this post was submitted on 03 Nov 2024
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[–] [email protected] 71 points 1 month ago (3 children)

and, overall it would cost about half what we're paying now as a nation for health care.

[–] [email protected] 46 points 1 month ago (1 children)

And the outcomes would be better.

[–] [email protected] 27 points 1 month ago (5 children)

Doctors would actually spend time with patients instead of jumping through hoops for insurance denials. Yes, their staff handles much of it, but there are insurance issues that they end up having to deal with directly, wasting their time.

[–] [email protected] 12 points 1 month ago

Patients could get medical care early on instead of letting medical issues worsen until they become emergencies, which also results in more expensive treatments and worse outcomes

[–] [email protected] 11 points 1 month ago (1 children)

At my last physical my doctor when on a short rant about insurance. Told me that the reason that there is so much burnout and a high suicide rate among medical professionals isn't due to their primary job function, helping people become healthier, it was due to having to deal with insurance companies bullshit.

[–] [email protected] 8 points 1 month ago

It must really suck to be a good hearted doctor in that system. When every incentive is to push unnecessary interventions and you must encounter patients that can't or won't accept your help because it would ruin them or their family financially.

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[–] [email protected] 13 points 1 month ago

And that doesn't even count the extra that people are paying for private insurance. How much the government spends per capita (of the whole country) on healthcare is double what other first world countries pay even though in the USA it only covers a third of US citizens.

[–] [email protected] 5 points 1 month ago

Won't anyone think of the poor billionaire shareholders??

[–] [email protected] 62 points 1 month ago (5 children)

And insurance companies add nothing to healthcare. They contribute nothing. They streamline nothing. And THEY are the ones who make your health care decisions for you, NOT your doctor.

Got a back problem that could be easily fixed by surgury? Well screw that, insurance isn't paying for that. But they'll be happy to put you on painkillers for the rest of your life so you'll be stuck in a parasitic relationship where you have pay them forever to afford your pain meds.

They only exist to transfer wealth from sick, financially vulnerable people to the billionaire class.

[–] [email protected] 24 points 1 month ago* (last edited 1 month ago) (1 children)

And it's also bad science and bad philosophy.

Insurance works on probabilities. They pick the most likely outcome based on old population studies (not current ones - so they lag behind epidemics). This means that if you have a pet alligator, and it bit off your toe, insurance would disbelieve you and would say the accident was most likely from a vehicle or tool, and then wouldn't treat you for salmonella or other concerns from an alligator bite because that's unlikely to occur in the general population. Even though that's literally what happened here.

So the way they practice medicine is stupid and bad. It should also be illegal, because to practice medicine you're by law suppose to have a doctor patient relationship. I've never met the doctors at my insurance company. So how can they prescribe (including deny) treatment for me?

Further, I have privacy concerns with insurance companies as well. I don't want them to have all my medical information. I don't want them to code my information in a way that benefits their insurance system but isn't accurate to my actual diagnosis.

I want to go into a doctor and actually be treated by that fucking doctor.

Remember when they said socialized healthcare stops you from seeing the doctor you want? Well our current system, in all its justice, let's me see the doctor I want, pay her, and then I can't get the treatments she recommends because they aren't approved by an anonymous third doctor at my insurance I didnt choose and never met. Lol. Fml.

[–] [email protected] 11 points 1 month ago* (last edited 1 month ago) (1 children)

I don’t want them to code my information in a way that benefits their insurance system but isn’t accurate to my actual diagnosis.

My fiancee has been dealing with this for like 2 years. She got a relatively simple bloodwork panel done, and the NP who ordered it fucked up the code/paperwork for it by labeling it as something more expensive than it actually was, which resulted in the insurance not covering it, which resulted in a $1k bill for what should have been a $20 test.

The bill was sent to collections, and they were told that the bill was erroneous because the NP fucked up the paperwork. They're still calling 2 years later. They don't seem to get the hint that my fiancee is disabled, has no wages, and no way to pay it*, and therefore they ain't getting shit.

* Fortunately it is within my means to pay for it for her, but she has no wages for them to garnish, they can't mess with her credit score over it, and so they have no pathway to do any harm for failure to pay. So fuck em.

[–] [email protected] 9 points 1 month ago

I have random genetic diagnoses on my chart because my doctor lied to my insurance to get a test approved. I can't rat her out because I did really need the test but yeah it's a nightmare

[–] [email protected] 19 points 1 month ago

The succinct way to describe it is that every dollar earned in profit by a health insurance company is a dollar that was spent on health care for which no healthcare was delivered. Their profits are literally just inefficiency in the system, and they're directly incentivized to maximize that inefficiency.

