OT: Medical increases for the year

[ocrenter]

[quote=SD Transplant]I just found out my medical cost increase for 2010 is about 25% higher. This crap never stops……last year it was up by about 24%.[/quote]

the good news is you will be getting 25% better care. NOT…

[an]

Coverage stayed the same and out of pocket premium stayed about the same as well.

[an]

Coverage stayed the same and out of pocket premium stayed about the same as well.

[an]

Coverage stayed the same and out of pocket premium stayed about the same as well.

[an]

Coverage stayed the same and out of pocket premium stayed about the same as well.

[an]

Coverage stayed the same and out of pocket premium stayed about the same as well.

[briansd1]

To me, the current concept of medical insurance is to keep on feeding the Medical Industrial Complex.

I never go to the doctor. I would rather the employer give me the money so that I can buy my own health care.

I think that it would be better if the government would guarantee everyone a $5,000 per year medical spending account. Anything above that would have to be paid out of pocket. Anything over $50,000 would be picked up by catastrophic insurance.

Families could pool their $5,000 allowances and the unused portion, up to $1,000, would be refundable.

That way, people would self-ration their own medical usage and bargain for the best prices.

Employers would be completely out of providing insurance to employees and can redirect that money to higher salaries.

[briansd1]

To me, the current concept of medical insurance is to keep on feeding the Medical Industrial Complex.

I never go to the doctor. I would rather the employer give me the money so that I can buy my own health care.

I think that it would be better if the government would guarantee everyone a $5,000 per year medical spending account. Anything above that would have to be paid out of pocket. Anything over $50,000 would be picked up by catastrophic insurance.

Families could pool their $5,000 allowances and the unused portion, up to $1,000, would be refundable.

That way, people would self-ration their own medical usage and bargain for the best prices.

Employers would be completely out of providing insurance to employees and can redirect that money to higher salaries.

[briansd1]

To me, the current concept of medical insurance is to keep on feeding the Medical Industrial Complex.

I never go to the doctor. I would rather the employer give me the money so that I can buy my own health care.

I think that it would be better if the government would guarantee everyone a $5,000 per year medical spending account. Anything above that would have to be paid out of pocket. Anything over $50,000 would be picked up by catastrophic insurance.

Families could pool their $5,000 allowances and the unused portion, up to $1,000, would be refundable.

That way, people would self-ration their own medical usage and bargain for the best prices.

Employers would be completely out of providing insurance to employees and can redirect that money to higher salaries.

[briansd1]

To me, the current concept of medical insurance is to keep on feeding the Medical Industrial Complex.

I never go to the doctor. I would rather the employer give me the money so that I can buy my own health care.

I think that it would be better if the government would guarantee everyone a $5,000 per year medical spending account. Anything above that would have to be paid out of pocket. Anything over $50,000 would be picked up by catastrophic insurance.

Families could pool their $5,000 allowances and the unused portion, up to $1,000, would be refundable.

That way, people would self-ration their own medical usage and bargain for the best prices.

Employers would be completely out of providing insurance to employees and can redirect that money to higher salaries.

[briansd1]

To me, the current concept of medical insurance is to keep on feeding the Medical Industrial Complex.

I never go to the doctor. I would rather the employer give me the money so that I can buy my own health care.

I think that it would be better if the government would guarantee everyone a $5,000 per year medical spending account. Anything above that would have to be paid out of pocket. Anything over $50,000 would be picked up by catastrophic insurance.

Families could pool their $5,000 allowances and the unused portion, up to $1,000, would be refundable.

That way, people would self-ration their own medical usage and bargain for the best prices.

Employers would be completely out of providing insurance to employees and can redirect that money to higher salaries.

[ocrenter]

we live in a litigious society. we also live in a consumer is always right society.

the combination applied to medicine is therefore ALL doctors must be RIGHT 100% of the time. they also need to keep the patients happy by giving them what they demand.

how do doctors make sure they are RIGHT 100% of the time? they order tests, lots of them. they also give in to patients who want the newest (and therefore priciest) medication that was just advertised on TV.

the end result is the cost keeps going up, and the premium keeps rising.

