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Thanks for your thought free, carefully researched and reasoned out rebuttal. It says so much for yourAll horseshit.
ideology.
Medicare for All Doesn’t Mean What Americans Think It Means
“Medicare for all” is a popular and politically effective slogan. Polls have shown that 70 percent of adults, and maybe more, say they’d support opening the federal health care program for the elderly to every American. This is all much to the delight Sen. Bernie Sanders, who managed to mainstream the idea during his 2016 presidential run, and has trumpeted those survey results in recent appearances.
One problem for Sanders is that when most Americans hear the words “Medicare for all,” they aren’t necessarily imagining the sort of single-payer system the Vermont senator has proposed. Worse yet, support for national health insurance seems to vacillate a great deal based on how pollsters couch the question. On Wednesday, for instance, the Kaiser Family Foundation published its latest tracking poll on public attitudes towards health care policy. Similar to its previous results, it found that 56 percent of Americans would support “a national health plan, sometimes called Medicare for all, in which American would get their insurance from a single government plan.” That’s not a bad outcome on its face. But many survey takers seemed to be confused about what Medicare for all, as it’s been formally proposed, would actually do. Among those under the age of 65 who had employer-sponsored coverage, 55 percent said they thought they would be able to keep their current health plan if Medicare for all were put in place.
That is not how Sanders’ single-payer bill would work. The legislation that Sanders has written, and that many of his colleagues and potential Democratic primary opponents endorsed, would expressly ban private insurance plans that compete with the government.
That turns out to be a fairly unpopular idea. According to Kaiser, support for Medicare for all drops to 37 percent if survey takers are told that the bill would eliminate private insurance companies, with 58 percent opposed.
In other words, Americans want access to government insurance, but they don’t want to be forced to use it—people prefer optionality. Kaiser finds that 73 percent of adults support “creating a national government administered health plan similar to Medicare open to anyone, but would allow people to keep the coverage they have.” This is an idea that, in health policy world, generally gets referred to as “Medicare for anyone.” The closest thing to it is probably a proposal produced by the Center for American Progress that would ban private insurers from competing on the individual market and would create strong incentives for employers to move their employees onto the federal plan.
==================================
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all, with graduated coverage as we age. Maintain the current and popular free market component, and take a massive cost monkey off the backs of American employers.
You are being lied to, if you care.
.
I read where the most efficient thing they run is sending social security checks out. For it is not complicated. At the time it was about 95% efficient. Plus 5% costs.I'd love to meet the person who thinks the US government could competently and efficiently run a lemonade stand, let alone administer a national health insurance program. Forget Paying for Medicare for All—We Can't Pay for the Medicare We HaveI'd love to meet the person who turns down Medicare in favor of buying a plan from Aetna or United,
Have people never heard of the VA and the mess it is? Do they not know this?
"This week, Medicare's actuaries released a new report projecting that over the next decade, national health spending will grow 0.8 percent faster than the economy each year, eventually reaching $5.96 trillion. As a result, health spending as a percentage of gross domestic product is set to grow from 17.9 percent last year to 19.4 percent in 2027. Health care spending will then consume nearly a fifth of America's total economy.
That figure accounts for both public and private payers, but the government-run programs are the largest drivers of the growth, with Medicare by far the biggest of the bunch. Over the next decade, Medicare spending is expected to rise by 7.4 percent each year, while spending on Medicaid, the joint federal-state health program for the poor and disabled, is set to rise by 5.5 percent annually. Spending on private health insurance is projected to rise as well—but at 4.7 percent annually, the increase won't be as fast. Increased spending on Medicare (and to a lesser extent Medicaid) is the main factor."
It's okay if the socialists want to live in a fool's paradise but please don't think you can
pull the rest of us in with you.
Medicare for All Doesn’t Mean What Americans Think It Means
“Medicare for all” is a popular and politically effective slogan. Polls have shown that 70 percent of adults, and maybe more, say they’d support opening the federal health care program for the elderly to every American. This is all much to the delight Sen. Bernie Sanders, who managed to mainstream the idea during his 2016 presidential run, and has trumpeted those survey results in recent appearances.
One problem for Sanders is that when most Americans hear the words “Medicare for all,” they aren’t necessarily imagining the sort of single-payer system the Vermont senator has proposed. Worse yet, support for national health insurance seems to vacillate a great deal based on how pollsters couch the question. On Wednesday, for instance, the Kaiser Family Foundation published its latest tracking poll on public attitudes towards health care policy. Similar to its previous results, it found that 56 percent of Americans would support “a national health plan, sometimes called Medicare for all, in which American would get their insurance from a single government plan.” That’s not a bad outcome on its face. But many survey takers seemed to be confused about what Medicare for all, as it’s been formally proposed, would actually do. Among those under the age of 65 who had employer-sponsored coverage, 55 percent said they thought they would be able to keep their current health plan if Medicare for all were put in place.
That is not how Sanders’ single-payer bill would work. The legislation that Sanders has written, and that many of his colleagues and potential Democratic primary opponents endorsed, would expressly ban private insurance plans that compete with the government.
That turns out to be a fairly unpopular idea. According to Kaiser, support for Medicare for all drops to 37 percent if survey takers are told that the bill would eliminate private insurance companies, with 58 percent opposed.
In other words, Americans want access to government insurance, but they don’t want to be forced to use it—people prefer optionality. Kaiser finds that 73 percent of adults support “creating a national government administered health plan similar to Medicare open to anyone, but would allow people to keep the coverage they have.” This is an idea that, in health policy world, generally gets referred to as “Medicare for anyone.” The closest thing to it is probably a proposal produced by the Center for American Progress that would ban private insurers from competing on the individual market and would create strong incentives for employers to move their employees onto the federal plan.
