What’s the deal with Iran?

[ficke]

I wonder what would happen to car repair cost if they had repair insurance paid for by employers of the car owners?

Car owner brings car to shop says it makes a noise and pulls to the left when braking. Car owner does not ask how much it cost and the shop owner could not tell him even if the owner wanted to know. Many tests are performed, many parts are replaced and the bill is sent to the insurance company who bills the employer of car owner. Car owner does not care how much it costs, just make it right. Car repair shop owner has little restraint on repair work done and has a lot of incentive to do a lot of work as the insurance co. does not really car how much is spent either. Insurance co. just raises fees to employer of car owner, the more money that goes through a insurance co. hands the more money they make. They like big numbers too.
I think car repair cost would go through the roof if ran like health care system in the US.


Health Insurance is a problem and employer paid health insurance is really bad.
As for Iran, not a real clue on my part.

[Tervuren]

Originally Posted by ficke

I wonder what would happen to car repair cost if they had repair insurance paid for by employers of the car owners?

Car owner brings car to shop says it makes a noise and pulls to the left when braking. Car owner does not ask how much it cost and the shop owner could not tell him even if the owner wanted to know. Many tests are performed, many parts are replaced and the bill is sent to the insurance company who bills the employer of car owner. Car owner does not care how much it costs, just make it right. Car repair shop owner has little restraint on repair work done and has a lot of incentive to do a lot of work as the insurance co. does not really car how much is spent either. Insurance co. just raises fees to employer of car owner, the more money that goes through a insurance co. hands the more money they make. They like big numbers too.
I think car repair cost would go through the roof if ran like health care system in the US.


Health Insurance is a problem and employer paid health insurance is really bad.
As for Iran, not a real clue on my part.

A somewhat decent example.

Although the human body is not as consistent as a car.

When the company I work for shifted its health provisions the break room talk inclined me to believe a lot more responsibility in spending on individual level started taking place.

What changed is we went from part of the premium, and all of the deductible, to all of the premium, but none of the deductible. Suddenly money out of pocket and decision making gets wiser. See a Dr's office instead of an ER for a minor sniffle, etc...

However, a system where you just show up and don't worry about payment is rather worry and responsibility free.

Cajun, I still do not see where we disagree.

[ficke]

Originally Posted by Tervuren

A somewhat decent example.

Although the human body is not as consistent as a car.

When the company I work for shifted its health provisions the break room talk inclined me to believe a lot more responsibility in spending on individual level started taking place.

What changed is we went from part of the premium, and all of the deductible, to all of the premium, but none of the deductible. Suddenly money out of pocket and decision making gets wiser. See a Dr's office instead of an ER for a minor sniffle, etc...

However, a system where you just show up and don't worry about payment is rather worry and responsibility free.

Cajun, I still do not see where we disagree.

Thanks for supporting my point, when the end user has "skin in the game" cost goes down.
The more the end use pays the lower health care cost will go.

[RWebb]

so, based on this thread, we should force the Iranian mullahs into the US healthcare system and extinguish the threat once & fer all

[Tervuren]

Originally Posted by RWebb

so, based on this thread, we should force the Iranian mullahs into the US healthcare system and extinguish the threat once & fer all

That or get them to install windows 95 on everything.

[onewhippedpuppy]

Originally Posted by RWebb

so, based on this thread, we should force the Iranian mullahs into the US healthcare system and extinguish the threat once & fer all

Brilliant!

[GH85Carrera]

Originally Posted by ficke

Thanks for supporting my point, when the end user has "skin in the game" cost goes down.
The more the end use pays the lower health care cost will go.

My insurance company has a slick way to deal with claims. If I have a claim, they are great, and pay like every customer would dream of. If I go for three years with no claim at all, they send me a rebate check. Every year without a claim, I get more money back. A check in the mail money not some unseen price discount, real money. Last year I got a check for just over $1,100. This year it will be more.

I have my house, and three cars insured by them. My 911 cost me about 60 cents per day in insurance with agreed value of 47K. The rates are great, and my neighbor switched to the same company and saved a lot of money on premiums.

