tzor wrote: PLAYER57832 wrote:WRONG... in an ideal world, there would be no insurance, (though I certainly think truly voluntary surgaries like breast implants should be paid for directly, not through tax dollars!) We would all be directly covered through our tax dollars as they are in most countries around the world with great success.
Spoken like a true utopist. (I'll get to that later.)
Actually, that is not the case. I'll skip the "government" and "private" thing for a moment and concentrate on two unalienable facts of the universe.
The first fact is monopolies flat out fail in the long term. Competition, a fancy term for "hey let's use the law of averages" works on the average, where the monopoly only has to fail once and then there is no more. Government systems tend to lean towards monopolies and thus become ineffective over time.
A. everything fails in the
long term. In the meantime, it creates a LOT of harm.
B. to speak of monopolies assumes there is a possibility of a free market or facsimile thereof. That is absolutely not the case for medical care. People cannot know enough to make their own decisions. We need to rely upon doctors who need to be trained to essentially set standards (constantly improving, some variation, but essentially the same). People cannot just hop to whatever medical center they wish, even if there is more than one available.
tzor wrote:Transparency is a second important factor. That's a fundamental element of the free market; you know what you expect from a certain transaction and you know what that transaction is going to cost.
Transparency is fully gauranteed with the government. There is no freedom of information act for companies. In fact, one of the biggest reasons for cost increases is that insurance companies are protected from revealing costs, calculations as propietary information.
tzor wrote: If these don't come into line with your expectations you are not going to buy.
People are not the real customers of healthcare. Insurance companies dictate the prices for care and people without insurance are left to pick up whatever the providers decide to charge. The real customer of insurers is the employer. In the past, employers were happy to get better insurance just like they were happy to pay better wages and mandates ensured that those not fully willing complied anyway. Now... we have not just the uninsured, but the "undersinsured". Expecting a person making under $30,000 to pay several thousand in "co-pays" and "deductables" is not providing real insurance, its a crock.
tzor wrote: Let's take a example of the Chevy Volt. If you compare what you get with what the cost is (even though the goverment rabates you massively) it doesn't add up. (That new Forc hybrid, on the other hand might add up.)
That you wish to equate healthcare with buying a car shows how exactly out of touch with reality you are. Medical care is not a free market item.
tzor wrote:When "other people" (or the taxpayers in general) pay for our operations then "money is no object" (to us) and we all wind up buying those Chevy Volts and discover we are all paying the tab.
The only part of what you have correct is that we are not actually the purchasers of healthcare. It is FOR PROFIT insurance companies who, in the past were not even required to actually cover everyone. Now, they are. THAT is why they are screaming bloody murder. They don't want to have to cover people with pre-existing conditions.. and remember, preexisting conditions means just about ANYTHING. Before, they could stop coverage if you had a gap of even a day in coverage.
tzor wrote:These two facts tend to limit and eventually destroy all "government" run health care systems.
Just wrong. You are talking theories that sound good when you limit real factors.
In truth, other countries have BETTER healthcare systems for most people than ours. We only do better when it comes to the highest end research, but most people here cannot access that, in fact foreigners can have as good or better access than we do in some cases. Further, that mostly government funded research is being cut back and curtailed along with other budget cuts.
tzor wrote:The system comes to a halt through monopoly inefficiencies and the lack oif transparency results in politicians short changing the system to met budget guidelines. Rationing is the norm in single government paying systems, and in some case panels determine who gets treatment and who should just die and open up a bed for someone more needy.
You talk of rationing as if its not happening right now... and in a very insidious an nasty way so that a few people can gain big in their stock portfolio, NOT so that care can be truly maximized for the benefit of the most.
Rationing happens when there are too many people needing limited services. You want to pretend that excluding working people without insurance.. not the real poor, they get Medicaid, but folks like my husband and myself, who had to go without healthcare because we lacked insurance AND who, if it were not for the healthcare reform act would be paying for coverage, but not be covered for much of anything due to pre-existing conditions.
tzor wrote:And before you object, just because A is bad it does not follow that B is good. A solution, on the other hand needs to strongly use the notions of transparency of cost and "competition." Yes, there is a need to help people who cannot afford it. You can think you can trust "goverment" but that is a monopoly. You can instead trust a newtork of charities, because if one starts to get bad, the better ones will get the charity donations instead. Moreover, charity gladens the heart of the giver, while taxes only makes one bitter. In some cases you have to think outside the box; in any case you need to trust the "free market" because, unfortunately, it appears to be the only system that has the potential to actually work.
Here is the truly funny part in your theory. You know who gives more of their income to charity? Its not the rich! AND, there is a direct correlation between the wealthy interacting with "average" and poor people and thir willingness to donate to charities. Far too many wealthy people insulate themselves, believe exactly the types of scenarios you put forward and forget utterly that their theoretical ideas just don'e match what is really happening. The devil is in the details. When you leave your ivory tower books and start looking around, you see that a LOT of "details" turn your theories into idiocy.
tzor wrote:The utopist's ideas are as old as Plato's Republic. The notion that you can create a super class of humans; philopopher kings who can impartially decide what is best for everyone is a total falsehood. You can't empower one person to solve all your problems; you only create a despot.
LOL
Except, a real study of history shows that the success of any society is NOT the health and well being of the wealthy, it is how the average and poor are cared for. The higher the disparity between the rich and poor, the sicker the society and the more quickly it is doomed to failure.
The failure is not a failure of 4 years of a Democrat, it is over 20 years of following Republican policies.