US healthcare system

so, US healthcare was rated towards the bottom of developed world recently in preventable deaths. how is that possible, we have the most highly compensated physicians, research and all?

lack of coverage, and the mockery teh health system has become due to greed. greed of medical professionals who are paid significantly more than their peers in other countries.. greed of our lawyers and the messed up legal system where lawsuits are aplenty chasing after these docs, and then insurance companies who try to squeeze docs in malpractice insurance and screw over the public by ridiculous rules of coverage.

But the biggest issue is lack of insurance, and I think thats what sets US apart, only industrialized country with no universal healthcare…ridiculous wont you say?

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It is a strange thing for such a developed country...but I feel that countries that have "free" healthcare are also way behind in quality of care...for example, I heard that getting appointments for specialized tests, pre- and post-operative care, follow-ups, etc. are disorganized and not timely. So in the end, the patient suffers. In the US, yes, there is a great deal of red tape, loopholes and all that at different levels, but you and me can get our needs met quite easily. There are affordable options for people without health insurance as well.

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universal healthcare is overrated. i am utterly unimpressed with the healthcare system in the UK, and found Pakistan's healthcare (capitalist though it be) much more affordable, readily available, and "better" for serious life-threatening ailments like heart disease. My mother may have had a potentially life threatening cardiac condition and she couldnt get a test she needed to establish whether she had it for over 3 months. On the other hand we got everything done in Pakistan in less than a week, for less than what it costs over here to get your teeth polished. Still tough on the people there, but accessible to a large segment of the population.

I've also used the US system and its much better than the UK, in terms of ease of access and quality. Whats the point of having a "universal" system that keeps everybody equally miserable?

yeah salaries are too high, and costs of private, non-insurance treatment is too high, owing to the lawsuits and the semi-government healthcare system.

I guess one way would be to deregulate the system, Im sure a lot of those illegal immigrants are also doctors, make it easier for them to treat patients.

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ravage but n Uk u have the option of getting private insurance as well.

in US if you are not covered, you are screwed and then even if you try and go get individual insurance, its expensive, coverages are horrible, and especially coverage for meternity care and delivery.

basically the lack of a safety net is the issue.

the best is some mic of govt healthcare and private health care. I do believe it needs to be regulated more not less, but capping doctor pays, lawsuit amounts and lawsuit basis, capping malpractice insurance premiums, and this artificial shortage of docs created by groups like AMA needs to go.

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private insurance is way too expensive.

think of private healthcare third world countries like India and Pakistan. Why is it that they can give decent healthcare, readily available, for much cheaper to a large segment of the population? What is affordable in Pakistan for 20% of the population would probably be affordable to 90% in US and UK. All done in the private sector. Even if you take into account higher cost of living and higher running expenses medicine is too expensive in US and even more expensive in the UK.

Whats the point of a safety net when for anything more serious than the sniffles you have to wait months or even years? There are people who are now going from UK to good hospitals in India because wait times on NHS are too long. Even with the air ticket, and the relatively expensive Indian hospitals catering to such people, that is cheaper than getting it done through private insurance or paying yourself in the UK. And these are the people who can afford the airline ticket, the bottom of the barrel poor and the lower middle class still doesnt have any options.

when the government gets involved as a consumer, competition suffers. hospitals, if allowed to charge what they want to a faceless beureaucracy, will charge what they want to a faceless beureucracy and there is no incentive to lower prices in order to capture greater market share. As a result those who want to pay for themselves will get jacked, because the costs will shoot up. And thats basically your middle class, the majority of people in most socieities.

I think Pakistan has accidentally stumbled on a good model, through complete government neglect. Less income people get less quality healthcare, and rich folk get to go abroad to get their foreign doctors, but the burgeoning middle class gets quality healthcare that is better and more easily accessible than the healthcare they would be able to afford in the UK.

Its not as if the poor (not homeless-poor but working poor) have no recourse. Because of deregulation (and laxity in enforcement of regulations) it is easier for G.P. doctors to open up their little corner clinics, not counting the homeopaths and the hakeems and the absolute quacks (who have a market even in UK). Worst case you have a set of government run hospitals. If you must have government involvement, limit it to a set of government managed hospitals, without intruding one bit on the private sector.

