Comment Re:This explains the political process (Score 1) 824
While I share your cynicism, at least the government, in theory if not fact, has to listen to its people.
Like when Pelosi told her members not to have any more town halls after the reaction to ObamaCare in the summer of 2009? Or like how they passed it even though roughly three quarters of the people opposed it? Ok, so the government "listened" and 64 Democrats lost their seats in the House and 6 more in the Senate did, with exit polling showing that about half the country wants ObamaCare immediately repealed. Will it be? Nope, because Senate Democrats will block repeal and if it gets to Obama's desk, he'll veto it. Man that government is just so much better at listening to the people...
Medicare may not have money -- but they provide care for a fraction of the cost that private insurance does
My dad is on Medicare and you'd be surprised just how little plain old Medicare* (A+B) covers. There's a reason why a lot of people seek Medicare Advantage plans, to get HMO-like coverage through a company rather than the standard service through CMS.
Part A gives and costs you (taken from 2011 Medicare and You booklet):
Blood: free from a blood bank. You pay for the first 3 units if the hospital has to buy blood
Home health care: $0 for services + 20% of equipment. However, the services you receive are limited and after 3 months, my dad was kicked off since it's not meant to be long term care
Hospital inpatient: $1132 deductible for the first 60 days, $283 for days 61-90, $566 for days 91+ (up to a total of 60 days in your lifetime which exceed 90 in a calendar year), + full costs after 90+lifetime reserve is exceeded. 190 days lifetime mental health.
Nursing home: $0 for first 20 days, $141.50 for days 21-100, full cost after 100.
Part B:
Blood: in addition to Part A, you now pay processing fees
Labs: free
Medical and other services: 20% of the Medicare approved fee for doctor services and outpatient therapy
Outpatient hospital services: copayment
To top all of that off, Medicare reimburses doctors for less than the actual costs incurred of many of their services, forcing private insurers and self-paying customers to make up the deficits created by serving Medicare patients.
and if we weren't busy fighting needless wars and having a massive "defense" budget (how can I call it defense when we're not fighting on our own soil?), we could easily afford it.
Repeat a lie often enough and people will believe it. See the numbers I posted here. Yes, the defense budget can be cut, but it pales in comparison to social spending at the federal level (1:3) and we spend even more on social programs on top of that at the state level. There's also that minor annoyance that national defense is a valid Constitutional function of the federal government while not one welfare program is (and yes, I know the "general welfare" argument quite well and it was absolutely destroyed in both the federalist and antifederalist papers).
Show me any actual non-"10 year survival rate on this really rare cancer" study on how private insurance gets me more per dollar spent, and maybe I'll buy the argument. Until then, isn't it just a better buy?
Want the best in benefits/cost? Pay for your routine care out of pocket. I've spent a grand total of $115 in the last 5 years after I dropped by HMO (saving me roughly $30,000 in premiums). Buy catastrophic coverage to cover anything major (it's pretty cheap compared to full HMO/PPO care). You only pay for what you actually want and need, you get to shop around to any provider you want based on what you're looking for (want quality, look for quality, want low cost, look around, etc), you tend to get discounts compared to what others pay (my doctor visit was $60 total, compared to $15 copay + $120 or so that my dad's plan pays), etc.
By having a financial stake in your care, you get to decide what is most important to you... and most people (ie, those that aren't chronically ill) simply don't need to use medical services enough to make up for the premium costs - in fact, the entire insurance industry (not just medical, but life, fire, car, etc as well) is predicated on the very fact that most people will pay more than they get in return, the excess of which pays for those that pay less than they'll receive. By removing the association between the cost of medical care and its use, insurance perverts people's thinking so that they'll use their benefits excessively because "they paid for it anyway" which in turn, needlessly forces costs up for everyone else.
* Medicare A is strictly hospitalization and is all you get for "free" with the premiums you paid while working. Medicare B is doctor services and costs, for people making less than $85k a year, an additional $115.40 per month. That still leaves you without prescription coverage/Medicare D, which generally tends to cost more money on top of those. In my dad's case, he pays the $115.40 directly out of his SSDI check and an additional $101/month to an HMO Advantage plan, which covers prescriptions and a bunch of additional stuff.