Big vs Small Gov't [Derailed SurGen thread] - Page 14
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Arbiter[frolix]
United Kingdom2674 Posts
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Caller
Poland8075 Posts
On July 18 2009 00:26 Arbiter[frolix] wrote: I note that with dreary predictability Mr Beck does not address the issue of America's shockingly poor performance in international terms in key health indicators. well, duh, its glenn beck | ||
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Arbiter[frolix]
United Kingdom2674 Posts
Well, hence the phrase "dreary predictability". | ||
Caller
Poland8075 Posts
On July 18 2009 00:32 Arbiter[frolix] wrote: Well, hence the phrase "dreary predictability". you could've just said "glenn beck lol" and it would've been better XD | ||
Syntax Lost
Finland86 Posts
Caller wrote: Hopelessly inefficient. With about 50% turnout, that is definitely not efficient. Jesus Christ... Okay, boys and girls, time for a geography lesson. Here is a map: ![]() Can anybody identify the countries which aren't the United States of America? Anyhow, the point behind the comment was to illustrate that there exists a feedback mechanism for government programmes (which contradicts the claim that no feedback mechanism exists). Furthermore, there are other methods in which government programmes receive feedback. Check this video which I posted earlier that illustrates how the NHS in the UK creates competition amongst hospitals. Saying there's no feedback mechanism for government programmes is just pure ignorance, lying or both. The private system appears to be less efficient because there is always government interference in the market in some way or another that allows bigger corporations to muscle out smaller competitors. This has been seen in the pharmaceutical industry where Merck and Pfizer have essentailly managed to knock out or absorb many smaller competitors-thus, they own what is essentially an oligopoly. Wait what? So the government was responsible for this because of interference? Do you have any actual evidence to support this claim? Because as we all know, oligopolies could never form if there were no government... This is also a No True Scotsman fallacy. And wtf is fair market competition-fair just means that the special interests have an advantage over everybody else. My usage of the expression fair market was to try to cover the market situation described by gchan where the government does interfere to prevent corporations from engaging in anti-competitive practices. I avoided using the expression "free market" because he was clearly describing a need for some government inference. I'm not addressing anything about the government's discoveries in major fields, because again, I feel they are true. But again, private sector specialization is what has helped to fuel the production and acceleration of these fields. DNA reagents would be even more expensive were it not for private sector dealers to compete with one another. Saying that the private sector is responsible for some discoveries does not prove that they're more effective. I'm not trying to say that there is no need for private sector R&D, but rather that the calim for them to maintain obscene profitability otherwise R&D would dry up is absurd. Plenty of R&D is performed without a profit motive at all. The models show correlation, not causality. Oh for fuck's sake, this is just pure sophistry on your behalf and you know it. If you can't see how quality of health would follow from the quality of healthcare provided (an obvious fucking mechanism for describing the correllation), you're a moron. What would it take for it to be more obvious? The US healthcare system to dress up in stiletto heels, a tight skirt with big flashing neon signs saying "Here's the fucking problem!" before you see the causality? First of all, many of the countries with socialized systems-Japan, for instance-are highly homogeneous. America, by any means, is not homogeneous. Even France is fairly homogenous and is separated quite distinctly-the poor immigrants are in the ghettos and are in some ways excluded-both internally and externally-from the rest of the French. And yet manages provide a higher quality of healthcare for all its citizens compared to the US. You're just cherry-picking examples here. Australia and Canada both are not homogeneous (much like the US) yet enjoy far better quality of health than the US. America is very, very diverse, and is not just restricted to its own sphere. What may work in those countries may not work here. Not to mention America has 300 million people, whereas other countries have far less. There are many, many differences between America and other countries, any of which could impact how socialized healthcare works in this country. Once again you're just try to appeal that the US is special without posting any hard evidence that it represents a significant problem to the US that makes the system unworkable like in other countries. Furthermore, it's not like other countries don't have to contend with their own unique healthcare problems. For example, Canada (and other nothern countries like Sweden, Finland and Norway) has to contend with its nationwide cold weather and snow shovelling, yet they still live longer. The Heart and Stroke Foundation of Canada wrote: Research also shows that the number of acute heart problems increase when there’s a significant dip in the outdoor temperature or when there’s a swing to extreme atmospheric pressure. One study found that a 10-degree drop in temperature translates into a 38 percent increased risk of a recurrent heart attack. Even if we were to accept that the US was special, it's not that special to demand about enormously more spending for signficantly worse outcomes. Looking at the figures for infant mortality rate per 1000 live births, we see: US: 6.26 UK: 4.85 Canada: 5.04 Finland: 4.47 Australia: 4.75 That's a 24.2% (almost a quarter) more infant deaths than Canada and a 40% (!!!) increase over Finland. If the differences were small, I could understand. These differences however are huge! Caller continues... And finally, basic economics dictates that the addition of "reducing costs" by force (in this case, through government mandate) will always bring about a reduction of supply and an increase in demand. This is elementary high school economics. If one were to quantify healthcare supply and demand increases since SCHIP, I'm fairly certain this would be quantified. This is completely unsupported by evidence in reality. If you had actually read the study I posted about SCHIP, or even the part that I quoted, you would have noticed... The study wrote: In a previous analysis of Medicaid disenrollment in an agricultural community, we concluded that 10% disenrollment would increase the number of uninsured children by 21% and increase the community’s health care costs as a result of a shift in sites of care from less expensive ambulatory office sites to more expensive [emergency department]s and increased hospitalizations. As illustrated by the study, improving access to healthcare reduces costs as people are able to utilise preventative care over emergency care which is significantly cheaper. Preventing people from accessing preventative care by allowing allow companies to price the care beyond the means of what poor people (particularly poor sick people) are able to pay, removes access and only pushes the burden onto emergency care. In essence, by reducing demand you're just playing a shell-game. You're reducing demand in one place only to see it appear somewhere that costs you even more! While this was addressed to someone else, I find that there are differences and that wishing them away doesn't do anything. All you're really doing by appealing to the special nature of the US is introducing a red herring. Nothing has been shown how this represents a significant impediment that cannot be contended. Government incentives backfire very easily if they are not constructed properly, mostly because people are spending other people's money to do so. And like any parent knows, if you give your kid money they will spend it. If they earn the money they won't spend it. Now you're just nitpicking. Here's a revolutionary idea: Why not pay the doctors that work in less attractive regions more money? This is not remarkably difficult for a government... You completely ignore the idea that you're also removing a large amount of the incentive to be doctors. Why the fuck would I want to be saddled with 300k in debt and no pay for 10 years, even if I really want to help people? The point, which goes whizzing way above your head, is that if a private clinic cannot operate at a profit in a remote region, then it's impossible for it to set up shop. No amount of free market will magically make profitability appear out of thin air. You need the government in these cases to provide incentive for doctors to work in these areas and no amount of private industry will change that. And I'm not sure where you're getting the idea that governments