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You don't know any Canadians, do you?Yet it is hard to find a Canadian who would trade their healthcare plan for ours
I do. And their jaws drop when they hear how much our healthcare premiums, co-pays, and yearly deductibles cost. AND our healthcare is so good we have a reality show called "Botched."
The city of Philadelphia has more MRI machines than all of Canada. If you don't mind waiting 2 days to see a ER doctor, then Canada is for you.
Ate you going to tell us about the great Cuban health care system?
Since you're Canadian, let me tell you the facts here in the US.
Unless you have a PPO which will cost you $1500.00 to $2200.00 per month, you have an HMO which will cost you $600.00 to $800.00 per month. With a PPO you can choose your Doctor and you receive medical care faster. HMO's you go to the clinic which determines if you need to see you primary provider. Then you wait 30-60 days to see your primary provider, then, if you're deemed, you wait another 90 days to see a specialist. If you need surgery and it's not an emergency (pain is NOT an emergency) you wait another 30-60 days unless you're luck enough to be sick at the beginning of a profit quarter in which you save a few weeks.
Welcome to American healthcare!!!!
You are either out of your mind, or the biggest bald-faced liar since Hillary Clinton . . . or both.
WOW!! Another Canadian?
But wait, there's more! If you have an HMO, you also have co-pays for being admitted to the emergency room and hospital. These typically run from $600.00 to $3000.00. Is it any wonder that consumer healthcare costs are the number one reason for bankruptcy?
Wow, you're just spewing random shit relating to not a damned thing.
At least you clarified for us all that you are, in fact, out of your mind.
I don't know if I mentioned it but depending on the product you also have a $3000.00 to $8000.00 yearly deductible. Is it any wonder that consumer healthcare costs are the number one reason for bankruptcy?
What I actually wonder about is why you think I'm going to accept that lie as fact just because you say it.
USA!
Then why did you write: "I worked with a guy who had to move to America because his pain level was a 7 and couldn’t be seen for months."
Freudian slip?
Because - as is obvious to anyone who can read English (ie. not you) - he worked with the guy after the guy moved to America. Duuuuhhhh.
If you followed his posts you would know that he's out of his mind.You are either out of your mind, or the biggest bald-faced liar since Hillary Clinton . . . or both.
WOW!! Another Canadian?
But wait, there's more! If you have an HMO, you also have co-pays for being admitted to the emergency room and hospital. These typically run from $600.00 to $3000.00. Is it any wonder that consumer healthcare costs are the number one reason for bankruptcy?
Wow, you're just spewing random shit relating to not a damned thing.
At least you clarified for us all that you are, in fact, out of your mind.
Because I've outed you and yours?
No, because you babble utter nonsense and then brag about how "brilliant" it was.
Sign in a Canadian Emergency Waiting Room: Be grateful you have to wait. It means you're in no danger of dying. Thank you for your patience.
And wait...and wait...and wait.
I have to say, anytime I've gone to the emergency room, I've never waited. Either good timing or I waited too long in the first place.
As I said, every system has it's flaws. They are different from one another, but I've yet to read about a healthcare system that is perfect.
What I get perturbed by is when people come here and tell us how our system sucks so badly, and everyplace else around the world has such great government healthcare. The left tells us it's all the insurance companies fault, and not the government which is the real problem.
If we want to bring down the cost of our healthcare, get government out of it, not bring more government in.
The insurance companies are the reason you costs are so high, not the government. We pay administration of 7%, and some of the European companies pay even less - 5% of thereabouts. The US is around 35%. A big chunk of that is insurance company profit, "loss prevention", and administration, in other words, denying claims.
"No, no, I know more about your system than you do, because I was told to believe I do!"
I live in rural America and whenever my wife and I need a medical appointment it’s either that day or the next. And that includes specialists and special procedures like MRI’s.Because no one wants to live in Calgary?Ray, it's not just the insurance company profit that is adding to your costs. It's their administration. Obamacare required that insurance companies spend 80% of your premiums on your care, and they had to refund any amount less than 80% of your premiums not used on care. But 20% of your premiums are lost to the company. That's to pay for their underwriting, claims and pre-approval process. So if you're premium is $18,000 per year, $3,600 comes off the top and only $14,400 is spent on your care.
Another 10% is spent by hospitals and doctors on billings. My doctor's receptionist sends out one bill to the province per month. Your doctor sends out bills to each of the insurance companies his patients have coverage with. He has to collect co-pays. He has to hire a third party billing company to manage it all. Hospital billing departments are approximately 1/3 of administration staff. Not to mention the time lost in pre-approvals. One of my American friends was the "pre-approval" nurse in the clinic she worked at. Her entire job consisted of dealing with insurance companies on pre-approval. That one salary which was paid by the clinic that did nothing to help the patients.
