CurlTalk

Rant about medicare

curlypearlcurlypearl Posts: 11,970Registered Users Curl Neophyte
Most of the doctors I know simply won't take Medicare. Fortunately, I am working now so I have health insurance through my employer, but when I wasn't able to find work and used Medicare it was totally useless because no doctors in NYC take it! I can't really blame them - one told me he gets $7.00 for a doctor's visit for which he charges $150.

Has anyone else experienced this? What a total ripoff! I wonder whether Obamacare has any impact on this.

Really, the entire medical/insurance system in US is colosally f*ked up. I hope I don't get banned for using that abbreviation but the system is beyond dreadful. Why have I paid into this system for years and can't use it? What happens to the poor folks who have no insurance (I can hardly bear to think about it - my sister has nothing except what I can give her). Shame on everyone who devised this system and profits from it.
2/c Coarse hair med. density.
Highly porous. Color over grey.
I love all the Curl Junkie products. Still experimenting with gels and curl creams. Still hoping for 2nd day hair....
Every day is a gift :flower:
«1

Comments

  • CurlyCarmenCurlyCurlyCarmenCurly Posts: 118Registered Users
    I'm from the UK but the thought of America's healthcare system terrifies me!
    r56gVvd.jpg

    3123985.png

    [SIGPIC][/SIGPIC]
    BSL stretched (longest it's ever been and growing rapidly!), past shoulder curly. Hair goal is hip length.

    3a-b/f-m/ii. Soft and silky texture and prone to tangles. Can't get second day hair, even if I kissed the feet of fairy's :neutral:

    Follow me on Instagram! Weightlossandcurls.


    Pictures (clicky)
  • rbbrbb Posts: 4,083Registered Users Curl Dabbler
    not quite there yet, but i can totally understand the drs not taking medicare. as a mental health provider, i will no longer accept it, even as a supplemental. the reason -- they make the paperwork you have to submit for billing totally ridiculous and they are never satisfied. so after countless hours doing paperwork, both myself and clients on the phone, i've never been reimbursed.
    and, the healthy ny insurance, which picks up those who don't qualify for medicaid and cannot afford insurance, i will no longer take, either. it is based on income, so in the past i've had clients who met that limit and had healthy ny. then, the yr i was seeing them, they earned $1 over the limit, so the following yr insurance company asked for their money back. of course, i did not have to send them a check, but they would have deducted from fees i earned going forward, so... and, could i collect from people who are barely getting by??
    it is downright scary. i have a friend from canada who is a us citizen, but she says she may very well return to canada when she retires so she will have medical care.

    3a, some 2c & 3b, medium texture, porosity normal, low elasticity :-(
    washing/cowashing, conditioning, protein tx: curl junkie products
    leave in:cj conditioners and treatments as leave in
    styling: cj aloe fix gel, cj pattern pusha, cj honey butta leave in, cj cccc, cj ciab.
    sealants - jane carter nourish & shine
  • wendi.wendywendi.wendy Posts: 174Registered Users
    I've been on Medicare for about 2 years now -- when I went deaf in 2008, I qualified for SSDI and then had to wait 2 years to be eligible for Medicare. I've been lucky, I guess -- I'm in Illinois and was able to keep all my regular doctors and my audiologist -- so I haven't had problems finding health care professionals that take Medicare. My mom hasn't had problems either, and she sees a variety of specialists as well as her regular doctor.

    But I completely agree with your views on the US healthcare system! My kids were both on AllKids (the IL version of Medicaid for kids) and I had to switch from their regular pediatrician to one that accepted AllKids. I definitely noticed a difference in the level of care. Luckily, neither of them were ever really sick or had serious health issues.

    I envy my friends in Canada!
    ~ Wendi in IL
    3a - fine, colored hair w/normal porosity (loves protein!)
    CG since March 2010
    Co-Wash: V05, Suave or Cure Care
    Low Poo: Desert Essence
    Condish: GVP Balm, CJ Beauticurls Strengthening

    Leave-In: Cure Care, KCKT
    Styler: SS FHG, Re-Coil, LALSG, BRHG

  • curlypearlcurlypearl Posts: 11,970Registered Users Curl Neophyte
    Everyone, thanks for responding. I don't want to seem like a grump but it just is so discouraging. :sad10: I don't blame my drs. at all for not participating and at the same time why was I forced to pay into a system that is basically useless to me and so many others?

    Could someone explain how the Canadian system works and why hasn't the US copied it?
    2/c Coarse hair med. density.
    Highly porous. Color over grey.
    I love all the Curl Junkie products. Still experimenting with gels and curl creams. Still hoping for 2nd day hair....
    Every day is a gift :flower:
  • Corrina777Corrina777 Posts: 3,193Registered Users
    The biggest obstacle to healthcare reform in the US are the people who make money off of the current system- private insurance companies, pharmaceuticals, and companies that develop medical devices. They successfully lobby Congress to prevent any meaningful change. And forget anything resembling Canada's system- look at how many people rant and rave about Obamacare being socialized medicine (keep in mind that the entire concept of Obamacare was created by a conservative think-tank in response to Clinton's proposed healthcare reform in the 90s- there is nothing socialist about it).
    [SIGPIC][/SIGPIC]
    3a/f/iii
    Modified CG since 11/5/11
    CLEANSE: CJ Daily Fix, DevaCare No-Poo, CHS Treatment Shampoo
    RO: SS Caitlin's Conditioner, CJ Beauticurls Strengthening
    LI: SS Repairing Protein Treatment, CHS Silk Leave-In
    STYLE: Re:Coil, Curl Keeper, Deva Ultra Defining Gel, Curls Rock Amplifier,Sweet Curls Elixirs Okra Gel and Hard Hold Gel, SS Curl Enhancing Jelly and Firm Hold Gel
  • yossarianyossarian Posts: 967Registered Users
    curlypearl wrote: »
    Could someone explain how the Canadian system works and why hasn't the US copied it?

