MURDER, POLITICS, AND THE END OF THE JAZZ AGE
by Michael Wolraich
Order today at Barnes & Noble / Amazon / Books-A-Million / Bookshop
MURDER, POLITICS, AND THE END OF THE JAZZ AGE by Michael Wolraich Order today at Barnes & Noble / Amazon / Books-A-Million / Bookshop |
By Ariana Eujung Cha, Washington Post, Jan. 11, 2014
[....] While some cancellation notices already have gone out, insurers say the bulk of the letters will be sent in October, shortly before the next open-enrollment period begins. The timing — right before the midterm elections — could be difficult for Democrats who are already fending off Republican attacks about the Affordable Care Act and its troubled rollout.
Some of the small-business cancellations are occurring because the policies don’t meet the law’s basic coverage requirements. But many are related only indirectly to the law; insurers are trying to move customers to new plans designed to offset the financial and administrative risks associated with the health-care overhaul. As part of that, they are consolidating their plan offerings to maximize profits and streamline how they manage them.
“If they do it one way, the word canceled gets attached to it. If they do it another way, they say they are amending the policy. It sounds more gentle but it’s the same thing,” said Gary Claxton, an expert in private insurance at the Kaiser Family Foundation. “The basic point is, for many people in the small-group market at some point soon their coverage is going to change.” [....]
Comments
Maggie Mahar in a reply comment on her Health Beat blog, December 29, 2013:
Bob–
Narrow networks are here to stay.
Maybe 5% of the population–or less– can afford the premiums needed to pay those hospitals and specialists that use their market clout and brand name to overcharge.
At this point, 95% of individuals and employers buying insurance care most about price. They have no choice.
Meanwhile more and more research shows no correlation between
paying more and better care.
Under the ACA, infection rates at these supposedly
“primo” academic medical centers will be published — and more and more Americans will become skeptical about hte brand names. .
Higher infection rates because patients are sicker?
No a well-known doctor at a prestigious academic medical center explains: “The administration is terrified of the
“rain-maker” doctor and so no one is allowed to tell them they must wash their hands” (or use check-lists, or. . .)
The administration is afraid that rain-makers will take their
wealthy, well-insured patients to other hospitals. Hospitals in NYC compete for these guys.
Bottom line: as narrow networks continue to tighten, many of these providers will lower their prices. And as Medicare and insurers demand value for healthcare dollars, they will have to reduce errors & infections– and improve quality.
Maggie Mahar in a reply comment on her Health Beat blog on how similar reform of Medicare fee-for-service is the eventual target, how Medicare unreformed is actually the main cost problem, December 24, 2013:
H–
Yes, many hospital CEO’s are overpaid. But put all of their salaries together and you are looking at a tiny fraction of what we spend on health care–Far, far, less than 1%.
Woolhander and Himmelstein aren’t very good on the economics of healthcare.
I began as a financial journalist and so am pretty good at analyzing the numbers. When you “follow the money” closely who can see where the waste is.
One reason we don’t want Medicare for All (or single-payer) is because Medicare is very very wasteful. About $1 out of $3 is wasted on unnecessary and/or over-priced products and treatments. See the Dartmouth Atlas for research that goes back more than 20 years. (www.dartmouthatlas.org)
W and H don’t talk much about overtreatment. Instead they exaggerate how much of our healthcare dollars go to insurance companies (it’s actually a small percentage.) The big money goes to doctors, drug-makers and device makers. (Some single-payer advocates acknowledge that this true. But the leaders of the single-payer movement are not open to criticism. AS one former
single-payer doctor told me: “It’s my way or the highway.”
We overpay our specialists. we grossly over-pay for medical devices, and we over pay for drugs. We overpay academic medical centers. There is also much fraud– particularly in for-profit nursing homes and for-profit hospitals.
We also overpay hospitals for preventable mistakes. When a doctor removes the wrong leg (and this happens more often than you would believe) both he and the hospital are paid a second time to remove the correct leg. Surgical infections kill some people. In other cases they survive, but stay in the hospital longer and need a second operation. Again, both the hospital and doctor are paid a second time.
Bedsore are actually the most expensive “preventable mistake.” In some cases they kill people. In other cases bed sores lead to much longer hospital stays– sometimes the patient never goes home. He is simply transferred to a nursing home where he is bedridden for the rest of his life.
It is very easy to prevent bedsores by “turning patients” throughout the day. But hospitals that refuse to hire enough nurses to do the job let patients stay in one position for too long. This is how bedsores develop.
Many single-payer advocates are reluctant to blame doctors and hospitals for the waste. Some like W and H are themselves doctors. They would rather blame insurance companies and
administrators.
If we expanded Medicare to cover everyone of all ages we could never afford it.
We must reform Medicare first–then consider whether we want single-payer (Medicare for all.)
But only after Medicare reduces overpayemnts and squeezes out waste. When Medicare spending is cut by 15% or 20% (adjusted for regular inflation) then we talk about
Medicare for All. .
H–
Yes, many hospital CEO’s are overpaid. But put all of their salaries together and you are looking at a tiny fraction of what we spend on health care–Far, far, less than 1%.
Woolhander and Himmelstein aren’t very good on the economics of healthcare.
I began as a financial journalist and so am pretty good at analyzing the numbers. When you “follow the money” closely who can see where the waste is.
One reason we don’t want Medicare for All (or single-payer) is because Medicare is very very wasteful. About $1 out of $3 is wasted on unnecessary and/or over-priced products and treatments. See the Dartmouth Atlas for research that goes back more than 20 years. (www.dartmouthatlas.org)
W and H don’t talk much about overtreatment. Instead they exaggerate how much of our healthcare dollars go to insurance companies (it’s actually a small percentage.) The big money goes to doctors, drug-makers and device makers. (Some single-payer advocates acknowledge that this true. But the leaders of the single-payer movement are not open to criticism. AS one former
single-payer doctor told me: “It’s my way or the highway.”
We overpay our specialists. we grossly over-pay for medical devices, and we over pay for drugs. We overpay academic medical centers. There is also much fraud– particularly in for-profit nursing homes and for-profit hospitals.
We also overpay hospitals for preventable mistakes. When a doctor removes the wrong leg (and this happens more often than you would believe) both he and the hospital are paid a second time to remove the correct leg. Surgical infections kill some people. In other cases they survive, but stay in the hospital longer and need a second operation. Again, both the hospital and doctor are paid a second time.
Bedsore are actually the most expensive “preventable mistake.” In some cases they kill people. In other cases bed sores lead to much longer hospital stays– sometimes the patient never goes home. He is simply transferred to a nursing home where he is bedridden for the rest of his life.
It is very easy to prevent bedsores by “turning patients” throughout the day. But hospitals that refuse to hire enough nurses to do the job let patients stay in one position for too long. This is how bedsores develop.
Many single-payer advocates are reluctant to blame doctors and hospitals for the waste. Some like W and H are themselves doctors. They would rather blame insurance companies and
administrators.
If we expanded Medicare to cover everyone of all ages we could never afford it.
We must reform Medicare first–then consider whether we want single-payer (Medicare for all.)
But only after Medicare reduces overpayemnts and squeezes out waste. When Medicare spending is cut by 15% or 20% (adjusted for regular inflation) then we talk about
Medicare for All. .
by artappraiser on Mon, 01/13/2014 - 8:52pm
What's the bottom line here?
by Peter Schwartz on Mon, 01/13/2014 - 10:43pm
One piece (albeit a small one) of Obamacare is a move away from fee for service and toward treating the whole person and the whole disease and being paid for results, i.e., health.
by Peter Schwartz on Mon, 01/13/2014 - 10:45pm