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Impulse Rxn
 
Trade liberty for pragmatism?

So, Obamacare is passed. I, generally speaking, have no problem with that. I think that the primary components are sound and honestly already implemented in Massachusetts anyway (parents healthcare til 26 (except for self-insured plans,) no prior condition clause, etc.) I'm not against socializing healthcare, I actually think it might not be a bad idea (even though I'm a pretty dyed-in libretarian,) this half-assed system we have for health insurance is garbage. There's little to no cost control, malpractice suits have necessitated that practitioners over prescribe tests and examinations to exonerate themselves, and such a substantial portion of medicare costs are spent on entirely preventable conditions, it makes me sick.

Here's my primary gripe with health insurance: Because it's a hybrid system (the Government is mandating that you have it (or pay a fee,) the Government is basically creating a necessity for a private enterprise. Because there are income limits on medicaid (which I am significantly above,) you have to seek the solution in the private market. There are some cost caps in the private market, but it's one of the few industries where the likelihood that you use the service is largely disconnected from the premium you're required to pay.) There are premium deviations, absolutely, but they're way out of touch with reality. I'm the perfect example:

I'm 25 and in the military reservers (I have tricare, but I also have a private plan through BCBS, who I work for on the civilian side.) I am basically a "picture" of perfect health- excellent physical shape, never smoked, no drugs, and drink only socially- I have no history of illness, no family predisposition towards genetic indicators of illness, and visit the doctors once a year for routine bloodwork to make sure there's nothing creeping up on me. I've never broken a bone, never had any kind of immunodisease, except for a cold once every couple of years, I don't ever get sick. Realistically, I only require catastrophic coverage in the event of something completely unpredictable and random- otherwise, I have marginal insurance (car insurance for accidents, etc.) Why, then, would a BASIC health insurance plan cost me almost 400$ a month (and not provide ANY benefits until I pay a sizable deductible?)

Unless I get catastrophically ill (again- there's the call for national, automatic catastrophic coverage,) I NEED TO (according to the mandate- or else I pay the fee,) shell out FOUR GRAND a year when, in the last 5 years, I've used maybe $1000 in services. If the Gvmt could tax me a little bit for catastrophic coverage (and with an insurance pool that large I can't imagine the tax would be that huge,) and pay out of pocket for the services I chose to use.

Here's the problem: Because the uninsured/underinsured pool is so large, and because medical bills are sometimes "uncollectable," you have legions of people that go to the ER because of a strep throat (can't get a PCP visit, don't have a PCP, don't have health insurance,) and rack up a $2000 charge, when realistically they should eat the $100 OOP cost and go to a CVS minute clinic. In exchange, somebody in excellent health, like myself, is being made to buy a plan I truly don't need (and I realize that nobody "needs" health insurance until they get sick- that's why I'm advocating for nationalized catastrophic care and everything else is "a la carte" in the private industry.

My problem is that a SIGNIFICANT amount of my premium dollars are going towards Obesity Management, statin prescriptions for lifestyle-induced cholestrol problems, treatment of choice-cancers (like some lung cancer and liver disease,) dialysis, and a host of maladies brought on by poor life choices. I'm not unsympathetic- my father has lung cancer and I would never want to see him denied the care he needs, but I'm not delusional: that lung cancer was brought on by a lifetime of destructive decisions that nobody forced him into. Working for BCBS, I see MILLIONS of dollars in claims go towards obesity management and diabetes-related care. Now, obviously not all of this is endemic of poor lifestyle choices, and there needs to be a consideration for that, but that's not the case for the majority of such spending. What I'm saying is this: If I'm going to contribute to a national insurance pool, I want there to be controls. As a libertarian, that's my worst nightmare, but I also don't want to be subsidizing stomach staples for Donna McCheeseburger. The implementation is a half-assed approach without proper cost controls. You want to see health care costs drop? Universal coverage is a stopgap measure, but the costs will not drop- a holistic approach to preventive medicine and inculcating a lifestyle of fitness and positive life choices into American culture is the only way that that will ever happen.
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Old 07-02-2012, 01:08 PM Impulse Rxn is offline  
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edplayer
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Quote:
Originally Posted by Impulse Rxn View Post
a holistic approach to preventive medicine and inculcating a lifestyle of fitness and positive life choices into American culture is the only way that that will ever happen.



genmayers don't go for that

You are speaking to a 99 cheeseburger crowd.
Old 07-02-2012, 01:16 PM edplayer is offline  
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Impulse Rxn
 
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genmayers don't go for that

You are speaking to a 99 cheeseburger crowd.

