Days of Change

Day 1241 – A Drain On the System | March 29, 2012

The main Obamacare argument for the mandate is that people will continue to use emergency rooms for medical care without insurance and generally cost more money. This is an aspect of laws that prohibit hospitals with public funds to refuse necessary medical treatment. Those laws have ironically been used by Republicans to argue against the expansion of the insurance industry as a mandated expense.

This actually puts the lie to Democrats’ position that there is so much money to be gained by preventative care. Preventative care is a smart idea, but it costs money. Doctors recommend regular checkups and multiple tests because they believe in medicine. Even if it’s “covered,” there are still co-pays. Plus, doctors have a tendency to find something wrong if given the chance.

Insurance companies know that a hundred people getting a full slate of tests costs a lot more than one out of 100 people’s treatment for something not caught early. It’s just a sad fact of life. It would be nice if the most cautious solution were the cheapest one, but it’s not really the case.

The only argument for socialized medicine is socialism. People who are using the system are a drain on it, and they’re the reason health care is expensive. That and other lies are why Obamacare is doomed. People in Emergency Rooms had the frugal sense to not go to a doctor for years sometimes. They may be worse off physically, but it may not be possible financially. Even though ERs must treat the uninsured, they can still stick them with bills far in excess of what any insurance company or Medicare would reimburse.

If we’re all in it together, that’s fine. Let’s start with simple transparency. Everyone should get an itemized bill from their doctor. It should be the same amount that an uninsured person should be charged. Then they can get the “bill” with the insurance company discounts thrown in. While we’re at it, Every employee should get their paycheck with what they pay for insurance, the amount the company pays and the amount subsidized with government tax credits. Let’s see what everyone is really paying. Oh, and if the doctors want to add a line for what they have to pay in malpractice insurance, it’s fine with me.

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  1. 15,

    Seems that you’re talking about a system of health-care built on greed. Please correct me if I err.

    Also, whom does obmacare aim to keep healthy? Certainly not me, and I suspect not any elderly or those with pre-conditions: that leaves those who must be kept healthy to serve the State. If I may indulge in a bit of fancy, maybe this is how the Borg Collective started. This obamacare and all its social corrolaries

    Comment by Mary — March 29, 2012 @ 10:42 pm

  2. Greed or profit motive. Mostly, I think that the prevention argument is not a money saver. I think it’s not a bad idea, but the idea that people have chronic diseases because they don’t have a yearly physical doesn’t pan out.

    The transparency argument goes to the way people don’t understand how expensive medicine is. Some of it is just excess cost in the system. Doctors charge for more because insurance companies cover less. Most of it is made up. A doctor “bills” someone for $500, but insurance pays $400. The one who gets screwed is the poor person who doesn’t have insurance and pays out of pocket.

    Comment by 1539days — March 30, 2012 @ 4:44 am

  3. . A doctor “bills” someone for $500, but insurance pays $400

    Greed it is. To me, the letters “MD” after a name do not mean HRH.

    Comment by Mary — March 30, 2012 @ 8:03 pm

  4. I have to defend doctors here……and that’s rich considering you all know the screw job one did my family…….a six figure screw job.

    However, there are plenty of doctors out there that will make concessions to help out patients. I know one local doctor that was convinced his patient had lyme’s disease. The patient couldn’t afford the test and the insurance company would only pay if the test was positive…….I’m not kidding, this was in the paper. Anyway the doctor paid for the test out of his pocket and he was right, so he got his money via the insurance company.

    I could tell a hundred more stories like that. On the other hand, I could tell an equal number of the doctors that screw over people without insurance or because they’re out of network. (I’m speaking about people that have no choice like us when having to deal with an out of network provider for something life threatening)

    Comment by Somebody — March 30, 2012 @ 10:56 pm

  5. The fact is that insurance companies could cover more, but they can’t cover everything. Medicare denies tons of claims, so doctors will miscode it into something Medicare will cover. Plus, doctors have to worry about lawsuits so they test as much as can be covered under someone’s insurance. If you have good insurance, you get more tests. If your insuance is through the government, those tests are paid for by taxpayers.

    They system is all wrong and a one sentence solution won’t fix it.

    Comment by 1539days — March 31, 2012 @ 7:15 am

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