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Why people are afraid of universal health care

It is dangerous that so many people on social media are using this murder as an occasion to air their concerns about the American healthcare system. A man was murdered in cold blood in what was probably a professional hit, and the response in left leaning spaces has mostly been muted. A large proportion of the comments I see are along the lines of "murder is bad, but maybe healthcare will be less expensive for poor people now," etc.

To me this isn't something to politicize or talk out of both sides of my mouth about. "Murder is bad" is not a liberal or conservative idea, it's a human idea. This is completely out of bounds for a civilized society.
People are murdered everyday. This person had no more value than the next. Most often the murder had some grudge against the victim as only 10-12% of murders are random. This one had messages scrawled on the bullet casings.
My personal theory is that this murder was NOT a reaction to any health care decision, etc. but personal, with the messages on bullets chosen to misdirect investigations.
It does have a strong reek of a professional hit.
It has the smell of a hit by an operator of some kind, but it's more just the sort of thing that requires an education and cleverness.

The thing is, someone doesn't need to be a professional for that to occur.

The reality is that anyone who has any desire to not be caught is going to think all the way through all the ways society tracks crimes like this.

Everything from weapons to logistics to movement to keeping a low profile while protecting identity... It was probably planned for a while, of the whole idea was "how do I move in a hood without being sus", for example.

This means either STRONG motive or very high pay.

For this "victim", it could go either way. There are lots of people who stood to make money. There are a lot of people who misdirect their hate for a bad system on a figurehead.
Which I think argues for a more personal motive. But probably I just watch to many thrillers…
Just doesn’t feel like a DIY thing.
In the circles he ran in, people don’t do their own dirty work.
Oh, for sure: a professional —or highly motivated and skilled amateur. Which does NOT mean that it is not for personal rather than professional reasons.
 
It’s true that a disproportionate share of health care costs is driven by a small percentage of the population. However, as you pointed out, most of us are already contributing to these costs through employer-sponsored insurance or other mechanisms. Universal health care simply formalizes and equalizes this process, ensuring that everyone contributes fairly and benefits when they need it. It removes the hidden costs and inefficiencies that exist in the current system, such as emergency room care for the uninsured, which we all ultimately pay for.

You suggest that the ability to opt out of current systems preserves individual choice. While this may seem ideal in theory, in practice, it often leads to gaps in coverage and higher costs for everyone as market-driven approaches often exacerbate inequities and inefficiencies.. Universal systems eliminate these disparities, ensuring a baseline of care for all while potentially allowing for supplemental private insurance for those who want more.
Good post, overall. I'm just picking a snippet to keep the nested quote size down.

I didn't mention opting out to imply that it's a good thing or that individual choice is always the right approach. In the case of health care, I don't actually think it's a good thing... for a large variety of reasons.

That said... universal care isn't my favored approach - but not for the reasons that most people would put forth.

The US has some different existing dynamics that other countries don't have. We have a deeply entrenched fully private and profit-driven delivery system. We ended up with employer sponsored health insurance endemic in our society over a relatively short span of time - where other countries moved to UHC instead. We have a gordian knot in the US and we can't just cut it in half and be done with it, because there are a lot of negative consequences of that.

My preferred approach for the US specifically is to actually start with the delivery system and just nationalize that sucker. All doctors, nurses, clinicians, therapists, etc. would be salaried government employees (complete with federal benefits). Medical training would be government funded based on aptitude and ability to complete the coursework satisfactorily. Facilities would be government owned - and distributed in a way that allows access in less urban areas instead of the current health care deserts that we're dealing with. Drugs pricing would be negotiated federally.

We can talk about Universal Access until we all asphyxiate from lack of air to our brains, but the reality is that the single biggest driver of the disparity in costs between the US and other developed countries is on the delivery side of the equation.
Not all health care systems are for profit. I'll name three of the best known in terms of excellence that exist within the US: Mayo Clinic, Johns Hopkins and Cleveland Clinic. I know that there are others, but these are three names that most people should be familiar with. I am most familiar with Mayo Clinic which pays all physicians a salary: there is no fee for service component of compensation. I know that Mayo Clinic and I assume the other two also do a fair amount of charity work: gratis or very low cost. Now, these are all very well endowed institutions which, sadly enough, is NOT true for most local clinics and hospitals. However, they do present models for how to center health care on patients and not profits and how to provide excellent care.
No offense Toni, but you don't seem to understand that the so called non profit healthcare systems are somewhat of a scam. I'm not saying they don't provide good care, but they make plenty of money.

http://wdtw.org/stories/2020/5/18/are-nonprofit-hospitals-really-nonprofit-answer-no

Studies say that hospitals are the largest individual contributors to US healthcare costs and that Americans spend over $1 trillion a year at hospitals, about a third of the US annual healthcare spending. We saw in our previous We Do the Work report that hospitals were reported to be the 2nd most profitable industry in the US, just behind #1, commercial banking. Hospital systems have been consolidating for years, giving patients fewer choices (in rural areas, pretty much no choice) and hospitals the ability to raise prices at will. Ironically, most of these profitable hospitals are “nonprofits,” a status that comes with huge benefits for hospital executives’ compensation packages and hospitals’ bottom lines, but not for patients and not for hospitals’ frontline workers treating COVID patients.

