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	<title>Comments on: Naive Questions About Healthcare Reform</title>
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		<title>By: johnmayer76</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-182273</link>
		<dc:creator>johnmayer76</dc:creator>
		<pubDate>Tue, 28 Apr 2009 10:08:48 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-182273</guid>
		<description>If you are uninsured and does not have insurance, you should check out the website &lt;a href=&quot;http://UninsuredAmerica.blogspot.com&quot; rel=&quot;nofollow&quot;&gt;http://UninsuredAmerica.blogspot.com&lt;/a&gt; - John Mayer, California</description>
		<content:encoded><![CDATA[<p>If you are uninsured and does not have insurance, you should check out the website <a href="http://UninsuredAmerica.blogspot.com" rel="nofollow">http://UninsuredAmerica.blogspot.com</a> &#8211; John Mayer, California</p>
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		<title>By: Dr_J</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181556</link>
		<dc:creator>Dr_J</dc:creator>
		<pubDate>Thu, 23 Apr 2009 04:45:06 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181556</guid>
		<description>Yes, you&#039;re right.  It&#039;s amazing how jealously people guard even very basic health care data.  &lt;br&gt;&lt;br&gt;Various web sites will let you look up doctors and find out where and when they went to med school, but good luck answering even the very, very obvious questions: how many cases like mine have you treated?  What&#039;s your success rate?  How much do you charge?  Do your patients think you&#039;re any good?  Review sites like Yelp are rocking their world, and they&#039;re responding in some cases with lawsuits.  This needs to change.&lt;br&gt;&lt;br&gt;Data on your medical history is overprotected as well, much moreso than your bank balance.  HIPAA inhibits research, prevents us achieving integration efficiencies, and imposes an ongoing cost on basically the whole system.  This also needs to change.  If people are going to enjoy health care subsidized by someone else, it&#039;s reasonable they make some concessions in the area of privacy.  Besides, at the end of the day, the world cares about your rheumatism rather less than you might like to think.</description>
		<content:encoded><![CDATA[<p>Yes, you&#39;re right.  It&#39;s amazing how jealously people guard even very basic health care data.  </p>
<p>Various web sites will let you look up doctors and find out where and when they went to med school, but good luck answering even the very, very obvious questions: how many cases like mine have you treated?  What&#39;s your success rate?  How much do you charge?  Do your patients think you&#39;re any good?  Review sites like Yelp are rocking their world, and they&#39;re responding in some cases with lawsuits.  This needs to change.</p>
<p>Data on your medical history is overprotected as well, much moreso than your bank balance.  HIPAA inhibits research, prevents us achieving integration efficiencies, and imposes an ongoing cost on basically the whole system.  This also needs to change.  If people are going to enjoy health care subsidized by someone else, it&#39;s reasonable they make some concessions in the area of privacy.  Besides, at the end of the day, the world cares about your rheumatism rather less than you might like to think.</p>
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		<title>By: CStanley</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181478</link>
		<dc:creator>CStanley</dc:creator>
		<pubDate>Wed, 22 Apr 2009 19:52:17 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181478</guid>
		<description>Hah, quite true, although that&#039;s a different part of the politicization than what I meant. I was referring to the data which is oft quoted to either support nationalized health care or reject it- eg, those who quote the stats about lifespan being shorter in US than EU even though we spend so much more (a difference that goes away when you account for accident, violent death, and suicide, which have nothing to do with quality of healthcare), or differences in infant mortality (which are due to different reporting threshholds for live births- changes in the denominator not the numerator), and on the other side of the debate, people who cherry pick data about long wait lists and rationing in the countries that have public healthcare for all. &lt;br&gt;&lt;br&gt;&lt;br&gt;&lt;br&gt;So what I meant was that even if we can get to the point of having good databases, there&#039;s still another hurdle to cross.</description>
