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ObamaCare Discuss GOP wrestles with soaring deductibles in healthcare bill at the General Forum; Originally Posted by GottaGo While I agree with the majority of what you've said here, one thing that everybody seems ...

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Old 07-25-2017, 01:47 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Originally Posted by GottaGo View Post
While I agree with the majority of what you've said here, one thing that everybody seems to treat like an elephant stuffed in the closet, is the actual costs of healthcare that have escalated at astounding rates over the last 20 years (or so).

Providing health insurance 'for everybody' is going to be astronomical on one end or another if you (generic) don't address the underlying costs. It's time for regulations on the health industry (and I believe you know how much that pains me to say it) and remove the government involvement other than regulation.

UHC is basically the government acting as a 'insurer', who collects money up front, decides if you are deemed worthy of certain treatments based only on fiscal impact. In addition, the ability to receive treatment at your expense is curtailed and in certain cases, not permitted (Charlie Gard) because others may seek to do the same, and that would have a detrimental psychological impact on the members of the UHC group.

Is that truly what you want?
Yes, HC costs have been going up for years. However, there are many factors involved with that with the most obvious being the ever increasing number of frivolous lawsuits. You can't watch more than 10 mins of TV without seeing an add asking "Did something go wrong when a doctor saved your life? If so, call this number and we will get rich!"

Tort Reform would go a long way in curtailing the rising costs in HC. 22 years ago, when my wife was seeing her OBGYN during her pregnancy with my son, I spoke to the doctor about HIS costs of malpractice insurance. 22 years ago, he was paying a 6 figure premium even though he had never had a successful lawsuit filed against him. Mind you, this is a small town doctor dealing with responsible, small town people. I cannot imagine what a doctor in a large city would be paying, especially now. Just think of the number of patients they need to bill, just to pay their malpractice insurance?

And that is just the tip of the iceberg. Anyone involved with the HC industry, is liable to be sued when a pregnant crackhead spits out a less than perfect kid. When that happens, there will be a lawyer with dollar signs in his eyes.

The problem we have, is that we are expecting a bunch of lawyers in Congress to legislate against their own, and that won't happen.
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Old 07-25-2017, 02:10 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Originally Posted by Surly View Post
YEa, sure Kirk, before Obama health care was cheap, and getting cheaper every year, efficient and available to all.
I don't make anywhere near 56K. Would LOVE it if I did.

But my deductible is $12000 family and 6000 individual. Considerably more than what was indicated in the article. My premium is 12K.

Before Obamacare I paid about 3-4K premium with 250 individual deductible and 500 family.


SO yeah, whatever. For other's this is anecdotal, but for me it is reality.
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Old 07-25-2017, 02:16 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Yes, HC costs have been going up for years. However, there are many factors involved with that with the most obvious being the ever increasing number of frivolous lawsuits. You can't watch more than 10 mins of TV without seeing an add asking "Did something go wrong when a doctor saved your life? If so, call this number and we will get rich!"

Tort Reform would go a long way in curtailing the rising costs in HC. 22 years ago, when my wife was seeing her OBGYN during her pregnancy with my son, I spoke to the doctor about HIS costs of malpractice insurance. 22 years ago, he was paying a 6 figure premium even though he had never had a successful lawsuit filed against him. Mind you, this is a small town doctor dealing with responsible, small town people. I cannot imagine what a doctor in a large city would be paying, especially now. Just think of the number of patients they need to bill, just to pay their malpractice insurance?

And that is just the tip of the iceberg. Anyone involved with the HC industry, is liable to be sued when a pregnant crackhead spits out a less than perfect kid. When that happens, there will be a lawyer with dollar signs in his eyes.

The problem we have, is that we are expecting a bunch of lawyers in Congress to legislate against their own, and that won't happen.
I have always held that if someone is TRULY guilty of MALPRACTICE, they should be held responsible. They should lose their license to practice. Not just "Oh, insurance pays out, premium goes up, and business as usual."

