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CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Magic Underwear posted:

The hospital industry should be stealing that methodology as well as the much better warning/caution/info methodology that planes use, to keep people informed of what's actually important and not bothering them with what isn't important.

lol if you think doctors will ever allow themselves to be questioned by lesser people like nurses or patients.

CRM works on airplanes because the pilot has an incentive to not die in a fiery crash either.

Meanwhile doctors aren't giving themselves 6,160 mg of Septra along with the patient

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CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

cis autodrag posted:

I'm well aware. The solution they're going with (entirely at the fiat of Janet Campbell because she took gender studies on college for a humanities credit, seriously) is to mark every patient as "Transgender male/female to male" or "transgender female/male to female" and display that information to every single user of the system. And she doesn't think it's important to account for intersex people on this paradigm at all.

The fact that leadership was listening to her and not their hundreds of trans employees with lived experience navigating the medical system is a big part of what drove me to quit.

What the gently caress is it with EMR companies and cult leader senior management? Cerner's ex-CEO (who is now dead) was an objectivist lunatic and faulkner still thinks the world should work like Wisconsin's compsci department.

I got massively turned off to the epic way of doing things when I was interviewing for a job there years ago and they made me do a proctored IQ test where some bored guy looked at me through my webcam.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Crashrat posted:

Remote proctoring is a pretty big thing now in online education. Pretty much any online school is going to require it.

Can you elaborate on what you mean by



Learn to read, it was for a job application and not getting a degree online

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
I do not know a single person who is insured by an association health plan.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

BarbarianElephant posted:

There's trust issues there. You need to expect people to trust that they won't have to pay both increased taxes and insurance too. Americans are too used to being hosed over that way.

Plus, it's also a way of saying "All you people who work in the health insurance industry/healthcare billing? Vote us for unemployment." And that's a lot of people. Hillary got in trouble for being slightly hostile to coal mining, which employs 3 guys and a robot. Healthcare bureaucracy employs a LOT of people.

This. Pretty much the only way it's going to work is creating a universal public system and keeping the private, employer sponsored model around simultaneously so rich/white people can double dip whenever it is convenient. See how it works in brazil

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

JustJeff88 posted:

I want to be clear that I am not being a dick here and am bringing this up just as an important talking point: Pretty much everyone else has some form of universal or semi-universal coverage and they do not have massive unemployment. The British NHS was established in 1948 during the Great Reconstruction after the devastation of the war and I know of no massive unemployment. I believe that Canada's system began in the province of Saskatchewan in 1962 and I also know of no massive employment problem there. Why, then, is it impossible for the US system to transition without putting millions and millions out of work? After all, giving people better coverage will increase the number of people taking advantage of it, which will increase the need for health services, both medical and administrative, would it not? Even if you totally abolished private insurance, which even I am not sure is the best route, the need for health services will grow and, like any sector, a growing need for a service means more jobs in that field.

I'm not worried about insurance jobs- nobody outside of that middleman industry gives a gently caress about them.

What I am worried about is taking away employer paid healthcare from a population conditioned for 3 generations to accept it as the only way things work.

It's an insanely arbitrary and capricious system where people making $12/hr can suck down over 70k a year in humira infusions and stick with the job because the health plan literally is worth several times their salary.

The system is also tinged with classism and racism- ESI predominantly benefits wealthy individuals and white individuals. Unlike the ACA exchanges, which allow anyone with money to buy a high tier metal plan if they have the cash for it, employer paid locks those benefits behind a corporate filter so only "people like me" get the good stuff.

Khisanth Magus posted:


I have also never seen a HDHP where the employee part of the premium was less than $150, usually significantly more. If you have no ongoing health problems you are paying that $150 a month to receive nothing if you have to go to the doctor once or twice. It might as well be one of the "catastrophic health plans" that the PPACA made illegal.



Depends on the size /health of the group, andhow much money your employer wants to shell out. My last employer only had a HDHP with a whopping 3300 USD deductible but the premium was $40 a month. My current employer offers one with a more managable deductible of $1500 a month but the premium is $55 a month.