		<content:encoded><![CDATA[<p>Hah, quite true, although that&#39;s a different part of the politicization than what I meant. I was referring to the data which is oft quoted to either support nationalized health care or reject it- eg, those who quote the stats about lifespan being shorter in US than EU even though we spend so much more (a difference that goes away when you account for accident, violent death, and suicide, which have nothing to do with quality of healthcare), or differences in infant mortality (which are due to different reporting threshholds for live births- changes in the denominator not the numerator), and on the other side of the debate, people who cherry pick data about long wait lists and rationing in the countries that have public healthcare for all. </p>
<p>So what I meant was that even if we can get to the point of having good databases, there&#39;s still another hurdle to cross.</p>
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		<title>By: Dr_J</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181419</link>
		<dc:creator>Dr_J</dc:creator>
		<pubDate>Wed, 22 Apr 2009 17:36:20 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181419</guid>
		<description>Politicized indeed.  A central diagnostic database and decisions made based on computer-assessed probabilities would reduce doctors&#039; role considerably, making them look less like craftsmen and sages and more like parts of a factory.  Don&#039;t expect their enthusiastic support.&lt;br&gt;&lt;br&gt;Which is another familiar pattern from other industries.  As you computerize, rationalize, and centralize, you disrupt a lot of little fiefdoms where people are used to making their own decisions.  They fight.  Eventually the boss has to come in and tell them they don&#039;t really get a vote, and progress is made.</description>
		<content:encoded><![CDATA[<p>Politicized indeed.  A central diagnostic database and decisions made based on computer-assessed probabilities would reduce doctors&#39; role considerably, making them look less like craftsmen and sages and more like parts of a factory.  Don&#39;t expect their enthusiastic support.</p>
<p>Which is another familiar pattern from other industries.  As you computerize, rationalize, and centralize, you disrupt a lot of little fiefdoms where people are used to making their own decisions.  They fight.  Eventually the boss has to come in and tell them they don&#39;t really get a vote, and progress is made.</p>
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		<title>By: CStanley</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181405</link>
		<dc:creator>CStanley</dc:creator>
		<pubDate>Wed, 22 Apr 2009 17:13:14 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181405</guid>
		<description>Yeah, I agree with you on the need to reform the recordkeeping and create databases of all of the useful information. I also think though that the analysis gets so politicized, and that&#039;s a problem for getting the right answers too.</description>
		<content:encoded><![CDATA[<p>Yeah, I agree with you on the need to reform the recordkeeping and create databases of all of the useful information. I also think though that the analysis gets so politicized, and that&#39;s a problem for getting the right answers too.</p>
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		<title>By: Dr_J</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181403</link>
		<dc:creator>Dr_J</dc:creator>
		<pubDate>Wed, 22 Apr 2009 17:01:53 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181403</guid>
		<description>CStanley, all good points.  We can and do spend dramatically more money than we used to proving patients are basically fine.  People blame defensive medicine and malpractice threats for that, but I see it as an IT/process reform failure as well.  &lt;br&gt;&lt;br&gt;Globally, doctors see billions of cases of everything it&#039;s possible to come down with.  That data should be put to work, and we should be learning from it.  Diagnosis ought to be a finely-tuned probabilities business, and tests should be done based on how likely they are to tell something new.  Of course, that can&#039;t happen so long as all the data lives in paper folders.</description>
		<content:encoded><![CDATA[<p>CStanley, all good points.  We can and do spend dramatically more money than we used to proving patients are basically fine.  People blame defensive medicine and malpractice threats for that, but I see it as an IT/process reform failure as well.  </p>
