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Started By
Message
re: Why health insurance cost so much
Posted on 2/12/19 at 2:30 pm to Centinel
Posted on 2/12/19 at 2:30 pm to Centinel
quote:
And where are most prescription drugs developed?
For the ones that are developed outside the US, compare the requirements and costs to bring the drug to market in their country versus the FDA process here in the US.
I run clinical trials for a living. Most studies are run in many countries simultaneously under the same protocol, meeting FDA and EMEA standards no matter where the subjects are recruited from.
For most indications, cost per patient in US is high but not the highest globally (typically Japan, Singapore, and UK are all higher cost.)
1
Posted on 2/12/19 at 3:03 pm to shell01
Good example. Ins. paid for my CPAP machine. Years later wanted to get a second, smaller one for travel with work.
Vendor/doctor's office said, fine. Picked it up and a week later they called and said insurance won't pay. Told them I'd bring it back.
I asked how much they billed the insurance co. and it was like $3,000 or so. When I told her I'd bring it back she told me I could buy it outright for.......$600.
Now, who is gigging who? I don't like insurance companies but doctors deserve quite a bit of the blame as well.
Vendor/doctor's office said, fine. Picked it up and a week later they called and said insurance won't pay. Told them I'd bring it back.
I asked how much they billed the insurance co. and it was like $3,000 or so. When I told her I'd bring it back she told me I could buy it outright for.......$600.
Now, who is gigging who? I don't like insurance companies but doctors deserve quite a bit of the blame as well.
Posted on 2/12/19 at 3:25 pm to NewOrleansBlend
quote:
Correct?
Yes. It happens in 1 in 100K of people. A virus attacks the heart. A lot of people die from this. I happen to have been very active before hand. I still have a very strong will to keep active, but some days I can not get out of a lounge chair. Today is one of them. Heck, I know of one case real close that a young lady, was 32 and very healthy. She came down with the same as me. She die 7 weeks later.
Posted on 2/12/19 at 3:25 pm to fishfighter
Because the American healthcare system is an absolute joke.
Posted on 2/12/19 at 3:42 pm to Restomod
quote:
Flip side is single payer health care offers no guarantee the insured would get the surgery.
With single payer health care, it allows the government to decide was is "essential" to save the life.
So let me get this straight....
single-payer is bad because the government, with no profit-motive, may turn down an "essential" surgery....but you totally trust insurance companies, whose entire existence depends on driving profits by cost savings, to approve the "essential" surgery?
Posted on 2/12/19 at 11:03 pm to mmmmmbeeer
i side with the republican philosophy on many many many things. but healthcare doesnt make since. our system we all pay into costs more per person than the socialist policies to the norht and across the pond.
we all pay more. instead of coming out of taxes we just pay private insurance companies more. and then we arent even guaranteed to be covered. it makes 0 sense but people would rather keep arguing "we're paying for all the poor people"
ok, but we would pay less if we just agreed to pay for the poor people and had that shite controlled at a national level
we already pay for the poor people, its calculated into the insurance rates, so would u rather pay more or less?
we all pay more. instead of coming out of taxes we just pay private insurance companies more. and then we arent even guaranteed to be covered. it makes 0 sense but people would rather keep arguing "we're paying for all the poor people"
ok, but we would pay less if we just agreed to pay for the poor people and had that shite controlled at a national level
we already pay for the poor people, its calculated into the insurance rates, so would u rather pay more or less?
This post was edited on 2/12/19 at 11:04 pm
Posted on 2/13/19 at 12:07 am to FreeState
quote:
sked how much they billed the insurance co. and it was like $3,000 or so. When I told her I'd bring it back she told me I could buy it outright for.......$600.
Now, who is gigging who? I don't like insurance companies but doctors deserve quite a bit of the blame as well.
I had a similar experience. I had high deductible insurance and it was around September and I hadn’t spent a dollar towards it. I got diagnosed with an retina condition that requires 3-6 monthly shots in the eyeball. I showed up for the first one and it was going to be $600 each, all out of pocket. Something she said caught my attention and I asked her how much it would be if I didn’t have insurance, and she kinda avoided the question. I pressed on and she admitted that if I walked in off the street with no insurance, it would be $225 per shot. I told her forget that said I had insurance and as long as I agreed to not pay it with my HSA, they would only charge me the $225 but obviously it didn’t go towards my deductible. I took the risk and only paid $675 total for the shots. They weren’t real happy about that but couldn’t really put up an argument.
