#46
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Ah OK, but I think Sillies point or question was more about it being a "Business" at all and not about the HMO going out of business per se
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Enjoy the Journey.... Kev... KevWind at Soundcloud KevWind at YouYube https://www.youtube.com/playlist?lis...EZxkPKyieOTgRD System : Studio system Avid Carbon interface , PT Ultimate 2023.12 -Mid 2020 iMac 27" 3.8GHz 8-core i7 10th Gen ,, Ventura 13.2.1 Mobile MBP M1 Pro , PT Ultimate 2023.12 Sonoma 14.4 |
#47
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Does not answer the question.
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If you want to save on medical costs then choose to live healthy early in life. This does not apply to everyone, but it does apply to most.
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http://chucksmusicpage.blogspot.com/ |
#48
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Of course it does. 10 countries have figured out how to provide care that rates better on overall quality and less cost. Maybe we should look at what and how they do it. The fact that you refuse to acknowledge the obvious and objective truth in the facts, does not diminish them
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Enjoy the Journey.... Kev... KevWind at Soundcloud KevWind at YouYube https://www.youtube.com/playlist?lis...EZxkPKyieOTgRD System : Studio system Avid Carbon interface , PT Ultimate 2023.12 -Mid 2020 iMac 27" 3.8GHz 8-core i7 10th Gen ,, Ventura 13.2.1 Mobile MBP M1 Pro , PT Ultimate 2023.12 Sonoma 14.4 Last edited by KevWind; 11-19-2017 at 02:34 PM. |
#49
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Sorry, but no one will need 20 million dollars for care and any exorbitant costs they suffer are a product of the very system that awarded them that amount.
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Fazool "The wand chooses the wizard, Mr. Potter" Taylor GC7, GA3-12, SB2-C, SB2-Cp...... Ibanez AVC-11MHx , AC-240 |
#50
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You are all missing the point. Why would anyone call for an ambulance or the EMT squad for nausea ? How about a handful of Tums, Imodium Ad or GasX ?
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#51
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A close friend was skiing, was hit by an out of control skier, cited by the ski patrol, however he received severe injuries and was knocked unconscious. He was taken to the hospital and remained in a coma for several days with brain swelling, procedures and surgeries. He had no family to make decisions for him and was hit with a bill for over $250K. He sued the out of control skier, who was a 20 something with no assets and no real job and won a judgement however has never collected. My friend was young, self employed and had no health insurance coverage. The hospital sued my friend and won a judgement against his wages to pay the bill. Beyond that, as others have said, in an emergency, you are relying on professionals to make the best medical decision not a decision based on quotas and cost. When your loved one has a heart attack, a stroke, or collapse and is rushed to the hospital. Time is of the essence. I would seriously doubt if any of us collapsed and were having a heart attack or stroke or any other emergency where our life was in the balance we would be negotiating the cost as the doctors administered their treatment on us.
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"the tragedy in life is not what we suffer, it is what we miss" Guitar Experiences-> | Bourgeois | Collings | Cordoba | Larrivee |Martin | Northwood | PRS Electric| Rainsong | Taylor | Voyage Air | |
#52
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[QUOTE=KevWind;5541896]
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Better healthcare means better treatment and disease management. It means you and you provider are on the same page. It means you take responsibility for yourself and those under your roof. It means you eat and exercise. If you do those things you will on average need to spend less.
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http://chucksmusicpage.blogspot.com/ Last edited by Kerbie; 11-19-2017 at 02:41 PM. Reason: Edited |
#53
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That's without getting into medications, medical equipment, and loss of earnings that his or her family might have depended on to survive. Last edited by cmd612; 11-19-2017 at 03:28 PM. Reason: typo |
#54
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I don't have drug coverage it was just $180 at the local pharmacy or $23 on line. And what does matter is that it is still very problematic because even if it is covered by insurance, then the insurance company is paying the absurd total difference or more likely a contracted discounted price but no doubt still some excess difference in amount (which it passes on thru to in premiums) . This cost differential is indicative of systemic problems Quote:
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But that really does little to mitigate the current situation..... You taking responsibility for you and yours, does not really move us towards fixing the current problems . But as per the graph I posted there are steps that other countries have taken and could be analyzed and used to fashion hybrid steps that could fairly quickly start to move us in a less costly direction. But It would take some major rethinking of current policy and strategy and would be pitted against some very powerful profit oriented forces ., can't go any further except to say we probably have some fundamental differences in terms of perspective on private and public health care
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Enjoy the Journey.... Kev... KevWind at Soundcloud KevWind at YouYube https://www.youtube.com/playlist?lis...EZxkPKyieOTgRD System : Studio system Avid Carbon interface , PT Ultimate 2023.12 -Mid 2020 iMac 27" 3.8GHz 8-core i7 10th Gen ,, Ventura 13.2.1 Mobile MBP M1 Pro , PT Ultimate 2023.12 Sonoma 14.4 Last edited by KevWind; 11-19-2017 at 04:29 PM. |
#55
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He always says the amount billed to insurance companies for those with insurance or individuals with the financial means to pay out of pocket are carrying/paying for those unable to pay, and those on medicare and medicated. He said until the mandate for individuals to have insurance was a start to fix a broken system. He said the mandate to have mandatory health insurance was good start as it assured the hospital would be reimbursed and thus held down the cost they passed along to insurance and cash paying patients. Given his background and experience his comments seemed very reasonable.