<p>Globally, doctors see billions of cases of everything it&#39;s possible to come down with.  That data should be put to work, and we should be learning from it.  Diagnosis ought to be a finely-tuned probabilities business, and tests should be done based on how likely they are to tell something new.  Of course, that can&#39;t happen so long as all the data lives in paper folders.</p>
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		<title>By: CStanley</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181338</link>
		<dc:creator>CStanley</dc:creator>
		<pubDate>Wed, 22 Apr 2009 13:11:17 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181338</guid>
		<description>Dr_J: &lt;br&gt;I mostly agree, and as I said it may well be true that the cost of individual services that haven&#039;t advanced is increasing at higher rates than is warranted by normal wage/price inflation, and you give a good analysis of why that&#039;s likely occurring. I&#039;m all for those kinds of analyses- but at the same time, analysis has to be based on solid sets of data and conclusions that derive logically from the facts. The conclusion that Dave drew on wages does not seem so to me because he leaves out the concept of the apples to oranges nature of comparing the services available in the 70s with what each patient currently receives as standard treatment protocols. Just anecdotally, my father had a massive heart attack in the mid 1970s when he was 40 years old, was in the hospital for two nights, no surgery, dismissed with instructions to go on the Pritikin diet and walk every day. Compare that to my father in law who had a mild heart attack a few years ago, was immediately sent to CCU and wheeled into the ER to have three stents implanted, stayed in CCU for a few days of post surgical care and then another week in the hospital to monitor his warfarin levels. Quite obviously the per capital costs in those two cases are vastly different, based on the different standard of care (and again just anecdotally, but my father died within 15 years of that episode and during his last few years was under constant medical care for the complications that had come from the damage from that first heart attack; we&#039;re not 15 years out from my father in law&#039;s episode, but I fully expect that he&#039;ll have a much better outcome.) &lt;br&gt;&lt;br&gt;&lt;br&gt;&lt;br&gt;It&#039;s true that the outcomes don&#039;t correlate in scale with the degree of cost increase, but that&#039;s where we have hard decisions to make. I can&#039;t imagine that anyone would say that none of this is working therefore we should have the medical profession turn back to the standard of care that we had in the 70s- so clearly we do feel it&#039;s &#039;working&#039; in some sense. I think you could quantify that better if you look at each specific disease category and I don&#039;t know if there would be a 5-10% increase in longevity but certainly survival times have increased from the onset of diseases like CAD, many if not all cancers, and diabetes. Looking at overall longevity doesn&#039;t work because deaths from violent crime, accidents and suicide will skew dramatically. That doesn&#039;t mean that the extra years that we&#039;ve bought with the medical advances are necessarily worth the extreme costs, but it should be the starting point for the debate on that, so that we can then decide what&#039;s cost effective and what&#039;s not.</description>
		<content:encoded><![CDATA[<p>Dr_J: <br />I mostly agree, and as I said it may well be true that the cost of individual services that haven&#39;t advanced is increasing at higher rates than is warranted by normal wage/price inflation, and you give a good analysis of why that&#39;s likely occurring. I&#39;m all for those kinds of analyses- but at the same time, analysis has to be based on solid sets of data and conclusions that derive logically from the facts. The conclusion that Dave drew on wages does not seem so to me because he leaves out the concept of the apples to oranges nature of comparing the services available in the 70s with what each patient currently receives as standard treatment protocols. Just anecdotally, my father had a massive heart attack in the mid 1970s when he was 40 years old, was in the hospital for two nights, no surgery, dismissed with instructions to go on the Pritikin diet and walk every day. Compare that to my father in law who had a mild heart attack a few