Obama health care plan explained

Speaking as a patient, I'm glad I have the ability to litigate if a blown call on your end ruins my life. Sorry, but you don't fix a health care system by taking away the patient's right to seek restitution for a mistake that may cost him his ability to work and quality of life.

No one is talking about taking away your right to sue. Look at the Texas plan, which is working and attracting many more high quality physicians to the state, as well as reducing overall frivolous lawsuits.

What should happen is limiting the "gold mine" jury awards (in some cases several tens of millions of dollars) for "pain and suffering" above and beyond compensation for continuing medical costs and treatment related to the purported injury. There is currently a huge incentive for plaintiff's attorneys to go after the "deep pockets" (i.e., they sue everyone) to rack up an award, because in the end they are going to get 30-40% of the purse.

Many, if not most, malpractice claims arise not from true malpractice (your so-called "blown call"), but for people who either didn't have an expected outcome (which they think constitutes malpractice) or from minor inconveniences because they didn't like the way a doctor talked to them. This has been studied extensively. Often, the indemnifying party will force the physician to settle these "nuisance" cases, regardless of the technical merit of the case, and the physician will be required to report this to the state licensing board.

This is madness.

Personally, I've not yet been named in a suit. I've not even been deposed or asked to testify in a case. I know it's inevitable, and it taints how I practice medicine. I am often forced to play the "what if" game, despite knowing that the likelihood of that "what if" being true is very low. This adds money to your bill. That's a fact. And, once your cap has been met, it's coming out of your pocket. If that's the system you like, so be it.

Now, as far as your other comments, I have to make complex medical decisions on a daily basis that require analysis of intricate and multifactorial analyses of laboratory data, clinical tests, recognizing important changes in vital signs and clinical signs and symptoms, and a multitude of other variables too numerous to recount here. I perform invasive procedures that, if done improperly, can result in potentially lifelong or even life-ending complications to the person I'm trying to help. I do this, again, daily. My training, beyond four years of undergraduate work, was four years of medical school, four years of residency, and one year of fellowship. I'm approximately $140,000 in debt from my medical school loans. During the five years post-medical school graduation continuing to learn and perfect my craft, I averaged about $48,000 year in salary... which works out to about $14/hour considering the amount of time I've worked.

I'm not diminishing the fact that police officers and members of the armed forces don't go out and put their life on the line everyday, and often have to deal and effectively interact with a public that is "at its worst". But, to insinuate that their level of training, which is an apples-to-oranges comparison to begin with, is even remotely on par with what I've endured to get where I am is a bit insulting.

I occasionally hear this same argument from nurses, who again are highly trained and critically involved in the patient's overall treatment plan. But, the fact is, the buck doesn't stop with the nurse. And, having that incredibly level of responsibility being fully in charge of what happens to someone's life while they are in the hospital is something that, I respectfully yet sternly will tell you, is something you cannot fathom until you experience it.

So, they system is broken. It is not the fault of the physicians who collect a relative pittance, in my opinion, in comparison to what sacrifices they make for it. Furthermore, I will tell you that if you punish doctors by further limiting reimbursements, you will not only completely disincentivize young, bright, hopeful pre-med students from going into the field, you will also cut-off the flow of the 25% of highly-trained foreign doctors entering the country seeking jobs here. That's right. Nearly 1/4th of the 800,000 practicing physicians in the U.S. are foreign-trained. The COGME anticipates that there will be a 200,000 (that's not a typo) physician shortage by the year 2020.

Ask yourself this: do you want less-qualified, less-trained individuals making those same life and death decisions? If you don't fix the tort system in the U.S. and you cut reimbursements to disincentivize young hopeful kids from pursuing this long, arduous path, that's what you're going to get. You're going to get a system that tries to put everyone in "the box", diminishes the individual patient and their problems, and you'll have to hope for the best when you set foot in the hospital... even more than you are doing so now...

~Dr. Imago
 
Often, the indemnifying party will force the physician to settle these "nuisance" cases, regardless of the technical merit of the case, and the physician will be required to report this to the state licensing board.

This is madness.