US hospitals: profit, nonprofit and government-owned/run

The vast majority of US community hospitals (56%) are nonprofits. Only 25% are for-profit (that is, they’re owned by investors just like GM and Walmart and structured to benefit these investors via dividends, appreciating stock prices, and the like). And 19% are owned by state and local governments. The federal government also owns and runs hospitals—for example, the VA system.
hospital table.jpg

In more urban areas like Minneapolis/St. Paul, the major hospitals systems are typically structured as nonprofits as is true of Allina, HealthPartners, M Health Fairview, and the Mayo Clinic.

Nonprofit hospitals as “charities”

Many nonprofit hospitals started life as religious institutions, part of a church or religious order. You’ll see these histories hyped in hospitals’ marketing pieces—how nuns started the first hospital in the 1800s, typically treating working class and indigent patients. The nuns are long gone as are the days of providing free care to the poor and suffering. These hospitals are now profit-generating machines staffed by well-compensated professional administrators with business backgrounds and free-market ideology. They’re often the biggest employer in their cities and generate revenue exceeding that of the local municipal government. (Even so, one big, successful nonprofit hospital system in the Midwest and West continually refers to its system as “our ministry.”)

Nonprofit hospitals are structured as public charities. Their charitable mission is to provide the latest medical technology and affordable healthcare to the communities they serve. Any profits they make (what’s left over after subtracting their expenses from their revenues) are supposed to be invested in their charitable mission. Unlike for-profit hospitals, nonprofits have no investors looking for dividends or an appreciating stock price. That said, both nonprofit and for-profit hospitals are private corporations. They are not publicly owned like government-run hospitals, and the public has no say in how they operate, what they charge, what care they provide, and what they do with their profits.

The benefit of nonprofit status? simple: Nonprofit hospitals don’t pay taxes

 
It’s true that a disproportionate share of health care costs is driven by a small percentage of the population. However, as you pointed out, most of us are already contributing to these costs through employer-sponsored insurance or other mechanisms. Universal health care simply formalizes and equalizes this process, ensuring that everyone contributes fairly and benefits when they need it. It removes the hidden costs and inefficiencies that exist in the current system, such as emergency room care for the uninsured, which we all ultimately pay for.

You suggest that the ability to opt out of current systems preserves individual choice. While this may seem ideal in theory, in practice, it often leads to gaps in coverage and higher costs for everyone as market-driven approaches often exacerbate inequities and inefficiencies.. Universal systems eliminate these disparities, ensuring a baseline of care for all while potentially allowing for supplemental private insurance for those who want more.
Good post, overall. I'm just picking a snippet to keep the nested quote size down.

I didn't mention opting out to imply that it's a good thing or that individual choice is always the right approach. In the case of health care, I don't actually think it's a good thing... for a large variety of reasons.

That said... universal care isn't my favored approach - but not for the reasons that most people would put forth.

The US has some different existing dynamics that other countries don't have. We have a deeply entrenched fully private and profit-driven delivery system. We ended up with employer sponsored health insurance endemic in our society over a relatively short span of time - where other countries moved to UHC instead. We have a gordian knot in the US and we can't just cut it in half and be done with it, because there are a lot of negative consequences of that.

My preferred approach for the US specifically is to actually start with the delivery system and just nationalize that sucker. All doctors, nurses, clinicians, therapists, etc. would be salaried government employees (complete with federal benefits). Medical training would be government funded based on aptitude and ability to complete the coursework satisfactorily. Facilities would be government owned - and distributed in a way that allows access in less urban areas instead of the current health care deserts that we're dealing with. Drugs pricing would be negotiated federally.