years ago, was immediately sent to CCU and wheeled into the ER to have three stents implanted, stayed in CCU for a few days of post surgical care and then another week in the hospital to monitor his warfarin levels. Quite obviously the per capital costs in those two cases are vastly different, based on the different standard of care (and again just anecdotally, but my father died within 15 years of that episode and during his last few years was under constant medical care for the complications that had come from the damage from that first heart attack; we&#39;re not 15 years out from my father in law&#39;s episode, but I fully expect that he&#39;ll have a much better outcome.) </p>
<p>It&#39;s true that the outcomes don&#39;t correlate in scale with the degree of cost increase, but that&#39;s where we have hard decisions to make. I can&#39;t imagine that anyone would say that none of this is working therefore we should have the medical profession turn back to the standard of care that we had in the 70s- so clearly we do feel it&#39;s &#39;working&#39; in some sense. I think you could quantify that better if you look at each specific disease category and I don&#39;t know if there would be a 5-10% increase in longevity but certainly survival times have increased from the onset of diseases like CAD, many if not all cancers, and diabetes. Looking at overall longevity doesn&#39;t work because deaths from violent crime, accidents and suicide will skew dramatically. That doesn&#39;t mean that the extra years that we&#39;ve bought with the medical advances are necessarily worth the extreme costs, but it should be the starting point for the debate on that, so that we can then decide what&#39;s cost effective and what&#39;s not.</p>
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		<title>By: Dr_J</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181299</link>
		<dc:creator>Dr_J</dc:creator>
		<pubDate>Wed, 22 Apr 2009 03:11:06 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181299</guid>
		<description>CStanley, it would be great if medical advances were driving up costs, but it&#039;s a hard case to make.  Per-capita health care costs rise annually by 5 or 10%, and while some state of the art treatments have advanced, improvement doesn&#039;t show in the per-capita outcomes.  We&#039;re not living 5 or 10% longer.  The common cold remains uncured.  We&#039;re getting fatter every day, and we can&#039;t even decide whether a good diet is high in carbs, low in fats, or the other way around.&lt;br&gt;&lt;br&gt;I think you will find that the prices for individual treatments like strep tests or basic office visits have risen considerably without a corresponding increase in quality, and almost all of the increase goes to wages.  The problem is not that a few people are getting paid 10x what they used to, despite groups like nurses&#039; unions with a hammerlock on their corner of the market, it&#039;s that there are too many people on the payroll.  Government keeps minting new regulations, the system keeps getting more complex, and everyone has to hire more people to keep up.  The bureaucracy expands to meet the needs of the expanding bureaucracy.&lt;br&gt;&lt;br&gt;As far as day to day expenses go, it&#039;s *lack* of technical advance that has driven up prices.  Every other industry has been computerizing records, automating workflow, integrating information silos to drive higher efficiency.  The health care industry is dead last to abandon paper-based systems.  &lt;br&gt;&lt;br&gt;Or rather, it will be once it finally gets around to it.  I still cannot walk into a doctor&#039;s office without seeing a wall-full of patient folders and a staff of two or three people needed to manage them, nor without being handed a clipboard with paper forms quizzing me about my medical history.  Compare that with, say TurboTax, which automatically downloads my W-2, bank statements, and sends my return to the government, and settles my taxes via direct deposit (or withdrawal).  Healthcare&#039;s backwardness is a scandal.</description>
		<content:encoded><![CDATA[<p>CStanley, it would be great if medical advances were driving up costs, but it&#39;s a hard case to make.  Per-capita health care costs rise annually by 5 or 10%, and while some state of the art treatments have advanced, improvement doesn&#39;t show in the per-capita outcomes.  We&#39;re not living 5 or 10% longer.  The common cold remains uncured.  We&#39;re getting fatter every day, and we can&#39;t even decide whether a good diet is high in carbs, low in fats, or the other way around.</p>