can't pay people... Bullshit and bullshit. The education system would have to be radically changed-it is simply just not economical for someone to be a doctor in this country without high compensation because of the education system. You're full of shit. Doctors have to pay exorbitant education fees in the UK which operates with the NHS. They're not super-rich like US doctors but its a far-cry from "uneconomical". As for insurance, that's not what's gouging customers-its the prices on the uninsured that's the primary problem. Once again, you're full of shit and have provided absolutely no evidence whatsoever to support this claim. As it has been previously proven in this thread, the US insurance industry has enormously higher overhead compared to a single public insurer. According to the interview with the ex-industry insider (former VP of CIGNA, no less), it routinely engages in practices to deny coverage, gouge customers and disenroll the sick in order to appease its shareholders. They are gouging you! They're admitting that they're gouging you. They're doing so in the interests of their share-holders. Do the heavens need to realign and spell it out for you? When was the last time you heard of some interesting scientific development from Europe that doesn't involve the LHC? Bwahahaha! Congratulations on showing that you're a completely ignorant on matters in the rest of the world. Example from my own university. We also have one of the top radio research laboratories in the world. Agreed, but you appear to show that you have no idea how theory is developed either. Oh puh-lease! Our tools (particularly in the realm of mathematics) have improved dramatically over the past couple hundred years, but the process of forming a hypothesis and prediction, testing and improving it and relying on empirical observations hasn't changed at all which was central to what I was pointing out to Ecael since he clearly didn't have a clue. You ignore that universities and pharmaceutical companies work together or sponsor many, many lines of research. This is indeed true. Plenty of private corporations do sponsor university research. This, however, does not detract from my point that R&D would dry up without obscene profits. And risky research does take place if the gain is high-see basic statistics on "expected gain." Yes, corporations do perform risk assessments. However, you fail to account that enormous amounts of research ends with failure to produce anything marketable which tends to force a lot of areas to rate quite lowly in the eyes of a corporation. This process of risk assessment drives corporations to direct their investments towards results that allow for the highest profitability (and not necessarily the areas of greatest medical need). Sure, they can still pump money into "high-risk" research if the potential rewards are suitably high, but they certainly hedge their bets and focus on things which are more likely to be "sure things" which does leave a gap in what their research can actually cover. Corporations primarily are encouraged by government regulation and the government sanctioned patent process to focus on long term drugs, rather than cures (i.e. rather coumadin than something that directly targets causes of high blood pressure). Evidence that it's the government's responsibility rather than the fact that it's simply more profitable to focus on long-term drugs over cures? Okay, I got a little overzealous here because he was abusing scientific definitions. The fact that I was trying to point out was that these were scientific discoveries in and of themselves. The fact that they were expanded upon with further research (if I recall correctly, all without profit motive), like all theories in science, does not change the fact that they're scientific research. This is nitpicky, but your scientific argument is flawed. There are multiple questions here, and the cowpox incident was not scientifically rigorous at all.. Congratulations on your nitpick. Here's a cookie: ![]() The point was a simple, quick and dirty illustration of how the scientific method is applied and you know it. TanGeng wrote: I'm not opposed to public/social health care system because of its costs, but rather over the long-term degradation with respect to quality. Evidence that it degrades at all? My time is rather valuable so I would prefer a system that could take care of me as quickly as possible - with all the amenities that such quality would require - good transportation access - parking lots if accessed by car, quick scheduling of doctor visits, etc. This is impossible without it being incredibly expensive or capable of covering all people. It's easy to remove wait times if you restrict access to 1/6 of the country and are willing to spend through the nose though... Ecael wrote: A major benefit of government regulated system, far as I can see, lies in the ability to unify care provided and bargain collectively, but without the healthcare professionals learning from the same playbook, we are at a loss. A system is as effective as people adhere to guidelines, but when the guidelines need to be changed by location, how do we begin to start something like that? I feel that it is a difficulty that is understated from the European to American comparison. Plenty of other countries manage quite fine and are able to adapt. You're just inventing problems by strawmanning government regulated/run healthcare. The point I assume gchan is trying to make is that bureaucracies always lack a proper mechanism and sometimes necessarily though. Wrong! Once upon a time, gchan wrote: Oh, and government programs are _always_ more inefficient because there is no feedback mechanism to manage them. Gchan outright claimed that there is no feedback mechanism when there is. There are many more because governments do monitor the level care of their citizens and do take steps to correct problems. It's not that simple to grasp when you look at the reality of healthcare system available in countries which are not the US. Caller continues in another post: While this is correct, I fail to understand how this situation is free market. In fact, this is the very antithesis of free market health care. They are eliminating competition through force. This is oligopoly, which is NOT free-market. Get that into your head-your view of "free market capitalism" is about as distorted as the Chinese view of communism. Seriously, you confuse corporatism with capitalism. Capitalism thrives on competition. Corporatism crushes it through being big. No true Scotsman once again. This is the practical result of introducing free market conditions to healthcare. Pretending that it doesn't fit your preconceived notion of being a free market--despite clearly operating far more freely than socialised healthcare systems--is at its very heart a No True Scotsman. Aside from my inner statistician screaming at how poorly statistical and biased the survey was run (as one can see in the description of the survey, where response bias is completely unaccounted for and the offering of 50$ further encourages response bias) Okay, you either didn't read the entire study or you're outright lying. Which is it? The study wrote: As in all surveys, we relied on respondents’ truthfulness. Might some debtors blame their predicament on socially acceptable medical problems rather than admitting to irresponsible spending? Several factors suggest that our respondents were candid. First, just prior to answering our questionnaire, debtors had filed extensive financial information with the court under penalty of perjury—information that was available to us in the court records and that virtually never contradicted the questionnaire data. They were about to be sworn in by a trustee (who often administered our questionnaire) and examined under oath. At few other points in life are full disclosure and honesty so aggressively emphasized. Second, the details called for in our telephone interview—questions about out-of-pocket medical expenses, who was ill, diagnoses, and so forth—would make a generic claim that “we had medical problems” difficult to sustain. Third, one of us (Thorne) interviewed (for other studies) many debtors in their homes. Almost all specifically denied spendthrift habits, and observation of their homes supported these claims. Most reflected the lifestyle of people under economic constraint, with modest furnishings and few luxuries. Finally, our findings receive indirect corroboration from recent surveys of the general public that have found high levels of medical debt, which often result in calls from collection agencies. Caller dishonestly continues... one must note that your claim that healthcare costs, regardless of insurance, caused bankruptcy. So how does a single-payer plan prevent this? IT DOESN'T. Are you honestly so thick that you can't figure that out for yourself? Here, let me hold your hand and walk you through it: People are not bankrupted due to medical problems in single payer systems due to the fact that: a)Everybody has coverage. b)Nobody is dumped