Canadian doctors have more time to spend with patients and they can see more patients. More time and resources spent on patients and not on insurance company paperwork also lowers the cost of health care. Americans who get sick here and have to seek treatment in Canada are shocked that there are no questions about payment when they walk through the door. The entire focus is on treating the patient.
You could cut 30% of your health care costs by eliminating for-profit insurance - without affecting the prices being charged by doctors, waiting times or quality of care. Just eliminating the expense, duplication, billings and pre-approvals created by private insurance. And yes, the entire third party billing industry will be wiped out, but other than increasing the cost of health care, they's jobs aren't doing anything for health care except increasing the price.
Now I realize that you can't just wave a magic wand to make that happen. But 30% of your healthcare costs is a huge chunk of money.
Profits are what's left after taking X in amount of money, and paying X out. Health insurance companies (as I posted) have the lowest profit margin of other insurance companies. Yes, those profits are after administration costs along with all the other costs.
DumBama forced insurance companies to pay 85% of collected premiums on claims which decreased their ability to make profit. Insurance companies operate by taking your premium money, investing it, and the profits they gain from those investments help offset the claims they payout. So premiums had to increase because of that loss inflicted on them by the Democrats, who think they know how to run businesses better than the businesses do.
Left to their own without government intrusion, insurance companies are vastly more efficient than the government. That's why government hires the insurance companies to handle their billing for Medicare and Medicaid. If you eliminate insurance companies, then the government would have all those additional administrative costs, and we save very little.
You left out a whole range of expensive things that private insurance does which single payer does not, all of which reduce costs.
Underwriting: insurance companies have an entire department of actuaries reviewing your application, medical reports, and deciding on your premiums are. Single payer has a minimum wage data entry clerk inputing you name address and SS number.
Private insurance has a pre-approval process where doctors and nurses contact the insurance company to determine whether the company will pay for their proposed treatment. Medical staff at the insurance company decide if they will pay for it. Single payer doesn’t do pre-approvals, therefore eliminating the salaries and expenses hospitals, doctors’ offices and insurers. This frees medical staff to provide treatment to more patients, lowering costs to all.
No third party billing. With only one bill to send out to the government office, and no copses to collect, your receptionist can do the paperwork.
Lop off the administration and insurance company profit of 20% (I checked Ray - it’s 20% not 15%), add in the savings to doctors and hospitals for pre-approvals and billing -another 10% and you can easily save 30% on Administration
Third party billing charges between 7.9 to 10.9% of their billing’s with a monthly minimum of $999. That’s BEFORE we talk about pre-approval costs.
Single payer, enters the doctor name, posts his patient billings by OHIP number to confirm their card number is active and eligible, and issues a cheque. One bill to one insurer. No muss, no fuss, no medical reviews.
Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
I grew up on a farm 20 miles from the nearest town with under 1000 people. I know exactly what I’m talking about.I live in rural America and whenever my wife and I need a medical appointment it’s either that day or the next. And that includes specialists and special procedures like MRI’s.Because no one wants to live in Calgary?Ray, it's not just the insurance company profit that is adding to your costs. It's their administration. Obamacare required that insurance companies spend 80% of your premiums on your care, and they had to refund any amount less than 80% of your premiums not used on care. But 20% of your premiums are lost to the company. That's to pay for their underwriting, claims and pre-approval process. So if you're premium is $18,000 per year, $3,600 comes off the top and only $14,400 is spent on your care.
Another 10% is spent by hospitals and doctors on billings. My doctor's receptionist sends out one bill to the province per month. Your doctor sends out bills to each of the insurance companies his patients have coverage with. He has to collect co-pays. He has to hire a third party billing company to manage it all. Hospital billing departments are approximately 1/3 of administration staff. Not to mention the time lost in pre-approvals. One of my American friends was the "pre-approval" nurse in the clinic she worked at. Her entire job consisted of dealing with insurance companies on pre-approval. That one salary which was paid by the clinic that did nothing to help the patients.
Canadian doctors have more time to spend with patients and they can see more patients. More time and resources spent on patients and not on insurance company paperwork also lowers the cost of health care. Americans who get sick here and have to seek treatment in Canada are shocked that there are no questions about payment when they walk through the door. The entire focus is on treating the patient.
You could cut 30% of your health care costs by eliminating for-profit insurance - without affecting the prices being charged by doctors, waiting times or quality of care. Just eliminating the expense, duplication, billings and pre-approvals created by private insurance. And yes, the entire third party billing industry will be wiped out, but other than increasing the cost of health care, they's jobs aren't doing anything for health care except increasing the price.