==================================
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all, with graduated coverage as we age. Maintain the current and popular free market component, and take a massive cost monkey off the backs of American employers.
You are being lied to, if you care.
.
I'd love to meet the person who turns down Medicare in favor of buying a plan from Aetna or United,
That would really depend on the plan offered by Aetna or United when squared up against the Medicare program.
If Aetna has the quality doctors under exclusive contract, and you give a shit about your health, why wouldn't you go with Aetna?
When we have Medicare For All, single payer health care, all of the doctors will be under contract.
Why would that be? Does the proposed MFA program outlaw the practice of healthcare outside of the government system?
Well, that is the general idea. I'm sure exceptions will be granted, however.
Under what grounds would exceptions be granted? If someone is sufficiently well connected politically?
How would the government determine who gets treated by quality doctors and surgeons, and who would have to go to subpar quacks or not receive health care at all?
So the majority believes Medicare for all would be an option, and their employer provided plans would still be in place.
Lol !! Now that is simply hilarious !
Medicare for All Doesn’t Mean What Americans Think It Means
“Medicare for all” is a popular and politically effective slogan. Polls have shown that 70 percent of adults, and maybe more, say they’d support opening the federal health care program for the elderly to every American. This is all much to the delight Sen. Bernie Sanders, who managed to mainstream the idea during his 2016 presidential run, and has trumpeted those survey results in recent appearances.
One problem for Sanders is that when most Americans hear the words “Medicare for all,” they aren’t necessarily imagining the sort of single-payer system the Vermont senator has proposed. Worse yet, support for national health insurance seems to vacillate a great deal based on how pollsters couch the question. On Wednesday, for instance, the Kaiser Family Foundation published its latest tracking poll on public attitudes towards health care policy. Similar to its previous results, it found that 56 percent of Americans would support “a national health plan, sometimes called Medicare for all, in which American would get their insurance from a single government plan.” That’s not a bad outcome on its face. But many survey takers seemed to be confused about what Medicare for all, as it’s been formally proposed, would actually do. Among those under the age of 65 who had employer-sponsored coverage, 55 percent said they thought they would be able to keep their current health plan if Medicare for all were put in place.
That is not how Sanders’ single-payer bill would work. The legislation that Sanders has written, and that many of his colleagues and potential Democratic primary opponents endorsed, would expressly ban private insurance plans that compete with the government.
That turns out to be a fairly unpopular idea. According to Kaiser, support for Medicare for all drops to 37 percent if survey takers are told that the bill would eliminate private insurance companies, with 58 percent opposed.
In other words, Americans want access to government insurance, but they don’t want to be forced to use it—people prefer optionality. Kaiser finds that 73 percent of adults support “creating a national government administered health plan similar to Medicare open to anyone, but would allow people to keep the coverage they have.” This is an idea that, in health policy world, generally gets referred to as “Medicare for anyone.” The closest thing to it is probably a proposal produced by the Center for American Progress that would ban private insurers from competing on the individual market and would create strong incentives for employers to move their employees onto the federal plan.
==================================
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all, with graduated coverage as we age. Maintain the current and popular free market component, and take a massive cost monkey off the backs of American employers.
You are being lied to, if you care.
.
Just pass the Nixon\Kennedy plan.
That would really depend on the plan offered by Aetna or United when squared up against the Medicare program.
If Aetna has the quality doctors under exclusive contract, and you give a shit about your health, why wouldn't you go with Aetna?
When we have Medicare For All, single payer health care, all of the doctors will be under contract.
Why would that be? Does the proposed MFA program outlaw the practice of healthcare outside of the government system?
Well, that is the general idea. I'm sure exceptions will be granted, however.
Under what grounds would exceptions be granted? If someone is sufficiently well connected politically?
How would the government determine who gets treated by quality doctors and surgeons, and who would have to go to subpar quacks or not receive health care at all?
Silly nutter.
Doctors have to qualify. Look at Japan. Look at France. Look at Canada.
The path has been cleared, paved and lined with pretty flowers. All we have to do is take it.
I"ll tell you what's true: In the event we all lose our minds and Medicare for all is instituted a full one fifth of our economy will be consumed by this pie in the sky nonsense.Nobody has enough time to address every lie you told. You fuckers filibuster with lies and misinformation. Then claim "victory".
Say things that are true and I will address your argument. Of course, then we will likely agree.
VA hospitals. That's all I need say.I read where the most efficient thing they run is sending social security checks out. For it is not complicated. At the time it was about 95% efficient. Plus 5% costs.
Third try.As I said in the original post, a base Medicare foundation would allow people access to diagnostic and preventive care, allowing us to catch problems earlier and when they're cheaper. The younger you are, the less of a drag you are on the system. Let free market competition and innovation provide the rest.Perhaps you missed the whole section where I point out that private insurance companies would cover a much higher percentage when people are younger and cost the system less. Individuals would be responsible for the rest of their coverage.A decent chance? More like an absolute sure thing, and I don't think it'll be a small increase either.
Now tell me how private HC insurance can possibly compete with an expanded gov't paid Medicare program. Answer: they can't. Right now, Medicare pays for about 80% or so of most HC expenses, right? How does private HCI match that? Answer: they can't, so we're going to end up with something very close to single Payer by another name. Private insurance would effectively be reduced to Medicare supplement and advantage plans, but there's a whole lot of people at or below whatever the income level is for qualifying for gov't paid medical care.
