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  1. #1
    Join Date
    Jun 2006
    Location
    SW MO.
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    5,218

    How to fix healthcare

    This is just my opinion but I believe it will work and would be the best solution to the rising costs and the answer to those uninsured.

    There was a time when I was paying $900 for health insurance just for my wife and 2 kids. That didn't even include me. That was as much as a house payment. Ridiculous. No wonder people don't want to buy health insurance.

    Here's my plan. It's pretty simple. Hospitals need to offer their own medical plans. There is a walk in clinic here in town that does this. http://www.fmwic.com/affordable-heal...mberships.html

    Instead of us giving all of our money to third party (insurance) companies and the hospitals losing money to these same (insurance) companies we could keep more of our money and the hospitals would take in more offering medical plans.


    For example, a person could pay the hospital $50 a month/ $200 for a family. $35 co pay 10% deductible and all prescriptions could be filled in house for less than other pharmacies. just my
    Discipline your child so that other parents don't have to.

    We're awl pawthetic and kweepy and can't get giwrls. That's why we fight wobots.

  2. #2
    Join Date
    Jan 2001
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    8,232
    What does this walk in clinic do when you have a heart attack or stroke or some other major problem....

    Most insurance....if not all that I am aware of now...covers these catastrophic events...

    With the memberships at places like the one you linked too...... you would be sol if something major happened and you needed surgery and or hospitalization.

  3. #3
    Join Date
    Jun 2006
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    SW MO.
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    Quote Originally Posted by corny View Post
    What does this walk in clinic do when you have a heart attack or stroke or some other major problem....

    Most insurance....if not all that I am aware of now...covers these catastrophic events...

    With the memberships at places like the one you linked too...... you would be sol if something major happened and you needed surgery and or hospitalization.
    I was talking about hospitals. I only used that clinic as an example.
    This could be done on a larger scale with a little higher premium and deductible.

    We need to cut out the middle man. Insurance companies rip us off and the hospitals. That's why they charge $8 an aspirin. So when the Insurance co. only pay them $1they breaking even or profit a little.

    We just need to cut out the middle man.
    Discipline your child so that other parents don't have to.

    We're awl pawthetic and kweepy and can't get giwrls. That's why we fight wobots.

  4. #4
    Join Date
    Feb 2009
    Location
    Canada
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    6,876
    Quote Originally Posted by chaard View Post
    I was talking about hospitals. I only used that clinic as an example.
    This could be done on a larger scale with a little higher premium and deductible.

    We need to cut out the middle man. Insurance companies rip us off and the hospitals. That's why they charge $8 an aspirin. So when the Insurance co. only pay them $1they breaking even or profit a little.

    We just need to cut out the middle man.
    We cut out the middle man a long time ago up here.
    Never argue with a fool, onlookers may not be able to tell the difference. —Mark Twain

  5. #5
    Join Date
    Mar 2004
    Location
    SE Michigan
    Posts
    18,207
    I like the simplicity of it.......stupid insurance companies!
    To put the world in order, we must first put the nation in order; to put the nation in order, we must put the family in order; to put the family in order, we must cultivate our personal life; and to cultivate our personal life, we must first set our hearts right.
    -- Confucius

  6. #6
    Join Date
    Apr 2012
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    Paper Street Soap Company
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    Quote Originally Posted by chaard View Post
    I was talking about hospitals. I only used that clinic as an example.
    This could be done on a larger scale with a little higher premium and deductible.

    We need to cut out the middle man. Insurance companies rip us off and the hospitals. That's why they charge $8 an aspirin. So when the Insurance co. only pay them $1they breaking even or profit a little.

    We just need to cut out the middle man.

    Hospitals and Insurance companies are not evil or greedy.
    The reason you pay 8 bux for an aspirin is because of price shifting.

    Your paying fir the multitudes of illegal immigrants and people who have no insurance who enter into a ER knowing that its against the law for them not to treat you.

    You want to blame someone blame the.politicians both D and R that let 20 million peiple spill across our borders uninvited.

  7. #7
    Join Date
    Jun 2006
    Location
    SW MO.
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    Quote Originally Posted by commtech77 View Post
    Hospitals and Insurance companies are not evil or greedy.
    The reason you pay 8 bux for an aspirin is because of price shifting.

    Your paying fir the multitudes of illegal immigrants and people who have no insurance who enter into a ER knowing that its against the law for them not to treat you.