    I'll provide a more detailed answer later (not good at smartphone typing!) but the primary feature is that it is single-payer: everyone pays into the federal government, which then subsidizes the provinces (analogous to states in the US), which administer payments to doctors and hospitals, both of which are private.

    Because the gov't can use its leverage as the only buyer, costs are controlled and unnecessary tests and medications are eliminated. So Americans pay almost twice as much per person, yet have a lower life expectancy and higher infant mortality, among other things.

    The UK is totally public (single payer, hospitals are govt owned & doctors are govt employees), while France has private insurance, doctors and hospitals that are paid according to contracts negotiated by the national government and financed through a payroll tax. This system performs the best, with the exception of Japan (which is unique for a number of reasons).

    Sent from my SPH-D600 using CurlTalk App
    When the power of love overcomes the love of power, the world will know peace. - Jimi
    2c/3a, BSL, medium, low porosity
    Low-poo: Bobeam and CV poo bars; Acure Argan Oil & Stem Cell
    Conditioner: Acure Argan Oil & Stem Cell; Desert Essence Shea
    Stylers: Sweet Curls Elixir Curl Cream; SM CES
    PT: BASK Whiskey Soak
  • juanabjuanab Posts: 4,037Registered Users
    yossarian wrote: »
    curlypearl wrote: »
    Could someone explain how the Canadian system works and why hasn't the US copied it?

    I'll provide a more detailed answer later (not good at smartphone typing!) but the primary feature is that it is single-payer: everyone pays into the federal government, which then subsidizes the provinces (analogous to states in the US), which administer payments to doctors and hospitals, both of which are private.

    Because the gov't can use its leverage as the only buyer, costs are controlled and unnecessary tests and medications are eliminated. So Americans pay almost twice as much per person, yet have a lower life expectancy and higher infant mortality, among other things.

    The UK is totally public (single payer, hospitals are govt owned & doctors are govt employees), while France has private insurance, doctors and hospitals that are paid according to contracts negotiated by the national government and financed through a payroll tax. This system performs the best, with the exception of Japan (which is unique for a number of reasons).

    Sent from my SPH-D600 using CurlTalk App

    Yossarian, in the French system, what happens to those on disability?

    texture - medium/fine, porosity - low/normal, elasticity - normal
    co-wash - NaturelleGrow Coconut Water or Marshmallow Root, Slippery Elm Bark & Blue Malva Cleansing Conditioners
    LI - KCKT mixed w/ SM C & H Curl & Style Milk
    DC - NG Mango & Coconut H2O or Chamomile/Brdck Root
    Gel - SM souffle (winter), KCCC (summer) or CR Naturals Aloe Whipped Butter Gel (year round)
    Sealers - Virgin Coconut Oil, Avocado butter, Aloe butter
    Ayurvedic treatments - Jamila Henna, Sukesh, Aloe Vera Powder, Hibiscus Powder
    .


    event.png
  • wild~hairwild~hair Posts: 9,890Registered Users
    curlypearl, you should avoid the current Time magazine article about medical costs. :cwm10:

    I’ve only read the first of several pages of it and it already has me seeing red.

    The upshot, from the article:
    “Recchi’s bill and six others examined line by line for this article offer a closeup window into what happens when powerless buyers — whether they are people like Recchi or big health-insurance companies — meet sellers in what is the ultimate seller’s market.”
  • yossarianyossarian Posts: 967Registered Users
    juanab wrote: »
    Yossarian, in the French system, what happens to those on disability?

    Everyone is covered, even if they can't work. In addition, paid sick leave is VERY generous.

    You would think the system would be unsustainable (why should I work to subsidize someone sitting at home?) but health care costs are half those in the US, and the French have FAR less heart disease and diabetes despite consuming a lot more cholesterol and cigarettes.