We can talk about Universal Access until we all asphyxiate from lack of air to our brains, but the reality is that the single biggest driver of the disparity in costs between the US and other developed countries is on the delivery side of the equation.
Not all health care systems are for profit. I'll name three of the best known in terms of excellence that exist within the US: Mayo Clinic, Johns Hopkins and Cleveland Clinic. I know that there are others, but these are three names that most people should be familiar with. I am most familiar with Mayo Clinic which pays all physicians a salary: there is no fee for service component of compensation. I know that Mayo Clinic and I assume the other two also do a fair amount of charity work: gratis or very low cost. Now, these are all very well endowed institutions which, sadly enough, is NOT true for most local clinics and hospitals. However, they do present models for how to center health care on patients and not profits and how to provide excellent care.
No offense Toni, but you don't seem to understand that the so called non profit healthcare systems are somewhat of a scam. I'm not saying they don't provide good care, but they make plenty of money.

http://wdtw.org/stories/2020/5/18/are-nonprofit-hospitals-really-nonprofit-answer-no

Studies say that hospitals are the largest individual contributors to US healthcare costs and that Americans spend over $1 trillion a year at hospitals, about a third of the US annual healthcare spending. We saw in our previous We Do the Work report that hospitals were reported to be the 2nd most profitable industry in the US, just behind #1, commercial banking. Hospital systems have been consolidating for years, giving patients fewer choices (in rural areas, pretty much no choice) and hospitals the ability to raise prices at will. Ironically, most of these profitable hospitals are “nonprofits,” a status that comes with huge benefits for hospital executives’ compensation packages and hospitals’ bottom lines, but not for patients and not for hospitals’ frontline workers treating COVID patients.

US hospitals: profit, nonprofit and government-owned/run

The vast majority of US community hospitals (56%) are nonprofits. Only 25% are for-profit (that is, they’re owned by investors just like GM and Walmart and structured to benefit these investors via dividends, appreciating stock prices, and the like). And 19% are owned by state and local governments. The federal government also owns and runs hospitals—for example, the VA system.
hospital table.jpg

In more urban areas like Minneapolis/St. Paul, the major hospitals systems are typically structured as nonprofits as is true of Allina, HealthPartners, M Health Fairview, and the Mayo Clinic.

Nonprofit hospitals as “charities”

Many nonprofit hospitals started life as religious institutions, part of a church or religious order. You’ll see these histories hyped in hospitals’ marketing pieces—how nuns started the first hospital in the 1800s, typically treating working class and indigent patients. The nuns are long gone as are the days of providing free care to the poor and suffering. These hospitals are now profit-generating machines staffed by well-compensated professional administrators with business backgrounds and free-market ideology. They’re often the biggest employer in their cities and generate revenue exceeding that of the local municipal government. (Even so, one big, successful nonprofit hospital system in the Midwest and West continually refers to its system as “our ministry.”)

Nonprofit hospitals are structured as public charities. Their charitable mission is to provide the latest medical technology and affordable healthcare to the communities they serve. Any profits they make (what’s left over after subtracting their expenses from their revenues) are supposed to be invested in their charitable mission. Unlike for-profit hospitals, nonprofits have no investors looking for dividends or an appreciating stock price. That said, both nonprofit and for-profit hospitals are private corporations. They are not publicly owned like government-run hospitals, and the public has no say in how they operate, what they charge, what care they provide, and what they do with their profits.

The benefit of nonprofit status? simple: Nonprofit hospitals don’t pay taxes

Oh, Im extremely aware of how much non-profit medical systems make, how much they are endowed, compensation for their CEO’s, etc. That does not alter the fact that at least for some of such systems. physicians are salaried and in my experience, that absolutely DOES change how the physicians interact with patients. Instead of double and triple booking patients, the appointment time belongs to one patient. Questions are welcomed and relevant information gathered and get this: the doctors remember you. Oh, not some of the surgeons—you know surgeons—but yes: the doctors are actively engaged in conversation with the patients, in an unhurried manner.
 
https://finance.yahoo.com/news/mayo-clinics-latest-strong-quarter-172200236.html?fr=sycsrp_catchall

So after expenses, they only made about a measly half a billion. /s Poor Mayo Clinic. I had read about the nonprofit bullshit several years ago and just wanted to explain that nonprofits make plenty of money. Emory is another so called non profit. Anyway, this entire thread is all over the place, so I'd thought I join in. :)

Mayo Clinic's latest 'strong' quarter generated a historic $5 billion in net revenue​

Jeff Kiger, Post-Bulletin, Rochester, Minn.
Updated 3 min read



Aug. 21—ROCHESTER — Mayo Clinic is continuing this year's "strong" financial results with a historic quarterly net revenue of $5 billion as its operating income climbed by 49%, to $449 million compared to $300 million for the second quarter of 2023.

Total revenue increased by 12%, to $5.01 billion, compared to $4.47 billion in 2023. Expenses also grew by 9.4%, to $4.56 billion for the quarter, which ended June 30.
I tried to post this earlier but couldn't.

