Health care - administrative incompetence

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.

We are working on changing doctors' sick notes.

Instead of being signed off for extended periods of time, doctors are meant to write what sort of duties and for what amount of time a patient is able to do.

Having had one LONG period of sick leave when I ruptured my achilles, I would have preferred to come in part-time for computer work rather than not working at all.

It also takes ages to get back into work, as it is a gradual re-entry (for example, the first week, you would work three hours for four days and gradually increase the hours over a month+).

Being at work at least gives you something else to focus on, and the social interaction is also beneficial.
 
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them getting subsidised housing and unemployment benefit, but the idea that they should have their asthma treatment withdrawn or be denied their cardiac bypass surgery would be seen as uncivilised.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.

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
 
<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>

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.
 
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.

I'm sorry, I phrased that poorly. I was distracted by the too-practical-to-be-implemented idea of cutting out the current insurance networks, the full-time malpractice lawyers, the divisions dedicated to finding loopholes in who gets coverage. All the messy peripherals that have turned basic care into a luxury for people above the upper-class level.

The idea that we go back to an archaic barter system for modern medicine was too ridiculous to actually consider.
 
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


This.

It's surreal at times. The vilified poor have no power. They can't lobby, they can't influence, they have no sphere, they are passive. Yet they get blamed for the ills of our country. Meanwhile those who actually have power and influence abuse the public trust and get rewarded, even lauded.
 
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.

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.

When this stuff happens in Britain, the patients are likely to sue. But even if they don't, a complaint will almost certainly be made to the hospital or health authority, who will have to investigate what happened. If an individual doctor has been negligent (failure to inform a patient about a positive smear test would qualify), then he will be reported to the GMC. None of that seems to have happened in the cases we're hearing about.

First, I have to ask about general CME in the USA, and how stringently it's enforced. In Britain, GPs have to undertake a specified amount of relevant CME every year, and undergo re-validation assessments every few years where their individual performance is scrutinised and tested. I have heard my GP friends moaning about it. (This has caused losses to the profession. Another friend of mine, the wife of the village doctor, is/was a doctor herself. However, she gave up work to raise three small children. She found she simply couldn't keep up with the requirements to maintain her registration, and voluntarily de-registered.) Any GP who was in the habit of not telling patients about positive smear tests would surely be smoked out and re-educated in this system.

Then I have to ask about medical audit. Within the NHS there is a great deal of scrutiny of medical and surgical outcomes, and if the performance of a particular consultant is falling below expected levels for no good reason, questions are asked. Sometimes hospitals say they have to stop doing particular classes of surgery until they find out why they have had a cluster of deaths.

I know there are some excellent medical facilities in the USA. However, I have to ask, what are the average facilities like? We know all about the Mayo Clinic and places like that, but what about Boondocks General Hospital? Are they auditing their outcomes and comparing them to the best in the country, and taking steps to rectify poor performance? Is the average town GP required to undergo the sort of regular CME and re-validation that NHS doctors have to put up with?

Another thing that struck me about Bookitty's story was the casual acceptance by the insurance company of the doctor's story that he had told the MiL about the smear test results. That woudln't wash here even in veterinary practice. If you have a positive result for a test like that, you have to tell the patient (or the patient's owner), and you have to record that in the medical notes. You have to record that you recommended the patient to go with the appropriate follow-up investigations, and if the patient declines to follow your advice you absoutely have to make a record of this. You would be well-advised to get the patient to sign a disclaimer as well.

Because if you do not do this, then the patient will be believed, when she says you didn't tell her. Even if you did tell her. There is absolutely no question about this. All Bookitty's MiL would have had to do was to make a complaint to the Health Authority, and her medical notes would have been scrutinised, and if there was no entry showing she had been given the results and rejected the appropriate advice, the doctor would have been talking to the GMC.