    Sent from my SPH-D600 using CurlTalk App
    When the power of love overcomes the love of power, the world will know peace. - Jimi
    2c/3a, BSL, medium, low porosity
    Low-poo: Bobeam and CV poo bars; Acure Argan Oil & Stem Cell
    Conditioner: Acure Argan Oil & Stem Cell; Desert Essence Shea
    Stylers: Sweet Curls Elixir Curl Cream; SM CES
    PT: BASK Whiskey Soak
  • jeepcurlygurljeepcurlygurl Posts: 19,235Registered Users Curl Dabbler
    I haven't heard anyone around here mention that their doctors don't accept patients on medicare (not saying it doesn't happen, I just don't know of any). My parents have never had an issue with their doctors, but they did have problems with the local hospital and had to use a hospital 30 miles away for awhile. It was ridiculous.
    The entire health care system needs overhauled top to bottom.
    --I'm located in Western PA.
    --I found NC in late 2004, CG since February 2005, started going grey in late 2005.
    --My hair is 3B with some 3A, texture-medium/fine, porosity-normal except for the ends which are porous, elasticity-normal.
    --My long time favorite products are Suave & VO5 conditioners, LA Looks Sport Gel, oils, honey, vinegar.
    --My CG and grey hair progress -- http://www.naturallycurly.com/curltalk/going-gray/179328-jeepys-grey-hair-progress.html
  • juanabjuanab Posts: 4,037Registered Users
    yossarian wrote: »
    juanab wrote: »
    Yossarian, in the French system, what happens to those on disability?

    Everyone is covered, even if they can't work. In addition, paid sick leave is VERY generous.

    You would think the system would be unsustainable (why should I work to subsidize someone sitting at home?) but health care costs are half those in the US, and the French have FAR less heart disease and diabetes despite consuming a lot more cholesterol and cigarettes.

    Sent from my SPH-D600 using CurlTalk App

    Thanks for the answer. What is stopping the US from adopting the French system? Wouldn't be the easiest to transition to and more widely accepted?

    texture - medium/fine, porosity - low/normal, elasticity - normal
    co-wash - NaturelleGrow Coconut Water or Marshmallow Root, Slippery Elm Bark & Blue Malva Cleansing Conditioners
    LI - KCKT mixed w/ SM C & H Curl & Style Milk
    DC - NG Mango & Coconut H2O or Chamomile/Brdck Root
    Gel - SM souffle (winter), KCCC (summer) or CR Naturals Aloe Whipped Butter Gel (year round)
    Sealers - Virgin Coconut Oil, Avocado butter, Aloe butter
    Ayurvedic treatments - Jamila Henna, Sukesh, Aloe Vera Powder, Hibiscus Powder
    .


    event.png
  • juanabjuanab Posts: 4,037Registered Users
    I haven't heard anyone around here mention that their doctors don't accept patients on medicare (not saying it doesn't happen, I just don't know of any). My parents have never had an issue with their doctors, but they did have problems with the local hospital and had to use a hospital 30 miles away for awhile. It was ridiculous.
    The entire health care system needs overhauled top to bottom.

    I don't think a doctor's practice would last long in the state of Florida, if they didn't take Medicare.

    texture - medium/fine, porosity - low/normal, elasticity - normal
    co-wash - NaturelleGrow Coconut Water or Marshmallow Root, Slippery Elm Bark & Blue Malva Cleansing Conditioners
    LI - KCKT mixed w/ SM C & H Curl & Style Milk
    DC - NG Mango & Coconut H2O or Chamomile/Brdck Root
    Gel - SM souffle (winter), KCCC (summer) or CR Naturals Aloe Whipped Butter Gel (year round)
    Sealers - Virgin Coconut Oil, Avocado butter, Aloe butter
    Ayurvedic treatments - Jamila Henna, Sukesh, Aloe Vera Powder, Hibiscus Powder
    .


    event.png
  • yossarianyossarian Posts: 967Registered Users
    juanab wrote: »
    I don't think a doctor's practice would last long in the state of Florida, if they didn't take Medicare.

    lol good point!

    My FIL is on Medicare, and has not yet been turned away because a doctor refuses to accept it.
    juanab wrote: »
    Thanks for the answer. What is stopping the US from adopting the French system? Wouldn't be the easiest to transition to and more widely accepted?

    Yes, it would be, since all the components are private (insurance, hospitals, doctors and pharmaceutical firms). In fact,the Affordable Care Act ("Obamacare") is largely based on the Massachusetts health care reform, which is itself modeled on the French system. But there are several constraints that prevented us from going further.

    The first is cultural. Contrast the American mantra of "life, liberty and pursuit of happiness" to its French counterpart of "liberte, egalite, fraternite" (liberty, equality, fraternity [as in brotherhood]). Ours places a heavy emphasis on the individual's right to choose his own path, whereas theirs evokes a sense of solidarity with & responsibility to,one's fellow citizens. In real terms, that means the French have a much broader conception of the role of government. To Americans, that smacks of {gasp} socialism. Every attempt to expand social programs has been met with dire warnings of creeping tyranny.

    The second is economic. The US medical industry is comprised of a multitude of vested interests, who stand to lose a great deal if they had to deal with people collectively instead of as individuals. Imagine what a great deal you could get if Aetna, United Health, GlaxoSmithKline etc. had to negotiate prices for checkups, exams, prescriptions etc. with all of us as a group - we would have all the leverage. So of course they will fight tooth and nail to preserve the status quo, spending hundreds of millions to influence the political process.

    In the UK and in France, universal health care was established in the aftermath of World War II, so they were essentially starting from scratch. There was also no other efficient way to take care of all the wounded and the refugees than with a government-run system. As a result, there was no organized resistance from the private sector. French doctors agreed to participate as long as they were free to practice as they chose & and patients were free to choose their own doctors. The insurance and pharmaceutical companies had no choice but to go along, or they would have been nationalized.

