Sorry. I am having an extremely difficult time trying to finding any coherency in you responses. This is one of the best. “why not compare the number of prates to global warming” Seriously? Are you really having a hard time following the logic here. The U.S. spends TWICE as much as Canada on health care and ranks seven places below it.
I could rip the entirety of your post point by point but its getting too tiring. All I will get in return is a bunch of vague comments that dont respond to my actual points.
I think its clear we are not going to agree on this. We have dramatically different views of economics, freedom and social responsibility and since you don’t seem to be able to adhere to any sort of logical point/counterpoint I’ll cut my losses here.
Bull. Ive carefully highlighted the major holes in your facile conclusion that private medical service is inherently more costly than medicare options by pointing out how you’ve failed to address the increasing regulatory burden placed on insurance companies, that restricts small players from offering market driven choices resulting in increasing costs.
Ive also pointed out how your boast that medicare costs have risen more slowly than private insurance is irrelevant since the former is in a state of major financial crisis.
Your dismissal of its ‘incoherent and im too tired to reply’ rhetoric is plainly disingenuous.
Its not disingenuous at all. It truly is exhausting trying to have a conversation with someone who ignores the points being made. Just because your responses are tacked to each one of my arguments doesn’t mean you are actually addressing them. All you have done is gone on a rant and pasted my remarks in here and there. I’ll give this one more shot but if you can’t directly respond to my points then we’re done. Please do show me where you have done anything to counter my argument that private medical insurance is more costly? You’ve done nothing but pose questions that demonstrate your assumptions but do nothing to counter my arguments. As I stated above twice already the US spends twice as much as Canada on health care and is ranked lower in the quality of its health care system. Your only argument is a bunch of personal stories and then give a list of questions that dont address my argument at all such as..
Care to explain why administrative costs are so high in the ‘private’ insurance industry?
I made a statement of fact. “Why” is a separate issue entirely but the fact of the matter is that insurance companies are not in the business of making you well or paying claims. Insurance companies also hire expensive CEO’s and spend a small fortune on advertising and promotion. Medicare does none of these things and can spend more of its revenues on actual care. In addition there is an economy of scales that a large plan like medicare has which can not be matched by insurance companies unless they have a huge monopoly, but again the why isnt nearly as important here as the fact that the disparity exists
Care to explain why Medicare financial model is spiralling into insolvency?
It has nothing to do with how much is spent on management. Medicare takes care of the oldest and sickest members of society. That demographic is increasing as a percentage of the total population. If you have more people using a service and less paying for it you need to raise revenue somewhere. Thanks largely to people from your philosophical background our politicians don’t have the guts to do what they should and raise revenues.
Care to explain why the rate of Danes, Swedes, Brits etc switching to private insurance is growing dramatically?
First show me evidence of that? Secondly even if you do its proof of nothing except that people want another option. People spend money on things for al sorts of reasons and not all of them are sensible. Your friend in Canada who had to wait a week or two for hernia surgery is a good example. People often claim that wait times in countries with universal health care are longer but there is no evidence to back that up and studies looking at this have often come to the opposite conclusion. Even if it were so, there is no evidence that wait times have had any effect on outcomes since by most measures countries with universal healthcare have better outcomes. Your friend with the hernia is a good example of why some people might foolishly spend money for private insurance in societies with universal healthcare. Hernias are generally not a medical emergency. In most cases even here in the US people wait several weeks or months or even years to have their hernia operated on. If timing does not affect the outcome then what we are talking about here is paying more to get something done sooner just because you want it sooner not because it makes any difference. Some of the added costs of Americas health care are do to just that. We have excess capacity and while it might diminish wait times for some things it adds to the cost because you have a lot of down time and unused capacity. its a very wasteful system especially when it does not lead to better outcomes.
Care to explain why there is a growing medical tourism industry, even in places with universal health care such as where I live?
What evidence do you have that its “growing”? There is medical tourism all over the world and there are plenty of Americans traveling abroad because they couldn’t get the care they needed here. If you want to use anecdotal evidence I had a patient just yesterday who has a hernia but he has no insurance so he is traveling back to his home country of Serbia where he can have it done for a fraction of the cost. That’s a US citizen traveling to Europe because he cant get the care he needs here. Your friend might have to wait but this fellow couldn’t get the care he needs at all in our system. I can go toe to toe with you all day if you want to waste everyones time with anecdotes. I am not aware of any surveys or studies comparing medical tourism in the US to that in countries with universal healthcare but regardless, I have worked with the public long enough to know you can never make everyone happy. Even in a perfect healthcare system there will be people who want a second opinion or want their gallbladder in a “spa like” environment as some of these medical tourism companies are now offering. the existence of medical tourism does nothing to establish the merits of a free market system over universal healthcare or visa versa. Medical tourism from countries with Universal healthcare is about want not need. As a physician I am not in the least concerned about what people want. My job is to give them what they need.