Finally lets call universal healthcare what it is: charity. Charity, in my view, should be done privately. Sure encourage people to open up private charitable healthcare institutions, such as Shaukat Khanum, SIUT etc. The govt should give such places free land, and help them in any way possible. That results in higher quality care instead of a government imposed, managed, and screwed up (in the UK) system of universal healthcare.

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ravage, i dont disagree with anything u have. the challenge however in US is that if you dont have insurance, for one reason or another ranging from companies considering you uninsurable to immigrants who dont qualify for medicare to people who dont have jobs its a gap.

With the cost of healthcare in US higher than most other places, paying out of pocket is insanely expensive.

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yeap. that I know, having a friend there who used to have questionable visa status and got sick.

dunno.. its a bad situation america has put itself in. Heres what I think should happen

  1. Agree with you on the lawyers and the ambulance chasing
  2. Employer provided insurance is part of the problem. If an employer wants to give someone health benefits, give the person more money and let them purchase insurance themselves. Health Insurance should be like auto insurance. This way hospitals dont deal with large monolithic groups of people when pricing their services, something thats responsible for higher prices for the uninsured.
  3. Deregulate the health industry to make it easier for doctors to moonlight, allow foreign doctors to practice more easily etc. This will automatically lower wages, and allow the import of doctors from abroad much like people who know how to program in Java are imported. Imagine how high software engineer salaries would be if the software industry was so tightly regulated. Give lots of doctors H1B visas.
  4. Eliminate government run healthcare programs like Medicare and establish government run hospitals along the lines of the VA. If people need government support they go there, but dont make healthcare more expensive for everyone else by intruding on the private sector
  5. Lower tarriffs on medical equipment to make it cheaper to import stuff from China (emerging producer of slightly lower grade but still sophisticated medical equipment)

There is a massive demand for nurses, doctors etc in America. if you flood the country with health practitioners that will automatically lower wages.

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good points ravage

this artifical shortage of doctors and healthcare workers in US is ridiculous, it is self serving by the medical community and needs to be abolished.

there is no reason that med school in US is so expensive, and no reason that in a country this sixe there cant be more med schools.

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Ravi jani, have you thought about how your view would change if your mother couldn't afford her checkup?

Its kinda like taxes. Those people who have money and know how to manage it don't want the state managing their retirement for them. Those who don't, would kill to get some security for their golden years.

I also believe that just because the English have gotten it wrong or the Canadian health care system is screwed up, having nationalized, subsidized, universal (whatever you want to call it) health care is bad idea.

I don't have any problems with my insurance, I like it just the way it is but if I have to give it up for something less so that the dude who buses table at the local restaurant will be covered, I will be happy. My teeth might not be as sparkle clean but my conscious sure will be.

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I disagree with your call to deregulate healthcare to allow immigrant doctors to practice. Highly regulated healthcare is required to lay a baseline for quality.

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I'm guessing it has to do with a rising uninsured population.

Physicians in the US also undergo lengthier training than their counterparts in most other countries, and spend far, far more out of pocket on educational expenses.

In any case, in real terms, physician incomes have been falling for the past decade, and account for no more than 10% of total health care expenditure in the US.

Socialized healthcare is overrated. People talk about how great it would be, and as soon as you mention how resources will have to be rationed, they balk.

There is no dearth of foreign doctors working in the US today...as long as they do well on the board exams, they're welcome to train & practice here. The licensing procedures & examinations that are in place are there to protect you from incompetent, poorly trained physicians...and it would be foolish to do away with them.

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Well yes, I have, since my mom would only be covered by the healthcare here for a certain period. And the short answer is that we had to effectively get her care in the cheaper, and still good private healthcare of Pakistan. Turns out, universal care still disenfranchises atleast some people, and those it does are unable to afford the sky high prices resulting from govt involvement. Which Im guessing will be most Latinos in America, unless you simultaneously make immigration legal.

Im not suggesting that American system works. Its way too expensive, and unnecessarily so.