    So the US is behind the 8 ball when it comes to a genuine reform of a broken system. I'm ecstatic that we've taken a big step forward with the ACA, but it's too watered down to fully address costs and access. But it's a start! :mrgreen:
    When the power of love overcomes the love of power, the world will know peace. - Jimi
    2c/3a, BSL, medium, low porosity
    Low-poo: Bobeam and CV poo bars; Acure Argan Oil & Stem Cell
    Conditioner: Acure Argan Oil & Stem Cell; Desert Essence Shea
    Stylers: Sweet Curls Elixir Curl Cream; SM CES
    PT: BASK Whiskey Soak
  • juanabjuanab Posts: 4,037Registered Users
    yossarian wrote: »
    juanab wrote: »
    I don't think a doctor's practice would last long in the state of Florida, if they didn't take Medicare.

    lol good point!

    My FIL is on Medicare, and has not yet been turned away because a doctor refuses to accept it.
    juanab wrote: »
    Thanks for the answer. What is stopping the US from adopting the French system? Wouldn't be the easiest to transition to and more widely accepted?

    Yes, it would be, since all the components are private (insurance, hospitals, doctors and pharmaceutical firms). In fact,the Affordable Care Act ("Obamacare") is largely based on the Massachusetts health care reform, which is itself modeled on the French system. But there are several constraints that prevented us from going further.

    The first is cultural. Contrast the American mantra of "life, liberty and pursuit of happiness" to its French counterpart of "liberte, egalite, fraternite" (liberty, equality, fraternity). Ours places a heavy emphasis on the individual's right to choose his own path, whereas theirs evokes a sense of solidarity with & responsibility to,one's fellow citizens. In real terms, that means the French have a much broader conception of the role of government. To Americans, that smacks of {gasp} socialism. Every attempt to expand social programs has been met with dire warnings of creeping tyranny.

    The second is economic. The US medical industry is comprised of a multitude of vested interests, who stand to lose a great deal if they had to deal with people collectively instead of as individuals. Imagine what a great deal you could get if Aetna, United Health, GlaxoSmithKline etc. had to negotiate prices for checkups, exams, prescriptions etc. with all of us as a group - we would have all the leverage. So of course they will fight tooth and nail to preserve the status quo, spending hundreds of millions to influence the political process.

    In the UK and in France, universal health care was established in the aftermath of World War II, so they were essentially starting from scratch. There was also no other efficient way to take care of all the wounded and the refugees than with a government-run system. As a result, there was no organized resistance from the private sector. French doctors agreed to participate as long as they were free to practice as they chose & and patients were free to choose their own doctors. The insurance and pharmaceutical companies had no choice but to go along, or they would have been nationalized.

    So the US is behind the 8 ball when it comes to a genuine reform of a broken system. I'm ecstatic that we've taken a big step forward with the ACA, but it's too watered down to fully address costs and access. But it's a start! :mrgreen:

    Thank you. That makes sense. I really believe it will change. People are getting fed up.

    texture - medium/fine, porosity - low/normal, elasticity - normal
    co-wash - NaturelleGrow Coconut Water or Marshmallow Root, Slippery Elm Bark & Blue Malva Cleansing Conditioners
    LI - KCKT mixed w/ SM C & H Curl & Style Milk
    DC - NG Mango & Coconut H2O or Chamomile/Brdck Root
    Gel - SM souffle (winter), KCCC (summer) or CR Naturals Aloe Whipped Butter Gel (year round)
    Sealers - Virgin Coconut Oil, Avocado butter, Aloe butter
    Ayurvedic treatments - Jamila Henna, Sukesh, Aloe Vera Powder, Hibiscus Powder
    .


    event.png
  • jeepcurlygurljeepcurlygurl Posts: 19,235Registered Users Curl Dabbler
    juanab wrote: »
    I haven't heard anyone around here mention that their doctors don't accept patients on medicare (not saying it doesn't happen, I just don't know of any). My parents have never had an issue with their doctors, but they did have problems with the local hospital and had to use a hospital 30 miles away for awhile. It was ridiculous.
    The entire health care system needs overhauled top to bottom.

    I don't think a doctor's practice would last long in the state of Florida, if they didn't take Medicare.

    Same here in PA where the population is older.
    --I'm located in Western PA.
    --I found NC in late 2004, CG since February 2005, started going grey in late 2005.
    --My hair is 3B with some 3A, texture-medium/fine, porosity-normal except for the ends which are porous, elasticity-normal.
    --My long time favorite products are Suave & VO5 conditioners, LA Looks Sport Gel, oils, honey, vinegar.
    --My CG and grey hair progress -- http://www.naturallycurly.com/curltalk/going-gray/179328-jeepys-grey-hair-progress.html
  • rbbrbb Posts: 4,083Registered Users Curl Dabbler
    juanab wrote: »
    Thanks for the answer. What is stopping the US from adopting the French system? Wouldn't be the easiest to transition to and more widely accepted?