If a mistake is made, that isn't necessarily malpractice. In my book malpractice requires misconduct. Misconduct can lead to a mistake, but a mistake doesn't automatically mean there was misconduct.
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Old 07-25-2017, 02:16 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Originally Posted by GetAClue View Post
Yes, HC costs have been going up for years. However, there are many factors involved with that with the most obvious being the ever increasing number of frivolous lawsuits. You can't watch more than 10 mins of TV without seeing an add asking "Did something go wrong when a doctor saved your life? If so, call this number and we will get rich!"

Tort Reform would go a long way in curtailing the rising costs in HC. 22 years ago, when my wife was seeing her OBGYN during her pregnancy with my son, I spoke to the doctor about HIS costs of malpractice insurance. 22 years ago, he was paying a 6 figure premium even though he had never had a successful lawsuit filed against him. Mind you, this is a small town doctor dealing with responsible, small town people. I cannot imagine what a doctor in a large city would be paying, especially now. Just think of the number of patients they need to bill, just to pay their malpractice insurance?

And that is just the tip of the iceberg. Anyone involved with the HC industry, is liable to be sued when a pregnant crackhead spits out a less than perfect kid. When that happens, there will be a lawyer with dollar signs in his eyes.

The problem we have, is that we are expecting a bunch of lawyers in Congress to legislate against their own, and that won't happen.
Agreed, tort reform and the frivolous lawsuits that insurance companies settle just to make them go away.

On top of that, Big Pharma has a happy old time extending patents existing substances by changing the delivery method, or inert fillers. Now, I can see patenting a process, but if the actual active drug hasn't changed, then extending the patent keeps them away from the generic market.

Yes there is R&D, and the costs there of, but quite often a new drug is developed out of the old drugs, so a lot of the R&D cost doesn't exist.
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Old 07-25-2017, 02:19 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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I don't make anywhere near 56K. Would LOVE it if I did.

But my deductible is $12000 family and 6000 individual. Considerably more than what was indicated in the article. My premium is 12K.

Before Obamacare I paid about 3-4K premium with 250 individual deductible and 500 family.


SO yeah, whatever. For other's this is anecdotal, but for me it is reality.
Honest question, is this for family coverage, or just EE +1? My premiums for EE+1 on our group plan runs about $8500 a year. I could see a family plan running $1,000 a month.
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Old 07-25-2017, 02:37 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Honest question, is this for family coverage, or just EE +1? My premiums for EE+1 on our group plan runs about $8500 a year. I could see a family plan running $1,000 a month.
Family plan, myself and my children.
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Old 07-25-2017, 07:14 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill


Tort reform was high on Krauthammer's list as well.

I like his proposals a lot.

Regards, Kirk
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Old 07-26-2017, 11:00 AM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Originally Posted by 300 H and H View Post
http://www.youtube.com/watch?v=Cv3ho--J3Yo

Tort reform was high on Krauthammer's list as well.

I like his proposals a lot.

Regards, Kirk
Krauthammer is a smart cookie.
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Old 07-26-2017, 11:53 AM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Krauthammer is a smart cookie.
Tort reform is high on my list of workable solutions, Suits and settlements are responsible for much of health care increases.
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Old 07-26-2017, 01:32 PM
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Default Re: GOP wrestles with soaring deductibles in healthcare bill

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Originally Posted by Surly View Post
Do you get sarcasm? Healthcare costs have increased drastically for decades. Before Obama millions and millions were uninsured and accessed the system in the least efficient ways possible. What part of that do you need to see a study about?
How about the study where premiums went down on average $2,500 per year as promised. How about the one showing where Obamacare delivered high quality, affordable healthcare for everyone? How about one showing ER, the most expensive form of care, declining due to Obamacare?

Oh, how about studies showing the success of the Obamacare clinics, billions in subsidies with 17 having failed already.
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