So - right now we pay for Medicare for those 65 and up, if we change it to just about everybody then that's not going to be an insignificant increase in cost to the taxpayers. And we haven't talked about the increased demand, if you add almost everybody into the HC system then you're going to have huge access problems. Except for the rich guys, who can afford the cost of private insurance here or will be flying off to another country for treatment.
Nice idea, but until I see some numbers I won't be buying into the concept. Recent estimates are about $30 trillion (give or take) over 10 years for single payer, what have you got for this proposal? I don't see how the idea is fiscally feasible.
We would not be just adding people at 80%, not even close.
.
" Perhaps you missed the whole section where I point out that private insurance companies would cover a much higher percentage when people are younger and cost the system less. Individuals would be responsible for the rest of their coverage. "
Okay wait a minute. You said "Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all". That sounds like adding EVERYBODY who wants it into Medicare to me. So why in hell would a young person or anybody other than a rich person buy private insurance, unless they've already got a pre-existing condition? You're gonna cover previously existing conditions, right? Free Medicare coverage is cheaper than whatever you can lower the cost of private insurance to, all anybody has to do is sign up for a supplement/advantage plan if and when they need it.
.
1. Young, healthy people are not going to pay for HCI no matter how cheap it is, especially if you're going to offer them Medicare for all.
2. You did say this, right?
"Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all".
Are you backing off of that? Are you going to cover the currently uninsured in your Medicare For All plan? Including illegals?
3. You also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here?
4. Still sounds like you'll be adding a lot more people into our HC system that is already overburdened.
5. This has the distinct feel of another back door approach that eventually ends up with Single Payer. Young healthy people only signed up for the ACA cuz of the tax penalty if they didn't, and a lot of them paid the penalty if they had to. Now that the penalty is gone, millions are dropping out. Why is your system any different?
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all. Include a sliding coverage scale that begins at maybe 30% when we're young so that preventive, diagnostic and maybe basic care are covered. Allow people to purchase Medicare Advantage Plans or Medicare Supplements as needed. Allow the free market to expand those plans so they are even more cost competitive and worth it. Let the free market innovate.
A basic, low-end, preventive/diagnostic/base care coverage would create a huge cottage health care industry nationally, where neighborhood strip mall mini-clinics, one step below Urgent Cares, could address the simple stuff without jamming primary care physicians' offices. Hell, they could be staffed with CNAs and LPNs who just do the basics. Continue the ongoing upgrade of electronic medical records so that primary care docs have access to this information.
That last part just hit me. The sliding scale thing is my idea. I was the financial guy in the room for a Fortune 100 insurer when they put these plans together, piece by piece, co-pay by co-pay, cost by cost, contract by contract, county by county in my state. IDEAS can happen if we LET them.
All we have to do is THINK out of the BOX a little and LISTEN a little. Stop worrying about what could be, look at the big picture, fuck the politics.
.
Yes, the Democrats are lying. They're using "Medicare for All" instead of "Single Payer" because it polls better, even though they know it's a lie. Their obedient zombies will deny it, of course, but that's what obedient zombies do. Meh.Medicare for All Doesn’t Mean What Americans Think It Means
“Medicare for all” is a popular and politically effective slogan. Polls have shown that 70 percent of adults, and maybe more, say they’d support opening the federal health care program for the elderly to every American. This is all much to the delight Sen. Bernie Sanders, who managed to mainstream the idea during his 2016 presidential run, and has trumpeted those survey results in recent appearances.
One problem for Sanders is that when most Americans hear the words “Medicare for all,” they aren’t necessarily imagining the sort of single-payer system the Vermont senator has proposed. Worse yet, support for national health insurance seems to vacillate a great deal based on how pollsters couch the question. On Wednesday, for instance, the Kaiser Family Foundation published its latest tracking poll on public attitudes towards health care policy. Similar to its previous results, it found that 56 percent of Americans would support “a national health plan, sometimes called Medicare for all, in which American would get their insurance from a single government plan.” That’s not a bad outcome on its face. But many survey takers seemed to be confused about what Medicare for all, as it’s been formally proposed, would actually do. Among those under the age of 65 who had employer-sponsored coverage, 55 percent said they thought they would be able to keep their current health plan if Medicare for all were put in place.
That is not how Sanders’ single-payer bill would work. The legislation that Sanders has written, and that many of his colleagues and potential Democratic primary opponents endorsed, would expressly ban private insurance plans that compete with the government.
That turns out to be a fairly unpopular idea. According to Kaiser, support for Medicare for all drops to 37 percent if survey takers are told that the bill would eliminate private insurance companies, with 58 percent opposed.
In other words, Americans want access to government insurance, but they don’t want to be forced to use it—people prefer optionality. Kaiser finds that 73 percent of adults support “creating a national government administered health plan similar to Medicare open to anyone, but would allow people to keep the coverage they have.” This is an idea that, in health policy world, generally gets referred to as “Medicare for anyone.” The closest thing to it is probably a proposal produced by the Center for American Progress that would ban private insurers from competing on the individual market and would create strong incentives for employers to move their employees onto the federal plan.
==================================
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all, with graduated coverage as we age. Maintain the current and popular free market component, and take a massive cost monkey off the backs of American employers.
You are being lied to, if you care.
.
And even if we had Medicare for all, it wouldn't work like Bernie and the left-wing mindless Democraps claim.
Medicare, and Medicaid both, pay out LESS than the cost of care. Now image any business in human history, that can survive while paying out less money, than how much it costs to provide service, and please tell me which one is still in business?
The answer is none.
So how are hospitals and doctors able to stay open, while providing care to Medicare/Caid patients which pays out less than the cost of providing that service?
They charge non-government patients MORE money.
