Rolfe
Adult human female
That depends on which ex-girlfriend you talk to.
Even as I typed, I knew you were going to say that....
Rolfe.
That depends on which ex-girlfriend you talk to.
Yep. MIL went through the same thing. Had she kept her job (they were willing to let telecommute) she might have had enough cash to cover some of the stuff she needed (wheelchair, taxis to hospital, etc) but she would have lost all medical benefits. So she quit her job before she knew for sure that she didn't have coverage, because if she had coverage she could still get COBRA and then get medicare.
Of course, this is the excessively simplified version. It happened over months of making phone calls & faxing in paperwork every day. I can no longer remember all the details because there were so many dead ends.
The entire experience is the main reason why the husband and I aren't legally bound. If one of us gets expensively ill, the other won't be ruined.
But you are being forced to support that.
People who are that irresponsible are already getting a pretty high level of benefits in the USA. And what's the alternative? One of these three children has a VSD. What are you going to do? Just let the kid die?
I simply can't get my head round the Americans who are so viscerally opposed to anyone they see as undeserving getting any sort of benefit, that they would deny the entire country (which is composed of a hell of a lot more than dead-beats, even I know that) the self-evident, manifest benefits of universal healthcare.
We have undeserving as well, and we don't even think about this. We might bitch about them getting subsidised housing and unemployment benefit, but the idea that they should have their asthma treatment withdrawn or be denied their cardiac bypass surgery would be seen as uncivilised.
But as I said, the real dead-beats in America are already being paid for by the taxpayer. It's people like Ducky and Bookitty's MIL and Roadtoad and so on that you should be thinking about.
Rolfe.
<snip>
What I actually said was that I want doctors, teachers, footballers, writers -just about everybody to get paid what they are worth to society. I believe the best way to accomplish that is through the free market.
<snip>
I'm sorry but even if you get rid of the middle-men, the actual cost price of a lot of medical treatment is going to be way way over "a jar of jelly or maybe a chicken". How many people would be prepared to go into medical school and come out with tens of thousands of dollars of student debt, knowing that they have to live, start a family and pay off that debt, on an income of jars of jelly and chickens?
Who is going to put investment into high-tech medical technology, if the return on the investment is going to come as intermittent donations of perishable comestibles? Get real.
Rolfe.
The REAL deadbeats are the Billionaires that profit from the value added to resources by Labour who actually produces the wealth. These Billionaire deadbeats also get tax-breaks and subsidies which the "regular folk" will never have access to.
It's also a well recognized economic fact that production creates surpluses, which in turn creates pools of "surplus" labour (the unemployed). Alan Greenspan let the cat out of the bag when he stated years ago that unemployment was necessary to keep wages down which in turn keeps inflation down (the Right Wing's answer to surplus labour pools).
In other words, it doesn't matter if there are some poor "deadbeats" in an industrialized economy, because there are plenty of resources to spread around (which is the "Lefty" answer to surplus labour pools).
So rather than a return to the Dickensian notions of the deserving and undeserving poor, you are both economically and morally correct to point out that everyone deserves access to health care in a civilized society.
The problem in the US is that people have been propagandized for generations about the "Evils" of Socialism, and now are prepared to go to bat against their own interests on behalf of the interests of the Rich. It seems like a lot of people don't even realize that they are advocating against their own interests.
GB
THERE CANNOT AND WILL NEVER BE A FREE MARKET IN HEALTHCARE.
People can't shop around for the best value healthcare when they're incapacitated by disease. People can't shop around for the best value healthcare when they don't have the knowledge to judge what healthcare is appropriate.
That's not my opinion, it's REALITY.
Bookitty's MiL's doctor didn't tell her about her positive cervical smear tests. That is negligence. It is practice so poor it's pretty much off the scale.
<snip>
OK, there are idiots everywhere. You can find similar stories in the NHS. However, what struck me about these tales was the lack of repercussions.
Insurance companies rescind coverage even when discrepancies are unintentional or caused by others. In one case reviewed by the Committee, a WellPoint subsidiary rescinded coverage for a patient in Virginia whose insurance agent entered his weight incorrectly on his application and failed to return it to him for review. The company's Associate General Counsel warned that the agent's actions were "not acceptable" and recommended against rescission, but she was overruled.
• Insurance companies rescind coverage for conditions that are unknown to
policyholders. In 2004, Fortis Health, now known as Assurant, rescinded coverage for a policyholder with lymphoma, denying him chemotherapy and a life-saving stem cell transplant. The company located a CT scan taken five years earlier that identified silent gall stones and an asymptomatic abdominal aortic aneurysm, but the policyholder's doctor never informed him of these conditions. After direct intervention from the Illinois Attorney General's Office, the individual's policy was reinstated.
• Insurance companies rescind coverage for discrepancies unrelated to the medical conditions for which patients seek medical care. In November 2006, a Texas resident with a policy from WellPoint was diagnosed with a lump in her breast. The company initiated an investigation into the patient's medical history and concluded that she failed to disclose that she had been diagnosed previously with osteoporosis and bone density loss. The company rescinded her policy and refused to pay for medical care for the lump in her breast.
• Insurance companies rescind coverage for family members who were not involved in misrepresentations. When a UnitedHealth subsidiary determined in 2007 that a policyholder in Michigan failed to disclose his abnormal blood count and other conditions, the company also rescinded coverage for his spouse and two children. When his spouse called to find out "[w]hy we dropped whole family instead of husband," the company official "[c]alled her back told her coverage was voided to medical history not on app."
