Private insurance, most efficient , cost effective funding of Healthcare ?

Nurses Activism

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What I can't understand , in the present discussion of healthcare funding , is the opposition from the Insurance corporations to the government offering an insurance option .

We are always told that the government cannot run anything efficiently , so surely that would lead to either high premiums for this option , or poor delivery of service to the participants of that system , which would by market forces lead to those patients then seeking out private insurance ?

Private insurance by its very efficiencies , should be able to provide insurance at such competitive terms that nobody would want the insurance offered by the government .

So what am I missing when I hear the proponents of private insurance ,saying that a government health insurance option is such a bad idea ?

A Kaiser Foundation study found that many American companies do not offer health insurance to employees. Very small companies in particular are especially unlikely to provide such benefits:

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Even those that do provide benefits, of course, generally do not cover the full cost of the insurance premium. Most cover just a small fraction of that cost, and relatively few cover a majority of the expense:

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Interesting article from todays star tribune about alleged efficiency of the private sector for delivery of services to the public:

Everywhere we look it is the private, not the public, that has proven bloated, inefficient and corrupt.

A recent BBC investigation revealed that private military contractors in Iraq had "lost, stolen, or not properly accounted for" at least $23 billion in taxpayer funds.

A few months ago, Chicago privatized its public parking meters and the cost of an hour of parking promptly rose by 200 percent!

In the 1960s, when Canada shifted to a single public health insurer from a system dominated by private companies, per capita health care costs in Canada were about the same as they were in the United States. Today, Canada's public health system delivers first-rate health care to all Canadians for far less than our private system costs to provide care for less than 80 percent of Americans.

at http://www.startribune.com/opinion/commentary/49631637.html?elr=KArksc8P:Pc:U0ckkD:aEyKUiD3aPc:_Yyc:aULPQL7PQLanchO7DiUr

We have seen the same cost inflation phenomenon in health care. Further on in the article it describes how giving a public vs. private sector choice option has resulted in better services at lower cost for garbage collection and electricity. Health care is a similar industry We all need health care just like we need sanitation and electricity services.

5) VA patients had more records and more visits. It took one and a hlaf times longer to go through the VA pts' charts. This is a major confounder. The authors also admit to this. Also VA patients also go to a single location. Easier follow up, less switching doctors etc. This also skews the data

From personal experience at the VA and a major university hospital, I can tell you that there is an incredible difference in the kind of care you get in the hospital at the VA compared to the other university hospital. And it's not just me. I have not heard a single medical student, resident or physician who works at both systems say they view the care to be better at the VA. I have heard probably 50 times just this year just how slowly things move and how the care just isnt as good at the VA.

I agree that the preventative health care that you get at the VA is much better than nothing. But if every system worked like the VA we would just be bringing good parts of our health care system down to the lowest common denomenator.

Perhaps though, just the VA that I work at sucks

Medical homes do lead to better average care which I think ou are acknowledging. I think anyone can tear a study down on research design issues without looking for the deeper truths. If anything I think of VA hospitals as the canary in the coal mine for health care in any region. If the care is good for the population in a geographic area as a whole than the VA hospital will be good. If care is poor or access is difficult the VA system in that area will struggle as well. The deeper truth is just that. If we improve access/quality than care as a whole improves.

I just came back from DEMPS training last week. One of lessons brought back was that Federal Medical Station care (staffed by VA volunteers) was usually superior to the care that the patients had received in their local area and the patients did not want to leave the care environment.

Is citing a complaint of a provider really a valid way to see truths? Anecdotal evidence is not a particularly good way to discern system performance. (I agree that there are care gaps for dental/podiatry but those are issues that need to be worked on at a system level. On the other hand I think primary care does work reasonably well.) CPRS constantly prompts and reminds us what health assessments are due/overdue.

If anything we should always be asking how can we improve system performance? Always assuming that the public system is ineffective is just as invalid as assuming that the private sector always works better.

Specializes in Critical care, tele, Medical-Surgical.

greed and sleaze or choice and freedom

by donna smith

ah, independence day. we americans love our freedom and our freedom to choose. but when it comes to our healthcare system, it seems we’ve forgotten that our choices are most limited and our freedom most restricted under the broken, for-profit, private health insurance model that has been outdoing itself on greed and sleaze for decades.

kids, women, all non-white ethnic groups, seniors, sick folks – all of these groups have been among those discriminated against by the high-cost, high-profit u.s. healthcare system. periodically when the abuses became just too egregious politically and socially, our government would struggle to put programs in place to address the disparities and quiet the storm.

but profits must be paid under this system, and americans are not free to choose either their doctors or their treatments when the bottom line is the top priority. ...