Two people go into a hospital, and both get $1,000 worth of care, but one is a private patient, and the other is a government patient.
The gov-patient only pays out $800 for that $1,000 in care. How does the hospital not go bankrupt? By charging the private patient $1,200 for $1,000 in care.
This is why expanding Medicare/caid has drastically increased health care costs after Obama-care was passed.
Now here's the issue... every time these mindless left-wingers claim they want Medicare for all, and tell you how much it is going to cost, their claims on how much it will cost, is based on Medicare paying less than the cost of care.
But if you eliminate private patients, how is the hospital going to stay in business without being able to shift the costs onto private patients?
They can't. So all the hospitals will close.
Well the government isn't going to let that happen. So Medicare/caid is going to have to drastically increase payouts to hospitals. That will in turn drastically push up taxes on the lower and middle class.
All this crap about how it will be paid for by the rich? Crazy. Not happening. All this garbage about only a 6% tax? Insane, won't cover it. Taxes will have to go up dramatically on the lower and middle class, to cover Medicare for all.
The democraps are all lying. Totally lying. Or the democraps themselves are all as ignorant as AOC. Maybe they are just so dumb, they really don't know how stupid their claims are.
* Young healthy people just aren't going to sign up in big enough numbers and associated revenue to support the payouts for older sicker people. It's just not going to happen. It didn't work with Obamacare, and I see no reason why your system would be any different.Third try.As I said in the original post, a base Medicare foundation would allow people access to diagnostic and preventive care, allowing us to catch problems earlier and when they're cheaper. The younger you are, the less of a drag you are on the system. Let free market competition and innovation provide the rest.Perhaps you missed the whole section where I point out that private insurance companies would cover a much higher percentage when people are younger and cost the system less. Individuals would be responsible for the rest of their coverage.
We would not be just adding people at 80%, not even close.
.
" Perhaps you missed the whole section where I point out that private insurance companies would cover a much higher percentage when people are younger and cost the system less. Individuals would be responsible for the rest of their coverage. "
Okay wait a minute. You said "Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all". That sounds like adding EVERYBODY who wants it into Medicare to me. So why in hell would a young person or anybody other than a rich person buy private insurance, unless they've already got a pre-existing condition? You're gonna cover previously existing conditions, right? Free Medicare coverage is cheaper than whatever you can lower the cost of private insurance to, all anybody has to do is sign up for a supplement/advantage plan if and when they need it.
.
1. Young, healthy people are not going to pay for HCI no matter how cheap it is, especially if you're going to offer them Medicare for all.
2. You did say this, right?
"Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all".
Are you backing off of that? Are you going to cover the currently uninsured in your Medicare For All plan? Including illegals?
3. You also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here?
4. Still sounds like you'll be adding a lot more people into our HC system that is already overburdened.
5. This has the distinct feel of another back door approach that eventually ends up with Single Payer. Young healthy people only signed up for the ACA cuz of the tax penalty if they didn't, and a lot of them paid the penalty if they had to. Now that the penalty is gone, millions are dropping out. Why is your system any different?
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all. Include a sliding coverage scale that begins at maybe 30% when we're young so that preventive, diagnostic and maybe basic care are covered. Allow people to purchase Medicare Advantage Plans or Medicare Supplements as needed. Allow the free market to expand those plans so they are even more cost competitive and worth it. Let the free market innovate.
A basic, low-end, preventive/diagnostic/base care coverage would create a huge cottage health care industry nationally, where neighborhood strip mall mini-clinics, one step below Urgent Cares, could address the simple stuff without jamming primary care physicians' offices. Hell, they could be staffed with CNAs and LPNs who just do the basics. Continue the ongoing upgrade of electronic medical records so that primary care docs have access to this information.
That last part just hit me. The sliding scale thing is my idea. I was the financial guy in the room for a Fortune 100 insurer when they put these plans together, piece by piece, co-pay by co-pay, cost by cost, contract by contract, county by county in my state. IDEAS can happen if we LET them.
All we have to do is THINK out of the BOX a little and LISTEN a little. Stop worrying about what could be, look at the big picture, fuck the politics.
.
Ideas can happen if we let them, but programs and policies should NOT happen without a well-thought-out plan for how to achieve it and a clear and honest estimate of the costs involved. Failures to do both is how we find ourselves with a $22 Trillion debt and heading north in one quick hurry. That is why we simply CANNOT stop worrying about what could be, we damn well better be looking at the best case, worst case, and most-likely case of what could happen so that we do not drive ourselves and future generations into bankruptcy any sooner than necessary. And I don't give a fuck about the politics either, but my objections and questions must be answered before I and many others get on-board. Such as:
* Young healthy people just aren't going to sign up in big enough numbers and associated revenue to support the payouts for older sicker people. It's just not going to happen. It didn't work with Obamacare, and I see no reason why your system would be any different.
* The ACA also counted on savings from more preventative and diagnostic care, which didn't seem to help keep the costs down. The costs of premiums, co-pays, and deductibles continued to go way up, just like they did prior to the ACA.
* You didn't answer this question: you also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here? That means you will be adding some (most?) employees who currently have coverage to the number of uninsured, which may be as high as 50 million, and that's not counting the illegals in this country plus those who are on the way in the future or will be at some point. I can see companies offering their employees extra money if they move off of their current employer-provided HCI to Medicare For All.
* I simply cannot see how private HCI can compete with a Medicare For All program, except for the supplement/advantage type policies. And if Medicare For All has to cover pre-existing conditions, then nobody is going to sign up for private insurance at all, unless they or a family member needs coverage right now. Except the rich guys who can afford it. So what I see is a pathway to Single Payer, whether you intended it or not.
