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Do people who don't have insurance deserve medical care?

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Re: Do people who don't have insurance deserve medical care?

Unread postby SeaGypsy » Thu 29 Mar 2012, 19:21:27

I have strong doubt that the British system or NZ are as bad as some have portrayed here, but nothing to back this up. Being able to sue for multi millions over a coffee scalding by an overworked nurse is an American syndrome I am very glad not to have here in Oz.

We have long (2 year-ish) waits for 'voluntary' treatments like hip replacements, for non private patients, but you will eventually get them done and it won't cost you your house. Asset tests for safety net medicare are near $300k for an individual and over $500k for an average family, before copayment is mandatory. Income tests are complex but you can own a nice home and earn $55k+ and not have to have any private insurance.

A personal example of our system.

My wife had a traumatic Cesarean section in the Philippines last year, which led to my having to pay a loan shark off and to her developing prolonged post natal depression. 5 months later the idiot government there released our new daughter's birth certificate. 2 weeks later I had her Aus citizenship and another week her Aus passport. I flew over there, collected the family and brought them back here.

On the night of her arrival (on a preliminary spouse visa) she was seen by the top psychiatrists (x3) and put on a support program with daily home visits and medical backup. A week later she was hospitalized for a week, in a private room in the cities top psych hospital. Released with every support imaginable, daily nurse visits, weekly psychiatric checks, family support and carer counselling for me.

Because of our difficulty she was granted an exemption from the normal 2 year waiting period for social security payments and began getting safety net payments. All of this on a technically temporary visa.

I have barely used the medical system here in my 3 decades living in Oz, paying my 1.5% in years where I earned over $50k (adjusted).
In the first month my wife and I received over $15k in support and treatments for her depression. If either of us call for help, the professionals are at our door within 2 hours. In an emergency they come in 5 minutes.

Without a doubt this system saved our marriage and quite possibly my wife's life; perhaps our children's also. My employers gave me 6 months leave with no notice at all, to assist my wife in recovery. I was given carer payments to help us get through financially. One agency paid 6 weeks of our rent on top of this. Another paid for full time child care for 3 months.

Now of course, some Romneyites are likely to say it would be better if we were bankrupted and/ or my wife and kids out the 3rd story window. Personally I have nothing but contempt for this attitude.
I am so grateful for the help we have had I can't express it in words.
I am now back at work, my wife is studying and beginning to work part time.

End result: happy productive family, willing to contribute to the society which has done so much for us.

What would have happened in the same circumstances if I had stayed in the US all those years ago? A disaster, from my understanding. Followed by total resentment and most likely my resorting to crime to get through.

As I said in a similar thread before/ those arguing against universal medical care are either rich (& selfish) or fools.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Fishman » Thu 29 Mar 2012, 21:57:00

"As I said in a similar thread before/ those arguing against universal medical care are either rich (& selfish) or fools."
Yep, not actually folks who think, pay bills or try to think and talk through a process. Sea, you have just described why the bill is collapsing at our Supreme Court. Arrogance
Obama, the FUBAR presidency gets scraped off the boot
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Re: Do people who don't have insurance deserve medical care?

Unread postby Lore » Thu 29 Mar 2012, 22:48:34

$this->bbcode_second_pass_quote('Fishman', '
')Yep, not actually folks who think, pay bills or try to think and talk through a process. Sea, you have just described why the bill is collapsing at our Supreme Court. Arrogance


Which is a canard, since there are millions of people in this country, that think, pay bills and have talked through the process only to face financially devastating health costs.

The biggest reason for personnel bankruptcies, 62% in the US is medical expenses. Nearly 78% of filers had some form of health insurance.
The things that will destroy America are prosperity-at-any-price, peace-at-any-price, safety-first instead of duty-first, the love of soft living, and the get-rich-quick theory of life.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Satori » Thu 29 Mar 2012, 23:23:49

"Yep, not actually folks who think, pay bills or try to think and talk through a process. Sea, you have just described why the bill is collapsing at our Supreme Court. Arrogance"


nice Fox News Talking points
how much are you paid to post on the net ????

let me see you "talk through" a hospital bill for a couple hundred thousand $$$
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Re: Do people who don't have insurance deserve medical care?

Unread postby AdTheNad » Fri 30 Mar 2012, 04:59:08

$this->bbcode_second_pass_quote('SeaGypsy', 'I') have strong doubt that the British system or NZ are as bad as some have portrayed here, but nothing to back this up. Being able to sue for multi millions over a coffee scalding by an overworked nurse is an American syndrome I am very glad not to have here in Oz.

