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SMBC Comics Forum • View topic - [2017-12-08] Healthcare

[2017-12-08] Healthcare

Blame Quintushalls for this.

Moderators: NeatNit, Kimra

Re: [2017-12-08] Healthcare

Postby essenceofveles » Sat Dec 09, 2017 4:38 am

essenceofveles
 

Re: [2017-12-08] Healthcare

Postby essenceofveles » Sat Dec 09, 2017 4:43 am

essenceofveles
 

Re: [2017-12-08] Healthcare

Postby hanselot » Sat Dec 09, 2017 8:42 am

Easy. Get into biohacking. Take the money you would have spent on healthcare and buy bitcoin.
The only complication here is that you need to refrain from dying before the bitcoin appreciates to a value that is self-sustainable.
Fuckit, it took me 20 minutes to figure out how to answer this security question...
hanselot
 

Re: [2017-12-08] Healthcare

Postby mist42nz » Sat Dec 09, 2017 10:13 am

I have an old friendship with a Doctor (in training, many years ago) who was from Indonesia which has the same level of income to healthcare disparity which affects the backwards nations of the world such as the United States of Corruption.

What their villages had to do was find a young but very intelligent child and make sure they had good schooling, and the extended family put all their assets and liberty at risk to earn money and pledge themselves to lenders and the village to send my friend to Medical School. As a student his costs and First World living expenses were about the same as a town block of families back home. His task was to learn and become a qualified medical doctor, and then come home and be the village's medical doctor (including setting up local practice and start training some lower skill local trainees_.

When I met him he was in his last year and was caught on the dilemma of going home to the backwater poverty struck village that couldn't afford the usual medical parasites, or staying the modern world with all it's income and temptations (and where he could pay off his debt in about 2-3years), although that means the village would seize all his extended family and their worldly goods, and he would have to fund for another student to be trained up. Apparently, it was common (>50%) of young Doctors to refuse to go back home, so they tried to send about 3 students for each 2 groups of villages, so some would come home to their families. However, such situations did result in modern world doctors providing a constant income stream back into those villages, greatly increasing the wealth in those areas.

Since they are in a very similar situation, you just need to find a potential medical doctor (and other staff) and contract them to the task so that your peasant village can afford basic medical systems.
They also used similar situations to get civil engineers and teachers because there simply isn't a modern commercial reason for people to come away from the wealthy centers. So they figured the only ones who would actually care about the area, and about the families there, was their own people. "Surprisingly" enough, the funds funnelled back by the successful non-returning students tended to act as very useful capital for civil works and careful capital investments (such as quality water), however, doing this requires honest and capable and minimal civil service (ie they had no full time civil servants because they had found it 100% corrupted any person who had no other income/grocery source, as such people inevitably ended up building up their own little kingdoms and "public services" which were little more than bottomless public funding built ideologically unsound personal projects. Keeping all civil servants part-time kept them as responsible contributing members of the town rather than falling into the trap of aristocracy)
mist42nz
 

Re: [2017-12-08] Healthcare

Postby JFMURPHYF » Sat Dec 09, 2017 2:01 pm

Greetings all, first time poster long time reader.

I'll just introduce myself, my name's J-F and i'm an insurance broker based in Montreal.

I see a lot of questions about the rise of healthcare insurance costs and the difference between free market systems and single payer systems, so I thought I'd try to shed some light on it. Bear in mind however that there might be a lot of differences between USA insurance companies and Canadian insurance companies so while my advice is very on point for Canadia, US citizens better take it with a grain of Nackle.

Let's start with a first question:
What are healthcare insurance costs based on

Like everything insurance, premiums are almost always based on actuarial tables. That is to say, some nerdy dude at the insurance headquarters takes hundreds and hundreds of demographic data based on your neighborhood, your city, and your age and crunches them together in order to come out with actuarial tables. These tables will posit an average expected refund per citizen per coverage on medical costs, then the insurance company works in a small margin of profit in the product, and rolls the dice, hoping you'll be less sick than their estimate. While we do have free healthcare in Canadia, most people also have a health insurance also to add coverage on top of the base government refunds (55% in my province, people usually like an 80% refund) or to pay for fringe benefits like dental and paramedical (acupuncture, massage therapy, psychotherapy etc.), so in effect we don't only have free healthcare, we also have a free market insurance. But the highest I've seen that insurance cost in a year (for a family plan for a 70 year old man) is 4500$ (and that was an almost 100% refund coverage).

That is because increases in medical costs increase insurance premium if you have a regulated service provider (the government) who pays the first 55% of any medication, and 100% of surgeries and other urgent medical care you control what these things cost and make sure it is affordable for everyone. Yet even with all that, inflation for medical costs in Canadia is 12%, mainly because while the healthcare system is regulated, the pharmaceutical industry isn't.