* Dude - Medicare for all means a substantial increase in the demand with no increase in the supply of providers and facilities. That IS a problem with your idea, same as it is for any other idea for gov't sponsored healthcare. I don't need another explanation of how good your program is, I need answers to my questions and issues. I get that the details and numbers have to be worked out, but for now it's too sketchy.
I'd love to meet the person who turns down Medicare in favor of buying a plan from Aetna or United,
Hi. Pleased to meet you.
My wife has double insurance. Both mine from work, and Medicare. When we schedule a procedure she needs, the insurance is a headache, they’ll only approve it for a single day. The Medicare hoops are far more difficult to navigate. When she needed a Wheelchair to get around, the Insurance Company sent one out within a week of the Doctor writing the order. Medicare contacted us a year later to see if we were ready to receive the item. A year. A fucking year later.
I could go into details of the headaches of dealing with Medicare, basically they are secondary, and anything not covered by the Primary, my work insurance, what would be our part, should be picked up by Medicare. Yet, they fight over every single thing. If it was just Medicare, then the prescriptions the Doctor’s are writing, would be denied, and the treatments that she is getting, would be denied, or approved about two years after her death.
So I am very pleased to meet you.
Bullshit.
* Young healthy people just aren't going to sign up in big enough numbers and associated revenue to support the payouts for older sicker people. It's just not going to happen. It didn't work with Obamacare, and I see no reason why your system would be any different.Third try.As I said in the original post, a base Medicare foundation would allow people access to diagnostic and preventive care, allowing us to catch problems earlier and when they're cheaper. The younger you are, the less of a drag you are on the system. Let free market competition and innovation provide the rest." Perhaps you missed the whole section where I point out that private insurance companies would cover a much higher percentage when people are younger and cost the system less. Individuals would be responsible for the rest of their coverage. "
Okay wait a minute. You said "Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all". That sounds like adding EVERYBODY who wants it into Medicare to me. So why in hell would a young person or anybody other than a rich person buy private insurance, unless they've already got a pre-existing condition? You're gonna cover previously existing conditions, right? Free Medicare coverage is cheaper than whatever you can lower the cost of private insurance to, all anybody has to do is sign up for a supplement/advantage plan if and when they need it.
.
1. Young, healthy people are not going to pay for HCI no matter how cheap it is, especially if you're going to offer them Medicare for all.
2. You did say this, right?
"Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all".
Are you backing off of that? Are you going to cover the currently uninsured in your Medicare For All plan? Including illegals?
3. You also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here?
4. Still sounds like you'll be adding a lot more people into our HC system that is already overburdened.
5. This has the distinct feel of another back door approach that eventually ends up with Single Payer. Young healthy people only signed up for the ACA cuz of the tax penalty if they didn't, and a lot of them paid the penalty if they had to. Now that the penalty is gone, millions are dropping out. Why is your system any different?
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all. Include a sliding coverage scale that begins at maybe 30% when we're young so that preventive, diagnostic and maybe basic care are covered. Allow people to purchase Medicare Advantage Plans or Medicare Supplements as needed. Allow the free market to expand those plans so they are even more cost competitive and worth it. Let the free market innovate.
A basic, low-end, preventive/diagnostic/base care coverage would create a huge cottage health care industry nationally, where neighborhood strip mall mini-clinics, one step below Urgent Cares, could address the simple stuff without jamming primary care physicians' offices. Hell, they could be staffed with CNAs and LPNs who just do the basics. Continue the ongoing upgrade of electronic medical records so that primary care docs have access to this information.
That last part just hit me. The sliding scale thing is my idea. I was the financial guy in the room for a Fortune 100 insurer when they put these plans together, piece by piece, co-pay by co-pay, cost by cost, contract by contract, county by county in my state. IDEAS can happen if we LET them.
All we have to do is THINK out of the BOX a little and LISTEN a little. Stop worrying about what could be, look at the big picture, fuck the politics.
.
Ideas can happen if we let them, but programs and policies should NOT happen without a well-thought-out plan for how to achieve it and a clear and honest estimate of the costs involved. Failures to do both is how we find ourselves with a $22 Trillion debt and heading north in one quick hurry. That is why we simply CANNOT stop worrying about what could be, we damn well better be looking at the best case, worst case, and most-likely case of what could happen so that we do not drive ourselves and future generations into bankruptcy any sooner than necessary. And I don't give a fuck about the politics either, but my objections and questions must be answered before I and many others get on-board. Such as:
* Young healthy people just aren't going to sign up in big enough numbers and associated revenue to support the payouts for older sicker people. It's just not going to happen. It didn't work with Obamacare, and I see no reason why your system would be any different.
* The ACA also counted on savings from more preventative and diagnostic care, which didn't seem to help keep the costs down. The costs of premiums, co-pays, and deductibles continued to go way up, just like they did prior to the ACA.
* You didn't answer this question: you also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here? That means you will be adding some (most?) employees who currently have coverage to the number of uninsured, which may be as high as 50 million, and that's not counting the illegals in this country plus those who are on the way in the future or will be at some point. I can see companies offering their employees extra money if they move off of their current employer-provided HCI to Medicare For All.
* I simply cannot see how private HCI can compete with a Medicare For All program, except for the supplement/advantage type policies. And if Medicare For All has to cover pre-existing conditions, then nobody is going to sign up for private insurance at all, unless they or a family member needs coverage right now. Except the rich guys who can afford it. So what I see is a pathway to Single Payer, whether you intended it or not.
