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TheNuge 1 child; Pennsylvania 23152 posts
4th Jul '13

<blockquote><b>Quoting justanothamotha:</b>" When you get a chance, enlighten me as to how the insurance companies aren't greedy cultures. They are ... [snip!] ... they could. I support people making a profit. I don't support price gouging. And if you gouge - then you are a vulture to me."</blockquote>




Define "gouging" please

justanothamotha Due January 20; 130 kids; Climax, Michigan 5120 posts
4th Jul '13
Quoting TheNuge:" <blockquote><b>Quoting justanothamotha:</b>" When you get a chance, enlighten me as ... [snip!] ... I don't support price gouging. And if you gouge - then you are a vulture to me."</blockquote> Define "gouging" please"

Charging excessively for services above & beyond normal profit margins. A company cannot, under NORMAL services operate expecting record breaking profits every year...as you & I know that you & I don't make record breaking money to pay them each year.



This is a quick grab...but how about things like this:
In the midst of a deep economic recession, America's health insurance companies increased their profits by 56 percent in 2009, a year that saw 2.7 million people lose their private coverage.


A spokesman for the nation's health insurers said their profits are reasonable and represent only a small part overall increase in health insurance costs.


Wellpoint increased profits 91 percent from 2008 while it chopped 3.9 percent of its total enrollment.
img_bullet_orangedot.gif United Health's profit increased 28 percent from 2008, while enrollment dropped by 3.4 percent.
img_bullet_orangedot.gif Cigna's profit increased 346 percent and enrollment dropped 5.5 percent.
img_bullet_orangedot.gif Humana's profit increased by 61 percent while enrollment decreased by 1.7 percent.

"How did they accomplish this feat in the midst of a sharp economic downturn that reduced wealth across the board?" asked Rep. Rosa DeLauro (D-Conn.). "Easy. They delayed payments to doctors, hospitals, patients. They raised premiums, increased co-pays and deductibles."

http://abcnews.go.com/Health/HealthCare/health-insurers-post-record-profits/story?id=9818699#.UdVzaqzZT3Q

http://www.healthinsurance.org/blog/2010/11/15/insurance-company-profits-up-41-percent/

and this last article discusses the underuse of insurance due to increases in deductibles/copays/etc...so they are paying FEWER claims now than ever for those that are insured, because part or all of it falls under deductible or people are GOING WITHOUT TREATMENTS because they don't have the money up front to cover deductibles or copays, despite being insured.
http://www.nytimes.com/2011/05/14/business/14health.html?_r=0



And sorry - the linking would not work for me for some reason.

lolajessup 3 kids; 1 angel baby; Beaverton, Michigan 44076 posts
4th Jul '13

<blockquote><b>Quoting empire state of mind:</b>" What condition is this?"</blockquote>




Vasa previa

lolajessup 3 kids; 1 angel baby; Beaverton, Michigan 44076 posts
4th Jul '13

<blockquote><b>Quoting Destiel:</b>" how early is an early u/s in the US .. because here we do a dating scan at 6 weeks."</blockquote>




6 weeks. Then 8 weeks, 11, 19, 26, 27, 32, 33, 34, 35, csection. Two u/a techs and a resident dr couldn't see the VP. Luckily it was my peri (which most drs do not send their patients to a peri over vts which in my case would have been the factor that killed my baby). My peri had a hard time seeing it so he had the other peri do my last u/s for a second opinion and the resident who was sitting in the previous week tried to find the vessel while we waited and she couldn't. The peri took over 15 minutes trying to find it and if the resident hasn't told her it was there she saw it the week before she admitted she would have missed it too and it would have went undiagnosed. We were just very lucky with our circumstances and how everything played out.

Jenny&Boopy Due June 26; 2 kids; Pittsburgh, Pennsylvania 7712 posts
4th Jul '13

<blockquote><b>Quoting justanothamotha:</b>" HUGE premium increases existed LONGGGG before Obamacare....long before. In fact they existed before you ... [snip!] ... Obama wasn't even on a ballot at that point. Obamacare has it's issues...it is NOT the cause of increases in healthcare costs."</blockquote>



Yes there have been normal increases to the cost of healthcare. Like anything else, the prices can and will go up. There is nothing anyone can do to change that, it's life. Cost of living increases. BUT the increase in rates since Obama started this mess have been much higher than they were previously. Did the healthcare industry, mainly insurance companies need a change? Yes. I agree with the whole not declining coverage for pre-existing conditions. But forcing companies to give every full time employee insurance regardless of company size is wrong. It's doing way more harm than good. When my premium for the private insurance SO buys me went up 10% twice in the last two years I called naturally to see why. I was told it was because of Obamacare.