(Note that part of the Harold Shipman saga was his attempt to falsify patient notes retrospectively to make it look as if he'd advised them about problems they didn't have, or suspected morphine abuse. It was the study of the computer logs showing these entries were retrospective that did for him completely. He had also falsified earlier hand-written notes by squeezing extra sentences into half-filled lines - these things are hard to fake, and do get spotted.)

I'm genuinely curious here. Does the piecemeal, decentralised, every-man-for-himself nature of US medical practice mean that it's a pure toss-up whether you get someone who is on the ball and has maintained his competence, or someone who just wants you out the door so he can get to the golf course, and know there will probably be no repercussions if he screws up?

Rolfe.
 
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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.


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.
 
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.

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)


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."
 
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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.


Indeed. And that brings me to another point I have raised before. Funding healthcare through taxation eliminates the freeloaders. Right-wingers bridle at this, and object, but I have to explain what I mean.

Many right-wingers are viscerally opposed to any compulsory taxation, and prefer instead to believe that everything can be funded by voluntary contributions including charity. They totally don't mind donating money to the hospital or for the care of a particular patient, what they object to is money "taken at the point of a gun" (or as we would say, taxes).

Now there are a lot of problems with this, including the fact that just about everyone, even the generous, underestimates the amount of giving they ought to donate in order to pay their share in that way, and that big donors have a habit of supporting the sexy causes (so Guide Dogs for the Blind has more money than God, but geriatric mental health gets nothing), and putting strings on their donations (no ante-natal care for unmarried girls, and so on).

But the big problem is the free-loading rich. The way to get rich in such a society is to develop a hide like a rhinocerous. Send all the charity collectors away empty-handed, bin all the begging letters. Keep all your assets for yourself. Let the soft-hearted respond to the desperate pleas, so that the old widow is doing without a hot meal to help get the child next door her heart operation.

I don't want to live in a society like that. Tax the buggers and make them pay a fair contribution to the general welfare.

Rolfe.
 
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.

.


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 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.

Yeah, I'm looking around for the costs of health care with pets (where something closer to a free market exists) and treating liver disorders in a pet can cost $60K.
http://www.kontain.com/pet-insurance/entries/103814/

It seems like even the most efficient free market would still leave high-tech treatment like Ducky got at at least $300K or so.
 
...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.

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.


I've certainly picked up a helluva a lot of dogs with that condition, just by ordering an electrophoresis if I didn't like the look of the total protein/albumin results. However, it's not a dead cert that you'll spot it.

It's not the poor practice per se that I'm querying, because there are idiots everywhere and NHS doctors are known to have done some brain-dead things too. It's the lack of repercussions I'm baffled by. (We know about the NHS doctors doing it because it's all over the newspapers at the time and then again when the GMC has its hearing into the incident.)

It's also the apparent absence of a compulsory system of CME and re-validation to try to spot and correct sub-standard practitioners before they kill someone. If medical practice in the USA is as great as they keep telling us, where are these simple, standard safeguards?

Rolfe.
 
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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.
And any outcry over such practices is so feeble compared to what would happen in the UK.
 
It also raises some other issues as far as comparative statistics go, one thing no one in the UK NHSs would argue is that everything is counted, tabulated and cross referenced, so when you look at statistics about the UK health system you are really looking at the facts, not estimates and so on. How are healthcare statistics about the USA collated given it has such a fragmented market?
 
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?
 
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?


Most imaging is in-house:

http://www.nhscareers.nhs.uk/details/Default.aspx?Id=189

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)


Well, I was talking about medical errors and negligence, not rescission, but good point. I have read that document, and words fail me. It shows quite clearly that even though one or two of the examples Moore used were possibly ill-chosen, the whole thrust of Sicko was bang on the nail.

Rolfe.
 
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)

I know this soujds heartless but I don't really blame the insurance companies that much. Most are private businesses that by law have to protect shareholder intersts i.e make lots of money- in the insurance game there are only two real ways of doing that - charge higher premiums and become uncompetative or not pay out. Because of the frequency of denials it doesn't make the news so no damage to reputaton happens.

Quite why anyone would want to trust their life under such circumstances puzzles me like.
 

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