by the insurance. c)They do not engage in recission. d)There are no caps. e)Decisions over treatment are made by your doctor and require no approval from insurance industry bureaucrats. f)There are minimal to no co-pays whatsoever. g)You don't have your premiums jacked up if the insurer considers you a higher risk (by getting ill, for instance). I challenge you to find any bankruptcy statistics that show that under a socialised healthcare system, there is a significant number of people that are bankrupted due to medical expenses. (Hint: These statistics don't exist because virtually no one is bankrupted due to medical expenses under socialised medicine.) The study specifically points out that people that lost their coverage rarely lost it by choice. Its a fact that the insurance companies dump you. Their methods can vary from case to case, but they do find a way. The study notes: Our data highlight four deficiencies in the financial safety net for American families confronting illness. First, even brief lapses in insurance coverage may be ruinous and should not be viewed as benign. While forty-five million Americans are uninsured at any point in time, many more experience spells without coverage. We found little evidence that such gaps were voluntary. Caller continues: These special treatments that negated insurance are likely to also not be covered under a universal healthcare plan. If anything, this doesn't lower healthcare costs for the uninsured and for procedures that aren't covered. The problem and the solution have been mixed. You're just making shit up. What fucking special treatments? Do honestly have any clue how universal healthcare actually works? Insurance companies in the US are specifically dumping people from plans when they represent a high liability to them. They routinely deny care or tenuous grounds in the interests of their share-holders. Evidence of this abounds and has been posted earlier. This simply does not happen under a single-payer system because there are no share-holders and no incentive for the insurance to disenroll people. The costs are reduced because access has been improved (bringing more focus to preventative care) and through risk pooling (the whole fucking point behind insurance). What did I say about your perception of the free market? Please read any classical liberal thinker, or even a microeconomics text. That being said, I hate credit cards with a passion and think this is a terrible idea. But comparing medical credit cards to a mortgage crisis caused by stupid Fannie Mae and Freddie Mac bureaucrats that thought they were indestructible is a bit unfair, wouldn't you say? This is straying from the topic of the thread, but the point was to highlight the process of issuing credit to those unable/unlikely to pay it back and then packaging that debt and playing pass-the-parcel with a ticking time-bomb, and this is something we see from free markets operating in the real world. But anyway, back to the thread. Let me put it this way. I get a checkup every year. My demand is constant, and its clearly considered healthcare. What if I get a checkup every month? Demand increases for me. Normally, price controls how often I go get a checkup. If price no longer matters, why shouldn't I get a checkup as often as I can? I'm not really paying for it per se. This is basic economics. Stop generalizing off anecdotes. If this were true, we'd see this problem occur in real life in places that don't charge for simple check-ups. Fact is, it doesn't. While it's true that you will see some people go to the doctor more frequently for trivial matters, you won't see that much change that it creates a serious problem in the healthcare system. But don't let something like real evidence get in the way of your worldview. While the nanny state metaphor is overused, the reality is that the "private system" that you interpret to be free-market is infested by government intrusions at every level, most of which cause terrible, terrible, damage. You know, it would help your claims if you actually supported them with evidence. Hello, government subsidies for organizations that initially were nonprofit but then were turned into a profit-machine by lobbyists. If this isn't the government's fault, I dunno what you think is. Notice the fact that the serious problems arose after the private industry took over? Blaming the government here is like blaming a knife manufacturer for someone being stabbed. Caller wrote:While this all appears good and nice from a very frontal point of view, I would like to point out the economist Bastiat, whom was noted for his theories on "Things that are not seen." This is just pure sophistry on your behalf. The evidence overwhelmingly supports public healthcare and you've not provided a single shred of credible evidence that shows otherwise. The New England Medical Journal and the American Academy of Pediatrics are not economics journals-they are scientific and medical in nature. Ad hominem. Thus, costs that appear to have been cut in the medical arena actually insert themselves in other places that are not seen. Where? Where are the costs inserting themselves? Point them out. So um, is it just me, or maybe the reason is because Canada has less doctors that are paid less? And mayber there's a reason why the former is the case? http://www.oecd.org/dataoecd/46/33/38979719.pdf Can't access your link for some unknown reason. Nevertheless, the Canadian system achieves much better health outcomes with fewer doctors. Could it be that they're being... *gasp* ...more efficient? The United States is very diverse. I'm sure if you took each state separately you would have major differences. Other countries are not nearly as diverse. Again, appeals that the US is special without evidence. Secondly, an example of disaster is the US involvement in corn vs. sugar. To protect the corn farmers, the US imposed mass tariffs on sugar. The result? Americans are indoctrinated in a high fructose corn diet that has led to high rates of fat and diabetes-which coincidentally impacts life expectancy and infant mortality. Canada contends with the same problems with corn syrup. Australia has a comparable obesity rate. Other nations have to contend with their own unique problems too, like I described earlier. Yet, they all still achieve far better outcomes with regards to healthcare. People that don't have health insurance pay much higher prices, not wait longer. In some cases, they refuse care because of these prices. The reason that's the case is because of America's fascination and connection that insurance = healthcare. Rather than fret about the uninsured, we should be asking why people need to be insured in the first place. Do you even understand the concept behind risk pooling? Do you have any idea how much treatment can cost for serious medical problems? Having a child in the US will cost upwards of $20,000 without insurance. Do you think that a young couple can seriously afford that? Funny because that's the same tactic that people use to support universal health care. Tu quoque fallacy. So I don't suppose it would hurt to say, look and see that public health care is funded by either taxes or borrowing. Sure you can say that people pay premiums, but can one honestly say that those will cover everything and be cheaper than a private group? Of course public healthcare is funded by taxation, but the WHO data specifically takes into account both public and private healthcare spending. It shows very clearly that Canadians spend less on healthcare. Also, taxwise, for married couples with two children, Americans pay about 11% vs. 21% for Canadians, and for unmarried couples, its 29 to 31%. There is a tax difference that's quite sizable there. As I said, looking just at taxation is a red herring because the details of actual healthcare expenditures are made very clear by WHO. Ouch. That's some serious libel there. Puh-lease! I demonstrated clearly how both the video and Aegraen were being both dishonest and stupid. It's about at libelous as saying that Ted Bundy was a murderer. So maybe it has nothing to do with the fact that this particular government report from the CBO says that the biggest pharmaceutical companies spend 40$ billion US in 2004, suggesting that your figures are completely wrong. And although the fact that they spend more on marketing is true, not only do they spend more than the government does, but other industries do as well. I cannot access the report you're linking to for some reason. Can you provide another source? I would venture a guess that the study I posted made a more comprehensive effort to identify marketing expenditures. If you look at the figures the study I posted lists, they also give IMS and CAM estimates for medical expenditures which are $27.7 and $47.9 billion respectively. They note... PLOS wrote: We queried CAM and IMS about the estimated value of unmonitored promotional expenditures. IMS did not provide an answer to this question. In order to validate its estimates, CAM relies on a validation committee that includes