Posted on 2/13/19 at 5:27 am to mmmmmbeeer
quote:
So let me get this straight....
single-payer is bad because the government, with no profit-motive, may turn down an "essential" surgery....but you totally trust insurance companies, whose entire existence depends on driving profits by cost savings, to approve the "essential" surgery?
So if I understand you correctly...
Your rebuttal is that a Government run healthcare plan would be more honest and more efficient than the private sector all the while have no concern of profit margins?
Posted on 2/13/19 at 6:16 am to CaptainBrannigan
quote:
Because old fatties like you have to have heart surgery twice. Its a finite resource and people like you use more than your share.
Oh? I didn't know we put caps on how much and what kind of medical treatment a citizen of this country can receive? How very Socialist of you, comrade.
Posted on 2/13/19 at 6:20 am to CaptainBrannigan
quote:
Easy answer is Republicans want it that way.
Except the insurance companies were the ones that dictated the ACA, fool.
Posted on 2/13/19 at 6:22 am to Sao
quote:
As a broker, I wish rhetoric wasn't so easily imbedded into opinion. It's so incredibly complex that reading someone simply saying Obama! or we pay for the poor is maddening.
Well, who pushed a bill that everybody knew would make costs rise? Who exactly is all that medicare/aid going to?
Posted on 2/13/19 at 6:28 am to TigerFanInSouthland
quote:
Oh? I didn't know we put caps on how much and what kind of medical treatment a citizen of this country can receive? How very Socialist of you, comrade
People can have as many surgeries as they want as long as they are paying for them. It’s actually quite socialist of one to expect others to pay for their healthcare.
Posted on 2/13/19 at 6:32 am to TxTiger82
quote:
Bloated hospital administration
Is a direct result of it being the most regulated industry in America. There are many people in every hospital whose main role is reporting to CMS, maintaining records to present surveyors when inspected, preparation for audits, on and on and on.
Posted on 2/13/19 at 6:34 am to MikeBRLA
I was more talking about his last couple of words. Talking about his share. I do not think it's virtuous at all for one to expect a stranger who has never met you and does not know your story to be forced to pay for healthcare. And the fact that our government does this to every citizen basically at gunpoint via taxation with a penalty of prison time potentially fricking pisses me off.
I'd rather we completely got rid of Medicare/aid than pay one more cent of taxes to that.
I'd rather we completely got rid of Medicare/aid than pay one more cent of taxes to that.
Posted on 2/13/19 at 6:45 am to TigerFanInSouthland
quote:
Easy answer is Republicans want it that way.
Except the insurance companies were the ones that dictated the ACA, fool.
How many republicans voted for Obamacare?
Posted on 2/13/19 at 6:50 am to arseinclarse
quote:
How many republicans voted for Obamacare?
I believe that answer is between 0 and 1
Posted on 2/13/19 at 7:42 am to FreeState
quote:
I asked how much they billed the insurance co. and it was like $3,000 or so. When I told her I'd bring it back she told me I could buy it outright for.......$600.
Now, who is gigging who? I don't like insurance companies but doctors deserve quite a bit of the blame as well.
This does that mean they expected to be paid $3000 by insurance. People don't understand that billed costs <> expected reimbursement. Everyone prefers to skip insurance.
Posted on 2/13/19 at 7:47 am to sgallo3
quote:
we all pay more. instead of coming out of taxes we just pay private insurance companies more. and then we arent even guaranteed to be covered. it makes 0 sense but people would rather keep arguing "we're paying for all the poor people"
ok, but we would pay less if we just agreed to pay for the poor people and had that shite controlled at a national level
we already pay for the poor people, its calculated into the insurance rates, so would u rather pay more or less
So your argument is that since we pay for poor people now, we should give the same amount of money paid to private insurers over to the government? What does that fix? Do you think we should allow the government to take over healthcare and be the master of all that work there? Should they have the ability to cap a doctor's wages because they have supreme power?
Posted on 2/13/19 at 8:23 am to Centinel
quote:
If by step forward you mean shutting down hospitals and making doctors move to other countries.
Those other countries with socialized medicine where they'd get paid a lot less?
Posted on 2/13/19 at 9:16 am to oauron
don't forget meds.
Duexis is 30,000k a year (it is literally Pepcid and Ibuprofen in the same pill)
I've got no clue why some doctors (some Orthos in Baton Rouge for example) would write this.
Duexis is 30,000k a year (it is literally Pepcid and Ibuprofen in the same pill)
I've got no clue why some doctors (some Orthos in Baton Rouge for example) would write this.
This post was edited on 2/13/19 at 9:18 am
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