    Yes, it would be, since all the components are private (insurance, hospitals, doctors and pharmaceutical firms). In fact,the Affordable Care Act ("Obamacare") is largely based on the Massachusetts health care reform, which is itself modeled on the French system[/QUOTE]

    interesting about massachusetts -- my son and daughter-in-law, and 2 granddaughters live in massachusetts. they have health insurance through my daughter-in-law's employer, a pharmaceutical company, and pay $8, EIGHT dollars, per month for family coverage. they can see any dr they want. i know both my granddaughters were born in mass gen, a good hospital. i always assumed it was because their insurance was thru a pharmaceutical employer, but now you are saying that massachusetts has health care reform based on the french system. why can't the rest of the country follow suit?

    since this seems too good to be true -- another question -- are the drs earning a living wage? (clearly their own health insurance would then be affordable so that would be one personal cost lowered, LOL!)

    i'm not following the other part of your discussion. it seems that the insurance companies just name the reimbursement rate, not individuals nor doctors. there does not seem to be any negotiation with anyone. i know in my profession here in ny at least, united healthcare has gobbled up many insurances, if not the whole package, then at least the mental health part, and so consequently they are naming the reimbursement rates, copays, like a monopoly.

    3a, some 2c & 3b, medium texture, porosity normal, low elasticity :-(
    washing/cowashing, conditioning, protein tx: curl junkie products
    leave in:cj conditioners and treatments as leave in
    styling: cj aloe fix gel, cj pattern pusha, cj honey butta leave in, cj cccc, cj ciab.
    sealants - jane carter nourish & shine
  • yossarianyossarian Posts: 967Registered Users
    rbb wrote: »
    juanab wrote: »
    Thanks for the answer. What is stopping the US from adopting the French system? Wouldn't be the easiest to transition to and more widely accepted?

    Yes, it would be, since all the components are private (insurance, hospitals, doctors and pharmaceutical firms). In fact,the Affordable Care Act ("Obamacare") is largely based on the Massachusetts health care reform, which is itself modeled on the French system

    interesting about massachusetts -- my son and daughter-in-law, and 2 granddaughters live in massachusetts. they have health insurance through my daughter-in-law's employer, a pharmaceutical company, and pay $8, EIGHT dollars, per month for family coverage. they can see any dr they want. i know both my granddaughters were born in mass gen, a good hospital. i always assumed it was because their insurance was thru a pharmaceutical employer, but now you are saying that massachusetts has health care reform based on the french system. why can't the rest of the country follow suit?

    In order to sell policies in MA, health insurance companies must submit plans to the state for approval. As a result, prices and options are much more reasonable than under a typical health care regime. In addition, the state provides assistance for poor individuals and families to buy insurance.

    The flip side is that all MA residents must purchase insurance (the "individual mandate") so that insurance companies can spread their risk across a pool of both healthy and sick people. Otherwise, the majority of people buying policies would be those with pre-existing conditions, and the insurance companies would go bankrupt.

    Why can't the rest of the country do likewise? Because of Americans' traditional hostility to any government involvement in the economy. It is typically portrayed as an invasion of privacy and an instrument of control. You should hear the arguments that were made against Medicare - you'd have thought the country would become a Stalinist gulag! Right wingers organized a campaign called "Operation Coffee Cup" to whip up opposition to the proposal. Future president Ronald Reagan even cut an album to support the effort (Ronald Reagan speaks out on Socialized Medicine - Audio - YouTube)

    And now we couldn't imagine eliminating Medicare. Yet some people don't get that this is national health care for the elderly and disabled - hence the "Keep the government out of my Medicare!" signs at protests against Obamacare. Ignorance kills.

    I must also say that President Obama did a p*ss poor job selling the program to the public. The facts speak for themselves: we spend more than any other advanced democracy on health care, yet are much less healthy by any measure. Pay more, get less! But Obama really didn't lay out the case in persuasive way. Did you know that before the ACA was passed, 50,000 Americans died every year because they lacked health insurance? If not, you're not alone.

    We also have this irrational hatred towards all things French, especially since they refused to go along with the invasion of Iraq. So there's a reflexive objection to the idea of emulating the French system, even if it would benefit millions of Americans. Freedom fries for all :mrgreen:
    since this seems too good to be true -- another question -- are the drs earning a living wage? (clearly their own health insurance would then be affordable so that would be one personal cost lowered, LOL!)

    Doctors in the US make about twice what French doctors earn, BUT there are a few caveats. Medical schools in France are free, so if you are good enough to get in, you don't have to worry about graduating with $200,000 in debt. Malpractice is also not a major issue in France like it is here, for several reasons. Yes, tort (injury) lawsuits are excessive here, but the larger problem is that incompetent doctors are allowed to continue practicing medicine, even if they have numerous complaints against them. State medical boards are generally made up of doctors, and are reluctant to rule against a colleague. 85% of doctors who have been found guilty of malpractice 4 or more times are not even disciplined. As a result, a few bad apples cost us all a fortune: 5% of doctors account for 53% of malpractice awards. Not only is this expensive, it's also scary as a patient!
    i'm not following the other part of your discussion. it seems that the insurance companies just name the reimbursement rate, not individuals nor doctors. there does not seem to be any negotiation with anyone. i know in my profession here in ny at least, united healthcare has gobbled up many insurances, if not the whole package, then at least the mental health part, and so consequently they are naming the reimbursement rates, copays, like a monopoly.

    Yes, that's the point - individuals and small businesses face a "take it or leave it" proposition in regard to medical insurance. We simply have no bargaining power. OTOH, those who are able to negotiate as a group (such as unions and larger firms) are able to get much better policies. There is strength in numbers, which the single-payer systems use to great advantage.