Now I realize that you can't just wave a magic wand to make that happen. But 30% of your healthcare costs is a huge chunk of money.
Profits are what's left after taking X in amount of money, and paying X out. Health insurance companies (as I posted) have the lowest profit margin of other insurance companies. Yes, those profits are after administration costs along with all the other costs.
DumBama forced insurance companies to pay 85% of collected premiums on claims which decreased their ability to make profit. Insurance companies operate by taking your premium money, investing it, and the profits they gain from those investments help offset the claims they payout. So premiums had to increase because of that loss inflicted on them by the Democrats, who think they know how to run businesses better than the businesses do.
Left to their own without government intrusion, insurance companies are vastly more efficient than the government. That's why government hires the insurance companies to handle their billing for Medicare and Medicaid. If you eliminate insurance companies, then the government would have all those additional administrative costs, and we save very little.
You left out a whole range of expensive things that private insurance does which single payer does not, all of which reduce costs.
Underwriting: insurance companies have an entire department of actuaries reviewing your application, medical reports, and deciding on your premiums are. Single payer has a minimum wage data entry clerk inputing you name address and SS number.
Private insurance has a pre-approval process where doctors and nurses contact the insurance company to determine whether the company will pay for their proposed treatment. Medical staff at the insurance company decide if they will pay for it. Single payer doesn’t do pre-approvals, therefore eliminating the salaries and expenses hospitals, doctors’ offices and insurers. This frees medical staff to provide treatment to more patients, lowering costs to all.
No third party billing. With only one bill to send out to the government office, and no copses to collect, your receptionist can do the paperwork.
Lop off the administration and insurance company profit of 20% (I checked Ray - it’s 20% not 15%), add in the savings to doctors and hospitals for pre-approvals and billing -another 10% and you can easily save 30% on Administration
Third party billing charges between 7.9 to 10.9% of their billing’s with a monthly minimum of $999. That’s BEFORE we talk about pre-approval costs.
Single payer, enters the doctor name, posts his patient billings by OHIP number to confirm their card number is active and eligible, and issues a cheque. One bill to one insurer. No muss, no fuss, no medical reviews.
Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
What you suffer from is Ruralphobia, brought on by spending your live surrounded by concrete.
Because no one wants to live in Calgary?Ray, it's not just the insurance company profit that is adding to your costs. It's their administration. Obamacare required that insurance companies spend 80% of your premiums on your care, and they had to refund any amount less than 80% of your premiums not used on care. But 20% of your premiums are lost to the company. That's to pay for their underwriting, claims and pre-approval process. So if you're premium is $18,000 per year, $3,600 comes off the top and only $14,400 is spent on your care.
Another 10% is spent by hospitals and doctors on billings. My doctor's receptionist sends out one bill to the province per month. Your doctor sends out bills to each of the insurance companies his patients have coverage with. He has to collect co-pays. He has to hire a third party billing company to manage it all. Hospital billing departments are approximately 1/3 of administration staff. Not to mention the time lost in pre-approvals. One of my American friends was the "pre-approval" nurse in the clinic she worked at. Her entire job consisted of dealing with insurance companies on pre-approval. That one salary which was paid by the clinic that did nothing to help the patients.
Canadian doctors have more time to spend with patients and they can see more patients. More time and resources spent on patients and not on insurance company paperwork also lowers the cost of health care. Americans who get sick here and have to seek treatment in Canada are shocked that there are no questions about payment when they walk through the door. The entire focus is on treating the patient.
You could cut 30% of your health care costs by eliminating for-profit insurance - without affecting the prices being charged by doctors, waiting times or quality of care. Just eliminating the expense, duplication, billings and pre-approvals created by private insurance. And yes, the entire third party billing industry will be wiped out, but other than increasing the cost of health care, they's jobs aren't doing anything for health care except increasing the price.
Now I realize that you can't just wave a magic wand to make that happen. But 30% of your healthcare costs is a huge chunk of money.
Profits are what's left after taking X in amount of money, and paying X out. Health insurance companies (as I posted) have the lowest profit margin of other insurance companies. Yes, those profits are after administration costs along with all the other costs.
DumBama forced insurance companies to pay 85% of collected premiums on claims which decreased their ability to make profit. Insurance companies operate by taking your premium money, investing it, and the profits they gain from those investments help offset the claims they payout. So premiums had to increase because of that loss inflicted on them by the Democrats, who think they know how to run businesses better than the businesses do.