That's kind of the problem, yeah? We're in a culture that has such an awkward approach to real fitness. There are like 3 type of people that work out in my gym. One, the people that don't have a ton of free time and legitimately maximize their workout efforts, every time- I'm like this. Two- the type of people that get a decent workout, but don't make the adjustments to their life that make them holistically healthy, and three- the type of people that do a 10 minute 3.0 walk, five minutes on a machine, pat themselves on the back, and call it a day- but a year later aren't any healthier and wasted 300$ on a gym membership.
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Old 07-02-2012, 01:20 PM Impulse Rxn is offline  
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Xcric
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Quote:
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genmayers don't go for that

You are speaking to a 99 cheeseburger crowd.

CHEESEBURGERS?!?!?!??@!?!
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Old 07-02-2012, 04:20 PM Xcric is offline  
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Vote McCain!
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Originally Posted by Impulse Rxn View Post
That's kind of the problem, yeah? We're in a culture that has such an awkward approach to real fitness. There are like 3 type of people that work out in my gym. One, the people that don't have a ton of free time and legitimately maximize their workout efforts, every time- I'm like this. Two- the type of people that get a decent workout, but don't make the adjustments to their life that make them holistically healthy, and three- the type of people that do a 10 minute 3.0 walk, five minutes on a machine, pat themselves on the back, and call it a day- but a year later aren't any healthier and wasted 300$ on a gym membership.

you have to drill it into them as kids; create healthy habits when they are young and they are less likely to engage in behaviors that are unhealthy (or at least do them in moderation)
Old 07-03-2012, 01:09 PM Vote McCain! is offline  
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edplayer
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you have to drill it into them as kids; create healthy habits when they are young and they are less likely to engage in behaviors that are unhealthy (or at least do them in moderation)


but most parents understand a lot about health. The government is also doing very little to change that.
Old 07-03-2012, 02:41 PM edplayer is offline  
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TUT RAGE!!!
 
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how about we trade you're balls for hippie s?
Old 07-03-2012, 02:50 PM TUT RAGE!!! is offline  
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Redrum
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national socialism is the most superior form of government known to man
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Old 07-03-2012, 03:22 PM Redrum is offline  
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Vote McCain!
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but most parents understand a lot about health. The government is also doing very little to change that.

A lot of parents think they understand a lot about health.
Old 07-05-2012, 01:48 PM Vote McCain! is offline  
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edplayer
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A lot of parents think they understand a lot about health.


ah, sorry! I meant they don't understand a lot about health.

and in the first post I mean 99 cent cheeseburger crowd. Not those that eat 99 cheeseburgers at a time.
Old 07-05-2012, 09:33 PM edplayer is offline  
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Impulse Rxn
 
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A lot of parents think they understand a lot about health.

TSRH. "Part of a balanced breakfast, lucky charms every day!"
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Old 07-08-2012, 08:48 PM Impulse Rxn is offline  
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tylergage
 
Today, revisionists are trying to push different interpretations of the nation's birth. But let them talk. The FBI will nail them as terrorists if they talk about the Constitution. Issues are for amusement purposes only. Political power is the only reality.

The practical politician recognizes this and acts accordingly.
Old 07-11-2012, 07:59 PM tylergage is offline  
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Vote McCain!
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Today, revisionists are trying to push different interpretations of the nation's birth. But let them talk. The FBI will nail them as terrorists if they talk about the Constitution. Issues are for amusement purposes only. Political power is the only reality.

The practical politician recognizes this and acts accordingly.

Old 07-12-2012, 12:35 PM Vote McCain! is offline  
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