[–] [email protected] 5 points 1 month ago

And insurance companies add nothing to healthcare. They contribute nothing.

They give me a pile of paperwork and an illusion of choice. What more could I ask for?

[–] [email protected] 4 points 1 month ago

I'm currently fighting a bill because insurance doesn't like who gave the diagnosis. The diagnosis isn't wrong, it's actively being treated, they just think the wrong doctor gave it. Dealing with insurance is a huge pain in the ass for no reason except to enrich the insurance companies. They add no value to society.

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[–] [email protected] 57 points 1 month ago* (last edited 1 month ago) (5 children)

I showed this to my mom, and her reply was “but that socialism!” And promptly hung up on me.

Some people are so stupid and stubborn that they would rather be bilked by conmen than to actually get the care they need, affordably.

That’s kind of bullshit we’re dealing with.

[–] [email protected] 42 points 1 month ago

Don’t try to explain public roads, bridges, dams, water & sewerage, police, fire brigades or the military to her.. she might just have an aneurysm.

[–] [email protected] 24 points 1 month ago (1 children)

"so, mom, you'd rather i die than receive affordable health care?"

[–] [email protected] 22 points 1 month ago

She’s rich, so all of that will never affect her. But she sure as shit would rather I die and every other one of “the poors” than to pay even one penny more in taxes.

[–] [email protected] 16 points 1 month ago (1 children)

Insurance IS socialism. By definition. The only difference is who holds the money from the group to pay out claims. In one, it's the government which has an incentive to keep costs low across the board. The other it is a private company trying to make as much profit as possible.

[–] [email protected] 5 points 1 month ago

The bullshit part is how many people think socialism is wrong or evil. It's just an approach where the people work together to provide a service where the focus is the service itself rather than anyone getting rich from the service.

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[–] [email protected] 48 points 1 month ago

US healthcare is extortion

[–] [email protected] 40 points 1 month ago* (last edited 1 month ago) (2 children)

Think of the knock off effects of universal health care beyond paying less.

you would not be tied to a shitty job anymore - your ability to quit and move to another company becomes easier

You could quit your job and start your own company since now you don't have to worry about medical bankruptcy

Or maybe you live a minimal enough of a life that you could quit your job that you have only because of the health insurance and go do something that is fulfilling to you?

[–] [email protected] 6 points 1 month ago (6 children)

A huge reason that I took the job I have now is because they let me start my health insurance plan asap. It was supposed to be after 3 months but I just asked nice and they didn't hesitate to agree even without my whole spcheil. I have a wife and a son, at the time my wife was still going through some post pregnancy health issues and my son was going through some stuff that required regular visits. I turned down some cushy jobs solely because they wanted me to wait 3-6 months to be insured, which I get from a business perspective, but what the actual fuck? It took me a while to switch jobs for that reason alone. I guess it's a good indicator of a company that has common sense/common decency.

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[–] [email protected] 38 points 1 month ago* (last edited 1 month ago) (3 children)

Really USA, how does anyone pretend this is OK?

[–] [email protected] 9 points 1 month ago

Really USA, how does anyone pretend this is OK?

We pretend a LOT of things are OK.

  • School shootings comes to mind.
  • laws around what women can do with their own bodies.
  • Sacrifice of the environment for industry, all in the name of "jobs".
  • Starvation.
  • Politicians and presidents doing obviously illegal stuff and citizens unable to do anything about it.
  • American military killing with abandon all over the world.
  • Police brutality and systematic violations of our rights, with little to no accountability.
  • Our standards for clean food being less than everyone elses.
  • Religious supremacy being tolerated, even encouraged. (Fuck your moments of silence, fuck your thoughts and prayers, fuck your pledges of allegience too while we're at it)
  • controlled media.
  • Book banning.
  • the "war" on drugs when other methods would have been much more effective.
  • whistleblower protections dismantled.
  • violence against protesters, and the existence of "protest zones" which disallows protests entirely in most areas.
  • continual threats of violence and domestic terrorism by the political right, never with any accountability.
  • oppression of anyone who says they are anti-fascist (antifa).
  • a political system complteely captured by bribery and foreign interests, with ~1% correlation to what citizens want. There is no representation in "representitive democracy" here. Its all a big joke. We're barely even a "republic" anymore.

And its not all republicans doing it-- although much more them than the dems-- although the dems are sliding really far rightward pretty quickly and its hard to see how it ever will be allowed to go back left.