...after paying the $17, thomas’ mom was told they’d have to have a credit card on file before services for her own lab work could be rendered, and she signed a paper giving the lab permission to charge the card if insurance didn't pay. what should she do? risk that thomas will need a test and have it stopped like my husband’s was, as he was being treated for heart attack?

nope. these are equal opportunity greed and sleaze mongers… 5 year olds and grandpas alike. money talks. pay in advance and live.

i guess we could see this coming – first we all have to pay co-pays and deductibles in advance of receiving any care or treatment at all and now we’ll have to have credit cards and deposits on file to anticipate future needs.

yet i keep hearing this asinine talk about single payer healthcare putting bureaucrats in-between patients and their providers. come on. public funding and private delivery does not put more people between me and my docs – it strips folks with purely profit motivations away from the relationship. ...

http://www.guaranteedhealthcare.org/blog/donna-smith-sicko-patient/2009/07/03/our-healthcare-greed-and-sleaze-or-choice-and-freedom

U.S. Health Spending Breaks From the Pack

The U.S. is the only industrialized country that doesn't have universal health care, and it spends a much higher percentage of its GDP, and much more per person, on health care than its peers.

Since 1980, the percentage of GDP spent on health care in the U.S. has risen by about 7%, whereas the average for the other OECD countries has risen by 2.3%.

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Specializes in OR,ER,med/surg,SCU.

Is this truly the proposed healthcare chart?

http://docs.house.gov/gopleader/House-Democrats-Health-Plan.pdf

And this proposal on how to pay for this....is this correct?

http://www.youtube.com/watch?v=X2JulokpU_w&feature=player_embedded

Specializes in Psych , Peds ,Nicu.
Is this truly the proposed healthcare chart?

http://docs.house.gov/gopleader/House-Democrats-Health-Plan.pdf

And this proposal on how to pay for this....is this correct?

http://www.youtube.com/watch?v=X2JulokpU_w&feature=player_embedded

I wish we could ( on both sides of this debate ) find unbiased sources to go over ( factually ) what this plan is . If as some may argue the plan is not fully formed , remember we are at present discussing what may be

, and will omly be able to debate the reality when it is presented .

As to the above sources , I think it would be very hard to view them as unbiased ( GOP and Fox )!

I wish we could ( on both sides of this debate ) find unbiased sources to go over ( factually ) what this plan is . If as some may argue the plan is not fully formed , remember we are at present discussing what may be, and will omly be able to debate the reality when it is presented .

Here you go:

Side-by-side comparison of major health care reform proposals

Specializes in Critical care, tele, Medical-Surgical.

Nurse Wages Battle with Insurer Over Policy Cancellation

Robin Beaton, RN, worked as a nurse for 30 years in labor and delivery, the MICU-CCU, ED, and NICU at Parkland County Hospital and Methodist Central Hospital in Texas.

"I liked to be where the action was," she said from an antique mall in Fort Worth where she sells antiques in her retirement.

But after all those years of caring for patients who were injured, ill, or dying, Beaton, 59, almost didn't get the double mastectomy she needed when she was diagnosed in June 2008 with HER2 positive breast cancer, an aggressive form of the disease.

Beaton, who lives in Waxahachie, Texas, was not among the approximately 45 million Americans who do not have health insurance. In fact, Beaton, a retired nurse, purchased an individual health insurance policy in December of 2007 through Blue Cross and Blue Shield and paid the $400 premium every month.

Yet she was denied treatment for her breast cancer-the very first claim she had made on the policy-because her insurer, Blue Cross and Blue Shield, canceled her entire policy after she made the claim.

Insurance officials told her they canceled her coverage because she had failed to inform them about a visit to a dermatologist for acne. The company interpreted a word in the dermatologist's notes to mean she had a precancerous condition. The dermatologist himself called the insurance company and told officials they were wrong, and that Beaton did not have a precancerous condition. ...

http://news.nurse.com/article/20090720/NATIONAL01/107200001/-1/frontpage

Specializes in ER OR LTC Code Blue Trauma Dog.

Private insurance is probobly the most efficient, cost effective method of funding healthcare services for the American public today....

...Just ask the 46 million Americans who don't have any.

(Dripping in sarcasm :) )

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