My deductible is $500. But if I make a claim, I lose the rebate check for three years. So any claim I make will get paid, but it will cost me the check and the deductible. So if I had something that was going to cost a grand, why even make a claim?

It is a genus plan, and I like it. And yes, I have made claims, and they paid with no fight whatsoever.

[Shaun @ Tru6]

Originally Posted by RWebb

so, based on this thread, we should force the Iranian mullahs into the US healthcare system and extinguish the threat once & fer all

[expatriot98]

Originally Posted by RWebb

so, based on this thread, we should force the Iranian mullahs into the US healthcare system and extinguish the threat once & fer all

They can't afford it.

[dienstuhr]

Originally Posted by ficke

Thanks for supporting my point, when the end user has "skin in the game" cost goes down.
The more the end use pays the lower health care cost will go.

Well, no matter how much the end user pays, a cardiac bypass is never gonna cost $1k, or even $10k. And sometimes you can’t choose not to have healthcare, like you could choose not to fix your car... you get the surgery or you die, and it costs what it costs.

Single payer means that the people in the healthcare system are essentially government employees, and depending on your flavour of system, the govt basically determines what they earn, so in theory at least some costs can be controlled that way...

My point is essentially this: while it’s appropriate for all users to have some skin in the game, there will always be cases where a user cannot just pay their own way. Some procedures are just too expensive and many (most?) people don’t have the savings available to bear the significant cost. So you’re left with two options: private insurance (you seem not to care for that) or a public healthcare system that is not perfect either, but at least doesn’t result in financial calamity for those who are unfortunate enough to require expensive healthcare.

[GH85Carrera]

Originally Posted by dienstuhr

Well, no matter how much the end user pays, a cardiac bypass is never gonna cost $1k, or even $10k. And sometimes you can’t choose not to have healthcare, like you could choose not to fix your car... you get the surgery or you die, and it costs what it costs.

Single payer means that the people in the healthcare system are essentially government employees, and depending on your flavour of system, the govt basically determines what they earn, so in theory at least some costs can be controlled that way...

My point is essentially this: while it’s appropriate for all users to have some skin in the game, there will always be cases where a user cannot just pay their own way. Some procedures are just too expensive and many (most?) people don’t have the savings available to bear the significant cost. So you’re left with two options: private insurance (you seem not to care for that) or a public healthcare system that is not perfect either, but at least doesn’t result in financial calamity for those who are unfortunate enough to require expensive healthcare.

And then you get the overwhelmed healthcare of Canada or Great Brittan a really long wait times for the rationed care. I can't imagine waiting for weeks or months to get a MRI or x-ray. There is no perfect system. We will always have patients like the one in Tobra's thread. We can spend many millions treating him, and it will do nothing to get him to even try a little to get himself healthier or get a job, he is too busy buying meth.

[RWebb]

Originally Posted by dienstuhr

Well, no matter how much the end user pays, a cardiac bypass is never gonna cost $1k, or even $10k. ....

Davinci sez "Never is a long time, bio-person..."

[ficke]

Originally Posted by GH85Carrera

My insurance company has a slick way to deal with claims. If I have a claim, they are great, and pay like every customer would dream of. If I go for three years with no claim at all, they send me a rebate check. Every year without a claim, I get more money back. A check in the mail money not some unseen price discount, real money. Last year I got a check for just over $1,100. This year it will be more.

I have my house, and three cars insured by them. My 911 cost me about 60 cents per day in insurance with agreed value of 47K. The rates are great, and my neighbor switched to the same company and saved a lot of money on premiums.

My deductible is $500. But if I make a claim, I lose the rebate check for three years. So any claim I make will get paid, but it will cost me the check and the deductible. So if I had something that was going to cost a grand, why even make a claim?

It is a genus plan, and I like it. And yes, I have made claims, and they paid with no fight whatsoever.

Great insurance, how does this lower or raise health care costs?

[1990C4S]

Originally Posted by GH85Carrera

And then you get the overwhelmed healthcare of Canada or Great Brittan a really long wait times for the rationed care.

My experience (and I have lived/worked in all three countries, although primarily USA and Canada) is that you wait either way. In the USA my co-workers wait for our insurance company to gather facts then (maybe) approve. In Canada you (sometimes) wait for access.