And, btw, a lot of corporately owned practices also pay their doctors a salary, and so do many corporate hospitals, at least when it comes to those who work in the hospitals. I've read editorials written by doctors who are disgusted with our current system and who say they are ready for universal health care as they are very overworked in the current system.

I know that when I started working in home health, I worked for a government agency once in SC and once in NC. The work load was reasonable and the care was usually excellent. I was on the UR and QA committee. We didn't push unnecessary care to make money.

About 10 years later, just about all home health agencies became private corporations with profit motivation as the primary goal. The work load was insane and the nurses were expected to drive about 80 or 90 miles per day in addition to visiting a higher number of patients compared to my government jobs. I couldn't do it, so I ended up in QA when we moved to Florida.

I worked in QA for 2 different corporations and the quality of the work really suffered. We had a few good nurses who did a great job, but since at that time, the nurses were paid per visit, we had some nurses who did more than they were able to provide quality care. I remember one of the worst who always took on a large number of visits for the money. One time she did a digoxin level on a patient who was no longer taking that drug. Management didn't like me finding all of the mistakes, but that was my job. I recall over hearing the administrator once saying, "We must maximize profit." I've never worked for a nongovernmental nonprofit agency, so I can't compare it to the profit making ones, but I do know that home health care quality has gone down hill in recent years and there is a large shortage of nurses willing to do the type of work that I once considered my dream job.

This is one more reason why I support some type of publicly supported health care for all. And yes, premiums could be based on income. Part B Medicare already does that although there are only two different levels, unless that has changed. I'm not saying that all government care is excellent. I did some temporary work for a public health department that had poor quality of care, but sometimes it'a a matter of under funding or the person in charge is incompetent. What we have now is a nightmare. It's not going to change anytime soon, but perhaps one day our politicians will come to their senses and realize it's in everyone's best interest to provide care for all.

I know that many countries who have systems like Medicare for all are experiencing problems. I think the solution is to have reasonable copays, and premiums based on income. Plus we spend too much money on aggressive end of life care, which most people don't even want. For example, my mother in law was pushed into having dialysis by her doctor and my bro in law at age 86. She never wanted it and when she had stroke while nearly 90, they wanted her to continue. I talked them into letting her make her own decision. Since the stroke left her unable to speak, I suggested they ask her if she wanted to end dialysis and go on hospice. The way I put it is that she squeezed their hands very tightly when they asked if she wanted to go on hospice. Why not offer some help at home to older adults so they can avoid nursing homes and not receive expensive useless end of life care that does nothing but prolong suffering.
 
United Healthcare's rejection rate is twice the average of other insurance companies, so I heard on a news program yesterday.
 
https://finance.yahoo.com/news/mayo-clinics-latest-strong-quarter-172200236.html?fr=sycsrp_catchall

So after expenses, they only made about a measly half a billion. /s Poor Mayo Clinic. I had read about the nonprofit bullshit several years ago and just wanted to explain that nonprofits make plenty of money. Emory is another so called non profit. Anyway, this entire thread is all over the place, so I'd thought I join in. :)

Mayo Clinic's latest 'strong' quarter generated a historic $5 billion in net revenue​

Jeff Kiger, Post-Bulletin, Rochester, Minn.
Updated 3 min read



Aug. 21—ROCHESTER — Mayo Clinic is continuing this year's "strong" financial results with a historic quarterly net revenue of $5 billion as its operating income climbed by 49%, to $449 million compared to $300 million for the second quarter of 2023.

Total revenue increased by 12%, to $5.01 billion, compared to $4.47 billion in 2023. Expenses also grew by 9.4%, to $4.56 billion for the quarter, which ended June 30.
I tried to post this earlier but couldn't.

And, btw, a lot of corporately owned practices also pay their doctors a salary, and so do many corporate hospitals, at least when it comes to those who work in the hospitals. I've read editorials written by doctors who are disgusted with our current system and who say they are ready for universal health care as they are very overworked in the current system.

I know that when I started working in home health, I worked for a government agency once in SC and once in NC. The work load was reasonable and the care was usually excellent. I was on the UR and QA committee. We didn't push unnecessary care to make money.

About 10 years later, just about all home health agencies became private corporations with profit motivation as the primary goal. The work load was insane and the nurses were expected to drive about 80 or 90 miles per day in addition to visiting a higher number of patients compared to my government jobs. I couldn't do it, so I ended up in QA when we moved to Florida.