representatives from various pharmaceutical firms, including Merck, Pfizer, Bristol-Myers Squibb, Eli Lilly, Aventis, Sanofi-Synthelabo, AstraZeneca, and Wyeth. Under a confidentiality agreement, the firms supply CAM with internal data related to their detailing activity and promotional costs in the US. Through the validation committee, CAM can thus compare totals obtained through its own audits with the firms' internal data about their promotional budgets in order to evaluate if all promotion has been properly audited through its physician surveys. As a result of this comparison, CAM's validation committee considers that about 30% of promotional spending is not accounted for in its figures. CAM is unable to provide an exact breakdown of unmonitored promotion, but it believes that around 10% is due to incomplete disclosure and omissions by surveyed physicians and the remaining 20% comes from a combination of promotion directed at categories of physicians that are not surveyed, unmonitored journals in which pharmaceutical promotion appears, and possibly unethical forms of promotion. We adjusted total expenditures to account for this unreported 30%. In other words, the PLOS study takes specific measures to account for unreported promotional spending on behalf of the pharmaceutical industry. I cannot see the report you posted, but does it take such measures? Anyhow, even if we were to accept the $40 billion figure, it's still much larger than R&D expenditure. Are you saying that we should just stop marketing for all firms? Or is healthcare an exception? Strawman much? The thing that I'm trying to point out in particular is the fact that they market, but the enormous amount of marketing they perform. Can you show how viagra commercials (and the like) provide a positive impact on health in the US, because your healthcare dollars are paying for them. Fun fact: Japan has been stagnating for 20 years. Maybe there's a reason for it? Red herring. Care to provide evidence of how public healthcare is responsible? | ||
Caller
Poland8075 Posts
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MoltkeWarding
5195 Posts
China has a life expectancy of 73, yet Chinese healthcare is appallingly poor by western standards. The average Russian man dies before his 60th birthday, but this is almost certainly attributable to lifestyle factors such as alcoholism, violence, or depression rampant in Russian society. (By contrast, the life expectancy for Russian women is 73.) In we take American life expectancies by racial breakdown, Asians live about a decade longer than blacks and hispanics. Similarly, infant mortality rates for blacks is over double that of whites. There is a clear deviation between Asians/Whites on one hand, and Blacks/Hispanics/Indians on the other. | ||
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TanGeng
Sanya12364 Posts
Even if we were to accept that the US was special, it's not that special to demand about enormously more spending for signficantly worse outcomes. Looking at the figures for infant mortality rate per 1000 live births, we see: US: 6.26 UK: 4.85 Canada: 5.04 Finland: 4.47 Australia: 4.75 That's a 24.2% (almost a quarter) more infant deaths than Canada and a 40% (!!!) increase over Finland. If the differences were small, I could understand. These differences however are huge! Hey, Syntax do have statistics for miscarriages/stillborn. I've talked with doctors in obstetrics and they talk about babies more than 10 weeks premature, babies under one pound, etc. being counted as live births before being rushed into the NICU. Nowhere else in the world would that ever happen. Most countries would write the fetus off as dead and move on. These are of course macro statistics and not controlled for any genetic factors. Moltke's already addressing the other half of the problem which is racial disparity. And from what I have gathered, most of the difference in infant mortality rates is prenatal care and daily nutrition rather than hospitals and their obstetrics departments. Of course, I'm arriving at that conclusion with a some bias towards my medical acquaintances. | ||
Caller
Poland8075 Posts
On July 18 2009 00:44 Syntax Lost wrote: Jesus Christ... Okay, boys and girls, time for a geography lesson. Here is a map: ![]() Can anybody identify the countries which aren't the United States of America? Anyhow, the point behind the comment was to illustrate that there exists a feedback mechanism for government programmes (which contradicts the claim that no feedback mechanism exists). Furthermore, there are other methods in which government programmes receive feedback. Check this video which I posted earlier that illustrates how the NHS in the UK creates competition amongst hospitals. Saying there's no feedback mechanism for government programmes is just pure ignorance, lying or both. There is a limited extent of feedback in government. While elections certainly are a form of feedback, it is limited in three ways: a) a large amount of the population cannot participate b) point of views may be biased because of government subsidies to certain groups and c) this does not really effect unelected bureaucrats. The programs that many people complain about are in the hands of these bureaucrats. One example that has been beaten to death is the DMV. Wait what? So the government was responsible for this because of interference? Do you have any actual evidence to support this claim? Because as we all know, oligopolies could never form if there were no government... This is also a No True Scotsman fallacy. I did provide evidence. It wasn't in this post-see the 1973 HMO Act, for instance, which I will expound upon your response below. My usage of the expression fair market was to try to cover the market situation described by gchan where the government does interfere to prevent corporations from engaging in anti-competitive practices. I avoided using the expression "free market" because he was clearly describing a need for some government inference. No, this was a clear attempt to "No True Scotsman," the very thing you accuse me of numerous times below. Saying that the private sector is responsible for some discoveries does not prove that they're more effective. I'm not trying to say that there is no need for private sector R&D, but rather that the calim for them to maintain obscene profitability otherwise R&D would dry up is absurd. Plenty of R&D is performed without a profit motive at all. If you read my point of the reason of why the obscene profitability happens (i.e. US Government Patent Law), then you would understand why I am concerned. The models show correlation, not causality. Oh for fuck's sake, this is just pure sophistry on your behalf and you know it. If you can't see how quality of health would follow from the quality of healthcare provided (an obvious fucking mechanism for describing the correllation), you're a moron. What would it take for it to be more obvious? The US healthcare system to dress up in stiletto heels, a tight skirt with big flashing neon signs saying "Here's the fucking problem!" before you see the causality? You're going a bit too far here. What I meant to say was that there are clearly other reasons why quality of health is much higher in some nations than others-Japan, for instance, has the longest expected life longevity, a significant amount of which is documented to be responsible by a combination to their diet (both the type and the quantity) as well as their culture. And yet manages provide a higher quality of healthcare for all its citizens compared to the US. Because there have been no studies done comparing the healthcare rates of the minorities in France, I cannot agree or disagree with this point. You're just cherry-picking examples here. Australia and Canada both are not homogeneous (much like the US) yet enjoy far better quality of health than the US. That's not quite accurate. While they are both not homogeneous ethnically, Canada socioeconomically is fairly homogeneous. Australia is not, but an overwhelming amount of the population is in the urban area, while the "Outback" (especially Aboriginies) have a large separation in their healthcare as can be seen here: http://www.treasury.qld.gov.au/office/knowledge/docs/priorities/2005-06/ Once again you're just try to appeal that the US is special without posting any hard evidence that it represents a significant problem to the US that makes the system unworkable like in other countries. Furthermore, it's not like other countries don't have to contend with their own unique healthcare problems. For example, Canada (and other nothern countries like Sweden, Finland and Norway) has to contend with its nationwide cold weather and snow shovelling, yet they still live longer. The Heart and Stroke Foundation of Canada wrote: Research also shows that the number of acute heart problems increase when there’s a significant dip in the outdoor temperature or when there’s a swing to extreme atmospheric pressure. One study found that a 10-degree drop in temperature translates into a 38 percent increased