Here’s the example:

let’s take 10 people showing up with cough in America. that 10 people will all get chest x-rays because the doctors don’t dare miss anything. 3 out of the 10 will have an incidental finding on the chest x-ray that will require CT scan, 1 will need the CT scan repeated 2 or 3 times to ensure it is nothing. nothing was found but that’s 10 chest x-rays, and 5 CT scans.

take the same 10 people showing up with cough in Taiwan. all told most likely cough would just go away. 2 comes back with the cough after a couple of weeks, those are the 2 that gets the chest x-ray. having only had 2 chest x-rays done, there are fewer incidental findings, no CT scan had to be done.

the result? the American gets more radiation, and the American then goes on a blog to complaint that his insurance premium is going up by another 24% this next year.

[ocrenter]

we live in a litigious society. we also live in a consumer is always right society.

the combination applied to medicine is therefore ALL doctors must be RIGHT 100% of the time. they also need to keep the patients happy by giving them what they demand.

how do doctors make sure they are RIGHT 100% of the time? they order tests, lots of them. they also give in to patients who want the newest (and therefore priciest) medication that was just advertised on TV.

the end result is the cost keeps going up, and the premium keeps rising.

Here’s the example:

let’s take 10 people showing up with cough in America. that 10 people will all get chest x-rays because the doctors don’t dare miss anything. 3 out of the 10 will have an incidental finding on the chest x-ray that will require CT scan, 1 will need the CT scan repeated 2 or 3 times to ensure it is nothing. nothing was found but that’s 10 chest x-rays, and 5 CT scans.

take the same 10 people showing up with cough in Taiwan. all told most likely cough would just go away. 2 comes back with the cough after a couple of weeks, those are the 2 that gets the chest x-ray. having only had 2 chest x-rays done, there are fewer incidental findings, no CT scan had to be done.

the result? the American gets more radiation, and the American then goes on a blog to complaint that his insurance premium is going up by another 24% this next year.

[ocrenter]

we live in a litigious society. we also live in a consumer is always right society.

the combination applied to medicine is therefore ALL doctors must be RIGHT 100% of the time. they also need to keep the patients happy by giving them what they demand.

how do doctors make sure they are RIGHT 100% of the time? they order tests, lots of them. they also give in to patients who want the newest (and therefore priciest) medication that was just advertised on TV.

the end result is the cost keeps going up, and the premium keeps rising.

Here’s the example:

let’s take 10 people showing up with cough in America. that 10 people will all get chest x-rays because the doctors don’t dare miss anything. 3 out of the 10 will have an incidental finding on the chest x-ray that will require CT scan, 1 will need the CT scan repeated 2 or 3 times to ensure it is nothing. nothing was found but that’s 10 chest x-rays, and 5 CT scans.

take the same 10 people showing up with cough in Taiwan. all told most likely cough would just go away. 2 comes back with the cough after a couple of weeks, those are the 2 that gets the chest x-ray. having only had 2 chest x-rays done, there are fewer incidental findings, no CT scan had to be done.

the result? the American gets more radiation, and the American then goes on a blog to complaint that his insurance premium is going up by another 24% this next year.

[ocrenter]

we live in a litigious society. we also live in a consumer is always right society.

the combination applied to medicine is therefore ALL doctors must be RIGHT 100% of the time. they also need to keep the patients happy by giving them what they demand.

how do doctors make sure they are RIGHT 100% of the time? they order tests, lots of them. they also give in to patients who want the newest (and therefore priciest) medication that was just advertised on TV.

the end result is the cost keeps going up, and the premium keeps rising.

Here’s the example:

let’s take 10 people showing up with cough in America. that 10 people will all get chest x-rays because the doctors don’t dare miss anything. 3 out of the 10 will have an incidental finding on the chest x-ray that will require CT scan, 1 will need the CT scan repeated 2 or 3 times to ensure it is nothing. nothing was found but that’s 10 chest x-rays, and 5 CT scans.

take the same 10 people showing up with cough in Taiwan. all told most likely cough would just go away. 2 comes back with the cough after a couple of weeks, those are the 2 that gets the chest x-ray. having only had 2 chest x-rays done, there are fewer incidental findings, no CT scan had to be done.

the result? the American gets more radiation, and the American then goes on a blog to complaint that his insurance premium is going up by another 24% this next year.

[Author]

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