* Dude - Medicare for all means a substantial increase in the demand with no increase in the supply of providers and facilities. That IS a problem with your idea, same as it is for any other idea for gov't sponsored healthcare. I don't need another explanation of how good your program is, I need answers to my questions and issues. I get that the details and numbers have to be worked out, but for now it's too sketchy.
Older, sicker people are already covered, the system is already absorbing them and the insurance companies are making a profit. All we're doing here is adding younger, healthier people at a lower coverage rate. Cover them for the basics and let them buy their way up in the free market. Seniors like their plans. So will the rest of us.
* The ACA also counted on savings from more preventative and diagnostic care, which didn't seem to help keep the costs down. The costs of premiums, co-pays, and deductibles continued to go way up, just like they did prior to the ACA.
It's my understanding there has been significant savings due to preventive and diagnostic care. The last year I worked with that company they were pretty pleased with the results. And remember, that's with SENIORS, who have significantly more issues than a 30-year old.
* You didn't answer this question: you also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here? That means you will be adding some (most?) employees who currently have coverage to the number of uninsured, which may be as high as 50 million, and that's not counting the illegals in this country plus those who are on the way in the future or will be at some point. I can see companies offering their employees extra money if they move off of their current employer-provided HCI to Medicare For All.
Yes, I address that above. As we try to figure out how to keep reimbursement rates higher, one part of the fix might well be a few points in corporate tax rates. My small and mid-sized business owner clients would love to see that, because it would put them on a more even keel with the multi-national monsters who can afford health coverage far more than they can. Smaller businesses are suffering trying to pay health insurance costs, but they have no choice, because the big guys are. Seriously, does that seem right to you? Let's take that pressure off them.
* I simply cannot see how private HCI can compete with a Medicare For All program, except for the supplement/advantage type policies. And if Medicare For All has to cover pre-existing conditions, then nobody is going to sign up for private insurance at all, unless they or a family member needs coverage right now. Except the rich guys who can afford it. So what I see is a pathway to Single Payer, whether you intended it or not.
That's what I'm talking about: The health insurance industry would change and simplify so that it's not covering people from the first dollar (at least with Medicare Supplements). Medicare would be the foundation, and then the insurers would compete for the rest, based on the existing Medicare Advantage and Medicare Supplement systems. They're not competing with Medicare, they're adding to them. The MA and Supplement insurers are doing great, this would expand the competition pool.
* Dude - Medicare for all means a substantial increase in the demand with no increase in the supply of providers and facilities. That IS a problem with your idea, same as it is for any other idea for gov't sponsored healthcare. I don't need another explanation of how good your program is, I need answers to my questions and issues. I get that the details and numbers have to be worked out, but for now it's too sketchy.
As I said, the lower-end stuff that jams primary care doctors offices could go to small clinics. There's a shitload of services that can be provided there, and it could be coordinated with, or owned by, insurers and hospitals.
Right now, we have SEVEN fucking health care delivery/payment systems:
That is MADNESS. If my plan has holes, great, let's work on that. Let's take the best ideas from both ends so that it's not being changed every few years by political winds.
- Private Pay
- Medicaid
- Medicare
- VA
- Group Health
- Individual Health/ACA
- Workers Comp
We used to collaborate and innovate. The answers are all out there, if we stop screaming and start thinking.
.
I'd love to meet the person who turns down Medicare in favor of buying a plan from Aetna or United,
Hi. Pleased to meet you.
My wife has double insurance. Both mine from work, and Medicare. When we schedule a procedure she needs, the insurance is a headache, they’ll only approve it for a single day. The Medicare hoops are far more difficult to navigate. When she needed a Wheelchair to get around, the Insurance Company sent one out within a week of the Doctor writing the order. Medicare contacted us a year later to see if we were ready to receive the item. A year. A fucking year later.
I could go into details of the headaches of dealing with Medicare, basically they are secondary, and anything not covered by the Primary, my work insurance, what would be our part, should be picked up by Medicare. Yet, they fight over every single thing. If it was just Medicare, then the prescriptions the Doctor’s are writing, would be denied, and the treatments that she is getting, would be denied, or approved about two years after her death.
So I am very pleased to meet you.
Bullshit.
So what proof do you have that I am lying? Perhaps this news article is lying too.
Signing up for Medicare? Read this cautionary tale first
Meh. What do we care about Chronic Pain Patients? Screw them, Medicare is.
Medicare Rule Will Create New Challenges for Chronic Pain Patients
Long term care, well, Medicare won’t really cover it, but hey, I’m sure that CNBC is full of shit too. Here's what is not covered by Medicare and here’s how you can prepare
Funny isn’t it, how you seem to know all the answers, except that you don’t provide any proof for your assertions. Just this idea that if you had Medicare, all would be swell and there would never be any problems. Of course, the truth is very different.
Take some time, go visit the Nursing Homes that are publicly funded, after a walk through you might be wondering if the Inquisition is taking place in the back. Privately funded, that is to say paid for by the occupants, or their families, are sometimes very nice. Guess which of them is paid for by Medicare? You guessed neither, you got it right.
I'd love to meet the person who turns down Medicare in favor of buying a plan from Aetna or United,
Hi. Pleased to meet you.
My wife has double insurance. Both mine from work, and Medicare. When we schedule a procedure she needs, the insurance is a headache, they’ll only approve it for a single day. The Medicare hoops are far more difficult to navigate. When she needed a Wheelchair to get around, the Insurance Company sent one out within a week of the Doctor writing the order. Medicare contacted us a year later to see if we were ready to receive the item. A year. A fucking year later.