<p>I think you will find that the prices for individual treatments like strep tests or basic office visits have risen considerably without a corresponding increase in quality, and almost all of the increase goes to wages.  The problem is not that a few people are getting paid 10x what they used to, despite groups like nurses&#39; unions with a hammerlock on their corner of the market, it&#39;s that there are too many people on the payroll.  Government keeps minting new regulations, the system keeps getting more complex, and everyone has to hire more people to keep up.  The bureaucracy expands to meet the needs of the expanding bureaucracy.</p>
<p>As far as day to day expenses go, it&#39;s *lack* of technical advance that has driven up prices.  Every other industry has been computerizing records, automating workflow, integrating information silos to drive higher efficiency.  The health care industry is dead last to abandon paper-based systems.  </p>
<p>Or rather, it will be once it finally gets around to it.  I still cannot walk into a doctor&#39;s office without seeing a wall-full of patient folders and a staff of two or three people needed to manage them, nor without being handed a clipboard with paper forms quizzing me about my medical history.  Compare that with, say TurboTax, which automatically downloads my W-2, bank statements, and sends my return to the government, and settles my taxes via direct deposit (or withdrawal).  Healthcare&#39;s backwardness is a scandal.</p>
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		<title>By: CStanley</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181259</link>
		<dc:creator>CStanley</dc:creator>
		<pubDate>Tue, 21 Apr 2009 21:50:10 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181259</guid>
		<description>Maybe I&#039;m just tired or dense, but @Dave Schuler-&lt;br&gt;&lt;br&gt;Why wouldn&#039;t the increased aggregate &#039;healthcare cost&#039; be due to use of more services and higher priced services- meaning higher priced not in the sense of inflated prices for the same service that was previously available at lower cost, but &#039;higher priced&#039; meaning newer technologies, imaging services, etc that are naturally going to add higher dollar amounts to the per capita health care expenditure numbers?&lt;br&gt;&lt;br&gt;Am I missing something?</description>
		<content:encoded><![CDATA[<p>Maybe I&#39;m just tired or dense, but @Dave Schuler-</p>
<p>Why wouldn&#39;t the increased aggregate &#39;healthcare cost&#39; be due to use of more services and higher priced services- meaning higher priced not in the sense of inflated prices for the same service that was previously available at lower cost, but &#39;higher priced&#39; meaning newer technologies, imaging services, etc that are naturally going to add higher dollar amounts to the per capita health care expenditure numbers?</p>
<p>Am I missing something?</p>
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		<title>By: GreenDreams</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181238</link>
		<dc:creator>GreenDreams</dc:creator>
		<pubDate>Tue, 21 Apr 2009 21:03:03 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181238</guid>
		<description>According to the insurance industry itself, private insurers have an administrative cost of 8.9%. Adding commission and profit takes that to 16.7%. Medicare is 5.2%. All numbers from the insurance industry educational nonprofit &lt;a href=&quot;http://cahi.org&quot; rel=&quot;nofollow&quot;&gt;cahi.org&lt;/a&gt;. This is not a liberal group on &quot;my&quot; side, but an honest assessment by the industry itself. They admit that Medicare costs are going down, expected to reach 3.3% by next year. Their administrative and profit costs are &quot;not expected to vary by more than a percent or two.&quot;</description>
		<content:encoded><![CDATA[<p>According to the insurance industry itself, private insurers have an administrative cost of 8.9%. Adding commission and profit takes that to 16.7%. Medicare is 5.2%. All numbers from the insurance industry educational nonprofit <a href="http://cahi.org" rel="nofollow">cahi.org</a>. This is not a liberal group on &#8220;my&#8221; side, but an honest assessment by the industry itself. They admit that Medicare costs are going down, expected to reach 3.3% by next year. Their administrative and profit costs are &#8220;not expected to vary by more than a percent or two.&#8221;</p>