risk of a recurrent heart attack. Even if we were to accept that the US was special, it's not that special to demand about enormously more spending for signficantly worse outcomes. Looking at the figures for infant mortality rate per 1000 live births, we see: US: 6.26 UK: 4.85 Canada: 5.04 Finland: 4.47 Australia: 4.75 That's a 24.2% (almost a quarter) more infant deaths than Canada and a 40% (!!!) increase over Finland. If the differences were small, I could understand. These differences however are huge! This is completely unsupported by evidence in reality. If you had actually read the study I posted about SCHIP, or even the part that I quoted, you would have noticed... As illustrated by the study, improving access to healthcare reduces costs as people are able to utilise preventative care over emergency care which is significantly cheaper. Preventing people from accessing preventative care by allowing allow companies to price the care beyond the means of what poor people (particularly poor sick people) are able to pay, removes access and only pushes the burden onto emergency care. In essence, by reducing demand you're just playing a shell-game. You're reducing demand in one place only to see it appear somewhere that costs you even more! If you actually read what I said, I said that there are bound to be changes in other areas that may not be directly interpreted as cost but nonetheless uses time. Using your own words, you're decreasing cost in one place only to see it appear somewhere else! All you're really doing by appealing to the special nature of the US is introducing a red herring. Nothing has been shown how this represents a significant impediment that cannot be contended. Nothing has shown any consideration of the differences and nonetheless concluded that a socialized system will do as well as it has in other countries, either. Now you're just nitpicking. Here's a revolutionary idea: Why not pay the doctors that work in less attractive regions more money? This is not remarkably difficult for a government... a) Where is the money coming from? b) If it works so well, why doesn't the government do this whenever they want to get an industry in a certain area? They do? But it raises costs? Oh... The point, which goes whizzing way above your head, is that if a private clinic cannot operate at a profit in a remote region, then it's impossible for it to set up shop. No amount of free market will magically make profitability appear out of thin air. You need the government in these cases to provide incentive for doctors to work in these areas and no amount of private industry will change that. And I'm not sure where you're getting the idea that governments can't pay people... No, you're missing the point that education costs are going to be sky high and we have a much larger delay in the US than overseas in medical school costs. I acknowledge that remote areas will likely suffer in terms of doctors, but I disagree that it would not become profitable for remote regions and doctors. You're full of shit. Doctors have to pay exorbitant education fees in the UK which operates with the NHS. They're not super-rich like US doctors but its a far-cry from "uneconomical". Tuition for a BM (the degree for a UK doctor to be order to practice) is 3225 pounds, or about 6500$ per annum. Tuition for a MD is about 50,000$ per annum for four years, not to mention a varying 4k-50k undergraduate degree. Once again, you're full of shit and have provided absolutely no evidence whatsoever to support this claim. As it has been previously proven in this thread, the US insurance industry has enormously higher overhead compared to a single public insurer. According to the interview with the ex-industry insider (former VP of CIGNA, no less), it routinely engages in practices to deny coverage, gouge customers and disenroll the sick in order to appease its shareholders. They are gouging you! They're admitting that they're gouging you. They're doing so in the interests of their share-holders. Do the heavens need to realign and spell it out for you? No, you're full of shit. Try this thing: http://www.nhhealthcost.org/costByProcedure.aspx Now check prices for the same area, insured vs. uninsured. Uninsured people pay far more than the insurance company does for the same procedure. Bwahahaha! Congratulations on showing that you're a completely ignorant on matters in the rest of the world. Example from my own university. We also have one of the top radio research laboratories in the world. Yeah, that remark was rash on my part. I accept that it was a stupid thing to say. This is indeed true. Plenty of private corporations do sponsor university research. This, however, does not detract from my point that R&D would dry up without obscene profits. So without obscene profits, R&D would dry up? What? Yes, corporations do perform risk assessments. However, you fail to account that enormous amounts of research ends with failure to produce anything marketable which tends to force a lot of areas to rate quite lowly in the eyes of a corporation. This process of risk assessment drives corporations to direct their investments towards results that allow for the highest profitability (and not necessarily the areas of greatest medical need). Sure, they can still pump money into "high-risk" research if the potential rewards are suitably high, but they certainly hedge their bets and focus on things which are more likely to be "sure things" which does leave a gap in what their research can actually cover. Exactly, this I can whole-heartedly agree with you on. The results that allow for the highest probability of assessment, however, are drugs that are chronic, and this is due to the terrible state of the patent process. Corporations primarily are encouraged by government regulation and the government sanctioned patent process to focus on long term drugs, rather than cures (i.e. rather coumadin than something that directly targets causes of high blood pressure). Evidence that it's the government's responsibility rather than the fact that it's simply more profitable to focus on long-term drugs over cures? http://www.law.umaryland.edu/marshall/crsreports/crsdocuments/RL3075601102005.pdf While it's not apparent, a reading of the article gives one an understanding that the act that resulted in combination of increases in generic drugs along with the patent incentive for further R&D leads to a rather obvious conclusion: the kind of drugs that we get today-chronic, money-making drugs-were due to the combination of incentives that were aforementioned. ~ignoring stuff that doesn't apply to me No true Scotsman once again. This is the practical result of introducing free market conditions to healthcare. Pretending that it doesn't fit your preconceived notion of being a free market--despite clearly operating far more freely than socialised healthcare systems--is at its very heart a No True Scotsman. One may also accuse you of a No True Scotsman here, seeing as how the current market-which is far more socialized than what is accepted to be a free-market-yet you perceive it to be a free-market, hence the No True Scotsman. Aside from my inner statistician screaming at how poorly statistical and biased the survey was run (as one can see in the description of the survey, where response bias is completely unaccounted for and the offering of 50$ further encourages response bias) The written questionnaire distributed at the time of bankruptcy filing invited debtors to participate in future telephone interviews, for which they would receive $50; 70 percent agreed to such interviews. We ultimately completed follow-up telephone interviews with 931 of the 1,771 debtor families, a response rate of 53 percent.15 The telephone interviews, conducted between June 2001 and February 2002 using a structured, computer-assisted protocol, explored financial, housing, and medical issues. Many debtors also provided a narrative description of their bankruptcy experience. Response bias. Caller dishonestly continues... one must note that your claim that healthcare costs, regardless of insurance, caused bankruptcy. So how does a single-payer plan prevent this? IT DOESN'T. Are you honestly so thick that you can't figure that out for yourself? Here, let me hold your hand and walk you through it: People are not bankrupted due to medical problems in single payer systems due to the fact that: a)Everybody has coverage. b)Nobody is dumped by the insurance. c)They do not engage in recission. d)There are no caps. e)Decisions over treatment are made by your doctor and require no approval from insurance industry bureaucrats. f)There are minimal to no co-pays whatsoever. g)You don't have your premiums jacked up if the insurer considers you a higher risk (by getting ill, for instance). I challenge you to find any bankruptcy statistics that show that under a socialised healthcare system, there is a significant number of people that are bankrupted due to medical expenses. (Hint: These statistics don't exist because virtually no one is bankrupted due to medical expenses