CAPS LOCK BROKEN fucked around with this message at 05:04 on Oct 25, 2017

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
Maybe the government should craft and implement policy that benefits everyone and not this means tested horseshit

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Crashrat posted:


dude typing paragraphs

Maybe this is why social insurance shouldn't be handed to for profit insurers to salami slice into profitability

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Timby posted:

This is actually legal now on employer-provided plans. My company just changed its insurance offerings this year and explicitly says that any claims filed for injuries or illnesses "resulting from drug or alcohol abuse, or other lifestyle choices" will not be covered.

That standard is a little bit more concrete than a bunch of fundies denying you expensive care and trying to get out of it with a flimsy religious justification

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
This is why the comparison shopping market euphoriacs are shitheads - sometimes an aching neck is computer use strain and sometimes it’s meningitis

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
When I went to the ER last year for a head injury they told me not to worry about the insurer's ER policy denying non-emergent claims because their "business department" knows the correct codes that grant magic access to sweet claim money. What this will result in is an escalating war of the billing codes where insurers will change which codes are ER-claim eligible and hospitals will try and keep up with them.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

esquilax posted:

Frist for example voted to expand medicare entitlements to cover prescription drugs for seniors.

Giving old white people goodies is a key part of the gop platform.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

The Phlegmatist posted:

Discharging patients into an SNF around here is basically a death sentence. They boomerang back and are readmitted inpatient on day 21 after the utilization manager kicks them out except now they have sepsis somehow.

I've seen this happen so many times that I wonder wtf is going on in these facilities.

I used to organize CNAs and activity/dietary aides in those facilities and can tell you they are where people go to die basically

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
Buying ventolin from India has kept costs down for me.

I’m doing my part!

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

silence_kit posted:

I have a similar program at my work. It’s not as Draconian as the teacher makes it sound. It sucks that her premiums are greatly going up though—people really need to start applying pressure to providers and drug and device companies to lower costs.

As long as private third party payers in the US want to treat the exercise like a wild west B2B swindle where the patient occasionally gets saddled with the full cost nothing is going to happen.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
The jury is still out on whether or not high cholesterol causes heart disease

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
By 2030 we're going to have a single payer when all the pharmacy chains/insurance claims/PBMs/hospitals combine into a for profit kaiser style operation

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
In my experience doctors are arrogant turds who need a haircut in any kind of health reform scheme (i.e. mass paycuts and loss of autonomy).

My allergist is straight up a racist dickhead who talks about "those people" and probably says poo poo about his asian residents behind his back.

My brother was straight up hazed by a gang of white doctors when he was doing his rotations as a pharmacist.

Here is a poor naive asian resident who thought the system worked when he reported his superiors for racist harassment and vanderbuilt medical center suspended him.

Doctors routinely have no idea how much things cost nor do they have any willingness to buck a system where the "business department" does all the evil so they can do all the treating without thinking of the financial costs.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
Just call it Tandencare.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
My employer paid plan demands precerts for all kinds of random procedures and the generic copay keeps on going up uP UP

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

esquilax posted:

People are better consumers of healthcare when in high deductible plans, so companies often give greater subsidies to those plans than to PPO plans.

Hahah this is demonstrably false.

https://www.kff.org/private-insurance/issue-brief/consumer-assets-and-patient-cost-sharing/

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
You can see all kinds of companies using HSAs to eat around the edges. The industry I'm in typically has lavish medical plans courtesy of a good risk pool of young, healthy, and mostly rich employees. One of our competitors ditched the traditional $350 deductible PPO for HDHPs with a $1,350 deductible. It is functionally the same because they seed your HSA with $1000 a year effectively giving you the same spend as the $350 deductible, but at the first sign of economic meltdown they're going to shrug their shoulders and start reducing that $1000 a year to $750 a year or $500 a year.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

The Phlegmatist posted:

The reason why employer-based insurance sticks around isn't because of altruism or decency. It's because that it's incredibly tax-advantaged compared to raising employee wages. Healthcare costs have been outpacing inflation for, uh, approximately forever. Nevermind wage growth.