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		<title>By: GreenDreams</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181226</link>
		<dc:creator>GreenDreams</dc:creator>
		<pubDate>Tue, 21 Apr 2009 20:22:59 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181226</guid>
		<description>BTW, here&#039;s a tidbit that you private insurance fans might like to know. While the insurance industry tried to push the meme that in &quot;socialized medicine&quot; we couldn&#039;t choose our doctors. The truth is, while many insurers insist you use their preferred providers, Medicare has no restrictions on the doctor or hospital you choose.</description>
		<content:encoded><![CDATA[<p>BTW, here&#39;s a tidbit that you private insurance fans might like to know. While the insurance industry tried to push the meme that in &#8220;socialized medicine&#8221; we couldn&#39;t choose our doctors. The truth is, while many insurers insist you use their preferred providers, Medicare has no restrictions on the doctor or hospital you choose.</p>
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		<title>By: GreenDreams</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181221</link>
		<dc:creator>GreenDreams</dc:creator>
		<pubDate>Tue, 21 Apr 2009 20:11:44 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181221</guid>
		<description>PM, are you saying there are hidden costs of Medicare outside the Medicare budget? If so, please  point me to a source of the *actual* full cost. As I understand it, the Medicare budget includes all disbursements. Am I wrong? Additionally, since YOUR insurance company uses the work of MY payments, how do I not cover part of yours? Not let the insurance industry use the diagnosis and treatment manuals of the federal government? Ok, let them start from scratch and develop that de-novo. Believe me, it would cost a pretty penny.</description>
		<content:encoded><![CDATA[<p>PM, are you saying there are hidden costs of Medicare outside the Medicare budget? If so, please  point me to a source of the *actual* full cost. As I understand it, the Medicare budget includes all disbursements. Am I wrong? Additionally, since YOUR insurance company uses the work of MY payments, how do I not cover part of yours? Not let the insurance industry use the diagnosis and treatment manuals of the federal government? Ok, let them start from scratch and develop that de-novo. Believe me, it would cost a pretty penny.</p>
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		<title>By: Dave_Schuler</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181218</link>
		<dc:creator>Dave_Schuler</dc:creator>
		<pubDate>Tue, 21 Apr 2009 20:00:22 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181218</guid>
		<description>Ah, I think I see where the difference of opinion is.  I assume that &lt;a href=&quot;http://www.aarp.org/research/health/carefinancing/fs144_costs.html&quot; rel=&quot;nofollow&quot;&gt;this is the AARP article&lt;/a&gt; you were referring to.  &lt;b&gt;Physician&lt;/b&gt; costs are 21% of the total.  &lt;b&gt;Healthcare provider&lt;/b&gt; costs (which include hospitals, nursing homes, etc.) amount to almost 70% of the costs.&lt;br&gt;&lt;br&gt;Wages are the highest costs in all of those organizations.  Note I said &lt;b&gt;healthcare provider&lt;/b&gt; not &lt;b&gt;physician&lt;/b&gt;.</description>
		<content:encoded><![CDATA[<p>Ah, I think I see where the difference of opinion is.  I assume that <a href="http://www.aarp.org/research/health/carefinancing/fs144_costs.html" rel="nofollow">this is the AARP article</a> you were referring to.  <b>Physician</b> costs are 21% of the total.  <b>Healthcare provider</b> costs (which include hospitals, nursing homes, etc.) amount to almost 70% of the costs.</p>
<p>Wages are the highest costs in all of those organizations.  Note I said <b>healthcare provider</b> not <b>physician</b>.</p>
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		<title>By: Polimom</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181214</link>
		<dc:creator>Polimom</dc:creator>
		<pubDate>Tue, 21 Apr 2009 19:44:19 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181214</guid>
		<description>&lt;em&gt;&quot;I promise to pay THE FULL COST of covering me. &quot;&lt;/em&gt;&lt;br&gt;&lt;br&gt;And you&#039;ll do that while I don&#039;t fund part of it how, exactly?</description>
		<content:encoded><![CDATA[<p><em>&#8220;I promise to pay THE FULL COST of covering me. &#8220;</em></p>
<p>And you&#39;ll do that while I don&#39;t fund part of it how, exactly?</p>