As a Brit, I think the NHS is amazing. It sickens me what the Tories are trying to do it, and the American healthcare systems is quite frankly disgusting. That so many people in America are still so opposed to universal healthcare shows just how broken your country is. Even when we see how bad healthcare is over there for so many, how many people become bankrupted, and the percentage of GDP that goes on it more than other civilised countries.

The freedom of speech (very good) mixed with the freedom from consequence to lie (very bad) means the advertisers/ MSM can spend enough money to convince enough people that black is white.
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Re: Do people who don't have insurance deserve medical care?

Unread postby SeaGypsy » Fri 30 Mar 2012, 05:32:37

Republicans should hound their reps to hell over this single issue. Disgusting is barely strong enough a word for this abominable projection of the ethics of selfishness and greed onto the masses. Hideous, foul beyond words.
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Re: Do people who don't have insurance deserve medical care?

Unread postby diemos » Fri 30 Mar 2012, 08:38:33

"Do people who don't have insurance deserve medical care?"

As long as they agree to have themselves and all of their children irreversibly sterilized ... yes! :shock:
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Re: Do people who don't have insurance deserve medical care?

Unread postby Lore » Fri 30 Mar 2012, 09:30:15

$this->bbcode_second_pass_quote('diemos', '&')quot;Do people who don't have insurance deserve medical care?"

As long as they agree to have themselves and all of their children irreversibly sterilized ... yes! :shock:


Thanks for proving our non-US friends point.
The things that will destroy America are prosperity-at-any-price, peace-at-any-price, safety-first instead of duty-first, the love of soft living, and the get-rich-quick theory of life.
... Theodore Roosevelt
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Re: Do people who don't have insurance deserve medical care?

Unread postby Pops » Fri 30 Mar 2012, 10:43:55

I paid for insurance for 30 years, going into the recession I was forced to let it lapse, now I have a pre-existing condition and for all intents and purposes I'm uninsurable.

On another note, malpractice is a red herring. All the costs of malpractice, including defensive medicine, amount to only a couple of percent of the cost of healthcare. The US pays twice the percentage of GDP for medical care as other modern economies, approaching 20%, so "tort reform" would amount to a rounding error. In fact, I thought suing each other was the conservative alternate to regulation?
The legitimate object of government, is to do for a community of people, whatever they need to have done, but can not do, at all, or can not, so well do, for themselves -- in their separate, and individual capacities.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Timo » Fri 30 Mar 2012, 11:07:46

All valid points and questions, here. However, whether or not "Obamacare" passess the constitutionality test, the only question worth asking is what kind of culture do we want to be? On the one hand, the argument against universal healthcare seems to promote the recreation/devolution to a serf-society. On the other hand, we can culturaly evolve to a state where everyone truly is treated and respected equally under the law, where the expectations of everyone are the same, and ditto with benefits. Personally, i find the "haves v have nots" approach repulsive and demeaning to our entire country, and lowers the standing morals and ethics of who we are as a society. In my book, the constitutionality of universal health care is meaningless. Let's define the kind of society we want to live in, and make that society happen. The entire cultural rhetoric going on right now about the issue (and many, many others) is pushing us all back to the days before humanity could claim any sense of being civilized. The presence of laws and order are different from being civilized, btw.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Lore » Fri 30 Mar 2012, 11:07:47

$this->bbcode_second_pass_quote('Pops', 'I') paid for insurance for 30 years, going into the recession I was forced to let it lapse, now I have a pre-existing condition and for all intents and purposes I'm uninsurable.

On another note, malpractice is a red herring. All the costs of malpractice, including defensive medicine, amount to only a couple of percent of the cost of healthcare. The US pays twice the percentage of GDP for medical care as other modern economies, approaching 20%, so "tort reform" would amount to a rounding error. In fact, I thought suing each other was the conservative alternate to regulation?


Why Pops don't you know? You're suppose to rely on the kindness of your family, church and neighbors to help you out. Just like in Medieval times, I'm certain they will gladly carry your lifeless body out and pile it in the cart.
The things that will destroy America are prosperity-at-any-price, peace-at-any-price, safety-first instead of duty-first, the love of soft living, and the get-rich-quick theory of life.
... Theodore Roosevelt
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Re: Do people who don't have insurance deserve medical care?