Left to their own without government intrusion, insurance companies are vastly more efficient than the government. That's why government hires the insurance companies to handle their billing for Medicare and Medicaid. If you eliminate insurance companies, then the government would have all those additional administrative costs, and we save very little.
You left out a whole range of expensive things that private insurance does which single payer does not, all of which reduce costs.
Underwriting: insurance companies have an entire department of actuaries reviewing your application, medical reports, and deciding on your premiums are. Single payer has a minimum wage data entry clerk inputing you name address and SS number.
Private insurance has a pre-approval process where doctors and nurses contact the insurance company to determine whether the company will pay for their proposed treatment. Medical staff at the insurance company decide if they will pay for it. Single payer doesn’t do pre-approvals, therefore eliminating the salaries and expenses hospitals, doctors’ offices and insurers. This frees medical staff to provide treatment to more patients, lowering costs to all.
No third party billing. With only one bill to send out to the government office, and no copses to collect, your receptionist can do the paperwork.
Lop off the administration and insurance company profit of 20% (I checked Ray - it’s 20% not 15%), add in the savings to doctors and hospitals for pre-approvals and billing -another 10% and you can easily save 30% on Administration
Third party billing charges between 7.9 to 10.9% of their billing’s with a monthly minimum of $999. That’s BEFORE we talk about pre-approval costs.
Single payer, enters the doctor name, posts his patient billings by OHIP number to confirm their card number is active and eligible, and issues a cheque. One bill to one insurer. No muss, no fuss, no medical reviews.
Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
Because no one wants to live in Calgary?Ray, it's not just the insurance company profit that is adding to your costs. It's their administration. Obamacare required that insurance companies spend 80% of your premiums on your care, and they had to refund any amount less than 80% of your premiums not used on care. But 20% of your premiums are lost to the company. That's to pay for their underwriting, claims and pre-approval process. So if you're premium is $18,000 per year, $3,600 comes off the top and only $14,400 is spent on your care.
Another 10% is spent by hospitals and doctors on billings. My doctor's receptionist sends out one bill to the province per month. Your doctor sends out bills to each of the insurance companies his patients have coverage with. He has to collect co-pays. He has to hire a third party billing company to manage it all. Hospital billing departments are approximately 1/3 of administration staff. Not to mention the time lost in pre-approvals. One of my American friends was the "pre-approval" nurse in the clinic she worked at. Her entire job consisted of dealing with insurance companies on pre-approval. That one salary which was paid by the clinic that did nothing to help the patients.
Canadian doctors have more time to spend with patients and they can see more patients. More time and resources spent on patients and not on insurance company paperwork also lowers the cost of health care. Americans who get sick here and have to seek treatment in Canada are shocked that there are no questions about payment when they walk through the door. The entire focus is on treating the patient.
You could cut 30% of your health care costs by eliminating for-profit insurance - without affecting the prices being charged by doctors, waiting times or quality of care. Just eliminating the expense, duplication, billings and pre-approvals created by private insurance. And yes, the entire third party billing industry will be wiped out, but other than increasing the cost of health care, they's jobs aren't doing anything for health care except increasing the price.
Now I realize that you can't just wave a magic wand to make that happen. But 30% of your healthcare costs is a huge chunk of money.
Profits are what's left after taking X in amount of money, and paying X out. Health insurance companies (as I posted) have the lowest profit margin of other insurance companies. Yes, those profits are after administration costs along with all the other costs.
DumBama forced insurance companies to pay 85% of collected premiums on claims which decreased their ability to make profit. Insurance companies operate by taking your premium money, investing it, and the profits they gain from those investments help offset the claims they payout. So premiums had to increase because of that loss inflicted on them by the Democrats, who think they know how to run businesses better than the businesses do.
Left to their own without government intrusion, insurance companies are vastly more efficient than the government. That's why government hires the insurance companies to handle their billing for Medicare and Medicaid. If you eliminate insurance companies, then the government would have all those additional administrative costs, and we save very little.
You left out a whole range of expensive things that private insurance does which single payer does not, all of which reduce costs.
Underwriting: insurance companies have an entire department of actuaries reviewing your application, medical reports, and deciding on your premiums are. Single payer has a minimum wage data entry clerk inputing you name address and SS number.
Private insurance has a pre-approval process where doctors and nurses contact the insurance company to determine whether the company will pay for their proposed treatment. Medical staff at the insurance company decide if they will pay for it. Single payer doesn’t do pre-approvals, therefore eliminating the salaries and expenses hospitals, doctors’ offices and insurers. This frees medical staff to provide treatment to more patients, lowering costs to all.
No third party billing. With only one bill to send out to the government office, and no copses to collect, your receptionist can do the paperwork.