under socialised medicine.) The study specifically points out that people that lost their coverage rarely lost it by choice. Its a fact that the insurance companies dump you. Their methods can vary from case to case, but they do find a way. No, you're dodging my point here. You made the point that: regardless of whether or not they had healthcare insurance, people went bankrupt. My response was: because insurance companies don't cover some things (as would the universal plan), they would be forced to pay the uninsured rate for something, which is always very high compared to the insured rate. This would be enough in cases to force bankruptcy, regardless of whether or not they had insurance. You then say, why don't people with single-payer plans go bankrupt. The answer is that the government forces everybody to have insurance. While this certainly prevents people from being charged the uninsured rate, it does so at a cost-namely, reduced supply. A better alternative would be to wonder, why the hell is the uninsured rate so high compared to the insured rate. Caller continues: These special treatments that negated insurance are likely to also not be covered under a universal healthcare plan. If anything, this doesn't lower healthcare costs for the uninsured and for procedures that aren't covered. The problem and the solution have been mixed. You're just making shit up. What fucking special treatments? Do honestly have any clue how universal healthcare actually works? Insurance companies in the US are specifically dumping people from plans when they represent a high liability to them. They routinely deny care or tenuous grounds in the interests of their share-holders. Evidence of this abounds and has been posted earlier. This simply does not happen under a single-payer system because there are no share-holders and no incentive for the insurance to disenroll people. The costs are reduced because access has been improved (bringing more focus to preventative care) and through risk pooling (the whole fucking point behind insurance). You seem to be ignoring my point and going back to the typical "greed, GREED, GREEEED" line that I hear all the time. While it's true, it's also ignoring my point. What did I say about your perception of the free market? Please read any classical liberal thinker, or even a microeconomics text. That being said, I hate credit cards with a passion and think this is a terrible idea. But comparing medical credit cards to a mortgage crisis caused by stupid Fannie Mae and Freddie Mac bureaucrats that thought they were indestructible is a bit unfair, wouldn't you say? This is straying from the topic of the thread, but the point was to highlight the process of issuing credit to those unable/unlikely to pay it back and then packaging that debt and playing pass-the-parcel with a ticking time-bomb, and this is something we see from free markets operating in the real world. But anyway, back to the thread. Scotsman. If this were true, we'd see this problem occur in real life in places that don't charge for simple check-ups. Fact is, it doesn't. While it's true that you will see some people go to the doctor more frequently for trivial matters, you won't see that much change that it creates a serious problem in the healthcare system. But don't let something like real evidence get in the way of your worldview. Charge for ER vs. Charge for Check-up. What gives? While the nanny state metaphor is overused, the reality is that the "private system" that you interpret to be free-market is infested by government intrusions at every level, most of which cause terrible, terrible, damage. You know, it would help your claims if you actually supported them with evidence. Hello, government subsidies for organizations that initially were nonprofit but then were turned into a profit-machine by lobbyists. If this isn't the government's fault, I dunno what you think is. Notice the fact that the serious problems arose after the private industry took over? Blaming the government here is like blaming a knife manufacturer for someone being stabbed. Not quite-the thing was that these organizations were simply not feasible at all without government aid. Rather than blaming a knife manufacturer, the government's role here is more like dumping fertilizer and letting weeds grow. This is just pure sophistry on your behalf. The evidence overwhelmingly supports public healthcare and you've not provided a single shred of credible evidence that shows otherwise. The evidence is mostly showing healthcare vs. current situation, which is obvious. It doesn't show healthcare vs. other alternatives like complete privatization. And I have provided evidence. No, Ad Hominem is attacking them for being Democrats or w/e. I'm attacking them because they are writing about a subject which they are not as known for as opposed to other journals. I also think its funny that you use this argument, seeing as how you call me dishonest and an ignorant idiot multiple times. Where? Where are the costs inserting themselves? Point them out. Wait times is beaten to death, but also increased deficits (France's healthcare system runs at quite a large deficit) as well as taxes. Can't access your link for some unknown reason. Nevertheless, the Canadian system achieves much better health outcomes with fewer doctors. Could it be that they're being... *gasp* ...more efficient? Is a doctor more efficient because he works in a rich community than one who works in a poor community? ~already addressed this one Canada contends with the same problems with corn syrup. Australia has a comparable obesity rate. Other nations have to contend with their own unique problems too, like I described earlier. Yet, they all still achieve far better outcomes with regards to healthcare. My point was government interference causes problems. But yes, this is true in some ways. Do you even understand the concept behind risk pooling? Do you have any idea how much treatment can cost for serious medical problems? Having a child in the US will cost upwards of $20,000 without insurance. Do you think that a young couple can seriously afford that? Do you understand that the price difference between insured and uninsured procedures is quite high? Do you understand that this is a problem that won't be corrected by public healthcare? Do you understand that this is the biggest problem right now? Your argument is a bit of an ad hominem as well, I would say. Of course public healthcare is funded by taxation, but the WHO data specifically takes into account both public and private healthcare spending. It shows very clearly that Canadians spend less on healthcare. Yes, I agree with this. I disagree with the conclusions that you reach, however. As I said, looking just at taxation is a red herring because the details of actual healthcare expenditures are made very clear by WHO. Truth. I acknowledge the tax argument is flawed. Puh-lease! I demonstrated clearly how both the video and Aegraen were being both dishonest and stupid. It's about at libelous as saying that Ted Bundy was a murderer. sarcasm is as sarcasm does I cannot access the report you're linking to for some reason. Can you provide another source? http://www.cbo.gov/ftpdocs/76xx/doc7615/10-02-DrugR-D.pdf Try getting Adobe Acrobat Reader, its a pdf. I agree with you about the insanity of the marketing, though. But it's a result of the patent process and the loss to generics. The rest of the stuff is red herrings, yeah I was a bit tipsy at the time and not quite arguing properly. I concede those points. | ||
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TanGeng
Sanya12364 Posts
As illustrated by the study, improving access to healthcare reduces costs as people are able to utilise preventative care over emergency care which is significantly cheaper. Preventing people from accessing preventative care by allowing allow companies to price the care beyond the means of what poor people (particularly poor sick people) are able to pay, removes access and only pushes the burden onto emergency care. In essence, by reducing demand you're just playing a shell-game. You're reducing demand in one place only to see it appear somewhere that costs you even more! The problem is not in pricing preventative care beyond the reach of the poor, but rather a combination of: a) forcing the poor to purchase care that they might not want to pay for (through an HMO) b) pricing emergency care at $0. The government decrees all ERs must accept all patients. The latter is an expression of compassion. Not something that government needs to do since there are plenty of generous people around but it's understandable. The former is to help out the business model of the HMOs via government. You have to lay the blame where it belongs for "pricing the care beyond the means of poor people." - the HMO lobby and its government stooges. BTW stooge number one in the US is Ted Kennedy, senior senator of Massachusetts. | ||
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KwarK
United States42700 Posts