    ETA: One point I forgot to make earlier - if you need any proof of the extent to which insurance & pharmaceutical companies manipulate the system, note the fact that Medicare Part D (prescription coverage) does not pay for mail-order medication from Canada, even though it would save taxpayers billions.
    When the power of love overcomes the love of power, the world will know peace. - Jimi
    2c/3a, BSL, medium, low porosity
    Low-poo: Bobeam and CV poo bars; Acure Argan Oil & Stem Cell
    Conditioner: Acure Argan Oil & Stem Cell; Desert Essence Shea
    Stylers: Sweet Curls Elixir Curl Cream; SM CES
    PT: BASK Whiskey Soak
  • rouquinnerouquinne Posts: 13,494Registered Users Curl Dabbler
    i would just like to add that my marginal tax rate would probably cause all of you to go:

    :shock:

    but i've had 3 surgeries in the past 20 years, including one with serious complications, and walked into and out of the hospital without a penny changing hands, no credit cards, no bills.

    my sister and i got money BACK from the Quebec health system after my father died - his cancer care cost us nothing. the same with mom's spinal surgery last fall.
    My blog:

    /home/leaving?target=http%3A%2F%2Flabellatestarossa.blogspot.ca%2F" class="Popup

    Little Mother of all the Roaches, President-for-Life of the MAC Harlots!
  • rbbrbb Posts: 4,083Registered Users Curl Dabbler
    just have to add that my canadian friend was telling me her mom is sick, has emphysema, and is now entitled to FREE HOUSECLEANING once a week, in addition to meals delivered to her 3x/day for $4 each meal (i guess like a meals on wheels, which is only once a day, tho.)

    3a, some 2c & 3b, medium texture, porosity normal, low elasticity :-(
    washing/cowashing, conditioning, protein tx: curl junkie products
    leave in:cj conditioners and treatments as leave in
    styling: cj aloe fix gel, cj pattern pusha, cj honey butta leave in, cj cccc, cj ciab.
    sealants - jane carter nourish & shine
  • crimsonshedemoncrimsonshedemon Posts: 2,098Registered Users
    I haven't heard anyone around here mention that their doctors don't accept patients on medicare (not saying it doesn't happen, I just don't know of any). My parents have never had an issue with their doctors, but they did have problems with the local hospital and had to use a hospital 30 miles away for awhile. It was ridiculous.
    The entire health care system needs overhauled top to bottom.

    I have lupus and fibro and have 2 drs who dont accept medicare and 1 doesnt accepts HMO's. he's also whay's known as a concierge dr. I pay a fee to use him as my dr and he bills my insurance.
    Somethings needs to be done thats for sure. I pay about 20k a year in copays deductibles etc.

    I talk to a lot of sick people who have non-textbook problems. They have a lot of problems even with the canadian, australian, and uk systems. No system is ideal. It seems those with acute health issues have a more positive experience than those with chronic issues.
    Healthcare should not be amount large profit margins for the admin (cant think of the word havent slept in 2 days) while family drs are barely getting by. It's a mess
  • yossarianyossarian Posts: 967Registered Users
    I haven't heard anyone around here mention that their doctors don't accept patients on medicare (not saying it doesn't happen, I just don't know of any). My parents have never had an issue with their doctors, but they did have problems with the local hospital and had to use a hospital 30 miles away for awhile. It was ridiculous.
    The entire health care system needs overhauled top to bottom.

    I have lupus and fibro and have 2 drs who dont accept medicare and 1 doesnt accepts HMO's. he's also what's known as a concierge dr. I pay a fee to use him as my dr and he bills my insurance.
    Somethings needs to be done thats for sure. I pay about 20k a year in copays deductibles etc.

    Is that like a retainer for an attorney? Interesting arrangement. But an expense you should not have to pay just because you or a loved one has a serious disease. So that supports curlypearl's original point (which I didn't mean to guano - quite sorry) about doctors refusing to accept Medicare.

    You bring up several excellent points. First of all, the insurance premiums are only part of the equation, since there's a minimum you have to hit before insurance kicks in, and even then there's still co-payments for everything from doctor's visits and exams to prescriptions.
    I talk to a lot of sick people who have non-textbook problems. They have a lot of problems even with the canadian, australian, and uk systems. No system is ideal. It seems those with acute health issues have a more positive experience than those with chronic issues.
    Healthcare should not be amount large profit margins for the admin (cant think of the word havent slept in 2 days) while family drs are barely getting by. It's a mess

    But at least you don't have to postpone medical care because you can't afford a) the cost of care and b) to miss work, since you don't have legally mandated sick leave. As a result, many people don't see a doctor until they're seriously sick, at which point the cost of treatment is much higher than it would have been early on, and many other people have been exposed to illness.

    BTW, administrative costs are far higher for private insurers compared to Medicare (12% versus 2%). In addition, people on Medicare and Veterans Administration health care, both of which are government-run, are much more satisfied with their quality of care than people on private insurance,
    rouquinne wrote: »
    i would just like to add that my marginal tax rate would probably cause all of you to go:

    :shock:

    but i've had 3 surgeries in the past 20 years, including one with serious complications, and walked into and out of the hospital without a penny changing hands, no credit cards, no bills.

    my sister and i got money BACK from the Quebec health system after my father died - his cancer care cost us nothing. the same with mom's spinal surgery last fall.