Lop off the administration and insurance company profit of 20% (I checked Ray - it’s 20% not 15%), add in the savings to doctors and hospitals for pre-approvals and billing -another 10% and you can easily save 30% on Administration
Third party billing charges between 7.9 to 10.9% of their billing’s with a monthly minimum of $999. That’s BEFORE we talk about pre-approval costs.
Single payer, enters the doctor name, posts his patient billings by OHIP number to confirm their card number is active and eligible, and issues a cheque. One bill to one insurer. No muss, no fuss, no medical reviews.
Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
Canada won't pay competitive wages (compared to the U.S.).
Because no one wants to live in Calgary?Ray, it's not just the insurance company profit that is adding to your costs. It's their administration. Obamacare required that insurance companies spend 80% of your premiums on your care, and they had to refund any amount less than 80% of your premiums not used on care. But 20% of your premiums are lost to the company. That's to pay for their underwriting, claims and pre-approval process. So if you're premium is $18,000 per year, $3,600 comes off the top and only $14,400 is spent on your care.
Another 10% is spent by hospitals and doctors on billings. My doctor's receptionist sends out one bill to the province per month. Your doctor sends out bills to each of the insurance companies his patients have coverage with. He has to collect co-pays. He has to hire a third party billing company to manage it all. Hospital billing departments are approximately 1/3 of administration staff. Not to mention the time lost in pre-approvals. One of my American friends was the "pre-approval" nurse in the clinic she worked at. Her entire job consisted of dealing with insurance companies on pre-approval. That one salary which was paid by the clinic that did nothing to help the patients.
Canadian doctors have more time to spend with patients and they can see more patients. More time and resources spent on patients and not on insurance company paperwork also lowers the cost of health care. Americans who get sick here and have to seek treatment in Canada are shocked that there are no questions about payment when they walk through the door. The entire focus is on treating the patient.
You could cut 30% of your health care costs by eliminating for-profit insurance - without affecting the prices being charged by doctors, waiting times or quality of care. Just eliminating the expense, duplication, billings and pre-approvals created by private insurance. And yes, the entire third party billing industry will be wiped out, but other than increasing the cost of health care, they's jobs aren't doing anything for health care except increasing the price.
Now I realize that you can't just wave a magic wand to make that happen. But 30% of your healthcare costs is a huge chunk of money.
Profits are what's left after taking X in amount of money, and paying X out. Health insurance companies (as I posted) have the lowest profit margin of other insurance companies. Yes, those profits are after administration costs along with all the other costs.
DumBama forced insurance companies to pay 85% of collected premiums on claims which decreased their ability to make profit. Insurance companies operate by taking your premium money, investing it, and the profits they gain from those investments help offset the claims they payout. So premiums had to increase because of that loss inflicted on them by the Democrats, who think they know how to run businesses better than the businesses do.
Left to their own without government intrusion, insurance companies are vastly more efficient than the government. That's why government hires the insurance companies to handle their billing for Medicare and Medicaid. If you eliminate insurance companies, then the government would have all those additional administrative costs, and we save very little.
You left out a whole range of expensive things that private insurance does which single payer does not, all of which reduce costs.
Underwriting: insurance companies have an entire department of actuaries reviewing your application, medical reports, and deciding on your premiums are. Single payer has a minimum wage data entry clerk inputing you name address and SS number.
Private insurance has a pre-approval process where doctors and nurses contact the insurance company to determine whether the company will pay for their proposed treatment. Medical staff at the insurance company decide if they will pay for it. Single payer doesn’t do pre-approvals, therefore eliminating the salaries and expenses hospitals, doctors’ offices and insurers. This frees medical staff to provide treatment to more patients, lowering costs to all.
No third party billing. With only one bill to send out to the government office, and no copses to collect, your receptionist can do the paperwork.
Lop off the administration and insurance company profit of 20% (I checked Ray - it’s 20% not 15%), add in the savings to doctors and hospitals for pre-approvals and billing -another 10% and you can easily save 30% on Administration
Third party billing charges between 7.9 to 10.9% of their billing’s with a monthly minimum of $999. That’s BEFORE we talk about pre-approval costs.
Single payer, enters the doctor name, posts his patient billings by OHIP number to confirm their card number is active and eligible, and issues a cheque. One bill to one insurer. No muss, no fuss, no medical reviews.
Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
Canada won't pay competitive wages (compared to the U.S.).
If you want to see the left's heads explode, offer them universal healthcare with the stipulation that it is citizen run. No government or politician can touch it or the money. Their heads go BOOM!
I've been promoting universal healthcare run by a private, non-profit, for years. Conservatives call it "socialism."