I worked in QA for 2 different corporations and the quality of the work really suffered. We had a few good nurses who did a great job, but since at that time, the nurses were paid per visit, we had some nurses who did more than they were able to provide quality care. I remember one of the worst who always took on a large number of visits for the money. One time she did a digoxin level on a patient who was no longer taking that drug. Management didn't like me finding all of the mistakes, but that was my job. I recall over hearing the administrator once saying, "We must maximize profit." I've never worked for a nongovernmental nonprofit agency, so I can't compare it to the profit making ones, but I do know that home health care quality has gone down hill in recent years and there is a large shortage of nurses willing to do the type of work that I once considered my dream job.

This is one more reason why I support some type of publicly supported health care for all. And yes, premiums could be based on income. Part B Medicare already does that although there are only two different levels, unless that has changed. I'm not saying that all government care is excellent. I did some temporary work for a public health department that had poor quality of care, but sometimes it'a a matter of under funding or the person in charge is incompetent. What we have now is a nightmare. It's not going to change anytime soon, but perhaps one day our politicians will come to their senses and realize it's in everyone's best interest to provide care for all.

I know that many countries who have systems like Medicare for all are experiencing problems. I think the solution is to have reasonable copays, and premiums based on income. Plus we spend too much money on aggressive end of life care, which most people don't even want. For example, my mother in law was pushed into having dialysis by her doctor and my bro in law at age 86. She never wanted it and when she had stroke while nearly 90, they wanted her to continue. I talked them into letting her make her own decision. Since the stroke left her unable to speak, I suggested they ask her if she wanted to end dialysis and go on hospice. The way I put it is that she squeezed their hands very tightly when they asked if she wanted to go on hospice. Why not offer some help at home to older adults so they can avoid nursing homes and not receive expensive useless end of life care that does nothing but prolong suffering.
I know quite well that being non-profit is not the same thing as not earning money. They also treat more than a million patients a year.

I am also more than a little aware of how much some medical providers push for very aggressive end of life care —and that sometimes families push for aggressive care as well. I’ve been part of some of those decision making situations—and am grateful and surprised given that this was very Baptist country— that the providers for my parents at the end of their lives did not push for aggressive care —and did not stint on the morphine. Unfortunately not the case for my mother in law who suffered horrific chronic pain that the nursing home was unwilling to treat with anything other than ibuprofen or aspirin. I will never forgive myself for not inserting myself more into decisions about her care. She deserved far better than she got—at a minimum, she deserved not to be in agonizing pain.
 
https://finance.yahoo.com/news/mayo-clinics-latest-strong-quarter-172200236.html?fr=sycsrp_catchall

So after expenses, they only made about a measly half a billion. /s Poor Mayo Clinic. I had read about the nonprofit bullshit several years ago and just wanted to explain that nonprofits make plenty of money. Emory is another so called non profit. Anyway, this entire thread is all over the place, so I'd thought I join in. :)

Mayo Clinic's latest 'strong' quarter generated a historic $5 billion in net revenue​

Jeff Kiger, Post-Bulletin, Rochester, Minn.
Updated 3 min read



Aug. 21—ROCHESTER — Mayo Clinic is continuing this year's "strong" financial results with a historic quarterly net revenue of $5 billion as its operating income climbed by 49%, to $449 million compared to $300 million for the second quarter of 2023.

Total revenue increased by 12%, to $5.01 billion, compared to $4.47 billion in 2023. Expenses also grew by 9.4%, to $4.56 billion for the quarter, which ended June 30.
I tried to post this earlier but couldn't.

And, btw, a lot of corporately owned practices also pay their doctors a salary, and so do many corporate hospitals, at least when it comes to those who work in the hospitals. I've read editorials written by doctors who are disgusted with our current system and who say they are ready for universal health care as they are very overworked in the current system.

I know that when I started working in home health, I worked for a government agency once in SC and once in NC. The work load was reasonable and the care was usually excellent. I was on the UR and QA committee. We didn't push unnecessary care to make money.

About 10 years later, just about all home health agencies became private corporations with profit motivation as the primary goal. The work load was insane and the nurses were expected to drive about 80 or 90 miles per day in addition to visiting a higher number of patients compared to my government jobs. I couldn't do it, so I ended up in QA when we moved to Florida.

I worked in QA for 2 different corporations and the quality of the work really suffered. We had a few good nurses who did a great job, but since at that time, the nurses were paid per visit, we had some nurses who did more than they were able to provide quality care. I remember one of the worst who always took on a large number of visits for the money. One time she did a digoxin level on a patient who was no longer taking that drug. Management didn't like me finding all of the mistakes, but that was my job. I recall over hearing the administrator once saying, "We must maximize profit." I've never worked for a nongovernmental nonprofit agency, so I can't compare it to the profit making ones, but I do know that home health care quality has gone down hill in recent years and there is a large shortage of nurses willing to do the type of work that I once considered my dream job.

