Remodeling Maidiac
Diamond Member
- Banned
- #281
The OP is smokin sumthin and it ain't libs...
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Granted, the Medicare pool is the highest risk demographic, but $10k/year is more than a policy on the exchange.Whereas I understand that Medicare/Caid are using ins. company infrastructure to deliver care to patients, said patients are only paying for their supplemental coverage that isn't covered under their Medicare plan...which costs little or nothing. Are you saying that insurers are taking Fed money, and pocketing the bulk of that money as profits?You misread. I might have mentioned supplemental plans, but the point of the article is that the top five insurance companies are getting 60% of the revenue from the plans they serve up to Medicare and Medicaid. Read it again, perhaps without an incorrect assumption guiding you. The government sub-contracts Medicare and Medicaid to private for-profit insurance companies. This is an established fact.
I wouldn't make such a fuss about this, but a lot of people think that Medicare for All will take private insurance out of the equation, when the fact of the matter is it won't. They are deeply embedded in Medicare and Medicaid. Medicare for all will just force us to buy their insurance, whether we want to or not - much like ACA.
Single-payer wouldn't be an end-run around insurance companies, it would be a funnel forcing us to support them.
Exactly. Do you really think an insurance company is going to give you a low or no premium Medicare Advantage plan out of the goodness of their hearts? Nope, the government gives them upwards towards or a little more than $10000.00 per person per year just to handle your health insurance. The higher the star rating of a plan the more money they get.
Which further bolsters my point that putting younger/healthier people into the Medicare pool pays dividends.
According to the law Medadvantage plans are paid by Medicare to insure members. The amount the plan receives is determined by the number of members and is suppose to be no more than Medicare would pay to provide healthcare if they were Medicare beneficiaries. The insurance companies must cover the same things that Medicare covers. However, the insurance companies are given great latitude as how they will cover them, through private networks, through their own healthcare facilities, etc. The insurance company also become the one to determine whether a procedure is medically necessary, not Medicare.Whereas I understand that Medicare/Caid are using ins. company infrastructure to deliver care to patients, said patients are only paying for their supplemental coverage that isn't covered under their Medicare plan...which costs little or nothing. Are you saying that insurers are taking Fed money, and pocketing the bulk of that money as profits?You misread. I might have mentioned supplemental plans, but the point of the article is that the top five insurance companies are getting 60% of the revenue from the plans they serve up to Medicare and Medicaid. Read it again, perhaps without an incorrect assumption guiding you. The government sub-contracts Medicare and Medicaid to private for-profit insurance companies. This is an established fact.
I wouldn't make such a fuss about this, but a lot of people think that Medicare for All will take private insurance out of the equation, when the fact of the matter is it won't. They are deeply embedded in Medicare and Medicaid. Medicare for all will just force us to buy their insurance, whether we want to or not - much like ACA.
Single-payer wouldn't be an end-run around insurance companies, it would be a funnel forcing us to support them.
Exactly. Do you really think an insurance company is going to give you a low or no premium Medicare Advantage plan out of the goodness of their hearts? Nope, the government gives them upwards towards or a little more than $10000.00 per person per year just to handle your health insurance. The higher the star rating of a plan the more money they get.
The point is that MedAdvantage plans are reducing coverage by forcing the subscriber to pay more and more. In the end they becomes just another insurance company subsidized by the government. They attract customers with their zero premiums. Once a person signs up for one these of these plans they can not transfer to a supplement or a standalone drug plan. This is not how Medicare was suppose to be.So what?Medicare Advantage plans operated by private insurance companies now cover 33% of Medicare beneficiaries. For most people, the alternative is original Medicare or original Medicare plus a supplement and possibly a part D drug plan.Insurance companies would be removed from the equation, save for those who want to pay for private insurance as a backup plan, or a primary plan.
Uh, no. That's not how Medicare works. They just farm it out to private insurance companies who have lobbied government for the favor.
Big 5 insurers depend on Medicare, Medicaid for growth in enrollment, profits
For the beneficiary, there are advantages and disadvantages to all three routes. For the government, MedAdvantage plans can control cost in ways original Medicare can not.
Medicare Advantage plans are great for retirees with few healthcare problems since they have low and often zero premiums. Unfortunately, as you age and your healthcare problems increase, these plans can become not only costly but put the beneficiary in a mountain of medical bills for copays and coinsurance which vary with every type healthcare service. The plans are mostly HMOs which means referrals by a primary care doctor and staying in network. Often there is no coverage at all except emergency care if you travel outside your local community.