I could go into details of the headaches of dealing with Medicare, basically they are secondary, and anything not covered by the Primary, my work insurance, what would be our part, should be picked up by Medicare. Yet, they fight over every single thing. If it was just Medicare, then the prescriptions the Doctor’s are writing, would be denied, and the treatments that she is getting, would be denied, or approved about two years after her death.
So I am very pleased to meet you.
Bullshit.
So what proof do you have that I am lying? Perhaps this news article is lying too.
Signing up for Medicare? Read this cautionary tale first
Meh. What do we care about Chronic Pain Patients? Screw them, Medicare is.
Medicare Rule Will Create New Challenges for Chronic Pain Patients
Long term care, well, Medicare won’t really cover it, but hey, I’m sure that CNBC is full of shit too. Here's what is not covered by Medicare and here’s how you can prepare
Funny isn’t it, how you seem to know all the answers, except that you don’t provide any proof for your assertions. Just this idea that if you had Medicare, all would be swell and there would never be any problems. Of course, the truth is very different.
Take some time, go visit the Nursing Homes that are publicly funded, after a walk through you might be wondering if the Inquisition is taking place in the back. Privately funded, that is to say paid for by the occupants, or their families, are sometimes very nice. Guess which of them is paid for by Medicare? You guessed neither, you got it right.
Yeah. You were lying.
LolFrom the article-
There are lots of reasons Democrats are increasingly supporting legislation that would eliminate employer-sponsored coverage entirely. Both Harris and Booker, for example, are co-sponsors on Sen. Bernie Sanders (I-VT) single-payer bill, which would move all Americans to government-run coverage.
Why is that a bad thing? Frankly, that we let our employers hold our family's health coverage over our heads is obscene.
* Young healthy people just aren't going to sign up in big enough numbers and associated revenue to support the payouts for older sicker people. It's just not going to happen. It didn't work with Obamacare, and I see no reason why your system would be any different.Third try.As I said in the original post, a base Medicare foundation would allow people access to diagnostic and preventive care, allowing us to catch problems earlier and when they're cheaper. The younger you are, the less of a drag you are on the system. Let free market competition and innovation provide the rest." Perhaps you missed the whole section where I point out that private insurance companies would cover a much higher percentage when people are younger and cost the system less. Individuals would be responsible for the rest of their coverage. "
Okay wait a minute. You said "Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all". That sounds like adding EVERYBODY who wants it into Medicare to me. So why in hell would a young person or anybody other than a rich person buy private insurance, unless they've already got a pre-existing condition? You're gonna cover previously existing conditions, right? Free Medicare coverage is cheaper than whatever you can lower the cost of private insurance to, all anybody has to do is sign up for a supplement/advantage plan if and when they need it.
.
1. Young, healthy people are not going to pay for HCI no matter how cheap it is, especially if you're going to offer them Medicare for all.
2. You did say this, right?
"Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all".
Are you backing off of that? Are you going to cover the currently uninsured in your Medicare For All plan? Including illegals?
3. You also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here?
4. Still sounds like you'll be adding a lot more people into our HC system that is already overburdened.
5. This has the distinct feel of another back door approach that eventually ends up with Single Payer. Young healthy people only signed up for the ACA cuz of the tax penalty if they didn't, and a lot of them paid the penalty if they had to. Now that the penalty is gone, millions are dropping out. Why is your system any different?
Expand the current Medicare / Medicare Advantage / Medicare Supplement system to all. Include a sliding coverage scale that begins at maybe 30% when we're young so that preventive, diagnostic and maybe basic care are covered. Allow people to purchase Medicare Advantage Plans or Medicare Supplements as needed. Allow the free market to expand those plans so they are even more cost competitive and worth it. Let the free market innovate.
A basic, low-end, preventive/diagnostic/base care coverage would create a huge cottage health care industry nationally, where neighborhood strip mall mini-clinics, one step below Urgent Cares, could address the simple stuff without jamming primary care physicians' offices. Hell, they could be staffed with CNAs and LPNs who just do the basics. Continue the ongoing upgrade of electronic medical records so that primary care docs have access to this information.
That last part just hit me. The sliding scale thing is my idea. I was the financial guy in the room for a Fortune 100 insurer when they put these plans together, piece by piece, co-pay by co-pay, cost by cost, contract by contract, county by county in my state. IDEAS can happen if we LET them.
All we have to do is THINK out of the BOX a little and LISTEN a little. Stop worrying about what could be, look at the big picture, fuck the politics.
.
Ideas can happen if we let them, but programs and policies should NOT happen without a well-thought-out plan for how to achieve it and a clear and honest estimate of the costs involved. Failures to do both is how we find ourselves with a $22 Trillion debt and heading north in one quick hurry. That is why we simply CANNOT stop worrying about what could be, we damn well better be looking at the best case, worst case, and most-likely case of what could happen so that we do not drive ourselves and future generations into bankruptcy any sooner than necessary. And I don't give a fuck about the politics either, but my objections and questions must be answered before I and many others get on-board. Such as:
* Young healthy people just aren't going to sign up in big enough numbers and associated revenue to support the payouts for older sicker people. It's just not going to happen. It didn't work with Obamacare, and I see no reason why your system would be any different.
* The ACA also counted on savings from more preventative and diagnostic care, which didn't seem to help keep the costs down. The costs of premiums, co-pays, and deductibles continued to go way up, just like they did prior to the ACA.
* You didn't answer this question: you also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here? That means you will be adding some (most?) employees who currently have coverage to the number of uninsured, which may be as high as 50 million, and that's not counting the illegals in this country plus those who are on the way in the future or will be at some point. I can see companies offering their employees extra money if they move off of their current employer-provided HCI to Medicare For All.
