Obamacare and Nursing.. what do you think? - page 10

by OKNurse2be

46,270 Unique Views | 97 Comments

I know that I am possibly opening up a can of ugly worms. I hope that in spite of differing opinions, that this thread can remain friendly and a simple exchange of ideas and opinions. As a beginning nursing student, I am... Read More


  1. 0
    Quote from forrester
    How much education on obesity do you do with your patients?
    How are you doing?
    Obesity is first and foremost, a psychological disorder. Being over weight is just a symptom. Obesity should be treated by a psychologist/ psychiatrist first.
  2. 0
    Quote from Saiderap
    Why can't Obama Care cost the same amount as auto insurance or home insurance

    instead of the outrageous amounts people are talking about?
    Simple, there is no collateral in healthcare insurance.
  3. 0
    Quote from MunoRN
    How would that be possible? We spend $120,000,000 on auto claims, and $2,700,000,000,000 on health claims, so of course the premiums will be higher, much higher since we spend about 20 thousand times as much on healthcare as we do on car repair claims.
    Let's suppose they get rid of all the health insurance fraud.

    If this is possible then do you think they might be able to get health insurance down to a lower price than it is right now?
  4. 1
    Quote from Saiderap
    Let's suppose they get rid of all the health insurance fraud.

    If this is possible then do you think they might be able to get health insurance down to a lower price than it is right now?
    There are many reasons why auto and home insurance is relatively cheap compared to health insurance. Some of those reasons:

    -Auto and home insurance is real insurance. It pays only for when really bad things happen. It doesn't pay for routine things like tires, oil changes, painting your house, visits from the plumber.

    -Auto and home insurance premiums are based on real risk. It's not the same price for all. A 21 year old male driving his Ferrari will pay a lot more for insurance then grandma in her Buick.

    -There is much more competition in the home and auto insurance market.

    -When insurance does pay for claims, the products and services that are being paid for are in a real market. Home and auto repairs are in a market where prices are based on competition, supply, and demand. This does not exist in healthcare.
    trudlebug likes this.
  5. 3
    Quote from SC_RNDude
    There are many reasons why auto and home insurance is relatively cheap compared to health insurance. Some of those reasons:

    -Auto and home insurance is real insurance. It pays only for when really bad things happen. It doesn't pay for routine things like tires, oil changes, painting your house, visits from the plumber.

    -Auto and home insurance premiums are based on real risk. It's not the same price for all. A 21 year old male driving his Ferrari will pay a lot more for insurance then grandma in her Buick.

    -There is much more competition in the home and auto insurance market.

    -When insurance does pay for claims, the products and services that are being paid for are in a real market. Home and auto repairs are in a market where prices are based on competition, supply, and demand. This does not exist in healthcare.
    I would think the most obvious reason health insurance costs more than auto and home insurance is that insurance cost is directly related to the costs it is covering. We spend not twice as much, not three times as much fixing people as we do fixing cars, but 23,000 times as much. It makes you wonder why we spend so much on car insurance, not the other way around.

    If having a functioning car was comparable to having a functioning body then the dynamics of both types of insurance would be comparable, but it's not. If I show up at a body shop with a mangled car, and cannot present any evidence I will be able to pay the bill, the shop is under absolutely no obligation to fix my car. If I show up at an ER with a mangled body, the ER is legally required to fix me regardless of the cost and regardless of my potential ability to pay the bill.

    In order for true market forces to work, a product has to be subject to supply and demand, and preferable should be something we can do without with if the market can't provide it at a fair price. Healthcare doesn't work that way, for our most expensive care, you can't shop around, although we do at least have insurance companies that do that for us. Nobody cares if a teenager gets priced out of driving a ferrari, we hold a different view on someone being priced out of cancer treatment.
    smartnurse1982, laborer, and herring_RN like this.
  6. 1
    Why can't EMTLA be revoked? I know Ronald Reagan signed it into law.

    I'm just curious.
    Many politicians and citizens think that the treatment they receive in the ER is free.
    I know my state gives money to the hospitals every year because these hospitals would otherwise close. There are too many people who don't want to carry health insurance,because they believe they can just walk in and receive free treatment,and the sad thing is some politicians are telling them that.
    laborer likes this.
  7. 0
    Quote from MunoRN
    I would think the most obvious reason health insurance costs more than auto and home insurance is that insurance cost is directly related to the costs it is covering. We spend not twice as much, not three times as much fixing people as we do fixing cars, but 23,000 times as much. It makes you wonder why we spend so much on car insurance, not the other way around.

    If having a functioning car was comparable to having a functioning body then the dynamics of both types of insurance would be comparable, but it's not. If I show up at a body shop with a mangled car, and cannot present any evidence I will be able to pay the bill, the shop is under absolutely no obligation to fix my car. If I show up at an ER with a mangled body, the ER is legally required to fix me regardless of the cost and regardless of my potential ability to pay the bill.

    In order for true market forces to work, a product has to be subject to supply and demand, and preferable should be something we can do without with if the market can't provide it at a fair price. Healthcare doesn't work that way, for our most expensive care, you can't shop around, although we do at least have insurance companies that do that for us. Nobody cares if a teenager gets priced out of driving a ferrari, we hold a different view on someone being priced out of cancer treatment.
    Sounds like you are saying that healthcare insurance is nothing like home or car insurance, and that a true healthcare market doesn't really exist.

    I agree.

    However, if our insurance was ONLY for our most expensive care for which, like you said, we can't really shop around for (although the cancer care example you used I would disagree that we couldn't shop around for that), healthcare insurance and healthcare services would be much more affordable.
  8. 0
    Quote from tewdles
    So will this involve some sort of "death panel" to determine who it is reasonable to treat and who is not treated and allowed to die?
    Why It Is So Difficult to Kill the Death Panel Myth - Forbes


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