NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 16:01:01 GMT -5
What do you think?
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❤ mollymouser ❤
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Post by ❤ mollymouser ❤ on Jun 9, 2011 16:03:28 GMT -5
What if I wanted to pay by check or credit card?
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billisonboard
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Post by billisonboard on Jun 9, 2011 16:03:38 GMT -5
chickens
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Politically_Incorrect12
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Post by Politically_Incorrect12 on Jun 9, 2011 16:03:50 GMT -5
We can look at other countries where the majority of healthcare is paid with cash and see....
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 16:04:02 GMT -5
- response to check or credit card.
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Politically_Incorrect12
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Post by Politically_Incorrect12 on Jun 9, 2011 16:05:41 GMT -5
A better question might be "Do you think insurance has helped make healthcare better?" In one sense, higher cost that comes with insurance might tempt more companies to do more R&D, which has lead to breakthroughs in healthcare.
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 16:05:45 GMT -5
We can look at other countries where the majority of healthcare is paid with cash and see.... I think it will be better. Right now I have to wait for 2 months before I can get an appointment with my GP. In the past when there was no health insurance doctors would make same day house calls.
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 16:06:22 GMT -5
A better question might be "Do you think insurance has helped make healthcare better?" In one sense, higher cost that comes with insurance might tempt more companies to do more R&D, which has lead to breakthroughs in healthcare. Pharma companies do not incur higher cost from medical insurance.
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billisonboard
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Post by billisonboard on Jun 9, 2011 16:09:09 GMT -5
"Excuse me ma'am, but could we please stop by an ATM on the way to the hospital. I am not sure I have enough in my wallet in case I end up needing by-pass surgery."
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 16:10:10 GMT -5
"Excuse me ma'am, but could we please stop by an ATM on the way to the hospital. I am not sure I have enough in my wallet in case I end up needing by-pass surgery." Put it on a credit card.
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❤ mollymouser ❤
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Post by ❤ mollymouser ❤ on Jun 9, 2011 16:12:59 GMT -5
ravinglunatic ... I am reasonably sure if you called your doctor's office and offered to pay cash and twice what your insurance pays for an office visit, your doctor might be willing to squeeze you in before 2 months. ;D
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Politically_Incorrect12
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Post by Politically_Incorrect12 on Jun 9, 2011 16:14:25 GMT -5
A better question might be "Do you think insurance has helped make healthcare better?" In one sense, higher cost that comes with insurance might tempt more companies to do more R&D, which has lead to breakthroughs in healthcare. Pharma companies do not incur higher cost from medical insurance. With health insurance, comes a rise in the cost of healthcare, which probably tempts more companies to invest in more R&D. More R&D has lead to better healthcare, or at least more options in dealing with different health issues. I don't feel that we would be as far along in research if it were a cash-only system, so in a way, having health insurance has helped us have better healthcare IMO. Do you think that those pharma companies would have been as willing to do R&D had there not been the same market. Basically with health insurance, more people are able to use the drugs. In a cash-only system, less people would be able to get the drugs, which leads to a smaller market. At some point, it just isn't worth the cost associated with R&D unless there is enough a market to justify it.
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ugonow
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Post by ugonow on Jun 9, 2011 16:25:44 GMT -5
Very true,Incorrect. Unfortunatly all this medical care nonsense... is a needed evil... and no one wants to pay for it.
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cme1201
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Post by cme1201 on Jun 9, 2011 17:08:43 GMT -5
ravinglunatic ... I am reasonably sure if you called your doctor's office and offered to pay cash and twice what your insurance pays for an office visit, your doctor might be willing to squeeze you in before 2 months. ;D If he called and offered to pay cash according to Medicare scale his doctor would get him in before 2 months.
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 17:14:21 GMT -5
ravinglunatic ... I am reasonably sure if you called your doctor's office and offered to pay cash and twice what your insurance pays for an office visit, your doctor might be willing to squeeze you in before 2 months. ;D Why should I have to pay twice?
