HumblePie
Lifer
- Oct 30, 2000
- 14,665
- 440
- 126
I was discussing this the other day with some more intelligent co-workers and friends. Basically here is some of what we discussed.
The current healthcare system in America sucks. We all agree. No one can debate this. It sucks and gets worse year by year. So what are the main points I and my colleagues view as to why it sucks? Okay here it is.
1) Cost.
Healthcare in America costs way too damn much. Which begs one to ask the question, Why? Well there are a several major answers and factors into this. It's not as if there is a lack of supply or demand. Here are some of the major things I've seen, spoken with doctor friends, and people who run hospitals and medical accounts. There is 3 main reasons why medical care in America is too costly and only goes up and up every year.
a) To even earn the right to be a doctor in America, one must have proper education. Educational costs in America have skyrocketed. You see, the higher education system is not a true supply and demand scenario. It operates much like debeers. It's a bait and trap system. Meaning schools need bait to trap students. They do so by spending a ton of money for better campuses, better faculty, better fields, better sports, better tvs, or whatever. The education in most school doesn't differ if they are accredited. So many higher education schools do what debeers does with diamonds and "create" demand. They make it seem like a person gets a "better" education by going to their higher priced school. Then this is reinforced by prior graduates that enforce it later when it comes to hiring. In reality, it's not what you know it is who you know. This leads to doctors graduating with tons of debt from trying to get a degree from high priced schools. To end their debt, they charge more for their services.
b) Operation costs and supply costs. Doctors may know medicine, but rarely do they know much about costs or accounting. The problem is they hire people that may know it but have no problem buying the most expensive crap out there. I knew a doctor that was paying $5000 per stethoscope, when he could have bought the same thing for a couple hundred bucks. Why? He didn't know and the people that sell him supplies know he doesn't know. They also know he can afford it. Why? Because when he gets charged too much for supplies, he charges more for his services. The more his operating costs increase, the more he charges. The more he charges, the more the supply companies feel they can increase their charges to him. Add in the fact that some things are just ridiculously expensive because of damn near monopoly based items like MRI machines, and you got a recipe for increased healthcare. Does anyone know that MRI machines run into the MILLIONS, but cost no where near that amount to produce? Most MRI's are owned by multiple doctors taking out loans and collaborating funds to make a purchase. To pay off their debts, they have to charge the sick.
c) This is in relation to the previous example with supply costs, but is not from the doctors. An example is pharma companies drive demand for products with pervasive advertising. They also bully, strongarm, bribe, and flat out lie to doctors when it comes to their products. Go watch the old Dateline episode on Clariton and you'll be in for a real eye opener. Look, doctors know how to practice medicine, they don't know much more about the actual medicine they give out usually than what they read on a brochure. It's a corruption of costs by related industries to the healthcare system.
2) Declining care quality
Lets face it, we no longer have the best. America being hailed as the highest and finest standard of healthcare is no longer true. Some still boast it, but the fact remains that we aren't. Doctors and health professionals in other countries do much better jobs and is reflected in lives saved, healthy living styles, and life expectancy. Now, we aren't the worst, far from it, but our care isn't what it once was. Especially not for the price. I personally attribute this to a declining education that focuses more on prestige than actual education. Hiring managers that focus more on where someone comes from than what they've done. Doctors and healthcare professionals getting into the business for the money, because everyone knows doctors are rich! (yah that mentality), instead of becoming doctors to actually help people.
I am not saying we don't have some outstanding doctors, but most will charge so much that only a very few have access to their services.
3) Unequal treatment, pricing, and insurance
Have insurance? You get the red rug rolled out for you. Don't? Then you pay double, triple, or more... assuming they'll help at all. This is just how things currently are and they are wrong. Insurance companies shouldn't be able to dictate pricing and who can be seen and who can not. Insurance needs to do two things, collect money and pay. The whole point of insurance is a system that allows people to basically "pool" money together so that when one person needs it, then that person can gain access to it. The problem is when this is from a "for profit" organization who's interests aren't exactly the interests of the people they are taking money from. They are out to make money. They do so by taking in so much money, and then skimming however much they deem is fit. The other problem with insurance is it leads to corruption very easily. Large amounts of money from uncountable sources with little accountability can lead to corruption and disaster. There are tons of laws in place, now after decades of abuse and corruption, but most of them don't address the real problem with insurance companies. They are for PROFIT.
4) Insurance, more detail
I don't get this concept, every country has taxes. Most people in America have no problem with taxes, which is basically everyone giving up a little money so that we as America can have things that we individually couldn't afford. This includes roads, public schools, a military, and other things. Yes, there is corruption in the system, because where there is big money there are sharks looking to take a bite. However, the government has more restrictions and more people looking over the shoulders of others for more accountability. Why is it that Americans I know have no problem with adding money in for insurance to a for profit organization to provide us with social benefits, but has major objections doing the same for the government who already does this for us? It boggles my mind! Why would you feel more trust in giving money to an organization who's ultimate goal is PROFIT versus an organization who's ultimate goal should be for the people? Again, I am not some naive person that doesn't realize the government has some corruption and people looking for a payday, but it is typically harder for that to happen versus a company that has NO ONE looking over its shoulders. This leaves us paying into for profit companies that are out to only make more profit, which can only be done by increasing premiums because "healthcare costs are going up" which begs the question, are they not helping increase costs in the first place to earn more money?
We also know that insurance companies can, will, and do deny coverage for anything that they can get away with. Prior problem? No coverage. Reach an arbitrary maximum? No coverage. By letting for profit companies have the reigns on the healthcare industry for so long has only helped bring the system to where it currently is today, which is directly into the crapper.
So those are the problems. There are many possible solutions, some better than others, but something needs to be done to address them ALL! If not we'll only be worse off than we currently are or we may get to the point that the only people that can get healthcare in this country are the elite rich.