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		<title>By: Dr_J</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181206</link>
		<dc:creator>Dr_J</dc:creator>
		<pubDate>Tue, 21 Apr 2009 19:18:49 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181206</guid>
		<description>GreenDreams, the problem is medicare doesn&#039;t charge you your actual share of the cost, so &quot;let me have my medicare&quot; implies &quot;please pay part of my medical bills.&quot;&lt;br&gt;&lt;br&gt;If you want to bear the cost of your health care yourself, go for it.  That&#039;s why God made checkbooks.</description>
		<content:encoded><![CDATA[<p>GreenDreams, the problem is medicare doesn&#39;t charge you your actual share of the cost, so &#8220;let me have my medicare&#8221; implies &#8220;please pay part of my medical bills.&#8221;</p>
<p>If you want to bear the cost of your health care yourself, go for it.  That&#39;s why God made checkbooks.</p>
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		<title>By: DaGoat</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181201</link>
		<dc:creator>DaGoat</dc:creator>
		<pubDate>Tue, 21 Apr 2009 18:45:56 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181201</guid>
		<description>&lt;i&gt;Here&#039;s a graph, produced by Wells Fargo Insurance Services, that might convince you. From 1970 to 2005 the CPI has gone up about five times and healthcare costs have gone up nearly 19 times. Remember that according to the JAMA, insurance administrative costs are at most 30% of total healthcare costs. What makes up the rest?&lt;/i&gt;&lt;br&gt;&lt;br&gt;Are you kidding?  How about hospitals, nursing homes, home health care, physical/occupational/respiratory/speech therapy, radiology, labs, medications, durable medical equipment, etc, etc, etc.</description>
		<content:encoded><![CDATA[<p><i>Here&#39;s a graph, produced by Wells Fargo Insurance Services, that might convince you. From 1970 to 2005 the CPI has gone up about five times and healthcare costs have gone up nearly 19 times. Remember that according to the JAMA, insurance administrative costs are at most 30% of total healthcare costs. What makes up the rest?</i></p>
<p>Are you kidding?  How about hospitals, nursing homes, home health care, physical/occupational/respiratory/speech therapy, radiology, labs, medications, durable medical equipment, etc, etc, etc.</p>
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		<title>By: GreenDreams</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181189</link>
		<dc:creator>GreenDreams</dc:creator>
		<pubDate>Tue, 21 Apr 2009 17:48:12 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181189</guid>
		<description>OK, some of you are clearly enamored with your private insurance. FINE. What&#039;s wrong with offering ME Medicare at my actual share of the cost? If you think the private model is better, you stick with that, pay more and MAYBE they pay for more expensive end-of-life treatment. Maybe not. But unless you actually doubt the superiority of your precious for-profit model, why not let those of us who HATE those companies opt for a federal program that you think is inferior? It&#039;s our funeral, right?&lt;br&gt;&lt;br&gt;If it does not meet the needs of its customers, it will fail as a business, right? Why are you afraid to let a non-profit model into the market? I think you know your insurance companies couldn&#039;t compete and maybe you&#039;re stockholders. Who knows why you are so intent on keeping us who can&#039;t afford or don&#039;t want their crappy and increasingly expensive coverage to try another model. I promise to pay THE FULL COST of covering me. Why are you so anti-competitive?</description>
		<content:encoded><![CDATA[<p>OK, some of you are clearly enamored with your private insurance. FINE. What&#39;s wrong with offering ME Medicare at my actual share of the cost? If you think the private model is better, you stick with that, pay more and MAYBE they pay for more expensive end-of-life treatment. Maybe not. But unless you actually doubt the superiority of your precious for-profit model, why not let those of us who HATE those companies opt for a federal program that you think is inferior? It&#39;s our funeral, right?</p>
<p>If it does not meet the needs of its customers, it will fail as a business, right? Why are you afraid to let a non-profit model into the market? I think you know your insurance companies couldn&#39;t compete and maybe you&#39;re stockholders. Who knows why you are so intent on keeping us who can&#39;t afford or don&#39;t want their crappy and increasingly expensive coverage to try another model. I promise to pay THE FULL COST of covering me. Why are you so anti-competitive?</p>