I think everyone is agreed that the current US system is failing, the statistics are pretty clear on it in terms of cost to the individual and results. I also think everyone agrees the mulitlayed chimera of insurance, government planning, partial government provision on a disjointed private system is the problem. The question is whether to scrap it in favour of a two teir system in which there is a national health service as well as a private option (with insurance etc if people want it) as we have in Britain or whether it all becomes private. That said, no reasonable society will let people die on its streets without medical attention so the latter is unlikely. | ||
zeppelin
United States565 Posts
On July 18 2009 02:40 TanGeng wrote: You have to lay the blame where it belongs for "pricing the care beyond the means of poor people." - the HMO lobby and its government stooges. BTW stooge number one in the US is Ted Kennedy, senior senator of Massachusetts. Yes because the benevolent free market wants to lower healthcare prices so badly but that mean old senator won't let them because their company has been hijacked by lobbyists. Those poor executives just trying to do what's best for everyone but the government and their own employees have plotted against them! The fact that HMOs have a lobby (which certainly isn't lobbying for lower prices) tells you all you need to know about the supposed instinct of private companies in giving the customer the best deal possible. If there was no government regulation, these lobbies wouldn't just go away. The same insurance lobbyists would just focus their lobbying on employers, lawyers, hospitals, and insurance companies to get more and more profits for their employers. That is their job. That is literally what they are hired to do. The barriers to entry in the health insurance game (especially if insurance companies affiliate with doctors and hospitals and employers) are so high that the concept of a free market is completely invalidated. If you think insurance companies are overcharging, you can't just start a new healthcare business, especially when Blue Cross or Aetna or whoever else would have entire teams of lobbyists at their disposal to lobby every doctor and hospital in your state to not accept your insurance just to remove you as a threat. | ||
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TanGeng
Sanya12364 Posts
On July 18 2009 03:02 Kwark wrote: The question is whether to scrap it in favour of a two teir system in which there is a national health service as well as a private option (with insurance etc if people want it) as we have in Britain or whether it all becomes private. That said, no reasonable society will let people die on its streets without medical attention so the latter is unlikely. I would expect strong charity programs to exist along side a completely private system. I doubt that people will be dying in the streets in any system. Doctors, in general, are altruistic and caring of those in need and they could do work pro-bono. | ||
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TanGeng
Sanya12364 Posts
On July 18 2009 03:20 zeppelin wrote: Yes because the benevolent free market wants to lower healthcare prices so badly but that mean old senator won't let them because their company has been hijacked by lobbyists. Those poor executives just trying to do what's best for everyone but the government and their own employees have plotted against them! The fact that HMOs have a lobby (which certainly isn't lobbying for lower prices) tells you all you need to know about the supposed instinct of private companies in giving the customer the best deal possible. If there was no government regulation, these lobbies wouldn't just go away. The same insurance lobbyists would just focus their lobbying on employers, lawyers, hospitals, and insurance companies to get more and more profits for their employers. That is their job. That is literally what they are hired to do. The barriers to entry in the health insurance game (especially if insurance companies affiliate with doctors and hospitals and employers) are so high that the concept of a free market is completely invalidated. If you think insurance companies are overcharging, you can't just start a new healthcare business, especially when Blue Cross or Aetna or whoever else would have entire teams of lobbyists at their disposal to lobby every doctor and hospital in your state to not accept your insurance just to remove you as a threat. Lobby private individuals based on what!? If they aren't competitive in pricing or the merits of their service and business model, doctors, employers, and patients will have none of their BS. Do you seriously think that insurance agencies have a competitive advantage when they force patients to jump through hoops to receive care, doctors to jump through hoops to provide care, and then charge employers an exorbitant amount of money to insure their employees? What does else does a HMO lobby have to offer to private individuals? They can't just bribe the politician by contributing to some campaign slush fund. There aren't dinners that they can lure people to for an easy sale. These private individuals have a real stake in the game. They'll either be paying for it, receiving the care, or being paid by the insurance companies. A small contribution of money or a little VIP treatment by the lobbyists and the CEO isn't going to cut it. I think the business model of the HMO is flawed. So I would never start an HMO to compete with existing HMOs. But my ideal business model for providing health care is ILLEGAL because of state laws, so I couldn't provide competition even if I wanted to. The barriers to entry that you speak of are artificial ones created by the government. Many doctors have come to the same conclusion. There are some that have tried alternative means of providing medical care to people. Their business usually are targeted by the government for shutdown despite being very popular and successful with the public. Most of the time government bureaucrats give some reason like, "Ensuring Public Safety," "Not Fully Compliant Operations," or "Non Compliance with Regulations." | ||
zeppelin
United States565 Posts
On July 18 2009 03:40 TanGeng wrote: Lobby private individuals based on what!? If they aren't competitive in pricing or the merits of their service and business model, doctors, employers, and patients will have none of their BS. Do you seriously think that insurance agencies have a competitive advantage when they force patients to jump through hoops to receive care, doctors to jump through hoops to provide care, and then charge employers an exorbitant amount of money to insure their employees? What does else does a HMO lobby have to offer to private individuals? They can't just bribe the politician by contributing to some campaign slush fund. There aren't dinners that they can lure people to for an easy sale. These private individuals have a real stake in the game. They'll either be paying for it, receiving the care, or being paid by the insurance companies. A small contribution of money or a little VIP treatment by the lobbyists and the CEO isn't going to cut it. I think the business model of the HMO is flawed. So I would never start an HMO to compete with existing HMOs. But my ideal business model for providing health care is ILLEGAL because of state laws, so I couldn't provide competition even if I wanted to. The barriers to entry that you speak of are artificial ones created by the government. Many doctors have come to the same conclusion. There are some that have tried alternative means of providing medical care to people. Their business usually are targeted by the government for shutdown despite being very popular and successful with the public. Most of the time government bureaucrats give some reason like, "Ensuring Public Safety," "Not Fully Compliant Operations," or "Non Compliance with Regulations." Aetna Insurance Group: "We will give you, Mercy General Hospital, $x million a year to make Aetna your exclusive healthcare provider. All doctors associated with Mercy General will only accept billing through Aetna, patients who carry any other insurance must carry full price." Mercy General Hospital: "Deal" *some months later* Bystander: "Help! 911! There's been an accident! The driver is unconscious and bleeding badly!" 911 dispatch: "Dispatch an ambulance and fire crew to the scene, route the victim to Mercy General Presented By Aetna, it's the only hospital in the area." If the victim has insurance through Cigna, they will be on the hook for everything. In a free market, they would be free to take their money elsewhere. But this isn't a free market. If a hospital partners with an insurance provider (and without government regulation, there is literally no reason for them to not do this), an emergency victim does not have a choice if they are dying or unconscious, they are taken to the closest place for medical care. As long as enough people get in car accidents, have heart attacks, go into labor, have seizures, contract pneumonia, etc. within geographical reach of the hospital and have no other place to go, this model will be successful and healthcare providers know it. You can't vote with your wallet because emergencies aren't something you can predict. If you're on vacation and you have to go to the hospital and they don't take your insurance, congratulations you're bankrupt. What are you going to do, tell your family and friends to change providers? What if they're the only game in town? And if every insurance company uses partnerships with medical providers to raise barriers to entry (which you'd better believe they would do), you would not have an alternative. | ||