I have relatives all across the social spectrum in Pakistan. But the point I was making was that healthcare is available all across the social spectrum there. Yes quality of care varies, but you get what you pay for. I'd prefer that model to having everybody equally miserable.

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Its kinda like taxes. Those people who have money and know how to manage it don't want the state managing their retirement for them. Those who don't, would kill to get some security for their golden years.

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At the expense of others? If they get what they've been paying in Im fine with that, but why is it a right to expect more than you gave in?

The problem with partial systems, as I said before, is that they reduce competition, and eventually raise the prices for the people who are outside the system.

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I also believe that just because the English have gotten it wrong or the Canadian health care system is screwed up, having nationalized, subsidized, universal (whatever you want to call it) health care is bad idea.

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I didnt say its bad just because the English screwed it up. Its bad theoretically, questionable morally, and its bad in practice in a number of places.

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I don't have any problems with my insurance, I like it just the way it is but if I have to give it up for something less so that the dude who buses table at the local restaurant will be covered, I will be happy. My teeth might not be as sparkle clean but my conscious sure will be.
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I'm all for sparkling clean consciences, but please dont try to brush mine while you're at it (to stretch your analogy). If you want to help the dude, work with a few like minded folks to set up a charitable clinic or two. State mandated charity is hardly charity, let others decide how to help the bus boy (or someone else if they prefer) themselves.

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when you have a choice between "No doctor" and "Weird Looking Immigrant Hungarian Doctor" I'd go with the Hungarian guy on the off chance hes still useful.

those motivated by quality can always pay for people with better schools. The influx of a million indian "IT professionals" didnt wreck google or amazon did it.

Its way too cumbersome and long a process.. not to mention the difficulty of placing even if you pass the exams. Fine have an equivalency test, but let hospitals import doctors like they import Java professionals from India, and let them do the test/training over there.

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Ravi,

In Pakistan, qualities varies also for education. Children get education based on what their parents pay for. It doesn't make the system any better, instead its a recipe for keeping the status quo. Rich kids get better education (and better health care) and get richer and the poor stay where they belong. Now you will say, if you are so concerned why not open a school for poor kids. Yes, countless do but we are talking millions and no matter how many charities are out there the scope and the finances involved aren't enough to get everyone educated from private contributions alone (not to mention who pays for your education also decides what you study, hint hint madarasah) .

Same is the case with health care. Its a behemoth of a problem facing millions. Just like its hard to find people willing to raise money to go to war and so the government has to tax to keep "us safe", why not tax to keep everyone healthy?

In the US there are plenty of charities out there who help low income/no income families going through health crisis. Visit any of the religious based hospitals and you can easily find volunteers lurking around. I personally know doctors who put their insurance premium on line to see patients without insurance at a minimum charge and at the expense of losing money, which they could earn looking at rich patients otherwise. But even if there were hundreds of them, they don't have the clout/power or the means to negotiate what hospitals/doctors charge, drugs cost or to regulate how insurance and other health care providers work, only government can do that.

I am for basic health care where all get at least the minimum health care necessary (just like everyone has basic education as a right) so people aren't choosing between getting medications vs. putting food on the table.

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What are you talking about?

Other than TOEFL, which they have to take to prove that they can speak English, foreign medical graduates (FMGs) take the exact same exams as US graduates. The only reason it may seem cumbersome is because the exams are spaced out through medical school in the US, as opposed to being taken all at once...and foreign medical schools aren't necessarily preparing their students for US exams. I see absolutely no reason why FMGs shouldn't have to pass the same exams as their American counterparts if they plan on competing for the same training spots. As it stands, the US is more open to letting FMGs practice than most other industrialized nations...there's no reason to drop the standards and let every Tom, Dick, and Harry from donation schools in the third world come here and practice.

Furthermore, its absolutely ridiculous to compare medical care to computer engineering. If random IT guy from Bangalore screws up, it doesn't cost someone their life or their health...nor will IT guy face a multi-million dollar lawsuit for having made a mistake. Obviously there needs to be more stringent standards in place when we're regulating healthcare.