    Yes, taxes are considerably higher in countries with universal health care. On average, the French pay 47% in income and payroll taxes (!). But that covers college education, job training, child and elder care etc. in addition to health care. So if you start adding that stuff up, I'd bet most Americans are paying more than their Canadian, European and Australian counterparts.

    And they don't have the stress of wading through paperwork and bills when you're dealing with the emotional trauma of a serious illness.

    How do you get money back? Is that for survivor benefits?
    When the power of love overcomes the love of power, the world will know peace. - Jimi
    2c/3a, BSL, medium, low porosity
    Low-poo: Bobeam and CV poo bars; Acure Argan Oil & Stem Cell
    Conditioner: Acure Argan Oil & Stem Cell; Desert Essence Shea
    Stylers: Sweet Curls Elixir Curl Cream; SM CES
    PT: BASK Whiskey Soak
  • rouquinnerouquinne Posts: 13,494Registered Users Curl Dabbler
    we got money back from the very luxurious hospice where dad spent his last few months because he paid a room and board fee out of his pension. for each month, the amount was deducted on the 1st. Papa died on May 9th and we were refunded the rest of the month.
    And they don't have the stress of wading through paperwork and bills when you're dealing with the emotional trauma of a serious illness.

    exactly this....
    My blog:

    /home/leaving?target=http%3A%2F%2Flabellatestarossa.blogspot.ca%2F" class="Popup

    Little Mother of all the Roaches, President-for-Life of the MAC Harlots!
  • chupiechupie Posts: 5,270Registered Users Curl Neophyte
    I can't reccomend this documentary enough. You can get it on iTunes.

    Escape Fire: The Fight to Rescue American Healthcare
  • MooshvilleMooshville Posts: 104Registered Users
    I used to work for a joint replacement surgeon. 80% of his practice was MC pts. He's doing very well despite how little they pay (and I think it's decreased 2% recently) because the volume is huge. He's a specialist that does over 1K surgeries a year. So far he's ok. But the family doctor is what I fear is going to be no more some day. Med students are not going to go in general practice. If not a surgeon then a specialist.
  • juanabjuanab Posts: 4,037Registered Users
    Mooshville wrote: »
    I used to work for a joint replacement surgeon. 80% of his practice was MC pts. He's doing very well despite how little they pay (and I think it's decreased 2% recently) because the volume is huge. He's a specialist that does over 1K surgeries a year. So far he's ok. But the family doctor is what I fear is going to be no more some day. Med students are not going to go in general practice. If not a surgeon then a specialist.

    I don't understand this. Of all doctors, the family doctor is who you see most often. How do you go to a specialist most times if not first seen by your family doctor? Unless you self diagnose or seen from an emergency room situation. Most medical issues I have, my GP was instrumental in catching, then referring me to a specialist.

    texture - medium/fine, porosity - low/normal, elasticity - normal
    co-wash - NaturelleGrow Coconut Water or Marshmallow Root, Slippery Elm Bark & Blue Malva Cleansing Conditioners
    LI - KCKT mixed w/ SM C & H Curl & Style Milk
    DC - NG Mango & Coconut H2O or Chamomile/Brdck Root
    Gel - SM souffle (winter), KCCC (summer) or CR Naturals Aloe Whipped Butter Gel (year round)
    Sealers - Virgin Coconut Oil, Avocado butter, Aloe butter
    Ayurvedic treatments - Jamila Henna, Sukesh, Aloe Vera Powder, Hibiscus Powder
    .


    event.png
  • MooshvilleMooshville Posts: 104Registered Users
    juanab wrote: »
    Mooshville wrote: »
    I used to work for a joint replacement surgeon. 80% of his practice was MC pts. He's doing very well despite how little they pay (and I think it's decreased 2% recently) because the volume is huge. He's a specialist that does over 1K surgeries a year. So far he's ok. But the family doctor is what I fear is going to be no more some day. Med students are not going to go in general practice. If not a surgeon then a specialist.

    I don't understand this. Of all doctors, the family doctor is who you see most often. How do you go to a specialist most times if not first seen by your family doctor? Unless you self diagnose or seen from an emergency room situation. Most medical issues I have, my GP was instrumental in catching, then referring me to a specialist.
    You don't need a referral if you have Medicare. You can go to any doc you want as long as they take Medicare part B.
  • juanabjuanab Posts: 4,037Registered Users
    Mooshville wrote: »
    juanab wrote: »
    Mooshville wrote: »
    I used to work for a joint replacement surgeon. 80% of his practice was MC pts. He's doing very well despite how little they pay (and I think it's decreased 2% recently) because the volume is huge. He's a specialist that does over 1K surgeries a year. So far he's ok. But the family doctor is what I fear is going to be no more some day. Med students are not going to go in general practice. If not a surgeon then a specialist.

    I don't understand this. Of all doctors, the family doctor is who you see most often. How do you go to a specialist most times if not first seen by your family doctor? Unless you self diagnose or seen from an emergency room situation. Most medical issues I have, my GP was instrumental in catching, then referring me to a specialist.
    You don't need a referral if you have Medicare. You can go to any doc you want as long as they take Medicare part B.

