U.S. Medical Care (9)
I relish that this is an international forum, so anyone who wants to extoll the virtues or lament the shortcoming of their own medical system, feel free.
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CC Thank you for your reply.
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CasualCarol: In an attempt to not H/J another thread, I decided to make a new one to try and answer Cin's remark. This is my own understanding of one aspect, and by no means is it irrefutable. I know there are many who support the ACA and many who don't. I will not play referee here, but everyone is welcome to opine or give examples of either good or bad.
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It's true Cin, medical insurance sometimes covers only certain percentages and costs, and there is a lot of fudging going on. This is an ongoing problem within the structure of the Health Care Insurance companies as well as the hospitals themselves. There is no doubt that there has been collusion between the two entities.
Take for example child "A" has a head injury and needs a CAT or MRI scan. The first thing a hospital asks a worrying mother is what kind of insurance they have? If you're low income, with medicare, minimal or no coverage, the scan will be performed, and most likely the gov't will be billed at "x" amt of dollars, or the hospital absorbs the cost, often times knowing the parents are unable to pay. Say they charge $500. They know exactly what they can bill the Gov't for and what amount will be paid for this scan, or the likelihood of repayment from the family.
Now child "B" needs the same exact scan, same worrying parents, but the parents have great insurance through their employer subsidized insurance, like Aetna or Blue Cross & Blue Shield. The same exact scan is performed, but the hospital then submits a bill for "Y", say $300 to the insurance company.
Why the discrepancy in the cost? Because most hospitals have a tier system for costs for the procedures they do, depending on who is paying.
There are some 1,000 insurance companies overseeing $500 Billion in revenues. The executives are being paid hundreds of millions of dollars in compensation for providing this fudging. One of their best was to eliminate coverage as soon as a condition became apparent, or impose a a max benefit payout, then refuse coverage on a pre-existing condition. The "Great American Money Pit" for sure.
Did we need some sort of Government interference? I think so. Will the Affordable Care Act solve all the problems, of course not, but at least it gives many a chance to get health care coverage without going into bankruptcy over a catastrophic illness or sudden accident. For the first time many can see Dr.'s for prevention and care, not just dropping in to visit the ER when things go south.
...in Britain , we have the N.H.S.....where every one pays a small ammout into.....not perfect, true. but better then pay ...now or die....situation in other countries.-----------------------------------------
It's true Cin, medical insurance sometimes covers only certain percentages and costs, and there is a lot of fudging going on. This is an ongoing problem within the structure of the Health Care Insurance companies as well as the hospitals themselves. There is no doubt that there has been collusion between the two entities.
Take for example child "A" has a head injury and needs a CAT or MRI scan. The first thing a hospital asks a worrying mother is what kind of insurance they have? If you're low income, with medicare, minimal or no coverage, the scan will be performed, and most likely the gov't will be billed at "x" amt of dollars, or the hospital absorbs the cost, often times knowing the parents are unable to pay. Say they charge $500. They know exactly what they can bill the Gov't for and what amount will be paid for this scan, or the likelihood of repayment from the family.
Now child "B" needs the same exact scan, same worrying parents, but the parents have great insurance through their employer subsidized insurance, like Aetna or Blue Cross & Blue Shield. The same exact scan is performed, but the hospital then submits a bill for "Y", say $300 to the insurance company.
Why the discrepancy in the cost? Because most hospitals have a tier system for costs for the procedures they do, depending on who is paying.
There are some 1,000 insurance companies overseeing $500 Billion in revenues. The executives are being paid hundreds of millions of dollars in compensation for providing this fudging. One of their best was to eliminate coverage as soon as a condition became apparent, or impose a a max benefit payout, then refuse coverage on a pre-existing condition. The "Great American Money Pit" for sure.
Did we need some sort of Government interference? I think so. Will the Affordable Care Act solve all the problems, of course not, but at least it gives many a chance to get health care coverage without going into bankruptcy over a catastrophic illness or sudden accident. For the first time many can see Dr.'s for prevention and care, not just dropping in to visit the ER when things go south.
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Hey Pete, I have many on-line friends associated with the Macmillan Forums, and most are very happy with the services provided in the U.K.
I wished we could have re-vamped our whole medical system here, and got UNIVERSAL HEALTH CARE for all.
I wished we could have re-vamped our whole medical system here, and got UNIVERSAL HEALTH CARE for all.
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I don't think that the mandate that everyone must own health insurance(private for most of you)will improve results(on average). The idea of removing consumer choice when dealing with for-profit organisations is corrupt(or the most one-sided solidarity ever). And I look at the ACA as an expansion of the worst(on average)and most expensive healthcare system in the developed world.
There will be a few cases where people benefit from the ACA, but there has to be a little bit of carrot to go along with the giant stick you're about to be shafted with.
There will be a few cases where people benefit from the ACA, but there has to be a little bit of carrot to go along with the giant stick you're about to be shafted with.
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I'm not all that impressed with the Healthcare system in the USA.I think the USA government stinks it's nose in enough of people's business at it is now.All the political figures here can try to convince me that everyone will get good healthcare when I know full well that that will never happen.
I know never say never.
Some other countries may have it worse than us don't know since I obviously don't live there.
I know never say never.
Some other countries may have it worse than us don't know since I obviously don't live there.
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I've won a green card this year ( DV )of US and I am in doubts not knowing what to do, though life will start from a scratch there and mostely I am scared for medical incurance, I am a single mother with 6 years old child.
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CasualCarol: Hey Pete, I have many on-line friends associated with the Macmillan Forums, and most are very happy with the services provided in the U.K.
I wished we could have re-vamped our whole medical system here, and got UNIVERSAL HEALTH CARE for all.
hi..Carol.....I know very little about u.s ...medical......but wasn't that , something Obama..had on his mind,...?????..but sank like a stone.....?????I wished we could have re-vamped our whole medical system here, and got UNIVERSAL HEALTH CARE for all.
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Created: Mar 2014
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-----------------------------------------
It's true Cin, medical insurance sometimes covers only certain percentages and costs, and there is a lot of fudging going on. This is an ongoing problem within the structure of the Health Care Insurance companies as well as the hospitals themselves. There is no doubt that there has been collusion between the two entities.
Take for example child "A" has a head injury and needs a CAT or MRI scan. The first thing a hospital asks a worrying mother is what kind of insurance they have? If you're low income, with medicare, minimal or no coverage, the scan will be performed, and most likely the gov't will be billed at "x" amt of dollars, or the hospital absorbs the cost, often times knowing the parents are unable to pay. Say they charge $500. They know exactly what they can bill the Gov't for and what amount will be paid for this scan, or the likelihood of repayment from the family.
Now child "B" needs the same exact scan, same worrying parents, but the parents have great insurance through their employer subsidized insurance, like Aetna or Blue Cross & Blue Shield. The same exact scan is performed, but the hospital then submits a bill for "Y", say $300 to the insurance company.
Why the discrepancy in the cost? Because most hospitals have a tier system for costs for the procedures they do, depending on who is paying.
There are some 1,000 insurance companies overseeing $500 Billion in revenues. The executives are being paid hundreds of millions of dollars in compensation for providing this fudging. One of their best was to eliminate coverage as soon as a condition became apparent, or impose a a max benefit payout, then refuse coverage on a pre-existing condition. The "Great American Money Pit" for sure.
Did we need some sort of Government interference? I think so. Will the Affordable Care Act solve all the problems, of course not, but at least it gives many a chance to get health care coverage without going into bankruptcy over a catastrophic illness or sudden accident. For the first time many can see Dr.'s for prevention and care, not just dropping in to visit the ER when things go south.