We all know that if politicians and government controls it, it will be a corrupt mess. Also, able body mooching lazy deadbeats need not apply. I'm not going to work overtime to pay the healthcare bills for some fat ass lazy bum. I'm happy to contribute to the truly needy who can't work a job and need our help. I'm NOT going to fund FREE shit for everyone. Another stipulation, STOP demonizing doctors and nurses. Forcing them to work for less to fund this is not the answer. Our best and brightest will run from the healthcare profession in droves. You will get your healthcare from a bunch of stupid shit losers who scored a D- in school and accidently kill patients on a regular basis.
The HMO Act was deregulated and now it's a corrupt mess.
If you want to see the left's heads explode, offer them universal healthcare with the stipulation that it is citizen run. No government or politician can touch it or the money. Their heads go BOOM!
I've been promoting universal healthcare run by a private, non-profit, for years. Conservatives call it "socialism."
We all know that if politicians and government controls it, it will be a corrupt mess. Also, able body mooching lazy deadbeats need not apply. I'm not going to work overtime to pay the healthcare bills for some fat ass lazy bum. I'm happy to contribute to the truly needy who can't work a job and need our help. I'm NOT going to fund FREE shit for everyone. Another stipulation, STOP demonizing doctors and nurses. Forcing them to work for less to fund this is not the answer. Our best and brightest will run from the healthcare profession in droves. You will get your healthcare from a bunch of stupid shit losers who scored a D- in school and accidently kill patients on a regular basis.
The HMO Act was deregulated and now it's a corrupt mess.
Right, because healthcare should be rationed and patient care decisions should be based on controlling costs not what's best for the patient. In other words Liberal Care.
You've just been told that is not the case; quit broadcasting untrue propaganda. Do you work for the AMA or what?If you want to see the left's heads explode, offer them universal healthcare with the stipulation that it is citizen run. No government or politician can touch it or the money. Their heads go BOOM!
I've been promoting universal healthcare run by a private, non-profit, for years. Conservatives call it "socialism."
We all know that if politicians and government controls it, it will be a corrupt mess. Also, able body mooching lazy deadbeats need not apply. I'm not going to work overtime to pay the healthcare bills for some fat ass lazy bum. I'm happy to contribute to the truly needy who can't work a job and need our help. I'm NOT going to fund FREE shit for everyone. Another stipulation, STOP demonizing doctors and nurses. Forcing them to work for less to fund this is not the answer. Our best and brightest will run from the healthcare profession in droves. You will get your healthcare from a bunch of stupid shit losers who scored a D- in school and accidently kill patients on a regular basis.
The HMO Act was deregulated and now it's a corrupt mess.
Right, because healthcare should be rationed and patient care decisions should be based on controlling costs not what's best for the patient. In other words Liberal Care.
You exposed your mental instability.If you followed his posts you would know that he's out of his mind.WOW!! Another Canadian?
But wait, there's more! If you have an HMO, you also have co-pays for being admitted to the emergency room and hospital. These typically run from $600.00 to $3000.00. Is it any wonder that consumer healthcare costs are the number one reason for bankruptcy?
Wow, you're just spewing random shit relating to not a damned thing.
At least you clarified for us all that you are, in fact, out of your mind.
Because I've outed you and yours?
No, because you babble utter nonsense and then brag about how "brilliant" it was.
I've outed you and yours. Suck it up, you'll just come back under a different name.
Because no one wants to live in Calgary?Profits are what's left after taking X in amount of money, and paying X out. Health insurance companies (as I posted) have the lowest profit margin of other insurance companies. Yes, those profits are after administration costs along with all the other costs.
DumBama forced insurance companies to pay 85% of collected premiums on claims which decreased their ability to make profit. Insurance companies operate by taking your premium money, investing it, and the profits they gain from those investments help offset the claims they payout. So premiums had to increase because of that loss inflicted on them by the Democrats, who think they know how to run businesses better than the businesses do.
Left to their own without government intrusion, insurance companies are vastly more efficient than the government. That's why government hires the insurance companies to handle their billing for Medicare and Medicaid. If you eliminate insurance companies, then the government would have all those additional administrative costs, and we save very little.
You left out a whole range of expensive things that private insurance does which single payer does not, all of which reduce costs.
Underwriting: insurance companies have an entire department of actuaries reviewing your application, medical reports, and deciding on your premiums are. Single payer has a minimum wage data entry clerk inputing you name address and SS number.
Private insurance has a pre-approval process where doctors and nurses contact the insurance company to determine whether the company will pay for their proposed treatment. Medical staff at the insurance company decide if they will pay for it. Single payer doesn’t do pre-approvals, therefore eliminating the salaries and expenses hospitals, doctors’ offices and insurers. This frees medical staff to provide treatment to more patients, lowering costs to all.