Ah, so my suspicions were right. The malpractice insurers are settling cases that they ought not and then turning around and raising premiums on doctors and hospitals. I would think that's the spot to tighten things up.

If these cases are only being settled because they're a nuisance (and presumably they wouldn't succeed in court), we shouldn't be rewarding them. It might mean a short term loss (actually going to court) in exchange for a long term gain. (By the way, I am in favor of tort reform as far as requiring plaintiffs to pay the defendant's costs if the suit is deemed "frivolous".)
 
I have two words that describe, IMO, in full, the problem with the american system.

INSURANCE INDUSTRY!

TAM:)
 
I've heard this anecdotally as well, but it doesn't jive with my experience. Do you have a cite? Health insurance is of a very short term nature. Premiums are paid out in claims almost immediately (maybe a month or two delay). Health insurers can't sit on your premium dollars and let them grow in the market the way life insurers can. Or property insurers that build up big reserves over time to handle catastrophic natural events like hurricanes. Individuals and groups tend to pay premiums one month at a time for their current month of coverage.

I'm no authority on the insurance industry, but I'm pretty sure insurers in general are a sort of financial institution. A quick google on "insurance company profitability" turned up this.

Overview: The insurance industry is in a state of change. Convergence, globalization and consolidation - as well as new technologies and changing demographics - are impacting the pace and level of change. As a result, insurance companies will be challenged to remain competitive and, ultimately, to thrive. Effective management of capital has never been more important for insurers. Low interest rates, volatile financial markets and more entrants into the public markets are causing companies to re-evaluate their lines of business to optimize capital allocation.

Also this, which was regarding property insurers (who made a nice profit even though they paid out huge claims due to Katrina): "We're not being good stewards of our investors' capital or our policyholders' surplus if we keep doing business where we can't make money."

I doubt that large stable companies offering health insurance don't rely a lot on "effective management of capital". I think the skyrocketing health insurance premiums at the very least coincided with the downturn in the economy.

At any rate, I'm not sold on the idea.

What is obvious is that the U.S. is spending way more and getting a lot less than many other countries. We can definitely do better!
 
If these cases are only being settled because they're a nuisance (and presumably they wouldn't succeed in court), we shouldn't be rewarding them. It might mean a short term loss (actually going to court) in exchange for a long term gain. (By the way, I am in favor of tort reform as far as requiring plaintiffs to pay the defendant's costs if the suit is deemed "frivolous".)

The reality is that they often cost far more to litigate than they do to settle. And, such cases often drag on for years.

Usually the claim is nebulous, and the technical merits of the case sketchy. So, to depose everyone and defend it just isn't worth it to the malpractice underwriter. And, despite the fact that many doctors would like to have their day in court, they'll never get it. They have no say in the matter either.

~Dr. Imago
 
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In the USA, access to specialists is a sticky thing. There have been times when I was able to see a specialist almost right away, and there was at least one time where it took me several years (inlcuding many months in intense agony) before I could see a specialist who would finally treat the condition successfully.

In both cases, I had to get a referral from my family doctor.

In the first case (where I got access to the specialist quickly), the specialist had people on staff to coordinate with the family doctors, work with the insurance companies, and perform the preliminary screenings to make sure the specialist's services were really needed.

In the second case, my family doctor(s) did not want to get a specialist involved for various reasons (in the end, I had to insist quite forcefully but politely), and the specialist did not have the staff people to make her services more accessible and thereby increase referrals.

As a general rule, in the USA, specialists have to be referred by the family doctor, or there has to be an emergency of some kind.

That's the main difference, as I see it, between an HMO (Health Management Organization) and a Traditional Plan. I have a Traditional Plan and, not needing to be referred to by my family Physician, I've never had any problem getting specialized care.

As I understand it, there is a formula used by insurance companies regarding the amount of money family physicians are allowed that lessens their profit if the Physician sends you on to a specialist. There is strong incentive for a Physician not to do this and this incentive is a mandate of the HMO.

I have heard horror stories regarding HMOs so when one says that we have the best system in the world, I know better.