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 17:17:12 GMT -5
Pharma companies do not incur higher cost from medical insurance. With health insurance, comes a rise in the cost of healthcare, which probably tempts more companies to invest in more R&D. More R&D has lead to better healthcare, or at least more options in dealing with different health issues. I don't feel that we would be as far along in research if it were a cash-only system, so in a way, having health insurance has helped us have better healthcare IMO. Do you think that those pharma companies would have been as willing to do R&D had there not been the same market. Basically with health insurance, more people are able to use the drugs. In a cash-only system, less people would be able to get the drugs, which leads to a smaller market. At some point, it just isn't worth the cost associated with R&D unless there is enough a market to justify it. That argument is a slippery slope. Why not insure the whole world? Then Pharma companies will have even more incentive to do R&D.
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jkapp
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Post by jkapp on Jun 9, 2011 18:15:33 GMT -5
A better question might be "Do you think insurance has helped make healthcare better?" In one sense, higher cost that comes with insurance might tempt more companies to do more R&D, which has lead to breakthroughs in healthcare. Insurance was a good idea when it was conceived...of course like everything else, though, it was destroyed when government butted their way into the game.
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Post by marshabar1 on Jun 9, 2011 18:40:03 GMT -5
Medical care costs less when paid for with cash, check or debit. Insurance has grown out of control, people overuse their coverage, naturally. Paying cash you shop better and make better decisions about what you really need. Probably best if everyone had catastrophic type insurance with a high deductible. Seems like tying coverage with employment and unions might have caused the over Cadillacization of policies to the detriment of all. Should be completely private except for those who meet poverty guidelines. The states should decide on that, oversee those programs and negotiate their own deals with insurance companies. Too much politics in any area of our lives is bad news.
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hello fromWarsaw
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Post by hello fromWarsaw on Jun 9, 2011 18:57:31 GMT -5
Health care and insurance has been OVER regulated? I don't think so...
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 19:06:35 GMT -5
Why not buy your next home for cash while you are at it. Just push a wagon full of hundreds to the door. Of course, any one who could ask this question does not have a clue what major illnesses can cost. I have had several run-ins with surgery and I can tell you, you won't shop around when you are hours from death. Such care can easily take six figure's worth of cash. Will you save it all up from your pin money? I did buy my home for cash. Well, cashier's check anyway. Don't get me started on home loans. How soon people forget the whole mortgage crisis! Yes I know major illnesses cost a lot of money. Many things cost a lot of money. Should everyone have everything?
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 19:07:59 GMT -5
A better question might be "Do you think insurance has helped make healthcare better?" In one sense, higher cost that comes with insurance might tempt more companies to do more R&D, which has lead to breakthroughs in healthcare. Insurance was a good idea when it was conceived...of course like everything else, though, it was destroyed when government butted their way into the game. How was medical insurance a good idea when it was conceived? All it did was drive up demand and hence cost and made getting an appointment impossible. Before medical insurance demand was low as few people could afford proper medical care so the ones that could had superlative care. I would much prefer that situation.
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 19:09:32 GMT -5
Medical care costs less when paid for with cash, check or debit. Insurance has grown out of control, people overuse their coverage, naturally. Paying cash you shop better and make better decisions about what you really need. Probably best if everyone had catastrophic type insurance with a high deductible. Seems like tying coverage with employment and unions might have caused the over Cadillacization of policies to the detriment of all. Should be completely private except for those who meet poverty guidelines. The states should decide on that, oversee those programs and negotiate their own deals with insurance companies. Too much politics in any area of our lives is bad news. I agree, to some extent. I don't see why there should be special medical insurance for the poor. Who pays for it? Taxpayers like ME, that's who. I want my tax dollars back. If you want to fund medical insurance for the poor open a charity.