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"the tragedy in life is not what we suffer, it is what we miss" Guitar Experiences-> | Bourgeois | Collings | Cordoba | Larrivee |Martin | Northwood | PRS Electric| Rainsong | Taylor | Voyage Air | |
#56
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Thanks for that perspective. It certainly seems reasonable.
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Fazool "The wand chooses the wizard, Mr. Potter" Taylor GC7, GA3-12, SB2-C, SB2-Cp...... Ibanez AVC-11MHx , AC-240 |
#57
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An overseas medical event and then back home.
In 2011, while visiting my better half's family and friends in Taiwan, I collapsed and lost consciousness due a hernia. I was taken to the hospital by ambulance. It was quite serious per the doctors in Taiwan and I needed surgery ASAP. I had surgery, spent 5 days in the hospital and paid cash upon being released. The total bill was under $2,400. The hospital was very modern and approximately 10 years old. My itemized bill included X-rays for $19 and a CAT scan with contrast for $325. My surgeon in Taiwan was schooled in the U.S. and graduated from an Ivy League school. The anesthesiologist was schooled in Pais. The nurses, and there were quite a few, would check on me every 15 minutes or so. My insurer re-imbursed me the entire amount. I returned home and had another medical event (unrelated) within two weeks which required a CAT scan with contrast and as I entered the machine I noticed the machine name, Siemens, was the same as the one in the hospital in Taiwan. My statement from my insurer showed the hospital billed them $5,800. I could not help think back to my itemized bill from the hospital in Taiwan where the same CAT scan cost me $325. In going over the U.S. CAT results with my doctor of 20 years, he commented that my rush to the ER in an ambulance and subsequent surgery in Taiwan would have run between $35K to $50K in the U.S. and I probably would have been done as an outpatient or spent no more than one nite in the hospital. It is baffling to comprehend the cost differences.
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"the tragedy in life is not what we suffer, it is what we miss" Guitar Experiences-> | Bourgeois | Collings | Cordoba | Larrivee |Martin | Northwood | PRS Electric| Rainsong | Taylor | Voyage Air | |
#58
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The scenario that you just related is an outlier and an anomaly . I have no doubt that most of us were 20 somethings that lacked assets at some point . Unless this incident was intentional , I see no reason to attack the other skier . I am curious as to the nature of " out of control " . A beginner tends to be out of control . Need more info . Oh yeah , I am personally very familiar with risky activities and what can happen . I road raced motorcycles for a number of years . As far as your loved one/s are concerned , this is exactly when you should step up to help them because they cannot help themselves and they can have established a durable or medical power of attorney exactly for this purpose . |
#59
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.....
Last edited by buddyhu; 11-19-2017 at 05:00 PM. |
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This individual was considered "reckless" as he could not control his speed and stop, he entered the trail from an area marked "out of bounds" where he should not have been skiing. Fortunately, for Greg, the ski patrol, was right there when it happened. He suffered broken ribs, a punctured lung and a severe head injury and concussion. None of us knew about for a week or so as he was unconscious. I remember getting the call when he came out of the coma. His injuries were so severe he was airlifted to the regional medical facility. Negotiating? My former employer offered a CDHP plan about a eight years ago. CDHP stood for Consumer Driver Health Plan and I signed up for it. When I tried to negotiate the fees with the hospital for a procedure, I was told I could not. (I was responsible for a deductible and had a maximum out of pocket, so I thought I could negotiate that portion). The hospital turned me down and referred me to our insurer. My company insurer told me the name, CDHP, was a marketing name and that it did not mean I could negotiate anything. The insurer said, they had already negotiated all the fees and I was responsible for the deductible and maximum out of pocket. So much for a gimmicky name...
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"the tragedy in life is not what we suffer, it is what we miss" Guitar Experiences-> | Bourgeois | Collings | Cordoba | Larrivee |Martin | Northwood | PRS Electric| Rainsong | Taylor | Voyage Air | |