反膠鐵簽名會 多多

ricrick

膠鐵問題多多，造價膠、一地兩檢、菜園村等問題
但莫視民意，勢在必行，你支持嗎？

快樂牛郎

Googling doesn't give you the whole picture.  While there's definitely a lot of waste in the government, whatever you said about covering office visits makes no sense.

kipposhi

If you have more coverage, of course you pay more.  I don't see a problem with this.  If you just want a plan that covers hospital stays only, you could get some plan that has like a $20K deductible.

Your wsj articles have nothing to do with what I said.  In addition, individual market is a pretty small segment.
快樂牛郎 發表於 2010-2-9 16:29

I posted those wsj articles because I googled some sources showing that US citizens cannot buy health insurance across the state lines.  There are no health insurance in US covering inpatients only.

I am pretty sure there are many other reasons why premiums in HK are lower, other than paying them "separately".  Buying Inpatient and Outpatient coverage separately is like buying a monitor and computer hardware separately.  If you *only* need one of them, then you can save money by buying just one of them.  But that doesn't apply in the case of health insurance.  It makes no sense to buy an "outpatient only" plan because then you are not really insured against anything.

There are indeed other reasons why premiums in US are higher.  If you really want to know the reasons, why don't you find in yourself?  I am tired to find references and post it here.

I don't know who would buy the "outpatient" only.  But insurance companies offer it.

It's also pointless to compare two countries/regions when so many different factors could've contributed to the success and failure of each.

It is not pointless.  That passage tells you the similarities between places.  One of the important points is, HK has no natural resources but its GDP per capita has been growing.

kipposhi

sometimes you cannot use school logic on operating a school.  In business, people want to make money; in another way, if there is no school board, there is no free school up to grade 12.  There will ...
myversa 發表於 2010-2-9 16:07

School is not free.  Taxpayers pay for it.  There is charity in the world.  A few decades ago, people in HK were so poor.  Many charities offered the affordable schooling service.

Top tier universities tell you the answer.  They have them own exams.  Moreover, there may be open exam like SAT and ACT in the US.  On the other hand, even the syllabus is set by school board, different teachers make exams with different difficulties.  Some are easier, some more difficult.  Students may still go to universities easier than some other.  In addition, it is very easy to ace in many provincial exams.  When there are so many students getting an easy A in some subjects like maths, chemistry, the exams sometimes cannot tell which student is better.  Are they still good exams?

Union issue is very true.

快樂牛郎

It's also pointless to compare two countries/regions when so many different factors could've contributed to the success and failure of each.

快樂牛郎

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.

If you have more coverage, of course you pay more.  I don't see a problem with this.  If you just want a plan that covers hospital stays only, you could get some plan that has like a $20K deductible.

Your wsj articles have nothing to do with what I said.  In addition, individual market is a pretty small segment.

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.

I am pretty sure there are many other reasons why premiums in HK are lower, other than paying them "separately".  Buying Inpatient and Outpatient coverage separately is like buying a monitor and computer hardware separately.  If you *only* need one of them, then you can save money by buying just one of them.  But that doesn't apply in the case of health insurance.  It makes no sense to buy an "outpatient only" plan because then you are not really insured against anything.

myversa

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 stud ...
kipposhi 發表於 2010-2-9 13:46

sometimes you cannot use school logic on operating a school.  In business, people want to make money; in another way, if there is no school board, there is no free school up to grade 12.  There will be some kids who cannot afford going to school like old times.  Only rich kids can afford to graduate.  

In addition, there will be no school board to govern which material to teach in which grade so each school would teach different things.  When you said, I graduate from grade 12 and people still do not know what your level is.  Good teacher is hard to define too.  Good teach as in giving student good marks so they can get into university easily and thus the school has higher percentage of enrolling into university; that will be what happen when there is no provincial test;

Bad policy by school boards does not mean that we should not have school boards at all.

I think the bad thing about Canada is union.  For example, teacher unions ask for better pay and less student to teach; this definitely would add cost to operate up.

kipposhi

You smartie, just look at the Aircare program here. They looked for gases like sulphur dioxide and nitrogen dioxide from your car.

I am just using your wierd logic. You don't have a clue of what you are saying. You don't even understand the function of the modern government. Since you think anything that is not profitable should be privatized, like highways, Translink, education etc. Why stop at these? Why not do more, hahaha?

Enough have been said about your irrational way of thinking.
peter236 發表於 2010-2-9 12:30

You can go back to read my replies.  If you do not read them, it is meaningless for me to reply to any of your posts.

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

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?