[–] [email protected] 6 points 1 month ago (2 children)

Its not OK and we need to nationalize healthcare now. But much of that above graph is also associated with the obesity epedemic and the nutritional collapse (or caloric inflation) of the western diet. Government definitely has a role in that, but its much trickier than obliterating the medical insurance industry (which of course is also tricky).

[–] [email protected] 5 points 1 month ago

All but one Western countries are in those normal countries to the left of the graph.

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[–] [email protected] 35 points 1 month ago

When I was in grad school, I went to a conference in Portugal. One of the other American grad students slipped on a paving stone and bust his leg. It wasn't that bad, but he was freaking out because he had no idea how European insurance worked and he was afraid he'd be in serious debt. Everyone at the hospital thought that was hilarious. Why would getting hurt put you in debt? They patched him up for no charge. In theory he could have gone to some office and made a modest payment, but nobody was going to actually make him do that.

[–] [email protected] 32 points 1 month ago (1 children)

It's got to end soon, or we're well screwed.

My insurance payment + my jobs contribution (can't say whether or not they lie on the form about their share) is over a thousand per month. And I still have co-pays and shit that isn't covered. I've had a couple of X-rays and and a sling this year. I'm probably out another $2k on top of my insurance. It would be much cheaper for me to pay out of pocket and save the difference for a rainy day.

Fuck the entire insurance industry.

[–] [email protected] 11 points 1 month ago

And the concept of tying it to employment is not only idiotic and nonsensical, but actually pretty devious.

[–] [email protected] 17 points 1 month ago (1 children)

I live in Sweden, had a surgery for a back problem. From first consultation to surgery 5 weeks. Total cost: $50, that includes surgery, prescribed meds, food while admitted.

[–] [email protected] 4 points 1 month ago

May I ask what the money paid for exactly? Here in Spain it's only meds that we would pay for (and not even if you're low income and entitled to government money), everything else is 100 % free

[–] [email protected] 10 points 1 month ago* (last edited 1 month ago)

The US Healthcare system is meant to police disability, because we live in a giant work camp. That's its whole function.

[–] [email protected] 9 points 1 month ago* (last edited 1 month ago)

Accurate portrayal of Joe Lieberman in that pic. Didn’t feel bad when that dude died. The cherry on top would have been if he’d had tons of medical debt when he went, but I’m sure he still had million in the bank from all that lobby loot.

[–] [email protected] 8 points 1 month ago (2 children)

No copays is not necessarily true.

Back in Australia it was a flat $35 for a PCP visit. A $35 office visit copay with 100% coverage and no deductible is functionally the same.

Our healthcare here in the US is a brutal costly joke. It instantly disproves any claims that our leaders make to care about the welfare of US citizens.

[–] [email protected] 6 points 1 month ago

TL;DR: AU isn’t a good model to base change off. Expensive and scammy.

Not sure what a PCP is, but before I left AU earlier this year, my GP visits were ~AU$100 with a $40 rebate. Private healthcare cannot cover the $60 gap by law, along with a host of other specialists and scans. It felt like a massive scam to have private health. Yes there are free clinics you can go to (“Bulk Billing”), but in my experience because they were always overworked and understaffed, the standard of care wasn’t as good. Plus it was hard to see the same doctor regularly, so you waste more of everyone’s time going over your medical history.

Compare that to Germany, I decided to go with public health here, which comes directly out of my paycheque. It’s expensive, but I don’t see that money and I can go to basically any (English speaking) doctor here, pay nothing for the appointment, and prescriptions are 5 or 10€ (only had one so far, can’t remember the exact cost). Standard of care feels much more in line with the private care of AU. I know there are some scans and blood tests I may need to pay for, but nothing feels scammy so far.

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[–] [email protected] 6 points 1 month ago

Fuckingcapitalists

[–] [email protected] 6 points 1 month ago

In most of the world it was decide that being healthy was a human right

Only in America has it been declared a luxury.

If you can't afford it, you shouldn't have it

[–] [email protected] 5 points 1 month ago (1 children)

This could probably be paid in full by lowering military budget by a tiny fraction.

[–] [email protected] 9 points 1 month ago* (last edited 1 month ago) (1 children)

We would save about 45% of what we pay now. We could increase the military budget. Universal healthcare literally pays for itself.

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[–] [email protected] 5 points 1 month ago

It's also a way to make sure people don't leave crappy jobs or, even worse, start their own businesses that might compete against the already established ones.

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