In any case, why should physician wages be lower in the US? After at least 12 years of post-secondary training, plus approximately 300,000-500,000 dollars of educational debt, its absolutely absurd to expect physicians to work 60 hrs/week for 60K/year. They have every right to protect their profession from being flooded with poorly trained FMGs just to drop their wages...not to mention the fact that dropping physician wages wouldnt even have a dramatic effect on total healthcare expenditures.

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Ergh I wrote my whole reply out only to close the page. Here I go again.

Is there any basis for saying that there is greater social mobility in nationalized education? Pakistan tried that for a while, and yes everyone was equally miserable, but not necessarily moving upwards.

I think the madrasa model is brilliant, if there is a little more oversight over the anti-state/terrorist elements. So what if they set their own agenda, doesnt the government have its agenda? Whos to say I should grow up hating India more than I hate Israel? Some of the best universities in America were Christian founded schools, as are a lot of the good private schools in Pakistan.

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Same is the case with health care. Its a behemoth of a problem facing millions. Just like its hard to find people willing to raise money to go to war and so the government has to tax to keep "us safe", why not tax to keep everyone healthy?

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And have healthcare become something like the military industry complex? Scratch that its already there, sponsoring a lot of bills. Doubt they have as benevolent intentions as you though.

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In the US there are plenty of charities out there who help low income/no income families going through health crisis. Visit any of the religious based hospitals and you can easily find volunteers lurking around. I personally know doctors who put their insurance premium on line to see patients without insurance at a minimum charge and at the expense of losing money, which they could earn looking at rich patients otherwise. But even if there were hundreds of them, they don't have the clout/power or the means to negotiate what hospitals/doctors charge, drugs cost or to regulate how insurance and other health care providers work, only government can do that.

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And that is the actual support for universal healthcare out there. Comparatively very few people volunteer and donate to hospitals providing care for everyone, while bloviating that the govt should provide care for everyone when talking to republicans.

Democrats are 50% of america, more or less right. Get them to pay half of what the want to tax as healthcare to such hospitals. Eliminate the middleman and the beureacracy get the insurance companies out of the picture (dont bother asking for insurance for those who dont have it). Because the middleman seems to cause as much harm as it does good.

They take the same exams (you meant USMLE right?) as their american counterparts. As I understand it the process is two exams, spaced out over a few months, then wait for a residency, then in-house training over there? Just takes way too long, even if its the same time as american doctors take.

Other countries have healthcare too. How about having equivalency at the level of medical associations with trustworthy countries, and then having a much less rigorous process?

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Furthermore, its absolutely ridiculous to compare medical care to computer engineering. If random IT guy from Bangalore screws up, it doesn't cost someone their life or their health...nor will IT guy face a multi-million dollar lawsuit for having made a mistake. Obviously there needs to be more stringent standards in place when we're regulating healthcare.

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As it stands people are losing their lives and health at a very large scale anyway. The only thing you're saying is that we wont provide them potentially inferior (but much needed) care at the risk that they will file a lawsuit. The only thing standards are doing is depriving the lower classes of healthcare.. the insured will always be able to afford quality care.

Hospitals can enforce stringent standards at the level of their institutions. If you can afford it, go to one of those hospitals that only hires Amreeki thoroughbred doctors. If you're living in an urban ghetto, Im sure you'd appreciate being able to see ANYONE, even if they didnt jump through the USMLE hoops.

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In any case, why should physician wages be lower in the US? After at least 12 years of post-secondary training, plus approximately 300,000-500,000 dollars of educational debt, its absolutely absurd to expect physicians to work 60 hrs/week for 60K/year. They have every right to protect their profession from being flooded with poorly trained FMGs just to drop their wages...not to mention the fact that dropping physician wages wouldnt even have a dramatic effect on total healthcare expenditures.

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Maybe they're overtraining them. Maybe produce lots of competant doctors instead of a few brilliant ones. You're right, people should expect to get what they paid in, but when you're expecting doctors to pay this much to be called doctors, you're raising the bar for access to those doctors to a level that many people in america are unable to afford. And if the 12 years post secondary training is actually useful instead of merely wasteful, it will not be wasted even in a market flooded with doctors, because we're still talking about a meritocracy. People are valued according to their skills in any competetive environment, which is what Im simultaneously arguing for. Private companies have never needed the government to tell how skilled a potential employee is. The root of the need to protect seems to be a realization that maybe a lot of doctors would have the same value in skills as those who trained for 12 years.