I have experienced very little waiting in Canada. Doctors are same day if you're actually sick, MRI's are inconvenient times, but typically not more than two weeks, and surgery (when urgent) is immediate.

Very little difference from my perspective. And the Canadians can always pay (either in Canada or the USA).

[oldE]

Originally Posted by GH85Carrera

And then you get the overwhelmed healthcare of Canada or Great Brittan a really long wait times for the rationed care. I can't imagine waiting for weeks or months to get a MRI or x-ray. There is no perfect system. We will always have patients like the one in Tobra's thread. We can spend many millions treating him, and it will do nothing to get him to even try a little to get himself healthier or get a job, he is too busy buying meth.

Wait times for elective surgery can stretch out, but my wife had an appointment to see about jaw pain last week and had the x ray before she left the health center. She got the results that afternoon.
Last year we thought we would have a six week wait for my granddaughter's tonsillectomy but because of a cancelation it was done about ten days after the consult.
I think a lot of the griping about the Canadian health care system is people repeating worst case stories.
But that is only our family 's experience.
Best
Les

[Neilk]

Originally Posted by GH85Carrera

My insurance company has a slick way to deal with claims. If I have a claim, they are great, and pay like every customer would dream of. If I go for three years with no claim at all, they send me a rebate check. Every year without a claim, I get more money back. A check in the mail money not some unseen price discount, real money. Last year I got a check for just over $1,100. This year it will be more.

I have my house, and three cars insured by them. My 911 cost me about 60 cents per day in insurance with agreed value of 47K. The rates are great, and my neighbor switched to the same company and saved a lot of money on premiums.

My deductible is $500. But if I make a claim, I lose the rebate check for three years. So any claim I make will get paid, but it will cost me the check and the deductible. So if I had something that was going to cost a grand, why even make a claim?

It is a genus plan, and I like it. And yes, I have made claims, and they paid with no fight whatsoever.

That sounds good for auto-insurance, but you may get people that hold off on getting needed care towards the end of the year in order to get that rebate check. That could really cost them in the end. Some skin in the game good though.

How about less middle-men. Pharmacy benefit managers and all the various distributors between the manufactures and distributors only raise costs.

[1990C4S]

Why is there no Amazon pharmacy?

[RSBob]

Originally Posted by 1990C4S

Why is there no Amazon pharmacy?

They already have one in the works. Probably will go live later this year.

[Chocaholic]

Originally Posted by GH85Carrera

My insurance company has a slick way to deal with claims. If I have a claim, they are great, and pay like every customer would dream of. If I go for three years with no claim at all, they send me a rebate check. Every year without a claim, I get more money back. A check in the mail money not some unseen price discount, real money. Last year I got a check for just over $1,100. This year it will be more.

I have my house, and three cars insured by them. My 911 cost me about 60 cents per day in insurance with agreed value of 47K. The rates are great, and my neighbor switched to the same company and saved a lot of money on premiums.

My deductible is $500. But if I make a claim, I lose the rebate check for three years. So any claim I make will get paid, but it will cost me the check and the deductible. So if I had something that was going to cost a grand, why even make a claim?

It is a genus plan, and I like it. And yes, I have made claims, and they paid with no fight whatsoever.

Wait...if you file a claim on a car, for example, you lose your rebate check for 3 years. Will they raise your premiums? Most insurance will...significantly even. That alone is incentive to only file catastrophic claims. It’s the reason I always select he highest available deductible.

On the health side, it seems they’re incentivizing you to forego treatment for things that could become far more costly (and dangerous) down the road. Wellness, preventive medicine is important. For example, would you leave your high blood pressure unaddressed to save the rebate?

[Jims5543]

Originally Posted by onewhippedpuppy

I'm self employed. Come to my house and tell me about affordable health care and I'll stab you to death with a spoon.

I literally laughed out loud at this post.

+1

I will use a fork.

I have not had health insurance since 2008 when the prices skyrocketed in anticipation of Obamacare.

All my adult life, being self employed I had health insurance, then the government decided it need to be fixed and broke it forever.