Bob Guercio
 
I'm really disappointed that tort reform is not part of the present reform proposal. I'm not going to freak out about it right now, because reform is going to be an evolutionary process, I suspect, and right now I think we just need to get the public plan option through.
After that, I think the American people will rally behind US physicians in support of tort reform once the situation is explained to them.
But for the moment, Obama appears to be engaging in a narrow selection of which battles to pick, and probably doesn't want to anger American lawyers at this crucial point in time.
I think. That's the only reason I can think of behind the omission of tort reform in the present proposal.
 
The reality is that they often cost far more to litigate than they do to settle. And, such cases often drag on for years.

Usually the claim is nebulous, and the technical merits of the case sketchy. So, to depose everyone and defend it just isn't worth it to the malpractice underwriter. And, despite the fact that many doctors would like to have their day in court, they'll never get it. They have no say in the matter either.

Well, I'd be in favor of reform that means meritless cases get dealt with and tossed out quickly so that there's no incentive to settle them. As I said, it would only take laws requiring plaintiffs to have to pay for defendants' expenses if the case is judged meritless (something the finder of fact can determine). Then there would be no reason for insurers not to go to court. (Funny thing--actually deciding suits in court rather than by settlements!) If a plaintiff's claim is legit, then they don't stand to lose anything (and in those cases, the insurer is probably happy to settle out of court).

Capping damages doesn't really do that though, does it? At most capping damages can lead to lower settlement offers, but if the problem is settling claims that wouldn't win in court, then capping damages doesn't get at the real problem.
 
No one is talking about taking away your right to sue. Look at the Texas plan, which is working and attracting many more high quality physicians to the state, as well as reducing overall frivolous lawsuits.

Okay, before I openly make fun of what you're saying here: do you or have you ever lived in Texas? Are you aware of not only the availability of general healthcare in the state (or lack thereof), but the costs associated with how the system is set up?

You want to know what the Texas plan consists of? Forcing patients to sign agreements stating that they will not sue due to complications, often while sitting in the doctor's office and with very little choice but to say yes or no. Screw that noise. I walked right out of one office while getting my insurance company on the phone when they tried to pull that crap on me for a relatively mundane thing. I had a new doctor the next day and less lawyering up and more negotiating when the patient verification forms came up. I'm glad I wasn't in Texas when I nearly died in a car accident almost ten years ago, because I have zero confidence that the medical community here in Texas (where I'm currently living for at least the next few months) would have been as effective at keeping me alive-- not because of a huge difference in skill, mind you, but because I don't trust the system here to have my best interests in mind and would instead do the minimum necessary, and that would be even if the EMS could have gotten me to a suitable trauma center in time (yeah, I was banged up that bad... think uncooked hamburger, and that's pretty close to the condition I was in).

I don't mean to be so harsh on the doctors in this case, because they have every right to want to cover their behinds. I just don't feel that the Texas method is serving the public who would use the healthcare as well as it seems focused on serving the doctors and medical professionals. I believe Texas also has one or two of the cities in the US with the highest amount of spending for healthcare, as well.
 
Can someone explain to me what Obama's health care plan actually entails?

Could somebody please address what is meant by "counseling sessions for the aged"? The extreme right has grabbed whatever this is and labeled it "death boards". I'm sure this is not what Obama has in mind but I'd like it clarified.

Thank you,

Bob Guercio
 
That's easy - it's about what you want to happen to you when you aren't capable of deciding for yourself (at that moment of time). For example if you have a heart attack you may decide that you do not want to resuscitated. In other words it is about the medical profession respecting your wishes and you receiving the treatment that you want.
 
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Could somebody please address what is meant by "counseling sessions for the aged"? The extreme right has grabbed whatever this is and labeled it "death boards". I'm sure this is not what Obama has in mind but I'd like it clarified.

Thank you,

Bob Guercio
They just ask a few questions about your favorite color and your preference in music, and reassure you that you'll get the full twenty minutes.
 
Appointments with healthcare professionals to discuss and clarify the patient's personal wishes for end-of-life care. "Living wills." Experience shows that when elderly patients have access to such counselling sessions, and are able to express thair thoughts and feelings, actual end of life treatment is an easier and less stressful experience for all concerned.