Unread postby Plantagenet » Fri 30 Mar 2012, 12:24:48

$this->bbcode_second_pass_quote('Lore', '')$this->bbcode_second_pass_quote('Pops', 'I') paid for insurance for 30 years, going into the recession I was forced to let it lapse, now I have a pre-existing condition and for all intents and purposes I'm uninsurable.


Why Pops don't you know? You're suppose to rely on the kindness of your family, church and neighbors to help you out. Just like in Medieval times, I'm certain they will gladly carry your lifeless body out and pile it in the cart.


The US medical system is totally FUBARed up.

Just hang in there a bit longer, Pops! We're all backing you up. Medicare eligibility starts at 65, or earlier if you have what the SS administration considers to be a disability. :idea:
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Re: Do people who don't have insurance deserve medical care?

Unread postby Pops » Fri 30 Mar 2012, 14:47:49

Thanks Plant, I wasn't complaining, much, LOL My drugs are only a couple hundred a month, lots aren't so lucky.

I was just pointing out one of the many flaws with the "for profit" healthcare system. The emphasis is on the profit side of course and the capitalist incentive as always is to provide as little service as possible (healthcare in this case ) for the greatest price. Folks like me who pay their dues for years but make the wrong move at the wrong time get hosed as a matter of course, it's part of the calculation, it puts us in to the profit category. Everyone knows that and everyone bets that it won't happen to them and a few invariably mistake their good luck for virtue.

The argument in a nutshell is should insurance companies decid who gets treatment based on their own profitability or should society decide based on what society thinks is right and ethical. Currently the capitalists are winning, having convinced enough of the gullible that society is corrupt and only profit is virtuous. No wonder Reagan is a minor god among the owners.

Pretty sad really, Obama proved to not only be not a progressive but more right wing than most republicans and lead the government to force people to buy insurance guaranteeing the corps a 20% Oh/P margin (although "wasteful" government insurance gets by on 3%).

All that was required was to remove the age limit on Medicare and a majority of society agreed:

Image

http://www.medicareforall.org/pages/Cha ... ns_Support
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Re: Do people who don't have insurance deserve medical care?

Unread postby Outcast_Searcher » Fri 30 Mar 2012, 14:48:28

$this->bbcode_second_pass_quote('Timo', ' ')Personally, i find the "haves v have nots" approach repulsive and demeaning to our entire country, and lowers the standing morals and ethics of who we are as a society. In my book, the constitutionality of universal health care is meaningless. Let's define the kind of society we want to live in, and make that society happen.
....
The presence of laws and order are different from being civilized, btw.


Well, that all sounds real nice, if the universe were full of flowers and unicorns and we all got what we wanted, just because we want it, via magic.

Unfortunately, we don't live in that world, so society needs to make decisions and make PRIORITIES, since we don't have infinite resources.

How do you propose to PAY FOR the kind of society, when we "make that society happen"? What programs/services, etc. are you willing to give up, if you want to make free universal health care a reality?

Is "civilized" a code word for "all liberal programs one could dream up are present without limit", paid for by those who didn't earn the money? Whining loudly that one "NEEDS" things (supplied by others) doesn't imply adherence to reasonable civilized behavior, any more than (for example) GOP values like the rich paying no taxes, or having military spending without end.

Society needs to come up with some sort of compromise, realize that there is no such thing as something for nothing, and act accordingly. Neither the left nor the right seems to be able or willing to do that, and thus our worsening economic predicament.
Given the track record of the perma-doomer blogs, I wouldn't bet a fast crash doomer's money on their predictions.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Sixstrings » Fri 30 Mar 2012, 17:47:50

$this->bbcode_second_pass_quote('Pops', 'I') paid for insurance for 30 years, going into the recession I was forced to let it lapse, now I have a pre-existing condition and for all intents and purposes I'm uninsurable.


Obamacare means you could get insurance again. Republicans don't want you to have that. Even this one little thing, ending the pre-existing condition disqualification, Republicans have fought tooth and nail for decades.

Why Republicans don't want you to have insurance, I don't know. Maybe ask Fishman.

$this->bbcode_second_pass_quote('Pops', 'P')retty sad really, Obama proved to not only be not a progressive but more right wing than most republicans and lead the government to force people to buy insurance guaranteeing the corps a 20% Oh/P margin (although "wasteful" government insurance gets by on 3%).


