health care funding

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bibugeorge
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health care funding

Post by bibugeorge » Sun Nov 08, 2009 4:38 pm

Lot of on-line news today about Obama's health care bill being passed. I am not sure why Americans oppose universal healthcare systems like those available in most European countries? Given a choice I would like to see government funded healthcare rather than insurance based health care in India as well. Like to hear the views of our batchmates in US.

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biju
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Re: health care funding

Post by biju » Sun Nov 08, 2009 9:31 pm

Bibu, the model of central funding to maintain a 'free at point of care' or even minimally charged health delivery is the ideal. The European/ British systems have proved that it is do-able.
To replicate that in India would mean a lot of political will and even more money with checks and balances to ensure the money reaches the intended destination. I cant see it happening in our lifetime as efficiently as we have seen here or have heard of in the Scandinavian countries.
BIJU JOSE

francisthomas
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Re: health care funding

Post by francisthomas » Fri Nov 13, 2009 9:39 pm

the main opposition from people is all these stories about waiting time and lacvk of choice, which works well for rich, but govt sponsored one works well for all, provided i think the inroduction of targets have helped to cut down wating times.

India is going the US way unfortunately.

reena
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Re: health care funding

Post by reena » Mon Nov 16, 2009 4:22 am

Regarding Obama's universal health care system: I have not read the whole >1000 papers of this bill. So cannot talk authoritatively but still, It is not simple as the other part of the world is doing something similar, why cannot it be done in US? First of all Gov. runned institutions are a failure like the Medicare (not completely yet) system here. It is working now but we do not have enough left when for the future which is a sad thing for every working Americans. Second, Americans do not like Gov stepping into their day to day life. (Actually they think they are a complete- free society and Gov do not have much control over their life!!). Third and most important, we do not know how it is going to work. They are trying to reduce the cost of medical spending. They will reduce the reimbursement to physicians at the same time the cost for everything around you are sky rising. Business owner will be forced to take Gov. offered insurance for their employees. Physicians my never get proper reimbursement and they will start not- taking those patients. Then Gov will make it mandatory for you see those patients at your own expenses. The culprits in medical spending are the lawyers; they make everybody's life miserable. Remember Obama is an attorney too. The airheads and die hard socialists (including many immigrant physicians) think the change is on their way. These are the few examples: No company can sue the government for price-fixing. No "judicial review" is permitted against the government monopoly. Put simply, private insurers will be crushed.The government will set wages for Doctors services. (at our own expenses to pay our malpractice insurance and numerous other insurances you need to have an out patient office)
An employer MUST auto-enroll employees into the government-run public plan. No alternatives.
Employers MUST pay healthcare bills for part-time employees AND their families. This will help many Citizens not Americans but other countries.
I hope it is meant for the future not just trying to cover up the Medicare lost in the near future and a political game of image building. We will see, is it going to pass in the Senate.

reena
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Re: health care funding

Post by reena » Tue Nov 17, 2009 4:18 am

Bibu,
I have not seen any comments about the controversial bill. Truly I didn't want to disappoint any Obama fans. But the Truth is this. As Vadakkedam stated once
"sathyathinte Mukham eppezhum karuthirikkum"

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biju
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Re: health care funding

Post by biju » Tue Nov 17, 2009 11:56 am

I think the crux of the issue is the differences in the socio-political ethos of our two (adopted) countries.
Reena, you nailed it when you said that Americans are paranoid about Govt playing Big bro and meddling. Here in UK, the Joe public would prefer everything done for them.
Britain is a welfare state (http://en.wikipedia.org/wiki/Welfare_state) , as are many European countries. So the system of centrally administered healthcare from a common pot of money sits well with their policies.
I guess we just have to wait and see, right?
BIJU JOSE

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biju
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Re: health care funding

Post by biju » Tue Nov 17, 2009 12:32 pm

So the system of centrally administered healthcare from a common pot of money sits well with their policies.
Having said that every party here would love to offload the NHS from their expense books, but that would be the end of their party's role in national politics. It would be an unmitigated political suicide!

