{ "media_type": "text", "post_content": "Anyone else feel like we’re all getting a raw deal on healthcare? Switched to industry and one 30 minute doc appointment is $450 out of pocket.", "post_id": "5de43de045c8230024a4bc05", "reply_count": 259, "vote_count": 16, "bowl_id": "552d1d24dc1c586b09d2d051", "bowl_name": "Consulting" }

Anyone else feel like we’re all getting a raw deal on healthcare? Switched to industry and one 30 minute doc appointment is $450 out of pocket.

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I think we should all take a second look at organized labor and asks if it was good for workers and the owners. Anymore, it seems corporate is good for the few at the top. I am not saying organized labor is the solution but its worth looking into and understanding what it truly was and what it did for the people. I see a lot of people on here voice how horrible their healthcare is. Maybe we need to start asking ourselves how we can work together and change the situation at our companies. The companies also need to start demanding change from the insurance companies as well.

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Is that the royal we? Feel free to read up on the rise and fall of unions in the US. It’s not like there isn’t plenty of recent history out there. Just make sure you pick at least one pro and one anti author. Personally I’m somewhat familiar - unions are great for union bosses and company execs, who work out sweet deals for themselves. For everyone else it’s a mixed bag, but mostly blows.

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Option 1: Let's cut off the insurance companies. No more insurance will drive prices down to a level the consumer can actually pay for it. Pros- affordable health care and mutual consent with every transaction. Cons- health research fails to exist outside large corporate entities and government. Option 2: Medicare for all (single payer), government pays insurance, with one of two outcomes. 1. Endless spending and countless debt for 350,000,000 citizens. 2. Capping and regulating services for a moderate affordable bill. This will inturn publicly cap wages for health care workers. Those who agree will work, those who do not agree will lose their licenses to practice medicine. Pros: affordable health care for all Cons: Forcing individuals to work in a system in which they do not control their wage legally. Let's discuss.

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My source? Me. My mother was a second class patient with her doctor, who missed signs of her cancer until it was everywhere. My father was strung along by a different doctor until he had kidney failure and died in the hospital getting dialysis at 67. My mother in law also just died of cancer at 68 after it progressed into an untreatable stage without her Medicare doctor catching it How do these things get missed? By doctors who have to operate in volume because Medicare doesn’t pay them enough to properly see patients. It’s a conveyor belt and it is to be because that’s the only way they can afford to stay in business. When every patient is a Medicare patient, do you think that gets better?

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Have you considered voting for one Bernard Sanders?

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I am French and I work in Germany: both countries have high taxes (Germany more than France) and universal healthcare. Ask me all the questions you want - even how much I pay for it, if I have another private insurance and how that works in general.

We are all getting seriously f*cked. I’d much rather pay higher taxes and have free healthcare services. I was just traveling in the UK and needed to go to the ER. Waited less time than US ER, got amazing service and care, and was out in less than 2 hours. (Yes, I know there is an extra tax on citizens for this but if that’s the type of care you get then totally worth it!!!)

likeuplifting

So...completely change the American culture and it will all work. What is the problem?

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Single payor ✊🏼

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D3. I get it, you’re arguing the typical framework, and I’m telling you that it rarely applies in this type of market, a known fact In the health econ space due to many nuances (price elasticities, non direct payment structures via insurance companies etc). Example. If the price goes up, consumers buy less goods, but the goods in this market are considered necessary by consumers so demand is inelastic, thus consumers are willing to purchase these goods at any price. You’re arguing the supply is perfectly elastic....assuming that personal motivation is money and the healthcare facilities in this space are trying to maximize profits? First of all, only 21% of hospitals in the US are for profit and did you account for the profit maximizing insurance companies that get a cut? How does that affect your analogy if some of the profit from the insurance companies would go directly to providers? Clearly, would never happen in the US, but that’s the way it works in other places. And second, it’s impossible to model every agent’s utility curve. Here is some anecdotal evidence for you. I grew up in a family of cardiologists, who are obsessed with saving the world from heart disease due to their own family histories/personal circumstances. They’d spent many years of their life working in free clinics and abroad in the developing world, making next to nothing in comparison to what they would’ve been making in the States. Perhaps a philosophical tangent, but in the rest of the world people(especially the developing world) go into this occupation for altruistic reasons as they’re often paid as little as teachers. Though they aren’t saddled with 250k in student loans either. Perhaps in our culture, we reap what we sow.

smarthelpful

It makes me happy to see so many people waking up to the utter nonsense of our healthcare system. We spend double the amount per capita than other OECD countries, yet we still have a system that fails the majority of the pop.