* I simply cannot see how private HCI can compete with a Medicare For All program, except for the supplement/advantage type policies. And if Medicare For All has to cover pre-existing conditions, then nobody is going to sign up for private insurance at all, unless they or a family member needs coverage right now. Except the rich guys who can afford it. So what I see is a pathway to Single Payer, whether you intended it or not.
* Dude - Medicare for all means a substantial increase in the demand with no increase in the supply of providers and facilities. That IS a problem with your idea, same as it is for any other idea for gov't sponsored healthcare. I don't need another explanation of how good your program is, I need answers to my questions and issues. I get that the details and numbers have to be worked out, but for now it's too sketchy.
Older, sicker people are already covered, the system is already absorbing them and the insurance companies are making a profit. All we're doing here is adding younger, healthier people at a lower coverage rate. Cover them for the basics and let them buy their way up in the free market. Seniors like their plans. So will the rest of us.
* The ACA also counted on savings from more preventative and diagnostic care, which didn't seem to help keep the costs down. The costs of premiums, co-pays, and deductibles continued to go way up, just like they did prior to the ACA.
It's my understanding there has been significant savings due to preventive and diagnostic care. The last year I worked with that company they were pretty pleased with the results. And remember, that's with SENIORS, who have significantly more issues than a 30-year old.
* You didn't answer this question: you also said "take a massive cost monkey off the backs of American employers". Ok, onto whose back are you going to lay that cost? Taxpayers, right? How many people and how much money are we talking about here? That means you will be adding some (most?) employees who currently have coverage to the number of uninsured, which may be as high as 50 million, and that's not counting the illegals in this country plus those who are on the way in the future or will be at some point. I can see companies offering their employees extra money if they move off of their current employer-provided HCI to Medicare For All.
Yes, I address that above. As we try to figure out how to keep reimbursement rates higher, one part of the fix might well be a few points in corporate tax rates. My small and mid-sized business owner clients would love to see that, because it would put them on a more even keel with the multi-national monsters who can afford health coverage far more than they can. Smaller businesses are suffering trying to pay health insurance costs, but they have no choice, because the big guys are. Seriously, does that seem right to you? Let's take that pressure off them.
* I simply cannot see how private HCI can compete with a Medicare For All program, except for the supplement/advantage type policies. And if Medicare For All has to cover pre-existing conditions, then nobody is going to sign up for private insurance at all, unless they or a family member needs coverage right now. Except the rich guys who can afford it. So what I see is a pathway to Single Payer, whether you intended it or not.
That's what I'm talking about: The health insurance industry would change and simplify so that it's not covering people from the first dollar (at least with Medicare Supplements). Medicare would be the foundation, and then the insurers would compete for the rest, based on the existing Medicare Advantage and Medicare Supplement systems. They're not competing with Medicare, they're adding to them. The MA and Supplement insurers are doing great, this would expand the competition pool.
* Dude - Medicare for all means a substantial increase in the demand with no increase in the supply of providers and facilities. That IS a problem with your idea, same as it is for any other idea for gov't sponsored healthcare. I don't need another explanation of how good your program is, I need answers to my questions and issues. I get that the details and numbers have to be worked out, but for now it's too sketchy.
As I said, the lower-end stuff that jams primary care doctors offices could go to small clinics. There's a shitload of services that can be provided there, and it could be coordinated with, or owned by, insurers and hospitals.
Right now, we have SEVEN fucking health care delivery/payment systems:
That is MADNESS. If my plan has holes, great, let's work on that. Let's take the best ideas from both ends so that it's not being changed every few years by political winds.
- Private Pay
- Medicaid
- Medicare
- VA
- Group Health
- Individual Health/ACA
- Workers Comp
We used to collaborate and innovate. The answers are all out there, if we stop screaming and start thinking.
.
I'd love to meet the person who turns down Medicare in favor of buying a plan from Aetna or United,
Hi. Pleased to meet you.
My wife has double insurance. Both mine from work, and Medicare. When we schedule a procedure she needs, the insurance is a headache, they’ll only approve it for a single day. The Medicare hoops are far more difficult to navigate. When she needed a Wheelchair to get around, the Insurance Company sent one out within a week of the Doctor writing the order. Medicare contacted us a year later to see if we were ready to receive the item. A year. A fucking year later.
I could go into details of the headaches of dealing with Medicare, basically they are secondary, and anything not covered by the Primary, my work insurance, what would be our part, should be picked up by Medicare. Yet, they fight over every single thing. If it was just Medicare, then the prescriptions the Doctor’s are writing, would be denied, and the treatments that she is getting, would be denied, or approved about two years after her death.
So I am very pleased to meet you.
Bullshit.
So what proof do you have that I am lying? Perhaps this news article is lying too.
Signing up for Medicare? Read this cautionary tale first
Meh. What do we care about Chronic Pain Patients? Screw them, Medicare is.
Medicare Rule Will Create New Challenges for Chronic Pain Patients
Long term care, well, Medicare won’t really cover it, but hey, I’m sure that CNBC is full of shit too. Here's what is not covered by Medicare and here’s how you can prepare
Funny isn’t it, how you seem to know all the answers, except that you don’t provide any proof for your assertions. Just this idea that if you had Medicare, all would be swell and there would never be any problems. Of course, the truth is very different.
Take some time, go visit the Nursing Homes that are publicly funded, after a walk through you might be wondering if the Inquisition is taking place in the back. Privately funded, that is to say paid for by the occupants, or their families, are sometimes very nice. Guess which of them is paid for by Medicare? You guessed neither, you got it right.
Yeah. You were lying.
I posted links. What do you have? Tell us your experience with Medicare.