I Stab People 3 kids; Zambia 6604 posts
4th Jul '13

i didnt go thru and read all of that but if we are basing our system vs canada's system then yes i definatly believe it.

while canada is more than able to provide proper care for NORMAL every day cases, it absolutely sucks when dealing with critical issues, especially in children.

there is only 5 childrens specialty hospitals in all of canada... there is more than that in the US in only ohio.

plus it takes FOREVER to get a refferal to go anywhere else.

my best friend lives in canada. our sons have the same heart defect.

the care that my son received and the care that her son received are sooooooo far apart theyre not even in the same ballpark.

just recently, after a year struggle, has she gotten permission to transfer to a bigger hospital, and now after all the tests, tests my son had when he was 9 weeks old, they are asking the question as to why things wernt addressed sooner. he should have had a second surgery between 3-6 months, hes now 20 months. his heart is begining to fail, he has liver problems from liver failure from the other hospital OD'ing him on tylenol, he has kidney issues from prolonged bypass from complications in his first surgery, hypogylcemia, hypothyroidism, and neutropenia, all from his body just failing from the stress. its horrible and i feel so bad, had she been from here 90% of that would have been avoided.

Interrobang!? 6 kids; Ontario 1176 posts
4th Jul '13
Quoting I Stab People:" i didnt go thru and read all of that but if we are basing our system vs canada's system then yes i definatly ... [snip!] ... body just failing from the stress. its horrible and i feel so bad, had she been from here 90% of that would have been avoided."


Where in Canada does your friend live? My 23 m/o is a heart baby and we have gotten nothing but fantastic care.



I hate it when Americans first don't even bother reading what the article stated (as biased as it was), then go off badmouthing a system they have no real idea about.




We have fewer children's specialty hospitals because of several reasons. First, we have around 1/10th of the population of the US. There aren't enough children, let alone gravely ill ones, to warrant a chain of private hospitals specifically for the treatment of children. Second, childrens' specialists are simply located at regular hospitals or disease-specific hospitals, rather than at special childrens' only hospitals.



Critical care is excellent here. Canadians do go to US for some things, but that's simply because the specialists who deal with those things are more numerous there, and elective procedures (like non-reconstructive plastic surgery) are cheaper there since doctors who specialize in it are a dime a dozen there, but comparatively rarer here.



Your one friend's experience (or alleged experience) does not make you knowledgeable about how our system works. The "wait times" and referral wait times are grossly exaggerated, largely by the American media. For non-critical procedures and tests, depending on where you live, you may wait some amount of time, but it's generally comparable to private insurance in the US. The longest I've heard of any of my family members waiting for anything was my grandma, she had to wait about 6 weeks for a surgery on her knee, which was a long-term and static problem, ie wasn't getting any worse in the time she had to wait and wasn't significantly decreasing her quality of life.



Also, I'm not pointing fingers, but from all my experiences with a heart baby myself, it sounds like your friend is leaving some major details out or there has been some exaggeration or misunderstanding at some level of this little game of telephone. I went to a support group in Ottawa when we lived in QC and were getting care there, with other parents of kids with CHDs, no one had an experience anything close to that. Even those who felt their care was not what they wanted. Perhaps your friend's baby's case is more complex, and they were struggling to diagnose him or properly figure out how to treat it, or he simply didn't respond to normal treatment, I don't know, but I can tell you that that is NOT how things are conducted here and if the case really is exactly how you stated it is, those doctors have a big inquiry coming their way.

user banned Lesbos, Greece 95211 posts
4th Jul '13
Quoting I♥RYLEIGH:" :shock::shock:"


Yeah.
With no insurance, my meds (which I take multiple times a day) cost me a little over $300 a month. :x

I Stab People 3 kids; Zambia 6604 posts
4th Jul '13

<blockquote><b>Quoting Interrobang!?:</b>" Where in Canada does your friend live? My 23 m/o is a heart baby and we have gotten nothing but fantastic ... [snip!] ... are conducted here and if the case really is exactly how you stated it is, those doctors have a big inquiry coming their way."</blockquote>




She's going to sick kids now and is very happy. She was going to cheo