True. And that was always my criticism of Obamacare (though if it stands, at least you *can* get insurance again).

The great irony here is that Obamacare was the Republican healthcare plan, but they won't accept even this.
Last edited by Sixstrings on Fri 30 Mar 2012, 18:10:43, edited 1 time in total.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Sixstrings » Fri 30 Mar 2012, 17:56:00

$this->bbcode_second_pass_quote('Plantagenet', 'J')ust hang in there a bit longer, Pops! We're all backing you up. Medicare eligibility starts at 65, or earlier if you have what the SS administration considers to be a disability. :idea:


What's that mean? What if Pops needs expensive medical care, are you going to help?

This isn't a joke, he doesn't have insurance and he can't get insurance all because you conservatives "hate Obama" so much. Your Libertarian theories have consequences, people suffer, maybe one day you too won't have insurance you never really know for SURE what turns life can take.

As for Medicare and Social Security.. guess what, the party you plan to vote for wants to crank the eligibility ages up so he may not get that either.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Pops » Fri 30 Mar 2012, 18:13:59

$this->bbcode_second_pass_quote('Sixstrings', '[')Even this one little thing, ending the pre-existing condition disqualification, Republicans have fought tooth and nail for decades.

No, you can't eliminate the ban on pre-existing conditions unless either we all pay for universal care via a tax of some kind (Universal Medicare) or we all pay for universal care plus support the for profit insurance corps to boot (ACA).

If a person could wait and not pay for insurance until they needed it and then sign up as soon as they get sick, no one would have insurance till they were sick. That won't work. The basis of insurance is pooled risk, if the only people in the pool are sick, there is no point in having insurance.

Today the insurance corps try to limit the pool to healthy people, that doesn't work too good either.

But Plant is right, as long as workers continue paying payroll tax there is universal healthcare for old people. Don't you see all those signs at the Tea Rallies about keeping governments hands off Medicare?
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Re: Do people who don't have insurance deserve medical care?

Unread postby Cog » Fri 30 Mar 2012, 18:22:06

I wouldn't be counting on Medicare five years from now. Or any other social service.

I will help to bury Pops if I am asked. Its the least I can do as a Libertarian.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Plantagenet » Fri 30 Mar 2012, 18:44:49

$this->bbcode_second_pass_quote('Sixstrings', ' ')he can't get insurance all because you conservatives "hate Obama" so much.


If you hate Obama, that is your business----but please speak for yourself and don't ascribe your wacky views to me.

I think Obama is a great man and a historic figure....I just don't think the vast majority of his policies have worked out very well---and the Obamacare disaster is another example of Obama's policy failures.
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Re: Do people who don't have insurance deserve medical care?

Unread postby Sixstrings » Fri 30 Mar 2012, 18:57:39

$this->bbcode_second_pass_quote('Pops', 'N')o, you can't eliminate the ban on pre-existing conditions unless either we all pay for universal care via a tax of some kind (Universal Medicare) or we all pay for universal care plus support the for profit insurance corps to boot (ACA).


If Obamacare remains law, then you will have to buy insurance from the new exchange, or pay a fine.

The companies in the exchange must accept you regardless of pre-existing condition. They can, however, charge you more than they would a "healthy" person. So that remains to be seen -- a bad situation would be if even the new Obamacare policy is too expensive for you (and millions other uninsured) to pay. This I'm not sure on. So that would suck though, if you had to pay the fine instead and still no insurance.

It's worth looking into, if this stays the law you'll have to buy one of these policies or pay the fine.

$this->bbcode_second_pass_quote('', 'I')f a person could wait and not pay for insurance until they needed it and then sign up as soon as they get sick, no one would have insurance till they were sick.


Yeah, but.. thing is.. employer plans cover all the employees no matter who is sick or what pre-existing conditions they have. If you're well enough to work at a company offering insurance, then you get insurance.

The people getting stuck in this trap are part time workers, small business workers, and the self-employed. Not going to give you advice because it's not my business, but you *could* do something like walmart greeter or some easy paper pushing cubicle job just to get the insurance. Or your spouse could. There are also some work at home phone rep jobs with insurance. None may be good / desirable options, and this is where it's bad to be an American, way things are here you're punished for being an entrepreneur or self-employed (no insurance).

Canadians and Australians feel free to be self employed or try different kinds of work, they're never trapped in a job just for the sake of health insurance. This has made our economy inflexible, objectively it's a bad problem on many levels.
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