    You want to blame someone blame the
    Politicians both D and R that let 20 million peiple spill across our borders uninvited.
    My post wasn't about placing blame or illegals. The second half of your comment brings up a whole nother issue that needs to be addressed elsewhere. But since you brought it up, illegals could buy into this same medical plan I proposed. The less illegals and uninsured we have taxing the system the cheaper it will get.
    Discipline your child so that other parents don't have to.

    We're awl pawthetic and kweepy and can't get giwrls. That's why we fight wobots.

  8. #8
    Join Date
    Dec 2000
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    I'm an old cowhand from the Rio Grande
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    17,089
    Quote Originally Posted by commtech77 View Post
    Hospitals and Insurance companies are not evil or greedy.
    The reason you pay 8 bux for an aspirin is because of price shifting.

    Your paying fir the multitudes of illegal immigrants and people who have no insurance who enter into a ER knowing that its against the law for them not to treat you.

    You want to blame someone blame the.politicians both D and R that let 20 million peiple spill across our borders uninvited.
    Illegal immigration has dropped by almost 2/3 in the past ten years yet healthcare costs have risen significantly during the same period.
    Gods are fragile things; they may be killed by a whiff of science or a dose of common sense.

    Chapman Cohen

  9. #9
    Join Date
    Mar 2008
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    Long Beach, CA
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    Quote Originally Posted by geerair View Post
    Illegal immigration has dropped by almost 2/3 in the past ten years yet healthcare costs have risen significantly during the same period.
    But over 90% of them are still here and more broke than ever.

    Less people have insurance and fewer people have to cash to settle up with the hospitals.

    And, more people are apt to hold onto their last few dollars rather than handing it over to the hospitals. They’d rather go BK.

  10. #10
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    Quote Originally Posted by geerair View Post
    Illegal immigration has dropped by almost 2/3 in the past ten years yet healthcare costs have risen significantly during the same period.
    Data please. Links ? Anything ?

    So assuming your numbers are correct hundreds of thousands are still entering the S illegally.

    It just mwans the influx has slowed.

    A coue of years ago Dallas biggest hospital, Parkland reported 2/3 of chilsrwn norn in itsaternity were from illegal immigrants.

  11. #11
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    Jan 2009
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    Gulf Coast
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    729
    Quote Originally Posted by geerair View Post
    Illegal immigration has dropped by almost 2/3 in the past ten years yet healthcare costs have risen significantly during the same period.
    There are 20 million plus still here, maybe the rate of them coming has dropped but the vast amount of illegals are still here and are still a burden on gov't furnished services and healthcare!

    If you cut that by 2/3, imagine the effect on healthcare costs!!!

    Also, even if we did cut out the middle man (insurance companies) you still have the cost of litigation, which is way out of control until some form of tort reform is put in place.

  12. #12
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    Long Beach, CA
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    Quote Originally Posted by commtech77 View Post
    Hospitals and Insurance companies are not evil or greedy.
    The reason you pay 8 bux for an aspirin is because of price shifting.

    You’re paying fir the multitudes of illegal immigrants and people who have no insurance who enter into a ER knowing that its against the law for them not to treat you.

    You want to blame someone blame the. Politicians both D and R that let 20 million people spill across our borders uninvited.
    There is not doubt the insurance companies are paying the highest price for hospital services but what I cannot figure out is why the insurance companies do not object in any way. If an operation that should cost $5,000 gets billed to the insurance companies at $10,000 while Medicare, Medical and cash patients get charged $3,000, why don’t the insurance companies sue for being overcharged. It is all in black and white and could be brought in the courts.

    If the hospitals are indeed using insurance company money to support other losses within their hospital it could easily be revealing in their bookwork and should be illegal.

    As a contractor could you imagine telling a customer "I have to charge a little extra because the last guy ripped me off?"

  13. #13
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    Quote Originally Posted by Brian GC View Post
    There is not doubt the insurance companies are paying the highest price for hospital services but what I cannot figure out is why the insurance companies do not object in any way. If an operation that should cost $5,000 gets billed to the insurance companies at $10,000 while Medicare, Medical and cash patients get charged $3,000, why don’t the insurance companies sue for being overcharged. It is all in black and white and could be brought in the courts.

    If the hospitals are indeed using insurance company money to support other losses within their hospital it could easily be revealing in their bookwork and should be illegal.

    As a contractor could you imagine telling a customer "I have to charge a little extra because the last guy ripped me off?"
    Medicare and Medicade under pay physicians. Doctors have neen dropping those paitents like hot potatoes.

    Hospitald cant so more price shifting to the insurance companies to make zp the difference.

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