This is one more reason why I support some type of publicly supported health care for all. And yes, premiums could be based on income. Part B Medicare already does that although there are only two different levels, unless that has changed. I'm not saying that all government care is excellent. I did some temporary work for a public health department that had poor quality of care, but sometimes it'a a matter of under funding or the person in charge is incompetent. What we have now is a nightmare. It's not going to change anytime soon, but perhaps one day our politicians will come to their senses and realize it's in everyone's best interest to provide care for all.

I know that many countries who have systems like Medicare for all are experiencing problems. I think the solution is to have reasonable copays, and premiums based on income. Plus we spend too much money on aggressive end of life care, which most people don't even want. For example, my mother in law was pushed into having dialysis by her doctor and my bro in law at age 86. She never wanted it and when she had stroke while nearly 90, they wanted her to continue. I talked them into letting her make her own decision. Since the stroke left her unable to speak, I suggested they ask her if she wanted to end dialysis and go on hospice. The way I put it is that she squeezed their hands very tightly when they asked if she wanted to go on hospice. Why not offer some help at home to older adults so they can avoid nursing homes and not receive expensive useless end of life care that does nothing but prolong suffering.
I know quite well that being non-profit is not the same thing as not earning money. They also treat more than a million patients a year.

I am also more than a little aware of how much some medical providers push for very aggressive end of life care —and that sometimes families push for aggressive care as well. I’ve been part of some of those decision making situations—and am grateful and surprised given that this was very Baptist country— that the providers for my parents at the end of their lives did not push for aggressive care —and did not stint on the morphine. Unfortunately not the case for my mother in law who suffered horrific chronic pain that the nursing home was unwilling to treat with anything other than ibuprofen or aspirin. I will never forgive myself for not inserting myself more into decisions about her care. She deserved far better than she got—at a minimum, she deserved not to be in agonizing pain.
I'm sorry about your mother in law, but it's not your fault what happened, but I'm also disgusted that so many health care providers don't realize that NSAIDS are far more dangerous for older adults compared to narcotics. I had a patient who almost died from taking Meloxicam, and I had to stop taking ibuprofen because it caused bladder bleeds. All I can safely take is hydrocodone without any side effects, but I limit how much I take due to the fact that we all build up a tolerance to just about any pain med if we take it long enough. At least most of my former patients were given narcotics for pain, including the one who almost died from NSAIDS, after her recovery. She was severely mentally ill, but she tolerated the hydrocodone without any side effects.

I did have quite a few who were given fairly high doses of fentanyl, and one of them ended up with pneumonia due to how it decreased her respirations, but that pain doctor was a jerk, who who never listened to our concerns. After the big opioid crisis, he went in the other direction and under treated his patients for pain. I blame people like him for now making it very difficult for pain sufferers to get adequate relief. Maybe I should have put this in the pain thread, but it is related to how fucked up our health care is in the US. Universal health care with good guidelines and UR/QA committees could help solve a lot of this mess.
 
Oh, Im extremely aware of how much non-profit medical systems make, how much they are endowed, compensation for their CEO’s, etc. That does not alter the fact that at least for some of such systems. physicians are salaried and in my experience, that absolutely DOES change how the physicians interact with patients. Instead of double and triple booking patients, the appointment time belongs to one patient. Questions are welcomed and relevant information gathered and get this: the doctors remember you. Oh, not some of the surgeons—you know surgeons—but yes: the doctors are actively engaged in conversation with the patients, in an unhurried manner.
Health insurance is NOT insurance. Are there any neologists out there? With my health "insurance" the more claims I would make the more money my "insurer" makes. And my premiums don't change. With other insurance I have it is presumed that I am attempting to NOT MAKE CLAIMS because that will result in my premiums increasing because my insurer is losing money. With health insurance there is very little if any incentive to be healthy and to not make claims. Until that changes the system will never work. It's as if having accidents when I drive is good for my auto insurer and has no effect on my premiums.
 
Oh, Im extremely aware of how much non-profit medical systems make, how much they are endowed, compensation for their CEO’s, etc. That does not alter the fact that at least for some of such systems. physicians are salaried and in my experience, that absolutely DOES change how the physicians interact with patients. Instead of double and triple booking patients, the appointment time belongs to one patient. Questions are welcomed and relevant information gathered and get this: the doctors remember you. Oh, not some of the surgeons—you know surgeons—but yes: the doctors are actively engaged in conversation with the patients, in an unhurried manner.
Health insurance is NOT insurance. Are there any neologists out there? With my health "insurance" the more claims I would make the more money my "insurer" makes. And my premiums don't change. With other insurance I have it is presumed that I am attempting to NOT MAKE CLAIMS because that will result in my premiums increasing because my insurer is losing money. With health insurance there is very little if any incentive to be healthy and to not make claims. Until that changes the system will never work. It's as if having accidents when I drive is good for my auto insurer and has no effect on my premiums.
That’s because health insurance is designed to spread the risks and costs across the entire pool of the insured. There used to be a category of health insurance called high risk health insurance, something my mother was forced to be on after her traumatic brain injury. The premiums were extremely high, although her actual health care needs did not change for many years, until after she was Medicare qualified. So, health insurance companies did used to charge more if they could, for individuals they thought would cost them more in claims.