The high cost of healthcare is why we get weird poo poo like Caterpillar becoming its own PBM. Some of our members are paying more to insure their employees than they're actually paying them in wages. poo poo's bad and it's gonna keep getting worse.

Yeah first sign of the dollar melting down or some kind of world bank imposed structural adjustment and the tax break on employer sponsored health insurance is going in the dumpster.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Crashrat posted:

The hard part is transitioning to OpenEMR. Almost ALL of their lab records are on paper that were uploaded as PDFs to Practice Fusion. Nothing was entered as structured data or pulled electronically. I have absolutely no idea how to pull that from Practice Fusion in any way except manually one-by-one.

Sounds like a job for unpaid interns

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
For large group employer plans the insurer is actually your company and aetna etc. are just the people who handle the paperwork

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

RisqueBarber posted:

This is probably true for any employer with over 150 employees. Self-funded plans typically cost less and allow more customization from the employer.

Right, so blaming aetna for pushing a HDHP would be somewhat disingenuous. They offer a product that executives at your employer want to cut costs. They could also offer an indemnity plan to everyone where you file claims and the company pays 100% of those claims too, but that’s usually reserved for top executives and not the peasantry.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
Urgent Cares have a nasty habit of turning away medicaid patients, who then clog up the ER system with sniffles and troubles. I once went to a large teaching hospital’s ER after a head wound and the waiting room was full of people on a Saturday night. After I was admitted the guy on the gourney next to mine had been there for 48 hours without being seen for his complaint. They worked hard to prioritize the people with real problems like gunshot wounds first and the commercial insurance holders after that. Medicaid/uninsured got shafted.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
This is also why analogies to car insurance fall apart. Every part of a car is a known quantity while complicated biochemical pathways can go wrong in a number of ways. Sometimes a headache is a headache and sometimes it’s brain cancer.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

KillHour posted:

This right here is WHY Socialism has a bad reputation and didn't do so well in the past.

bad reputation with whom, the bougies and their goons or the average person?

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

KillHour posted:

Most people don't think of the French revolution as a good thing that happened.

Good thing the French Revolution wasn’t an example of socialism

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
CAPs medicare XXXtra plan institutionalizes 80AV plans as the new normal, a standard of benefit that’s much lower than most employer paid plans. For example, a 80AV plan in my state usually has a $1500 deductible and $5000 OOP max. Hardly “affordable”

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
I don't know why it would be so hard to consolidate all our of 16,000 or so payers into a few industry-wide funds and then finance them with a joint payroll tax on employers and employees. It would still keep payers private, allow for enhanced bargaining due to the size of the payers, and allow people theoretically the freedumb of "choice" while still ensuring universal coverage for everyone.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
As an Insurer Resists Paying for ‘Avoidable’ E.R. Visits, Patients and Doctors Push Back


quote:

“It’s the place where the incentives in health care break down,” said Zack Cooper, a health economist at Yale University, who has studied patterns in out-of-network bills. “You’ve ended up with this death struggle between insurers, hospitals and emergency room physicians, and patients get caught in the middle.”

Bowtie spinning capitalist apologist shocked, SHOCKED, that in the murky B2B world of american healthcare a horizontally integrated giant will try and stiff the little guy. Shocked! :monocle:

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy
Cost control is impossible in the US because of unrestricted ability for providers and the supply side to price gouge. You're only telling half the story and there should be concerted state action to bust doctors, "nonprofit" teaching hospitals, devicemakers etc and their pricing cartels.

Another issue I see with the centrist handwringing from the wonk class is that the employer paid insurance mechanism is already collapsing under its weight. It's a bit like having a bowtie spinning expert tell you all we need to do is shuffle the deck chairs around when the titanic has already hit the iceberg.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

zonohedron posted:

Because I think of Medicaid and I think of doctors not taking it and states doing their best to cripple it,

Medicaid subscribers have the highest satisfaction out of any group of government insured patients, the capitalist media omits this from their doom and gloom hitpieces on it.

zonohedron posted:

and I think of the VA and I think of interminable bureaucracy and wait times.