The current healthcare system in America sucks. We all agree. No one can debate this. It sucks and gets worse year by year. So what are the main points I and my colleagues view as to why it sucks? Okay here it is.
1) Cost.
Healthcare in America costs way too damn much. Which begs one to ask the question, Why? Well there are a several major answers and factors into this. It's not as if there is a lack of supply or demand. Here are some of the major things I've seen, spoken with doctor friends, and people who run hospitals and medical accounts. There is 3 main reasons why medical care in America is too costly and only goes up and up every year.
a) To even earn the right to be a doctor in America, one must have proper education. Educational costs in America have skyrocketed. You see, the higher education system is not a true supply and demand scenario. It operates much like debeers. It's a bait and trap system. Meaning schools need bait to trap students. They do so by spending a ton of money for better campuses, better faculty, better fields, better sports, better tvs, or whatever. The education in most school doesn't differ if they are accredited. So many higher education schools do what debeers does with diamonds and "create" demand. They make it seem like a person gets a "better" education by going to their higher priced school. Then this is reinforced by prior graduates that enforce it later when it comes to hiring. In reality, it's not what you know it is who you know. This leads to doctors graduating with tons of debt from trying to get a degree from high priced schools. To end their debt, they charge more for their services.
b) Operation costs and supply costs. Doctors may know medicine, but rarely do they know much about costs or accounting. The problem is they hire people that may know it but have no problem buying the most expensive crap out there. I knew a doctor that was paying $5000 per stethoscope, when he could have bought the same thing for a couple hundred bucks. Why? He didn't know and the people that sell him supplies know he doesn't know. They also know he can afford it. Why? Because when he gets charged too much for supplies, he charges more for his services. The more his operating costs increase, the more he charges. The more he charges, the more the supply companies feel they can increase their charges to him. Add in the fact that some things are just ridiculously expensive because of damn near monopoly based items like MRI machines, and you got a recipe for increased healthcare. Does anyone know that MRI machines run into the MILLIONS, but cost no where near that amount to produce? Most MRI's are owned by multiple doctors taking out loans and collaborating funds to make a purchase. To pay off their debts, they have to charge the sick.
c) This is in relation to the previous example with supply costs, but is not from the doctors. An example is pharma companies drive demand for products with pervasive advertising. They also bully, strongarm, bribe, and flat out lie to doctors when it comes to their products. Go watch the old Dateline episode on Clariton and you'll be in for a real eye opener. Look, doctors know how to practice medicine, they don't know much more about the actual medicine they give out usually than what they read on a brochure. It's a corruption of costs by related industries to the healthcare system.
2) Declining care quality
Lets face it, we no longer have the best. America being hailed as the highest and finest standard of healthcare is no longer true. Some still boast it, but the fact remains that we aren't. Doctors and health professionals in other countries do much better jobs and is reflected in lives saved, healthy living styles, and life expectancy. Now, we aren't the worst, far from it, but our care isn't what it once was. Especially not for the price. I personally attribute this to a declining education that focuses more on prestige than actual education. Hiring managers that focus more on where someone comes from than what they've done. Doctors and healthcare professionals getting into the business for the money, because everyone knows doctors are rich! (yah that mentality), instead of becoming doctors to actually help people.
I am not saying we don't have some outstanding doctors, but most will charge so much that only a very few have access to their services.
3) Unequal treatment, pricing, and insurance
Have insurance? You get the red rug rolled out for you. Don't? Then you pay double, triple, or more... assuming they'll help at all. This is just how things currently are and they are wrong. Insurance companies shouldn't be able to dictate pricing and who can be seen and who can not. Insurance needs to do two things, collect money and pay. The whole point of insurance is a system that allows people to basically "pool" money together so that when one person needs it, then that person can gain access to it. The problem is when this is from a "for profit" organization who's interests aren't exactly the interests of the people they are taking money from. They are out to make money. They do so by taking in so much money, and then skimming however much they deem is fit. The other problem with insurance is it leads to corruption very easily. Large amounts of money from uncountable sources with little accountability can lead to corruption and disaster. There are tons of laws in place, now after decades of abuse and corruption, but most of them don't address the real problem with insurance companies. They are for PROFIT.
4) Insurance, more detail
I don't get this concept, every country has taxes. Most people in America have no problem with taxes, which is basically everyone giving up a little money so that we as America can have things that we individually couldn't afford. This includes roads, public schools, a military, and other things. Yes, there is corruption in the system, because where there is big money there are sharks looking to take a bite. However, the government has more restrictions and more people looking over the shoulders of others for more accountability. Why is it that Americans I know have no problem with adding money in for insurance to a for profit organization to provide us with social benefits, but has major objections doing the same for the government who already does this for us? It boggles my mind! Why would you feel more trust in giving money to an organization who's ultimate goal is PROFIT versus an organization who's ultimate goal should be for the people? Again, I am not some naive person that doesn't realize the government has some corruption and people looking for a payday, but it is typically harder for that to happen versus a company that has NO ONE looking over its shoulders. This leaves us paying into for profit companies that are out to only make more profit, which can only be done by increasing premiums because "healthcare costs are going up" which begs the question, are they not helping increase costs in the first place to earn more money?
We also know that insurance companies can, will, and do deny coverage for anything that they can get away with. Prior problem? No coverage. Reach an arbitrary maximum? No coverage. By letting for profit companies have the reigns on the healthcare industry for so long has only helped bring the system to where it currently is today, which is directly into the crapper.
So those are the problems. There are many possible solutions, some better than others, but something needs to be done to address them ALL! If not we'll only be worse off than we currently are or we may get to the point that the only people that can get healthcare in this country are the elite rich.