Premiums medicare with a supplement is expensive but there are virtually no medical bills to pay. You can go to any doctor or hospital that accepts Medicare anywhere in the country which are about 98% of healthcare providers and there is no cost.
Once you are in a MedAdvantage going back to Medicare with a supplement is nearly impossible for most people because they will be subject to medical underwriting.
It just turns the country into a Banana Republic... Every country ever has had a progressive tax system, otherwise it's a total give away to the rich and screws the rest.Fair is everyone paying the same dollar amount... No matter how much or how little they make. Progressive taxation is for fucking losersYou are talking about communism, certainly not socialism as defined now, which is fair capitalism well regulated with a good safety thing that is always democratic. Reservations are a disgrace and you can thank the GOP, nothing is worth doing if we can save the rich from paying their fair share.Get it through your thick skull you infant, There is no capitalism at all on the Pineridge Indian reservation it is 100% government run socialism...Obviously our socialism in the United States is crap GOP socialism, dumbass. No suffering or sacrifice is too great to protect the greedy idiot GOP Rich from paying their fair share...LolThat is lack of socialism. Socialism would give them a living wage and Medicaid and housing, not GOP suffering and discrimination and lack of services d u h....
American Indians that live on the pine ridge Ridge Indian reservation depend 100% on socialism, you fucking moron.
There is no such thing as capitalism on the Pineridge Indian reservation...
Like I have always said Progressives are fucked in the head.
Socialism has to depend on taxes far too much, because it is a system developed by and for fucking morons.
There is a reason why socialism has a 100% failure rate long-term… Fucking morons like yourself keep on trying it thinking “this time” it’s gonna work...
All insurance has deductibles and coinsurance. The difference with Medicare, is that the admin. fees are a fraction of those in the private insurance sector.Complex issue. But you are correct. A 'for profit' healthcare system doesn't work.
How do people that are retired have 5% taken from their paychecks? Do self employed people pay 10%? Medicare fraud is perpetrated by providers, not patients.
Start with a public option, when anyone can purchase Medicare plans to rival private insurance. It will help Medicare, and it will be a great option for younger/healthier people who don't use doctors/meds at the same rate as others.
You do realize that Medicare has both deductibles and coinsurance. Plus the premiums would have to be much, much higher for women to make it work, and you know we can't have that!
.
Hell, it ought to be. If we move to "Medicare for All" the insurance companies will no longer have to appeal to customers to make a profit, they'll just have to lobby government, an
d they're pretty good at that. That should represent a significant savings. Should. But whadya bet they pocket most of it as windfall? Why not, they'll have a captive customer base.
More than likely the government would make a bigger push than they already do to encourage Medicare Advantage plans and let the insurance companies basically take it over.
And I for one am very happy with my Medicare Advantage plan!
My advantage plan does MORE for me than plain Medicare and that's why 36% of the 60 million are
using MA plans. For example plain Medicare subtracts $134/mo from peoples' SS. My MA pays SS that
deduction. My MA calls me every month to make sure I've seen my doctor. They also provide me $50/mo in OTC supplies, toothpaste, etc. And the best part is these MAs pay Federal taxes on their profits!
So really ignorant people about Medicare have no idea how it works why the MAs were the best thing to come from the Medicare Modernization Act of 2003!
Medicare for all mean original Medicare, not MedAdvantage plans. 2/3 of the people on Medicare opt for original Medicare and 70% purchase a supplement. I have original Medicare plus a supplement. To me this is the way healthcare should be in this country. I can go to essentially any doctor and any hospital in the country. I pay nothing. I don't get any medical bills. I don't worry about copays, co-insurance, deductibles, or referrals. I don't have to ask permission from anyone to go to a doctor. I never have to change doctors because the insurance company's network changes. The only question I need to ask a healthcare provider is do you take Medicare. If the answer is yes, which it in over 97% of the healthcare facilities in the US, then I get the care my doctor thinks I need, not what an insurance company believes is needed or what the plan covers. When you have a serious healthcare problem, the last thing you need is a battle with your insurance company to get the care your doctor says you need when you needed.Medicaid, Medicare reflect 59% of revenue for 5 largest commercial insurers
Don't be fooled. Medicare for All doesn't deny insurance companies their profits. It guarantees them. Medicare is insurance that government buys for us, with tax dollars, from private vendors - generally the same bastards who have been screwing us all in the traditional insurance market. The only difference is that we don't have any say in it. The government sits down with insurance industry lobbyists and decides what kind of health care we'll get. Pretty much the same as ACA, albeit with even less input from consumers.