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		<title>By: Dr_J</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181181</link>
		<dc:creator>Dr_J</dc:creator>
		<pubDate>Tue, 21 Apr 2009 17:19:37 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181181</guid>
		<description>JWest: that&#039;s the sort of reform I&#039;d like to see.  Costs are skyrocketing because the people booking the appointments are not the ones paying the bills.  &lt;br&gt;&lt;br&gt;Shrinking the role of insurance--private or public--and getting people paying for more directly would do wonders for the system.  You&#039;d get more people asking, &quot;why are you charging me $200 for a 10-minute conversation and a tongue depressor?&quot; and shopping around for a doctor who didn&#039;t.  Quality, efficiency, and accountability would go up, prices would come down.</description>
		<content:encoded><![CDATA[<p>JWest: that&#39;s the sort of reform I&#39;d like to see.  Costs are skyrocketing because the people booking the appointments are not the ones paying the bills.  </p>
<p>Shrinking the role of insurance&#8211;private or public&#8211;and getting people paying for more directly would do wonders for the system.  You&#39;d get more people asking, &#8220;why are you charging me $200 for a 10-minute conversation and a tongue depressor?&#8221; and shopping around for a doctor who didn&#39;t.  Quality, efficiency, and accountability would go up, prices would come down.</p>
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		<title>By: Dave_Schuler</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181180</link>
		<dc:creator>Dave_Schuler</dc:creator>
		<pubDate>Tue, 21 Apr 2009 17:18:22 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181180</guid>
		<description>Mostly the BLS.&lt;br&gt;&lt;br&gt;&lt;a href=&quot;http://media.artdiamondblog.com/images2/HealthCareCostsGraph.jpg&quot; rel=&quot;nofollow&quot;&gt;Here&#039;s a graph, produced by Wells Fargo Insurance Services&lt;/a&gt;, that might convince you.  From 1970 to 2005 the CPI has gone up about five times and healthcare costs have gone up nearly 19 times.  Remember that according to the JAMA, insurance administrative costs are at most 30% of total healthcare costs.  What makes up the rest?  &lt;br&gt;&lt;br&gt;Legal costs and malpractice insurance costs are both in the small one digits so they don&#039;t explain it.  Drug costs are rising fast but are only something like 10% of the total.  What&#039;s your explanation.  Mine is wages.</description>
		<content:encoded><![CDATA[<p>Mostly the BLS.</p>
<p><a href="http://media.artdiamondblog.com/images2/HealthCareCostsGraph.jpg" rel="nofollow">Here&#39;s a graph, produced by Wells Fargo Insurance Services</a>, that might convince you.  From 1970 to 2005 the CPI has gone up about five times and healthcare costs have gone up nearly 19 times.  Remember that according to the JAMA, insurance administrative costs are at most 30% of total healthcare costs.  What makes up the rest?  </p>
<p>Legal costs and malpractice insurance costs are both in the small one digits so they don&#39;t explain it.  Drug costs are rising fast but are only something like 10% of the total.  What&#39;s your explanation.  Mine is wages.</p>
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		<title>By: DaGoat</title>
		<link>http://themoderatevoice.com/29512/naive-questions-about-healthcare-reform/comment-page-1/#comment-181166</link>
		<dc:creator>DaGoat</dc:creator>
		<pubDate>Tue, 21 Apr 2009 16:15:03 +0000</pubDate>
		<guid isPermaLink="false">http://themoderatevoice.com/?p=29512#comment-181166</guid>
		<description>&lt;i&gt;I have no idea how AARP arrived at their number so it&#039;s rather hard for me to comment on it other than to suggest that they&#039;re wrong or, perhaps, they&#039;re defining things a little differently than I am.&lt;/i&gt;&lt;br&gt;&lt;br&gt;Well I told you where my numbers are from, where are you getting yours?</description>
		<content:encoded><![CDATA[<p><i>I have no idea how AARP arrived at their number so it&#39;s rather hard for me to comment on it other than to suggest that they&#39;re wrong or, perhaps, they&#39;re defining things a little differently than I am.</i></p>
<p>Well I told you where my numbers are from, where are you getting yours?</p>
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