• Insurance companies automatically investigate medical histories for all
policyholders with certain conditions. WellPoint and Assurant informed the
Committee that they automatically investigate the medical records of every policyholder with certain conditions, including leukemia, ovarian cancer, brain cancer, and even becoming pregnant with twins. UnitedHealth was unable to explain specifically how its investigations are triggered, claiming that it utilized a computer program so complex that no single individual in the company could explain it.
• Insurance companies have evaluated employee performance based on the amount of money their employees saved the company through rescissions. The Committee obtained an annual performance evaluation of the Director of Group Underwriting at WellPoint. Under "results achieved" for meeting financial "targets" and improving financial "stability," the review stated that this official obtained "Retro savings of $9,835,564" through rescissions. The official was awarded a perfect "5" for "exceptional performance."
The REAL deadbeats are the Billionaires that profit from the value added to resources by Labour who actually produces the wealth. These Billionaire deadbeats also get tax-breaks and subsidies which the "regular folk" will never have access to.
Bookitty's story about her MiL, and Ducky's experience, make me wonder about the state of CME in the USA. Maybe this needs another thread, but let's see where it goes.
Bookitty's MiL's doctor didn't tell her about her positive cervical smear tests. That is negligence. It is practice so poor it's pretty much off the scale.
Ducky's original doctors didn't refer him for any spinal imaging despite repeated presentations of a young man in a sedentary job with severe and worsening back pain. I could make a case for that being negligence too. It's certainly extremely poor practice. Then the first hospital he went to x-rayed the wrong part of his spine and missed the lesion, leading to entirely inappropriate treatment recommendations.
.
And even if there was, it would be no solution. There is a free market in cars. If I need a new Rolls Royce Silver Spirit or a top-of-the-range Porsche, and I'm below the average wage, no amount of shopping around is ever going to find me an affordable one.
Cars, it doesn't matter. A used Ford Ka will get me around just the same. Healthcare, it does matter. Ducky couldn't have made do with a course of antibiotics or Lasik surgery, he really needed the surgical equivalent of the top-of-the-range Porsche.
When consumers can't pay for items that are extremely expensive to produce, they have to go without. These items become luxury niche market goods, or they may even cease production entirely if the number of people who can afford them is too small. They don't magically come down in price to the cost of a Happy Meal.
Rolfe.
...snip...
• Insurance companies automatically investigate medical histories for all
policyholders with certain conditions. WellPoint and Assurant informed the
Committee that they automatically investigate the medical records of every policyholder with certain conditions, including leukemia, ovarian cancer, brain cancer, and even becoming pregnant with twins. UnitedHealth was unable to explain specifically how its investigations are triggered, claiming that it utilized a computer program so complex that no single individual in the company could explain it.
I would have thought that Ducky's M-protein would have been present in any blood work he had, or it should have been flagged for further investigation due to at least one or two abnormal results.
Tests are added on all the time to follow up abnormal results.
I wonder what would happen to labs in the US if they added on more tests and/or screens for things like multiple myeloma?
I would have to check on it, but I wouldn't be surprised if 25-50% of the multiple myeloma and or MGUS patients are found because of an abnormal lab result.
And any outcry over such practices is so feeble compared to what would happen in the UK.Strange that they couldn't explain "If cost is likely to be above $X investigate records"!
Another strange thing is this is not criticised by the ones who criticise the NHS because it is "rationed"... You'd almost think their conclusions weren't based on evidence.
I would have thought that Ducky's M-protein would have been present in any blood work he had, or it should have been flagged for further investigation due to at least one or two abnormal results.
Tests are added on all the time to follow up abnormal results.
I wonder what would happen to labs in the US if they added on more tests and/or screens for things like multiple myeloma?
I would have to check on it, but I wouldn't be surprised if 25-50% of the multiple myeloma and or MGUS patients are found because of an abnormal lab result.
Speaking of that...does the NHS do its own lab work and imaging?
I'm another sob story about health care debt, in my case, from having the audacity to start having gran mal seizures post partum after the birth of my first kid. I kept waking up in the ER.
Now, most of the bills I got were not even from the hospitals...it was from a variety of lab companies and radiology companies, etc, that I guess have "satellite operations" in hospitals?
Radiographer
This page introduces the two types of radiographer, diagnostic and therapeutic, and describes the areas where they work and the methods they use.
Types of radiography
There are two types of radiography, diagnostic and therapeutic. Both need considerable knowledge of technology, anatomy and physiology and pathology to carry out their work.
The NHS employs 90% of all radiographers, with other opportunities in private clinics and industry. There are about 26,000 registered radiographers in the UK. The ratio of diagnostic to therapeutic radiographers is around ten to one.
For more information on careers in radiography, please contact:
College of Radiographers
207 Providence Square
Mill Street
London
SE1 2EW
Tel: 020 7740 7200
Email: info@sor.org
Website: http://www.sor.org/
If you are thinking about a career as a radiographer - The Society of Radiographers have developed a website with useful careers information.
And this is what the US conservatives are missing: The NHS is a large organisation (at one stage I understand that only the Chinese Army and the Indian Railways were larger single employers).
There are mistakes and errors, and when they are discovered, people kick up merry hell, and heads roll. The horror stories are used to rectify bad practice. In the US, this often doesn't even make the news and the tricks that have been used to deny treatment are shocking to me: (US congress report - PDF here)
And this is what the US conservatives are missing: The NHS is a large organisation (at one stage I understand that only the Chinese Army and the Indian Railways were larger single employers).
There are mistakes and errors, and when they are discovered, people kick up merry hell, and heads roll. The horror stories are used to rectify bad practice. In the US, this often doesn't even make the news and the tricks that have been used to deny treatment are shocking to me: (US congress report - PDF here)