And the current Labour government has made some covert, half-hearted attempts at bringing in privatisation through the back door....
BIJU JOSE

reena
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Re: health care funding

Post by reena » Fri Nov 20, 2009 3:38 am

Biju,
Our current system here is toooo goood for people they do not work and do not care about anything. Also good for people they are too rich. Who ever in the middle will be working hard and may be harder now.President's plan will not help them at all. We do smell a socialist idea in our President's motives which is a failed and decayed system except for our Communist/'mark' list party in India. America is the country of opportunity. There is no doubt about that. When you work hard you contribute a lot to the Gov and if you get punished by exposing yourself to more taxes, it doesn't sound right !!
May be our President is trying to read through the Bible, The more you are given and the more will be asked from you.

When I mentioned 'Americans', I said it purposely, It is not because I don't feel like I am an American, it is because a lot of people here think they are free and America is an absolutely free country, in-fact every aspect of your life is actually controlled by Gov(law enforcement) even when you talk to somebody you will be careful not to offend anybody, you want to be politically correct and majority of time you may not be able to express your true opinion/feelings. so I was little bit sarcastic. I still believe this is the best place for me to live.
Reena

bibugeorge
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Re: health care funding

Post by bibugeorge » Fri Nov 20, 2009 11:37 pm

hi Reena

out of curiosity, when you take your insurance, is there any condition that is not covered? also what is the arrangement for a preexisting condition, for eg someone who has uncontrolled diabetes coming to US for settling.

bibu

reena
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Re: health care funding

Post by reena » Mon Nov 23, 2009 12:05 am

Bibu,
There is certain insurance options, not insurance company indicate that they will not cover pre-existing conditions. But majority will although the premiums will be little high. This applies mainly for personal insurance choices, if you go through your work insurance or other forms of group insurance it may not be an issue at all. This is one area Obama claims he will eliminate if his bill passes in the senate. DM is not a very big issue here to deny insurance coverage. If you see somebody older than 50-55yrs and not having DM would be a rare thing. Lupus, Multiple sclerosis, smoking etc will increase premiums high. Insurance companies are ridiculous they want to know whether you are going to have babies in the future,had tubal ligation or IUD/OCP. They may not cover pregnancy expenses and least that is what it says.
reena

francisthomas
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Re: health care funding

Post by francisthomas » Mon Nov 23, 2009 9:22 pm

why cant the pvt and public health care system go hand in hand. aty least it will help people those who cant afford insurance.

kannanvaidyanathan
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Re: health care funding

Post by kannanvaidyanathan » Tue Nov 24, 2009 3:11 am

The problem in the Indian context is a complete lack of planning. In India if anything is done, it is only as an imitation, without studying as things would apply to our context. If taken seriously and executed properly with proper vision and committment, there is no reason why insurance programs or the like should not succeed (in India). But the reality is as Biju said there does not seem to be any chance that this will occur in our lifetime. A simple case study of other development projects in Kochi would say that. The Kakkanad projects or the Metro Rail project in Kochi are classical examples. The overbridge in Edappalli railway station (to AIMS) is under construction for the last (maybe) 7 years. Governments are doing nothing, so people prefer private sector undertakings. I still dont understand if there is even one citizen who is opposing development by the Government? Its all political, all of them are good for nothing.

bibugeorge
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Re: health care funding

Post by bibugeorge » Tue Nov 24, 2009 11:24 pm

But the reality is as Biju said there does not seem to be any chance that this will occur in our lifetime.
I cant see it happening in our lifetime as efficiently as we have seen here or have heard of in the Scandinavian countries.
hi Kannan, Biju
Dont despair. Good things will happen in our lifetime. Did you know that there are exact dates proposed for us Indians to overtake westerners in many things. watch this presentation. Its approx 15 minutes, but worth watching.

http://economictimes.indiatimes.com/tv/ ... 261107.cms

Good chance we will be alive with current average life span for a person born in Kerala.

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biju
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Re: health care funding

Post by biju » Wed Nov 25, 2009 6:43 pm

That video was splendid! I loved the guy, great presence. Is he really an Indian in disguise? He was simply pouring it on, wasn't he? No wonder the audience loved him!
BIJU JOSE

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siby
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Re: health care funding

Post by siby » Thu Nov 26, 2009 3:07 pm

That video is very promising. It seems to be in an Indian context, sothere could be a some natural bias.
On the other hand (sorry to deviate from the original post Bibu) what is happening with the commodity prices in Kerala? I am not sure if it is nationwide. Over the last 4 - 5 years, prices for essential items like rice, vegetables etc. have gone several folds; let alone the property price. Our inflation rate is not too bad though. Not sure it is a good thing. Sure that people's purchasing capacity is better now, but is it due to a real economic growth or something fake?
Siby

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