I urge you to watch this 5 minute video before going further, if you're still with me: https://www.youtube.com/watch?v=CeDOQpfaUc8

I can't do it better than Adam so I'll just link him. As he very astutely describes here, the US medical system is stupid overpriced. Seriously? Seriously. Seriously??? Seriously!!! (yes that was a gray's anatomy reference)

So if you understand where premiums come from (actuarial tables) and understand that they factor in grossly bloated prices, is it any wonder premiums have gotten this ridiculous? And at that point, is it really the insurance company's fault? What the Us needs is to establish baseline medical coverage in order to assert control over the system, and to insure regulation of prices. As long as you do not have that in place and still believe in a free market competition to diminish prices then I am sorry but that is not going to happen because as far as the free market goes these prices ARE competitive, they factor in all costs and a very narrow profit margin.

As for mr. weinersmith, and this is HIGHLY speculative, but in Canadia collective insurance (which benefits from tighter pool based reductions) can be applied to any group that fills out the following conditions:

A- Is a group with clear guidelines and monetarily involved members
B- Everyone involved works more than 20 hours a week
C- Has a clear legal person to defer to
D- Is together for purposes other than group insurance

What I would suggest is to get those small business owners together and create the ''super duper awesome small business owner's association'' (Name can be modified) who's mission it is to ''increase profits through coordination of marketing events and business development fairs''. Go see a lawyer, have him register up a non profit in that name, elect an administrative board.

Then vote to offer group insurance to everyone and get a broker. Not an insurance rep from one company, a broker.

His job, if he's even mildly competent, will be to find the best group insurance he can at the most affordable price, and then to help you keep prices low.

It's a bit of work but assuming similar legal basis, it will work.

My 2 cents people.
JFMURPHYF
 

Re: [2017-12-08] Healthcare

Postby JFMURPHYF » Sat Dec 09, 2017 2:06 pm

Sorry for the autocorrect typos, I can't figure out how to edit them out :(
JFMURPHYF
 

Re: [2017-12-08] Healthcare

Postby zbbrox » Sat Dec 09, 2017 3:08 pm

zbbrox
 

Re: [2017-12-08] Healthcare

Postby magnetoo » Sat Dec 09, 2017 5:45 pm

magnetoo
 
Posts: 2
Joined: Wed Sep 12, 2012 3:15 pm

Re: [2017-12-08] Healthcare

Postby Kit. » Sat Dec 09, 2017 7:42 pm

I'd say that the "insurance" model of selling basic healthcare coverage is a scam when "self-regulated" by private institutions, and is a tax when fully controlled by the government. In this particular case, a tax is better.
Kit.
 
Posts: 49
Joined: Sun Jun 12, 2016 10:22 am

Re: [2017-12-08] Healthcare

Postby zbbrox » Sat Dec 09, 2017 11:47 pm

zbbrox
 

Re: [2017-12-08] Healthcare

Postby jgh » Sun Dec 10, 2017 10:45 pm

As a comparison, for all its flaws, the UK NHS costs the equivalent of $2000 per year per person, and private self-employed comprehensive cover starts at about $40 a month with a $400 excess.
jgh
 
Posts: 4
Joined: Fri Jun 10, 2016 12:02 am

Re: [2017-12-08] Healthcare

Postby Geekoid » Mon Dec 11, 2017 7:19 am

Geekoid
 
Posts: 10
Joined: Tue Aug 20, 2013 3:11 pm

Re: [2017-12-08] Healthcare

Postby BB Shockwave » Mon Dec 11, 2017 3:06 pm

I often wonder why you guys in the United States of No Healthcare even bother with health insurance when it is so deeply flawed and often by the time you need it, the provider decided you are no longer eligible "because".
Here in Hungary I pay the mandatory healthcare which is currently around 27$ a month. This means you are viable for service anywhere in the country for emergencies - and they usually respond on time when it is a life-and-death situation. When it is something less urgent like say, a fever or a tootache, you go to your assigned local general pracitioner doctor, they will examine you, prescribe meds (at discount), send you to various other labs and specialists if needed, etc. Now this is where the system slows down - often you have wait a month for even an ultrasound and even more for MRI or busy specialists like heart doctors, etc, and this is where I usually just skip the system and go to a private company. There are plenty, and they usually charge 45-55$ just for one examination, but they are fast and reliable. The caveat is, these private practices will want to milk you for all you have, so they will advise you to do all sorts of expensive tests. It's up to you what you choose. I generally stick to the public healthcare, but for dentists I always choose the private practices. It just takes a while - usually through recommendation from friends - to find a good and relatively cheap dentist whenever my current one retires or moves away.
As for you guys... I would just not pay healthcare at all, put the money you would spend on that away and invest it, and pay from that for a private company if you need it.
BB Shockwave
 

Re: [2017-12-08] Healthcare

Postby sLaughterhouse » Mon Dec 11, 2017 3:09 pm

There have been a few questions regarding why health insurance is so expensive and talking about the individual costs of pill, saline etc. I saw a interesting video about such a topic a little while ago that may be relevant, make up your own mind. A bonus is the dramatization in my mind is humorous which is a quality I see within a majority of SMBC comics.
sLaughterhouse
 

Re: [2017-12-08] Healthcare

Postby sLaughterhouse » Mon Dec 11, 2017 3:12 pm

Apologies for double post, can't figure out how to link Youtube videos with the button, here's a link.
sLaughterhouse
 

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