Previously the time of the healthcare workers spent doing this had to be billed as something else, because Medicare didn't cover it. Obama's proposal clarifies that the cost of these sessions will be covered, and specifically confers the right of the elderly to have such counselling if they want it. I don't believe there is anything there that says the elderly person can't just tell the well-meaning counsellor to stick their appointment where the sun don't shine.

And the system specifies it will pay for such sessions every five years, because things change, both for the patient himself and as regards the capabilities of medical technology and indeed palliative care. So you don't want someone of 96 stuck with a living will he made when he was 80.

I don't know why some people have a problem with this.

(OK, I do know....)

Rolfe.
 
Could somebody please address what is meant by "counseling sessions for the aged"? The extreme right has grabbed whatever this is and labeled it "death boards". I'm sure this is not what Obama has in mind but I'd like it clarified.

Thank you,

Bob Guercio

Darat has it right. Essentially "Counseling sessions for the aged" as you have called it, is referring to an elderly but competent patient sitting down with their physician and discussing what they want to happen when they eventually stop breathing or have their heart stop. They can tell their doc at this session that they want every possible means used to bring them back, or they can tell their doc that when they stop breathing and their heart stops, that they want to be allowed to die.

Obama's plan for this, is not to force it on people (you don't have to have such a counselling session), but merely to provide Doctors with appropriate compensation for providing this session to their patients.

TAM:)
 
...snip.... So you don't want someone of 96 stuck with a living will he made when he was 80.

I don't know why some people have a problem with this.

(OK, I do know....)

Rolfe.

(Warning: slight but sadly only slight hyperbole & rhetoric coming up).

Why shouldn't they be stuck with the decision they made in their 80s if they can't afford another the session? After all some of the opponents of any form of universal health care are quite happy someone being held to "health decisions" they made at the moment of their conception!
 
Darat has it right. Essentially "Counseling sessions for the aged" as you have called it, is referring to an elderly but competent patient sitting down with their physician and discussing what they want to happen when they eventually stop breathing or have their heart stop. They can tell their doc at this session that they want every possible means used to bring them back, or they can tell their doc that when they stop breathing and their heart stops, that they want to be allowed to die.

Obama's plan for this, is not to force it on people (you don't have to have such a counselling session), but merely to provide Doctors with appropriate compensation for providing this session to their patients.

TAM:)

I understand.

I do wish the Obama had not said this because it is so easy for the "right" to take it out of context and give it another meaning.

Bob
 
What should happen is limiting the "gold mine" jury awards (in some cases several tens of millions of dollars) for "pain and suffering" above and beyond compensation for continuing medical costs and treatment related to the purported injury. There is currently a huge incentive for plaintiff's attorneys to go after the "deep pockets" (i.e., they sue everyone) to rack up an award, because in the end they are going to get 30-40% of the purse.

Another important thing to remember is that the millions of dollars going to these cases is money that is being taken out of the health care system and thus cannot be used to treat people. Malpractice insurance premiums are passed along to us. Imagine how many routine checkups could be payed for with the millions that the attorneys get in one of these "gold mine" jury awards.

How much are we willing to pay the for the doctor's "blown call"? Ultimately, the buck stops with us.
 
Someone's about to come up with the "what do you call a thousand dead lawyers?" joke.

Apologies to Lash and others.
 
Another important thing to remember is that the millions of dollars going to these cases is money that is being taken out of the health care system and thus cannot be used to treat people.
Not only that, but:

"Although the direct costs of malpractice lawsuits are limited -- $30.3 billion in 2006 -- research using data frem 1984 to 1990 suggests that the practice of defensive medicine could produce extra costs fo up to $50 billion per year."
http://www.mckinsey.com/mgi/reports/pdfs/healthcare/US_healthcare_report.pdf
 
I understand.

I do wish the Obama had not said this because it is so easy for the "right" to take it out of context and give it another meaning.

Bob

It's a standard practice. Patients frequently consult with doctors about what kind of decisions they want made and every plan has to decide whether or not you can bill your insurance for that consultation. This plan says you can, and any plan suggested by either political party would have included it.

It's not some bizarre thing they just stuck in there. This kind of language is in every health plan, and I thought it was in Medicare as well.
 

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