Not directly. Sometimes I get the posts the mixed up.The point is that MedAdvantage plans are reducing coverage by forcing the subscriber to pay more and more. In the end they becomes just another insurance company subsidized by the government. They attract customers with their zero premiums. Once a person signs up for one these of these plans they can not transfer to a supplement or a standalone drug plan. This is not how Medicare was suppose to be.So what?Medicare Advantage plans operated by private insurance companies now cover 33% of Medicare beneficiaries. For most people, the alternative is original Medicare or original Medicare plus a supplement and possibly a part D drug plan.Insurance companies would be removed from the equation, save for those who want to pay for private insurance as a backup plan, or a primary plan.
Uh, no. That's not how Medicare works. They just farm it out to private insurance companies who have lobbied government for the favor.
Big 5 insurers depend on Medicare, Medicaid for growth in enrollment, profits
For the beneficiary, there are advantages and disadvantages to all three routes. For the government, MedAdvantage plans can control cost in ways original Medicare can not.
Medicare Advantage plans are great for retirees with few healthcare problems since they have low and often zero premiums. Unfortunately, as you age and your healthcare problems increase, these plans can become not only costly but put the beneficiary in a mountain of medical bills for copays and coinsurance which vary with every type healthcare service. The plans are mostly HMOs which means referrals by a primary care doctor and staying in network. Often there is no coverage at all except emergency care if you travel outside your local community.
Premiums medicare with a supplement is expensive but there are virtually no medical bills to pay. You can go to any doctor or hospital that accepts Medicare anywhere in the country which are about 98% of healthcare providers and there is no cost.
Once you are in a MedAdvantage going back to Medicare with a supplement is nearly impossible for most people because they will be subject to medical underwriting.
Huh. How about that?. It looked like you were responding to my post, so I thought maybe your post had something to do with what I was talking about. Guess not.
If you want to do away with Reagan's EMTALA, you can also do away with the mandate. Hospitals should greet people with 'cash, credit,or insurance?'The only way to put those younger people into that kind of coverage is to mandate it, which was the major flaw in Obamacare!
Which party almost passed a bogus healthcare bill that would have taken access away from millions of people? They needed to kill ACA in order to do away with that pesky 3.8% cap gains tax on high earners.which party passed the across the board tax cut that cut the tax rate of everyone that pays taxes? Which party has created middle class jobs over the last two years? Which party is responsible for the growth in your 401K account? hint: not the dems.
Your claims about the tax cut are laughable, and your 401k value changes like the weather in this unstable market.
Hint...trump's job creation in the last two years still doesn't match Obama's in his last two years in office.
According to the law Medadvantage plans are paid by Medicare to insure members. The amount the plan receives is determined by the number of members and is suppose to be no more than Medicare would pay to provide healthcare if they were Medicare beneficiaries. The insurance companies must cover the same things that Medicare covers. However, the insurance companies are given great latitude as how they will cover them, through private networks, through their own healthcare facilities, etc. The insurance company also become the one to determine whether a procedure is medically necessary, not Medicare.Whereas I understand that Medicare/Caid are using ins. company infrastructure to deliver care to patients, said patients are only paying for their supplemental coverage that isn't covered under their Medicare plan...which costs little or nothing. Are you saying that insurers are taking Fed money, and pocketing the bulk of that money as profits?You misread. I might have mentioned supplemental plans, but the point of the article is that the top five insurance companies are getting 60% of the revenue from the plans they serve up to Medicare and Medicaid. Read it again, perhaps without an incorrect assumption guiding you. The government sub-contracts Medicare and Medicaid to private for-profit insurance companies. This is an established fact.
I wouldn't make such a fuss about this, but a lot of people think that Medicare for All will take private insurance out of the equation, when the fact of the matter is it won't. They are deeply embedded in Medicare and Medicaid. Medicare for all will just force us to buy their insurance, whether we want to or not - much like ACA.
Single-payer wouldn't be an end-run around insurance companies, it would be a funnel forcing us to support them.
Exactly. Do you really think an insurance company is going to give you a low or no premium Medicare Advantage plan out of the goodness of their hearts? Nope, the government gives them upwards towards or a little more than $10000.00 per person per year just to handle your health insurance. The higher the star rating of a plan the more money they get.