Most VA patients are satisfied with their care from the VA. Remember, before America decided on never ending mideast wars as their cornerstone public policy the VA's primary goal was to take care of aging people and geriatrics from foreign wars of the past. For example, I dated a woman in college whose korean-war vet grandpa was essentially only alive because of the VA's excellent care.

Again, I wonder why the capitalist media would constantly fearmonger the VA and pretend like the entire deal is collapsing? 🤔🤔🤔

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

B B posted:

Do you know of any articles about these deals?

https://www.nytimes.com/2012/06/09/us/politics/e-mails-reveal-extent-of-obamas-deal-with-industry-on-health-care.html

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

VitalSigns posted:



Compare Medicare, a wonky and technocratic law that functions better than anything else in the country, because it wasnt written by morons more concerned with preserving industry profits than delivering care.



Nobody on the payer side fought medicare because nobody's in a rush to insure the statistically least healthy age demographic. Meanwhile the AMA hated it and called it socialized medicine. Ironically, medicare was the first time for many on the provider side where they had a guarantee that their bills would be paid and it made doctors fabulously wealthy. Doctors today might complain about medicare but if you ask them if they want it abolished they'll backpedal furiously, they just want to be paid more.

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Highbrow Slick posted:

The ACA is hugely beneficial to all people eligible for APTC and Cost Share Reductions up to 250% of the Federal Poverty Level, full stop. It also benefits older people eligible for APTC (about 40-64 years old) making 250-399% FPL. Younger people making decent but not great money, and people over 400% FPL need to somehow be included in the subsidizing of premiums, copays, coinsurances, and deductibles to gain favor for the ACA. That isn't to say it would solve the many other problems of access, drug costs, etc. But to say that few people benefit at all from the ACA is extremely disingenuous.

How many people do you think understand that level of technocratic bowtie spinning and appreciate the genius of a smooth subsidy rampdown???

CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Zauper posted:

Most recent data shows that aggregate Medicare margins for hospitals is negative 8%. Medicare plus five is still negative in that case. Seems a bit like a problem..

Seems like the expectation that hospitals deserve to make a profit is the problem here.

There's really only a handful of sectors were incumbents are entitled to make money and they are usually heavily regulated utilities. Do you think your average rape and run nonprofit hospital chain wants to have its prices set by a utility board?

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CAPS LOCK BROKEN
Feb 1, 2006

by Fluffdaddy

Zauper posted:

Medicare's $6.4B in payments to cover uncompensated care is included in the hospital Medicare margins. But also, frankly, that's part of why commercial insurance pays more than Medicare. The average hospital with a higher % of bad debt has a lower loss on Medicare patients (6% vs 15)


You mean do I think the average hospital wants all payments to be set by Medicare? Probably not - they don't make money, in aggregate, on Medicare, except for when they can game it. I think the average provider should break even on care in aggregate, I don't care about them making a profit. And frankly, setting prices ala charge master or FFS is a mistake, and Medicare's episodic payment approach (which is how they do hospitals but not docs) is much better...aside from the risk of early discharge.

May be worth mention that the average nonprofit loses about 11% on Medicare patients while the average for profit only loses 2%.

All payer margins sit at around 6%, which is a sign of just how much they make on commercial relative to Medicare. (iirc Medicare is around 60% of bed days). CAHs generally perform much worse, but are also excluded because their payment status from Medicare is a bit unique. Ultimately the question is how it impacts efficiency and how many hospitals you are willing to put out of business. MedPAC is largely willing to put the bottom quartile of efficiency out of business. That seems fine to me, given the caveat that you'd protect CAHs to guarantee access. But when you get to average efficiency, aggregate Medicare margins are around -1%. I want to say they define efficiency around a combination of cost and outcomes (readmissions), but don't remember offhand.

Spin your technocrat bowtie all you want man, you might be aware that hospitals were literally unprofitable before medicare and were considered charities

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