No third party billing. With only one bill to send out to the government office, and no copses to collect, your receptionist can do the paperwork.
Lop off the administration and insurance company profit of 20% (I checked Ray - it’s 20% not 15%), add in the savings to doctors and hospitals for pre-approvals and billing -another 10% and you can easily save 30% on Administration
Third party billing charges between 7.9 to 10.9% of their billing’s with a monthly minimum of $999. That’s BEFORE we talk about pre-approval costs.
Single payer, enters the doctor name, posts his patient billings by OHIP number to confirm their card number is active and eligible, and issues a cheque. One bill to one insurer. No muss, no fuss, no medical reviews.
Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
Canada won't pay competitive wages (compared to the U.S.).
Canada doesn't pay "wages" to doctors. Doctors bill the government for services they provide to their patients. The fees for those services are lower in the USA. Unlike the USA, they can't charge whatever they want and "extra billing" is illegal. A Canadian doctor's practice can be as large or as small as they want. Our pediatrician in Toronto had his offices near the U of T. He taught medicine at the U of T, and was a part owner of a children's after-hours walk-in clinic near our home with two or three other pediatricians. My GP just had an his own office.
American hospitals and medical facilities come to Canada to hire our doctors to work in the USA. We raise em and train em, and then Americans promise them millions and poach our home grown doctors away. But even living in rural Ontario, where finding a doctor who is taking new patients is a problem, I can call my doctor up in the morning and be seen the same day.
Because no one wants to live in Calgary?You left out a whole range of expensive things that private insurance does which single payer does not, all of which reduce costs.
Underwriting: insurance companies have an entire department of actuaries reviewing your application, medical reports, and deciding on your premiums are. Single payer has a minimum wage data entry clerk inputing you name address and SS number.
Private insurance has a pre-approval process where doctors and nurses contact the insurance company to determine whether the company will pay for their proposed treatment. Medical staff at the insurance company decide if they will pay for it. Single payer doesn’t do pre-approvals, therefore eliminating the salaries and expenses hospitals, doctors’ offices and insurers. This frees medical staff to provide treatment to more patients, lowering costs to all.
No third party billing. With only one bill to send out to the government office, and no copses to collect, your receptionist can do the paperwork.
Lop off the administration and insurance company profit of 20% (I checked Ray - it’s 20% not 15%), add in the savings to doctors and hospitals for pre-approvals and billing -another 10% and you can easily save 30% on Administration
Third party billing charges between 7.9 to 10.9% of their billing’s with a monthly minimum of $999. That’s BEFORE we talk about pre-approval costs.
Single payer, enters the doctor name, posts his patient billings by OHIP number to confirm their card number is active and eligible, and issues a cheque. One bill to one insurer. No muss, no fuss, no medical reviews.
Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
Canada won't pay competitive wages (compared to the U.S.).
Canada doesn't pay "wages" to doctors. Doctors bill the government for services they provide to their patients. The fees for those services are lower in the USA. Unlike the USA, they can't charge whatever they want and "extra billing" is illegal. A Canadian doctor's practice can be as large or as small as they want. Our pediatrician in Toronto had his offices near the U of T. He taught medicine at the U of T, and was a part owner of a children's after-hours walk-in clinic near our home with two or three other pediatricians. My GP just had an his own office.
American hospitals and medical facilities come to Canada to hire our doctors to work in the USA. We raise em and train em, and then Americans promise them millions and poach our home grown doctors away. But even living in rural Ontario, where finding a doctor who is taking new patients is a problem, I can call my doctor up in the morning and be seen the same day.
America doesn't need to come to Canada to take your doctors away. Canadian doctors are quite aware of the income difference and come to the USA on their own free will to make a much better living. It's the same way with all other countries. We have doctors from all over the world here in Cleveland. I'm sure it's like that all over the country.
Because no one wants to live in Calgary?Spent a full year visiting Calgary (at least once a month). TV commercials replete with complaints about their doctor shortage.
Wonder why ?
Rural America is pretty short on doctors too.
Canada won't pay competitive wages (compared to the U.S.).
Canada doesn't pay "wages" to doctors. Doctors bill the government for services they provide to their patients. The fees for those services are lower in the USA. Unlike the USA, they can't charge whatever they want and "extra billing" is illegal. A Canadian doctor's practice can be as large or as small as they want. Our pediatrician in Toronto had his offices near the U of T. He taught medicine at the U of T, and was a part owner of a children's after-hours walk-in clinic near our home with two or three other pediatricians. My GP just had an his own office.
