kipposhi

PARDON ME??

Which part of the US regulation is driving up medicare cost?
快樂牛郎 發表於 2010-2-8 14:27

Simply give you two examples.

1.  People in US cannot buy health insurance across the state border.  The population size for each pool is very limited.  This will increase the premium.

2.  Health insurance plans have to include clinical care.  As the expected claim number increases, the premium will increase too.

They are the fundamental knowledge of insurance.  If you want to know why the above can cause the premium to increase, you can study actuary.

kipposhi

Now you are saying the governments in the world should not have education and healthcare departments.
That only tells us that you are insane.
peter236 發表於 2010-2-8 16:00

This tells me you do not know economics and mathematics.

kipposhi

Now you are saying we should burn more fossil fuels.
okay you have exposed yourself as illogical again.
peter236 發表於 2010-2-8 16:02

If more carbon dioxide can increase the temperature, shouldn't we burn more fossil fuels to counter global cooling?

kipposhi

There are countries with no education nor health department in the government?
myversa 發表於 2010-2-8 16:05

100 years ago, most countries did not have them.  Therefore, the market but not the government determined what were valuable in education and health industries.  Parents were free to choose the schools for their children.

P.S.  When I studied high school in Canada, I already felt the resources wastefulness.  Why do they spend so much time and money teaching that little knowledge?  Some of them are useless.

kipposhi

This is just an adminstration issue.  Insurance companies can sell insurance in other states, as long as they are approved by the regulators.  Almost all physicians have contracts with insurance providers.  Imagine the overhead if you have 60 different insurers selling insurance in one city.  How many different claim systems do you need?  At the end, a doctor would only pick a couple insurers to work with.  This limits your accessibility as a patient.  Consolidations might happen over the long run, leading to a few major players dominating the entire country.  However, this is not what the government wants and I am not sure if it's really good for the consumers.
快樂牛郎 發表於 2010-2-9 01:57

US citizens are allowed to buy insurance with the state of their residence.  This law is passed by the regulators at federal level.  Selling health insurance across the state border is illegal.  Therefore, this is not the fault of private sector.  (It is like, a BC resident cannot buy health insurance offered from any provinces other than BC.)

What exactly do you mean by clinical care?  You mean regular office visits and preventive care? It's inpatient stays in hospitals that are driving medical costs up.  You talked about utilizations going up but didn't talk about the cost side.  You could have a lot of office visits but each only costs $100 - $150 where as a hospital stay can cost you $100K.
快樂牛郎 發表於 2010-2-9 01:57

Yes, I mean regular office visit.  This is one of the reasons driving the premium up.  The cost of outpatient usually is not high.  But when this kind of service has to be included in health insurance, the premium will go up as the expected claims increase even the insureds do not claim it.  

Inpatient stays in hospital is other issue caused by US federal regulation.

Many laws passed by the government are ridiculous.  Lobbying in US by special interest groups and unions is a very serious problem.

kipposhi

I wonder why we bother wasting time educating you here. Clearly, your recent posts have showed that you are a LYK that has gone insane.
There are so many harmful gases from fossil fuels. There are al ...
peter236 發表於 2010-2-9 02:31

你這個腦殘 Crude oil consists of mainly hydrocarbon.  Do you know of the crude oil composition?  Google it yourself.

I did not say privatizing all highways.  Obviously, you did not read it carefully.

Why should everything be privatized?
1.  Because you don't know the function of government.
2.  Because you don't know mathematics, you may not be able to understand it.

kipposhi

That only means the direction and policy that school board takes is wrong but it does not mean that a country should not have its school board to govern school policies.  Without school board, teacher can teach whatever they want and there will be no standard.  There will be no size limit for one school and all the people can go to whatever the "good" school and leave "bad" school empty.
myversa 發表於 2010-2-9 08:32

When operating a school is a kind of business, the boss of the school can decide what a good teacher is, which teacher should be hired, how much each particular teacher should be paid, how many students can enter that school, etc.  If a teacher teaches useless materials to students, how likely the students (or parents of the students if the students are too young) would choose that teacher's courses?  Then, if that teacher cannot generate profit for the boss, would the boss fire that teacher?  If the boss pays abnormally high wages to those "bad teachers", can the school still be able to survive?  In the long run, those unsuccessful schools would be selected against.  Only those successful schools can survive.  This is how the market works.

kipposhi

do we really have to call people 腦殘 and moron in order to argue and express our point of view?
myversa 發表於 2010-2-9 12:35

The term 腦殘 is an honor for some special people.

kipposhi

???  You can definitely sell insurance in multiple states.  You just need a separate plan for each.
快樂牛郎 發表於 2010-2-9 13:47

http://online.wsj.com/article/SB122282743245193057.html
http://online.wsj.com/article/SB ... 60923109310680.html

I dunno where you got your information from.  It's pretty obvious that preventive care lowers medical cost.
快樂牛郎 發表於 2010-2-9 13:47

When outpatient clinic is included in the health insurance plan,  the expected claim number goes up.  Then the premium will go up too.
If you know how to calculate insurance premium, you will understand.

So I guess what you are saying is that office visits are included in your premium but many people do not see the doctor regularly.  So what you are suggesting is a catastrophe plan that only covers major hospital visits.  If this is the case, people would stay away from going to their family doctors and hit the ER every single time.
快樂牛郎 發表於 2010-2-9 13:47

Insurance companies can offer plans, for example, outpatient and critical illness, separately.  What is eligible to claim is limited by different types of insurance policy.  Simply look at the example in HK.  You can see the health insurance premium is not high, way lower than that in the States.

Like other insurances, insured's claim will increase the insurance premium in next renewal.

Lobbying is a product of privatization.  Get your logic straight.  I have not seen medical providers or drug companies lobbying the Canadian government.
快樂牛郎 發表於 2010-2-9 13:47

Don't you see the problem of lobbying by unions in Canada?  Why are employers not allowed to hire workers other than union workers when union workers are on strike if there is union in that company?

kipposhi

"Why should everything be privatized?
1.  Because you don't know the function of government.
2.  Because you don't know mathematics, you may not be able to understand it."

Throw us some real mathematics and data, instead of blanket statements.
快樂牛郎 發表於 2010-2-9 13:49

Sorry, I made a typo.  I mean "Why shouldn't everything be privatized?"

You want some date. no problem.

http://www.hoover.org/publications/digest/3532186.html