Auto insurance and home owners insurance take into account the value of what is insured, as well as location, and in the case of auto insurance, a driver’s record and claims.

ALL insurance is designed to maximize profits for the company and shareholders.
 
Oh, Im extremely aware of how much non-profit medical systems make, how much they are endowed, compensation for their CEO’s, etc. That does not alter the fact that at least for some of such systems. physicians are salaried and in my experience, that absolutely DOES change how the physicians interact with patients. Instead of double and triple booking patients, the appointment time belongs to one patient. Questions are welcomed and relevant information gathered and get this: the doctors remember you. Oh, not some of the surgeons—you know surgeons—but yes: the doctors are actively engaged in conversation with the patients, in an unhurried manner.
Health insurance is NOT insurance. Are there any neologists out there? With my health "insurance" the more claims I would make the more money my "insurer" makes. And my premiums don't change. With other insurance I have it is presumed that I am attempting to NOT MAKE CLAIMS because that will result in my premiums increasing because my insurer is losing money. With health insurance there is very little if any incentive to be healthy and to not make claims. Until that changes the system will never work. It's as if having accidents when I drive is good for my auto insurer and has no effect on my premiums.
That’s because health insurance is designed to spread the risks and costs across the entire pool of the insured. There used to be a category of health insurance called high risk health insurance, something my mother was forced to be on after her traumatic brain injury. The premiums were extremely high, although her actual health care needs did not change for many years, until after she was Medicare qualified. So, health insurance companies did used to charge more if they could, for individuals they thought would cost them more in claims.

Auto insurance and home owners insurance take into account the value of what is insured, as well as location, and in the case of auto insurance, a driver’s record and claims.

ALL insurance is designed to maximize profits for the company and shareholders.
So do you think people who smoke or are overweight should pay a higher premium for their health insurance compared to someone who does not smoke and is not overweight? I've always maintained that one-size-fits-all is not the way to go. The difference should not be great between the two individuals but there should be a difference, something to talk about at the coffee shop.

I also wanted to say something about deductibles. The employer plan I had before retirement and medicare had a large deductible of about $11,000.00. But that didn't mean a person had to shell out eleven grand before they could collect on a claim. Unless I had some kind of special arrangement - which I don't think I did - that deductible appklied to individual procedures. I paid so much per procedure, not everything up to 11K before receiving benefits. If that were the case then the out of pocket expenses would have made the coverage unaffordable when premiums are added on.
 
Oh, Im extremely aware of how much non-profit medical systems make, how much they are endowed, compensation for their CEO’s, etc. That does not alter the fact that at least for some of such systems. physicians are salaried and in my experience, that absolutely DOES change how the physicians interact with patients. Instead of double and triple booking patients, the appointment time belongs to one patient. Questions are welcomed and relevant information gathered and get this: the doctors remember you. Oh, not some of the surgeons—you know surgeons—but yes: the doctors are actively engaged in conversation with the patients, in an unhurried manner.
Health insurance is NOT insurance. Are there any neologists out there? With my health "insurance" the more claims I would make the more money my "insurer" makes. And my premiums don't change. With other insurance I have it is presumed that I am attempting to NOT MAKE CLAIMS because that will result in my premiums increasing because my insurer is losing money. With health insurance there is very little if any incentive to be healthy and to not make claims. Until that changes the system will never work. It's as if having accidents when I drive is good for my auto insurer and has no effect on my premiums.
That’s because health insurance is designed to spread the risks and costs across the entire pool of the insured. There used to be a category of health insurance called high risk health insurance, something my mother was forced to be on after her traumatic brain injury. The premiums were extremely high, although her actual health care needs did not change for many years, until after she was Medicare qualified. So, health insurance companies did used to charge more if they could, for individuals they thought would cost them more in claims.

Auto insurance and home owners insurance take into account the value of what is insured, as well as location, and in the case of auto insurance, a driver’s record and claims.