The way the companies make their money is by offering incentives that will attack younger healthier retirees such as gym membership, discounts on sporting goods, discounts on travel, and most important low or zero premiums. Insurance companies know that healthy people don't pay a lot attention to their share of medical cost. As the members grow older they see their costs rising sharply and they are not able to take advantage of the perks the plans often. The insurance companies often scrutinize the need for procedures, pressure hospitals for early release, and deny coverage for various reason. If a member becomes dissatisfied and wants to go back to regular medicare with a supplement, they find they will probably be subject to medical underwriting which makes it impossible for most people, so they're stuck in the Medadvantage world.
All insurance has deductibles and coinsurance. The difference with Medicare, is that the admin. fees are a fraction of those in the private insurance sector.You do realize that Medicare has both deductibles and coinsurance. Plus the premiums would have to be much, much higher for women to make it work, and you know we can't have that!
.
Hell, it ought to be. If we move to "Medicare for All" the insurance companies will no longer have to appeal to customers to make a profit, they'll just have to lobby government, an
d they're pretty good at that. That should represent a significant savings. Should. But whadya bet they pocket most of it as windfall? Why not, they'll have a captive customer base.
More than likely the government would make a bigger push than they already do to encourage Medicare Advantage plans and let the insurance companies basically take it over.
And I for one am very happy with my Medicare Advantage plan!
My advantage plan does MORE for me than plain Medicare and that's why 36% of the 60 million are
using MA plans. For example plain Medicare subtracts $134/mo from peoples' SS. My MA pays SS that
deduction. My MA calls me every month to make sure I've seen my doctor. They also provide me $50/mo in OTC supplies, toothpaste, etc. And the best part is these MAs pay Federal taxes on their profits!
So really ignorant people about Medicare have no idea how it works why the MAs were the best thing to come from the Medicare Modernization Act of 2003!Medicare for all mean original Medicare, not MedAdvantage plans. 2/3 of the people on Medicare opt for original Medicare and 70% purchase a supplement. I have original Medicare plus a supplement. To me this is the way healthcare should be in this country. I can go to essentially any doctor and any hospital in the country. I pay nothing. I don't get any medical bills. I don't worry about copays, co-insurance, deductibles, or referrals. I don't have to ask permission from anyone to go to a doctor. I never have to change doctors because the insurance company's network changes. The only question I need to ask a healthcare provider is do you take Medicare. If the answer is yes, which it in over 97% of the healthcare facilities in the US, then I get the care my doctor thinks I need, not what an insurance company believes is needed or what the plan covers. When you have a serious healthcare problem, the last thing you need is a battle with your insurance company to get the care your doctor says you need when you needed.Medicaid, Medicare reflect 59% of revenue for 5 largest commercial insurers
Don't be fooled. Medicare for All doesn't deny insurance companies their profits. It guarantees them. Medicare is insurance that government buys for us, with tax dollars, from private vendors - generally the same bastards who have been screwing us all in the traditional insurance market. The only difference is that we don't have any say in it. The government sits down with insurance industry lobbyists and decides what kind of health care we'll get. Pretty much the same as ACA, albeit with even less input from consumers.
The cost of original Medicare with a supplement is not cheap but to me it's worth the extra cost.
Not directly. Sometimes I get the posts the mixed up.
BTW, 2/3 of Medicare beneficiaries are covered by Medicare, not an insurance company. Their Medicare covered expenses are paid by CMS, a federal agency within HHS that administers Medicare.
Medicare for all mean original Medicare, not MedAdvantage plans....
Take the hundreds of millions in CEO pay for insurance companies, add the advertising/lobbying, and you can fund any infrastructure that Medicare would need if you create a public option."Absorb'? You mean the costs for administration just disappear from the books?"
"Absorb" meant the normal claim processing costs, salaries, computers, buildings, telecommunications, etc. are ALL expensed by the MACs.
If there weren't any MACs then Medicare would have nearly 100,000 people for which they paid salaries, PLUS payroll taxes, as well as office buildings etc.
Instead idiots don't comprehend that the bragging about Medicare's low cost of handling totally forget these costs are absorbed by the MACs and
Medicare pays the yearly contract.
When younger/healthier people are buying a Medicare plan, it bolsters the coffers, and lowers per capita cost. Cost sharing in Medicare.
I'm a conservative.
But even I realize that our health Care system is screwed.
Pharmacutical companies are gouging us out of our retirement savings.
Insurance companies are gouging us out of our 401k's.
Doctors and hospitals are performing unneeded procedures and prescribing unneeded drugs for profit.
I'm all about profit - but not profit over deceit.
And not profit over the well-being of American citizens.
I always thought the federal government was fundamental for our national defense, and national defense only.
Not any more.