    But whether you need a referral or not, wouldn't one go to a GP for an unspecified pain or illness before they go to a specialist?

    texture - medium/fine, porosity - low/normal, elasticity - normal
    co-wash - NaturelleGrow Coconut Water or Marshmallow Root, Slippery Elm Bark & Blue Malva Cleansing Conditioners
    LI - KCKT mixed w/ SM C & H Curl & Style Milk
    DC - NG Mango & Coconut H2O or Chamomile/Brdck Root
    Gel - SM souffle (winter), KCCC (summer) or CR Naturals Aloe Whipped Butter Gel (year round)
    Sealers - Virgin Coconut Oil, Avocado butter, Aloe butter
    Ayurvedic treatments - Jamila Henna, Sukesh, Aloe Vera Powder, Hibiscus Powder
    .


    event.png
  • MooshvilleMooshville Posts: 104Registered Users
    juanab wrote: »
    Mooshville wrote: »
    juanab wrote: »

    I don't understand this. Of all doctors, the family doctor is who you see most often. How do you go to a specialist most times if not first seen by your family doctor? Unless you self diagnose or seen from an emergency room situation. Most medical issues I have, my GP was instrumental in catching, then referring me to a specialist.
    You don't need a referral if you have Medicare. You can go to any doc you want as long as they take Medicare part B.

    But whether you need a referral or not, wouldn't one go to a GP for an unspecified pain or illness before they go to a specialist?
    Yeah, if you don't have a clue what's going on. I've had clearing of the throat problems for years. Rather than wasting my copay/deductible money on my pcp I went straight to an ENT specialist with my PPO plan. There is no money in gp and it's getting worse for them. I'm not saying it will be no more, the the options you have of choosing a GP if you have Medicare are going down.
  • juanabjuanab Posts: 4,037Registered Users
    Mooshville wrote: »
    juanab wrote: »
    Mooshville wrote: »
    You don't need a referral if you have Medicare. You can go to any doc you want as long as they take Medicare part B.

    But whether you need a referral or not, wouldn't one go to a GP for an unspecified pain or illness before they go to a specialist?
    Yeah, if you don't have a clue what's going on. I've had clearing of the throat problems for years. Rather than wasting my copay/deductible money on my pcp I went straight to an ENT specialist with my PPO plan. There is no money in gp and it's getting worse for them. I'm not saying it will be no more, the the options you have of choosing a GP if you have Medicare are going down.

    I can go to anyone I choose on my insurance plan at any time, but I would rather go to my GP (11 years now) before I go to a doctor I don't know. But I get your point. I certainly hope that doesn't happen though. I truly believe the good GPs are worth their weight in gold and help keep costs down actually.

    texture - medium/fine, porosity - low/normal, elasticity - normal
    co-wash - NaturelleGrow Coconut Water or Marshmallow Root, Slippery Elm Bark & Blue Malva Cleansing Conditioners
    LI - KCKT mixed w/ SM C & H Curl & Style Milk
    DC - NG Mango & Coconut H2O or Chamomile/Brdck Root
    Gel - SM souffle (winter), KCCC (summer) or CR Naturals Aloe Whipped Butter Gel (year round)
    Sealers - Virgin Coconut Oil, Avocado butter, Aloe butter
    Ayurvedic treatments - Jamila Henna, Sukesh, Aloe Vera Powder, Hibiscus Powder
    .


    event.png
  • Firefox7275Firefox7275 Posts: 3,750Registered Users
    It seems to me from the UK that the word socialism is filthy dirty but the word communism is heavily and erroneously overused in the US. Those who want to prevent reform simply roll out the scary words and blackmail politicians and voters with them. There's nothing communist about the National Health Service, it's not even really seen here as socialist tho I suppose technically it is - most of the public seem to be pro a 'free at the point of access' healthcare system regardless of their voting preference.

    AFAIK our Labour (used to be socialist but now only barely left of centre) and Liberal-Democrats parties (= your Democrats) want to keep the NHS much as is, tho I suspect the Conservatives (=your Republicans) would privatise it given half a chance.

    The NHS is actually the largest employer in Europe, the mind boggles as to what is spent on US healthcare, given that we in the UK spend much less that you in the US per head. Personally I feel it's a crying shame we can't all learn from one another, take the best of each other's systems. Although I know the US has huge problems with the results of poor lifestyle choices, there are also whole swathes that are totally on board with healthy eating, regular exercise and supplements, we don't seem to have that 'personal responsibility' to the same extent.
    2a-2c, medium texture, porous/ colour treated. Three years CG. Past bra strap length heading for waist.

    CO-wash: Inecto coconut/ Elvive Volume Collagen
    Treatments: Komaza Care Matani, coconut/ sweet almond/ fractionated coconut oils, Hairveda Sitrinillah
    Leave in: Fructis Sleek & Shine (old), Gliss Ultimate Volume, various Elvive
    Styler: Umberto Giannini jelly, Au Naturale styling gelee
    Flour sack towel, pixie diffuse or air dry.
    Experimenting with: benign neglect
«1

Leave a Comment