ALL insurance is designed to maximize profits for the company and shareholders.
So do you think people who smoke or are overweight should pay a higher premium for their health insurance compared to someone who does not smoke and is not overweight? I've always maintained that one-size-fits-all is not the way to go. The difference should not be great between the two individuals but there should be a difference, something to talk about at the coffee shop.

I also wanted to say something about deductibles. The employer plan I had before retirement and medicare had a large deductible of about $11,000.00. But that didn't mean a person had to shell out eleven grand before they could collect on a claim. Unless I had some kind of special arrangement - which I don't think I did - that deductible appklied to individual procedures. I paid so much per procedure, not everything up to 11K before receiving benefits. If that were the case then the out of pocket expenses would have made the coverage unaffordable when premiums are added on.
Actually, I do NOT think that people who are overweight or who smoke —or who are born with congenital conditions or a genetic predisposition to ( insert health condition/disease) should pay more for health insurance. Again, for those of you who did not get it the first time: health insurance spreads the risk and cost over the entire pool.

So does auto and homeowners insurance, but the model is different. I do NOT think that they should set the model for health care and indeed, I think that in fact, their models are rife with flaws. I am not in favor of penalizing people for health conditions—even those brought on by their own poor decisions. Living with a chronic health problem is punishment enough. And given that the basis of many health problems originate in early childhood or are genetically influenced, I really don’t think that it is fair to penalize people. Being overweight is bad enough but it’s not endangering anyone else the way that exceeding the speed limit is.

I think you are perhaps confusing it conflating maximum out of pocket per person/per family (if applicable) with deductible. For instance, our current insurance has a deductible on care that we pay out of pocket—until or unless we hit the maximum out of pocket for that calendar year. Almost any surgery would fulfill all of the maximum out of pocket and in fact has done so on the years one of us had to have surgery—me, minor and my husband, a few major surgeries. When our son was still in college and covered by both his parents, he fell on the ice and broke his ankle—which cost us a grand total of $25. A miracle considering he was at an out of state ( but in-network!) school.

For all of our surgeries, we would have been in bad shape ( or dead) if we had not had such good coverage.
 
Another victim of insane health care system?
I am surprised the guy was walking without a bunch of bodyguards and in bulletproof something everything.
Being assassinated by pissed off "customer" has to be an occupational hazard for medical insurance people.
Insanity of our insurance system or not, life expectancy in the US is significantly higher than in Russia. Especially for the wealthy. Despite the epidemic of gun violence. Maybe because fewer people in the US die from falling from a window or from deliberate poisoning.
 
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Another victim of insane health care system?
I am surprised the guy was walking without a bunch of bodyguards and in bulletproof something everything.
Being assassinated by pissed off "customer" has to be an occupational hazard for medical insurance people.
Insanity of our insurance system or not, life expectancy in the US is significantly higher than in Russia. Especially for the wealthy. Despite the epidemic of gun violence. Maybe because fewer people in the US die from falling from a window or from deliberate poisoning.
You compensate russian accidental falls statistics with fentanyl 1000 times over.
 
Another victim of insane health care system?
I am surprised the guy was walking without a bunch of bodyguards and in bulletproof something everything.
Being assassinated by pissed off "customer" has to be an occupational hazard for medical insurance people.
Insanity of our insurance system or not, life expectancy in the US is significantly higher than in Russia. Especially for the wealthy. Despite the epidemic of gun violence. Maybe because fewer people in the US die from falling from a window or from deliberate poisoning.
You compensate russian accidental falls statistics with fentanyl 1000 times over.
Not among close associates or rivals of our POTUS.....
 
Another victim of insane health care system?
I am surprised the guy was walking without a bunch of bodyguards and in bulletproof something everything.
Being assassinated by pissed off "customer" has to be an occupational hazard for medical insurance people.
Insanity of our insurance system or not, life expectancy in the US is significantly higher than in Russia. Especially for the wealthy. Despite the epidemic of gun violence. Maybe because fewer people in the US die from falling from a window or from deliberate poisoning.
You compensate russian accidental falls statistics with fentanyl 1000 times over.
Not among close associates or rivals of our POTUS.....
Well, associates of Hillary Clinton die too.
 
Just doesn’t feel like a DIY thing.
In the circles he ran in, people don’t do their own dirty work
Toldja so.
Guy named Luigi? Obviously a pro. 😄
Interestingly enough, I think I may have discovered a motive, or at least a cover motive--there may indeed be more personal reasons.

The person they arrested in the CEO death seems to be very intelligent and fairly accomplished. He's also very young.

I was on bluesky this morning and discovered posts about how perhaps we would have better gun control if it were rich CEOs being targeted instead of school kids.

I think someone wanted to be a martyr for the cause...
 
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