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 19:10:32 GMT -5
Health care and insurance has been OVER regulated? I don't think so... Not over regulated, but over subscribed. That's because people who can't afford health care are subsidized under the current system.
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Post by lakhota on Jun 9, 2011 19:11:26 GMT -5
You mean no insurance? Wouldn't that defeat the purpose of insurance in the first place?
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 19:13:01 GMT -5
You mean no insurance? Wouldn't that defeat the purpose of insurance in the first place? I do mean no insurance. That would tremendously slow down health care consumption as people won't be able to afford it. That would make more health care available for those that can afford it. Costs will drop as demand will drop. It will be a win-win.
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EVT1
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Post by EVT1 on Jun 9, 2011 20:01:01 GMT -5
Other than the ridiculousness of it- it would definitely bring down costs because a lot of docs would be looking for work. Also pretty hard to specialize in brain surgery when all of a sudden you only get one or two customers a year that can afford you. So much for hospitals too- out of business.
While we are at it lets do away with all insurance- just pay as needed- maybe bring back private police and fire too since social goods force people to pay for something they may not use. Screw everyone- bring back the aristocracy and peasant class. I'm sold- sounds like a lot of fun! Just don't ask what happened when you and the other plutocrats find yourselves staring up at the blade of a guillotine. Heck, you are already going to have your hands full with all of the slums you like living around- since ours will be full of pissed off and armed citizens looking for someone to blame. Let's do it.
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Post by marshabar1 on Jun 9, 2011 20:20:58 GMT -5
I can remember when our family got Blue Cross health insurance. That's when we started going to the doctor. Before that the doctor came to us. Rarely. I think insurance did create an overuse of medical care. To our detriment. Seems like every day there's a new warning about some medication causing organ damage or birth defects, and what on earth besides write prescriptions do doctors spend all day doing? They feel they haven't given you your money's worth if they don't write some kind of scrip.
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 20:24:49 GMT -5
Other than the ridiculousness of it- it would definitely bring down costs because a lot of docs would be looking for work. Also pretty hard to specialize in brain surgery when all of a sudden you only get one or two customers a year that can afford you. So much for hospitals too- out of business. While we are at it lets do away with all insurance- just pay as needed- maybe bring back private police and fire too since social goods force people to pay for something they may not use. Screw everyone- bring back the aristocracy and peasant class. I'm sold- sounds like a lot of fun! Just don't ask what happened when you and the other plutocrats find yourselves staring up at the blade of a guillotine. Heck, you are already going to have your hands full with all of the slums you like living around- since ours will be full of pissed off and armed citizens looking for someone to blame. Let's do it. I don't think an armed citizenry is good for the country.
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handyman2
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Post by handyman2 on Jun 9, 2011 20:28:28 GMT -5
I cannot believe any one on this post believes what they prepose. First medical R&D have absolutely nothing in common with the insurance industry. Cash only would eliminate at least 75% of the healthcare market and make hospitals and doctors a premium if you could find one. The insurance industry is not the problem. People keep hitting on them but look at where healthcare would be without it. Want to go to a cash only system. A sure way to kill healthcare. The insurance programs are what keep hospitals open and doctors in their offices. Insurance companies disappear and so will hospitals and medical professionals. Get serious folks.
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NoMoreLunacy
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Post by NoMoreLunacy on Jun 9, 2011 20:31:00 GMT -5
I cannot believe any one on this post believes what they prepose. First medical R&D have absolutely nothing in common with the insurance industry. Cash only would eliminate at least 75% of the healthcare market and make hospitals and doctors a premium if you could find one. The insurance industry is not the problem. People keep hitting on them but look at where healthcare would be without it. Want to go to a cash only system. A sure way to kill healthcare. The insurance programs are what keep hospitals open and doctors in their offices. Insurance companies disappear and so will hospitals and medical professionals. Get serious folks. There is no insurance for legal services yet there is no shortage of lawyers. Get real. Doctors will still be there when insurance companies disappear.
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