shmay
United States1091 Posts
On July 18 2009 03:02 Kwark wrote: That said, no reasonable society will let people die on its streets without medical attention so the latter is unlikely. When the levies broke in New Orleans, where did the bulk of the help come from? Common people, while government infamously bungled it. When the fires broke out in California (sorry, I'm using examples that are local to me and I know of), the aid for the refugees was lead almost entirely by volunteer citizens, while government again stagnated. A completely private system != letting people die on the streets; it simply means leaving the aid to the citizens, not government. | ||
zeppelin
United States565 Posts
On July 18 2009 05:49 shmay wrote: When the levies broke in New Orleans, where did the bulk of the help come from? Common people, while government infamously bungled it. When the fires broke out in California (sorry, I'm using examples that are local to me and I know of), the aid for the refugees was lead almost entirely by volunteer citizens, while government again stagnated. A completely private system != letting people die on the streets; it simply means leaving the aid to the citizens, not government. Maybe the government bungled it because the government was being run by people who don't believe government can or should solve problems. That doesn't prove government "doesn't work", it proves only that the people governing did not want it to work. Why was the Apollo Program so much more effective than any attempted private space venture so far? How did that lurching inefficient government bureaucracy do better than the finest and most efficient businesses using technology that predated the VCR? Hint 1: private enterprise doesn't go into business if there isn't a reasonable profit potential Hint 2: Not everything that is beneficial for society is profitable Hint 3: "government is inefficient" is a very successful meme propagated by people far richer than any of us in order to have poor people advocate for them to have more avenues of profit-taking | ||
shmay
United States1091 Posts
It definitely doesn't prove that "the people governing did not want it to work." I don't know how you could possibly extrapolate that without a lot of damning evidence. | ||
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TanGeng
Sanya12364 Posts
On July 18 2009 05:15 zeppelin wrote: Aetna Insurance Group: "We will give you, Mercy General Hospital, $x million a year to make Aetna your exclusive healthcare provider. All doctors associated with Mercy General will only accept billing through Aetna, patients who carry any other insurance must carry full price." Mercy General Hospital: "Deal" *some months later* Bystander: "Help! 911! There's been an accident! The driver is unconscious and bleeding badly!" 911 dispatch: "Dispatch an ambulance and fire crew to the scene, route the victim to Mercy General Presented By Aetna, it's the only hospital in the area." If the victim has insurance through Cigna, they will be on the hook for everything. In a free market, they would be free to take their money elsewhere. But this isn't a free market. If a hospital partners with an insurance provider (and without government regulation, there is literally no reason for them to not do this), an emergency victim does not have a choice if they are dying or unconscious, they are taken to the closest place for medical care. As long as enough people get in car accidents, have heart attacks, go into labor, have seizures, contract pneumonia, etc. within geographical reach of the hospital and have no other place to go, this model will be successful and healthcare providers know it. You can't vote with your wallet because emergencies aren't something you can predict. If you're on vacation and you have to go to the hospital and they don't take your insurance, congratulations you're bankrupt. What are you going to do, tell your family and friends to change providers? What if they're the only game in town? And if every insurance company uses partnerships with medical providers to raise barriers to entry (which you'd better believe they would do), you would not have an alternative. Wow, just wow. I can't believe you would pose such an unrealistic scenario where patients have have insurance policies that had no emergency room coverage because they were sent to a certain hospital. It doesn't matter whether or not the hospital charges full price. Aetna could negotiate for a reduce fee for patients in their network. People under other coverage might not face a reduce fee, but that doesn't matter. What matters is whether or not a patient's insurance company steps in to cover the emergency room fee. That arrangement is entirely between an insurance agency and its clients. The insurance agency might reimburse more. It might reimburse less. It might not pay at all. The policy with the insurance agency matters more than what the hospital puts on its bills. That said if Aetna has an advantage in pricing in your location thanks to its negotiated rates, people in the area might be better off signing up with Aetna. But Aetna is competing and winning based on the quality and pricing of its service and its competitive advantage is its negotiated arrangement with hospital. This is natural in business. Larger entities have more negotiating power but face larger administration costs due to bureaucracy. Government regulations generally tend to tilt the scales in favor of larger entities since ensuring compliance requires a high level of bureaucracy. The main source of problems that may arise in your hypothetical is in the geographical monopoly of the hospital and not insurance. Exorbitant charges by the hospital would have to be countered by a some kind of community demonstration, building a new hospital in the area, and directing all marginal emergency cases to more distant emergency rooms. | ||
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TanGeng
Sanya12364 Posts
On July 18 2009 05:56 zeppelin wrote: Maybe the government bungled it because the government was being run by people who don't believe government can or should solve problems. That doesn't prove government "doesn't work", it proves only that the people governing did not want it to work. Why was the Apollo Program so much more effective than any attempted private space venture so far? How did that lurching inefficient government bureaucracy do better than the finest and most efficient businesses using technology that predated the VCR? Hint 1: private enterprise doesn't go into business if there isn't a reasonable profit potential Hint 2: Not everything that is beneficial for society is profitable Hint 3: "government is inefficient" is a very successful meme propagated by people far richer than any of us in order to have poor people advocate for them to have more avenues of profit-taking Apollo program and its counter part in USSR Sputnik were both huge wastes of money. They had no practical use. (It was certainly inspiring!) Manned-spacecraft was not very useful. It's still not all that useful. Most useful technology in space are all unmanned - communication satellites, spy satellites, and extraterrestrial telescopes. Development of technologies like the LEM and many other devices related to manned-space craft are still technological dead-ends with respect to useful applications earth-side. Currently, there are space faring ventures being launched with private capital. Total capitalization of each of these ventures is 30 times smaller than what NASA will spend in one single year, and they expect to be profitable - rather than a 20 billion dollar sinkhole every single year. Government is inefficient. I've seen it first hand. But sometimes it's extremely harmful and destructive. I could live with its inefficiency, if government would merely refrain from doing anything destructive. As for the faults in free society: Charity, altruism, and sense of community is really strong. Much of what is unprofitable and avoided by for-profit ventures will be covered by charities and through the kindness of neighbors. Beyond that, activities beneficial to society but unprofitable usually suffer from an incomplete or incorrect model for coordinating effort and resources from those willing to do the work and those that will eventually benefit. Develop the correct business model to do do these activities and it will get done. | ||
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