You sound like someone in the healthcare industry. Where does the bulk of healthcare expenditure go?

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Wrong!
Your feelings distract you from the reality here.
"Free" healthcare is actually not as free as you think It might be.
The docs get their payment and the patient indirectly or directly pays for his visits at the doc. The difference is you pay from your earnings by a specific percentage deducted monthly from your bank account (actually directly from your income).
If you feel of having more attention seeking by the docs and or and you are believed to be an hypochondria you might take a private insurance too. It's all up to you. Which still doesnt mean you have to less or more attention when you are privately ensured. The doc gets the same paid.
The only difference made Is when you have an operation. Private insurance favours you by having a better room (with tv and stuffs). You can choose the doc who should operate you finally.

Nevertheless, I'm living in a country with "free" healthcare option for years now and I can only say that I do pitty those who live in a country without such "social benefits". Like those living in USA.
After all health costs a hell of a money.

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^ i live in a country with "free healthcare" and have lived in USA. I found the care I recieved in the US orders of magnitude better.

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Ravi, quit using buzz words like nationalized, military complex and (astugfurullah) democrats. :mad:

There are great public universities in the US too, it doesn’t prove anything. Just like there are third class private universities in the US, which doesn’t mean having private universities is a bad thing. But it has nothing to do with the fact that all people (and I really mean the humanity) has the right to basic education (and health care).

Madrassa system is brilliant if people send their kids there out of choice. In Pakistan parents send their kids there out of poverty and lack of better public or private psudo-secular schooling.

The very premise that you (or I) should pay for the services I need and not for anything else is fundamentally flawed. I pay into the city fire department and have never used it. I pay for city police and I have never seen them roam my streets either. Also privatizing it doesn’t mean you are getting what you paid for. I pay the same in health insurance that the overly obese twice my age co-worker does. While I go to the doctors once a year, he goes every month. Obviously I am paying far more for health care or he is getting a great deal.

And before I get accused of advocating big government, I am not. I am advocating better priorities, such that ‘basic’ health care is a core responsibility of the government if it is truly ‘for the people’. Be it by regulating the private sector or making it nationalized/universalized. Actually If it was up to me, I would half the military budget and make it more volunteer base military (You feel Iraq is a threat, you go raise money and fight there) and spend the same money towards better education (private or public) and health care (private or public).

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:o i find it puts people on the defensive. evidently not :frowning:

So fair to say that the madrasa system is not fundamentally bad, even if they set their agenda? Rahi baat public schooling ki, I think the key word you used is “better”. In my limited experience of rural life in Pakistan, public schools are absolutely abysmal, and private schools are expensive. Not so different actually from my experience in LA and most of London. Doesnt seem like the “better” goal is realistic, given Pakistan’s state.. but thats a seperate topic.

Good points. So we are basically disagreeing on whether hospitals are in the same category as police and firefighting.

I think the key differentiation for me is that both of these services involve groups of people, therefore they arent personal. Crime requires more than one person, fires usually impact more than one person too. Sure have state services for epidemics and such, thats the equivalent health service.

You choose to pay the insurance premium dont you? Obviously that is based on a financial calculation whereby you would possibly end up paying more if you werent covered by insurance, and being risk averse you choose to pay in. So really, the overly obese dude does nothing but change the calculation. The moment he impacts the rate to an extent where its significantly less expensive for you to not pay the insurance, you can opt out.

No such luxury in universal care.

Agree with you on the military. And I would also like a domain of government healthcare that doesnt mess with the private sector’s already problematic mess of insurance companies and co-pay and whatnot. programmes like medicare are part of the reason why healthcare is expensive. If anything the government should establish seperate hospitals of its own without messing with extant healthcare, much like the public/private universities.

The usual connotation of universal care is a homogenous system like canada or the UK which in my experience is really crappy.