Get rid of Medicare and Medicaid. Both systems are abused and bankrupt.
Have a single payer system. Tack on 5% on our paychecks and have the government have oversight.
Everybody has health care.
I hate to say it, but that's what it's come down to.
I am almost 50, I will never see a penny from any socialist entitlement programs I have paid in all my adult life... I want to cut bait and get the fuck out of that shit I don’t want to pay anymore into the shit...My coverage in retirement is fantastic, and since I paid for those before me, I want my cut.
See that’s unacceptable, you can’t force people into shit that They do not want, cannot afford, and will never benefit from.It should be an opt in, that’s easy.Which is perfectly fine with me, but no one should be forced into socialize medicine.Thats because your mind is hoped up on rightwing hysterics.
Out here in the real world a lot of developed democracies have single payer healthcare systems (see Canada, Great Britain etc.) and they have ZERO interest in pursuing the American model.
Millions of conservative would benefit in no way from socialized medicine, In fact it would make their lives a living hell
....Single Payer, by definition is a system where government pays for everyone's healthcare, financed by INVOLANTARY taxation.
So when you say "perfectly fine with me" but then follow it up with, "but no one should be forced into it" you aren't making any sense.
Sign up for the shit if you want it automatically Excluded if you don’t want it
Doesn't work - people simply don't participate in the system untill they get older and sicker or simply because they are totally irresponsible and when shit hits the fan...what? we are supposed to just let them die or get deformed because they can't afford the care?
if the government "managed" all healthcare for all americans it would be a huge increase of govt power and would require a new huge beauocracy to administer it. Do you really want you medical decisions made by some ignorant GS7 in a basement cubicle in DC?
Not at all an expansion of power, Redfish; it would just be Medicare covering more people than they already do. You don't talk about a huge expansion of government power in case Washington buys a new aircraft carrier group, along with the personnel to operate it, do you?
And no, there would not be a huge new bureaucracy; you may wish to compare Medicare's bureaucratic overhead to any insurance corp's.
And yes, some "medical decisions", if you want to call it that, are being made by some bureaucrats. You would rather these decisions be made by someone who has but one aim, that is, to profit from you?
But thanks for relaying the Insurance Corp's propaganda message anyway. Not that we haven't heard it all before, but still...
medicare for all would be the VA for all. Careful what you ask for, you might get it. Ask any Brit or Canadian how they like their "free" medical care. Ask them how they like waiting 6 months for a routine procedure. Ask them why they come to the US for treatment if they have a serious illness.
your naivety is amazing.
Ask old people how many years they paid into Medicare before they drew a dime! Get back to me.Rather than your boss having oversight or the insurance companies making for profit decisions?Oh perfect! The government can do oversight!I'm a conservative.
But even I realize that our health Care system is screwed.
Pharmacutical companies are gouging us out of our retirement savings.
Insurance companies are gouging us out of our 401k's.
Doctors and hospitals are performing unneeded procedures and prescribing unneeded drugs for profit.
I'm all about profit - but not profit over deceit.
And not profit over the well-being of American citizens.
I always thought the federal government was fundamental for our national defense, and national defense only.
Not any more.
Get rid of Medicare and Medicaid. Both systems are abused and bankrupt.
Have a single payer system. Tack on 5% on our paychecks and have the government have oversight.
Everybody has health care.
I hate to say it, but that's what it's come down to.
Ask old people how they like Medicare
Bull! Many die before using a dime! The system is in dire shape because demoncraps use it as a slush fund. They helped themselves to 960 billion Medicare dollars to fund Obamacare!Ask old people how many years they paid into Medicare before they drew a dime! Get back to me.Rather than your boss having oversight or the insurance companies making for profit decisions?Oh perfect! The government can do oversight!I'm a conservative.
But even I realize that our health Care system is screwed.
Pharmacutical companies are gouging us out of our retirement savings.
Insurance companies are gouging us out of our 401k's.
Doctors and hospitals are performing unneeded procedures and prescribing unneeded drugs for profit.
I'm all about profit - but not profit over deceit.
And not profit over the well-being of American citizens.
I always thought the federal government was fundamental for our national defense, and national defense only.
Not any more.
Get rid of Medicare and Medicaid. Both systems are abused and bankrupt.
Have a single payer system. Tack on 5% on our paychecks and have the government have oversight.
Everybody has health care.
I hate to say it, but that's what it's come down to.
Ask old people how they like Medicare
Most seniors take more out of the system than they put in. That’s a big reason why Medicare is in dire shape. It’s simple math.