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My comment was sarcastic, I got your point and was siding with you M2 ;-)

The thing that terrifies me about healthcare in this country, is how easy a bit of bad luck can land anyone from upper middle class and below in bankruptcy.

likesmart

What does “socialized medicine” mean to you?

Had two MRIs done this year, 10k. Have a high deductible (the only plan offered by current employer) plan so 2k was out of pocket for that. Then had a small surgery that ended up 30k and insurance declined to cover even though 2 docs thought it was necessary. Going back and forth with them now. I’m willing to pay more taxes so I don’t have to deal with this shit

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I’m also sorry to hear of the struggle. Going to Canada will only increase the struggle if it turns out to be a tumor.

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🇦🇺 here thinks y'all get a terrible terrible deal on healthcare, period.

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Point is, *nobody* is looking towards the US as the model for healthcare

likefunny

If we had good comprehensive healthcare that was not based on your employment. I would quit and start my own business, I would be open to many more things. Someone alluded earlier, it is absolutely an instrument to keep Americans in one place and in debt.

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This is one major benefit that will keep me at BCG for as long as possible. Free healthcare in network, haven’t paid a single expense since I’ve been here

likefunny

@BCG6 “Worse” I make twice as much at Google as I did at BCG and work 50-70% of the hours - spending an extra $1.5k a year on healthcare is totally worth it. :) For reference, I’m a heavy healthcare user and spend >$10k/mo. on prescriptions and out-of-network specialists.

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Just paid a doc $200 for a freaking 10 min consultation- wtf

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WTF? Some perspective: you paid a highly skilled Director or Partner-equivalent, whose effective bill rate is likely $600-$1600 an hour, $200 for their expert opinion. Your healthcare provider’s nurse line (Associate/ Senior Associate level) can do some consults, and a PA (Senior Associate/ Manager level) can do almost all of them (where available).

I’m glad I live in a country where I don’t pay (directly) for healthcare. The idea to don’t be able to pay for medical services would scare the shit out of me

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Thats capitalism for you

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@C2, clearly you're not entitled enough to realize that socialism is when the government does stuff. The more stuff it does, the more socialister it is. Straight from Mark Carl's mouth

Nyeah eh! 🇨🇦

funnylike

Deregulate

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Well, mere deregulation won’t fix this and neither will having the government take over paying. There is a fundamental problem in the cost structures imposed on medical providers by the system they work under. Deregulation will not fix it. Single payor will make it worse.

#Sanders2020

likesmart

Everyone from Canada and UK on this thread is saying they like their socialized healthcare. I'm tired of US scaredy cats always saying it's not good in other countries. It is good. It does work. Everyone I've talked to from UK and Canada is happy about it. So what's the freaking problem??!!!

likesmart

The U.K. and Canada do not have the same environment the US does. Our tort happy society plus intense regulation of doctors and their billing practices mean that US doctors have costs not experienced in other countries. Want to make it cheaper? Follow the laws of supply and demand. Create more doctors. Lower doctors costs. Give patients incentive not to run to doctors for every sneeze. There a lot in this simple statement. But if these three things are not addressed, all that’s going to happen is that prices will go up even more.

Hi from Canada..... we're sorry

likeuplifting

Industry benefits are not as good as consulting

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Depends on the industry. Utilities, O&G, Auto, Heavy Equipment all have great insurance. Much better than anything I've seen a consulting firm offer. I have a brother that pays max of $3 for name brand meds, all doctor visits are free. No pre-approvals for a Dr. ordered test. My dad pays nothing. He is retired.

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