American hospitals and medical facilities come to Canada to hire our doctors to work in the USA. We raise em and train em, and then Americans promise them millions and poach our home grown doctors away. But even living in rural Ontario, where finding a doctor who is taking new patients is a problem, I can call my doctor up in the morning and be seen the same day.
America doesn't need to come to Canada to take your doctors away. Canadian doctors are quite aware of the income difference and come to the USA on their own free will to make a much better living. It's the same way with all other countries. We have doctors from all over the world here in Cleveland. I'm sure it's like that all over the country.
You even deny this is happening. Deny, deny, deny:
Home
Many of those attending job fairs are being offered an unrealistic picture of working in the USA. Many in the medical community are lured by promises of unlimited resources and higher income, but many health care professionals return home, because by the time the doctors pay for the added staff they need to practice medicine with insurance company pre-approvals and third party billing, they found that while they made more money in the USA, they kept more of what they made in Canada, and the were able to treat more patients in Canada absent the pre-approval process and interference from insurance companies.
Henry Ford Hospital job fair in Windsor draws nurses over the border
This "poaching" of foreign doctors is only applicable to physicians and nurses trained in the first world. North Americans make it extremely difficult for foreign trained doctors to get certified in Canada or the USA. Training of doctors is strictly controlled in first world countries.
You could solve all doctor shortgages all over North America by simply training more doctors. Medical school enrolment is strictly controlled to keep prices and income for doctors as high as possible, by ensuring there is always more demand for doctor than there are doctors.
If you want to see the left's heads explode, offer them universal healthcare with the stipulation that it is citizen run. No government or politician can touch it or the money. Their heads go BOOM!
I've been promoting universal healthcare run by a private, non-profit, for years. Conservatives call it "socialism."
We all know that if politicians and government controls it, it will be a corrupt mess. Also, able body mooching lazy deadbeats need not apply. I'm not going to work overtime to pay the healthcare bills for some fat ass lazy bum. I'm happy to contribute to the truly needy who can't work a job and need our help. I'm NOT going to fund FREE shit for everyone. Another stipulation, STOP demonizing doctors and nurses. Forcing them to work for less to fund this is not the answer. Our best and brightest will run from the healthcare profession in droves. You will get your healthcare from a bunch of stupid shit losers who scored a D- in school and accidently kill patients on a regular basis.
The HMO Act was deregulated and now it's a corrupt mess.
Right, because healthcare should be rationed and patient care decisions should be based on controlling costs not what's best for the patient. In other words Liberal Care.
If you want to see the left's heads explode, offer them universal healthcare with the stipulation that it is citizen run. No government or politician can touch it or the money. Their heads go BOOM!
I've been promoting universal healthcare run by a private, non-profit, for years. Conservatives call it "socialism."
We all know that if politicians and government controls it, it will be a corrupt mess. Also, able body mooching lazy deadbeats need not apply. I'm not going to work overtime to pay the healthcare bills for some fat ass lazy bum. I'm happy to contribute to the truly needy who can't work a job and need our help. I'm NOT going to fund FREE shit for everyone. Another stipulation, STOP demonizing doctors and nurses. Forcing them to work for less to fund this is not the answer. Our best and brightest will run from the healthcare profession in droves. You will get your healthcare from a bunch of stupid shit losers who scored a D- in school and accidently kill patients on a regular basis.
The HMO Act was deregulated and now it's a corrupt mess.
Right, because healthcare should be rationed and patient care decisions should be based on controlling costs not what's best for the patient. In other words Liberal Care.
This is the biggest fallacy about government funded health care. That the government controls what care you get, or rations care. The reality is that care is already being controlled and rationed by the insurance company, and yes, it's to control claims.
I have never been denied care by the government, but every one of my Americans friends has had their treatment or their claimed denied by their insurance company, or had to pay out of pocket for going to an "out of network" physician or hospital. My American friends complain endlessly about dealing with copays saying they felt poorly or they fell and thought they needed to go to emergency, but knowing the co-pays would be in the neighbourhood of $1000, elected to tough it out.
Every survey ever done says that co-pays keep sick people from getting treatment. Co-pays keep poor people from filling prescriptions they need for drugs. Co-pays simply prevent people from getting early treatment before the illness progresses to the point where treatment is no longer optional, but absolutely necessary, thus increasing treatment costs.
American hospitals and medical facilities come to Canada to hire our doctors to work in the USA. We raise em and train em, and then Americans promise them millions and poach our home grown doctors away. But even living in rural Ontario, where finding a doctor who is taking new patients is a problem, I can call my doctor up in the morning and be seen the same day.
