It looks like you're using an Ad Blocker.
Please white-list or disable AboveTopSecret.com in your ad-blocking tool.
Thank you.
Some features of ATS will be disabled while you continue to use an ad-blocker.
Originally posted by Jenna
Does that $20 a year take into account all the unnecessary and needless procedures and tests that won't be done anymore when doctors aren't constantly worried about covering their tails? Somehow I don't think it does and that's a cost that we pay that needs to be taken into account before just dismissing tort reform as pointless monetarily.
Originally posted by Jenna
I still don't know where you're getting .2% from. If you're referencing this:
Therefore, lowering premiums for medical liability insurance by 10 percent would reduce total national health care expenditures by about 0.2 percent.
It's not talking about our health insurance premiums.
The reason a 10% decrease in mal-premiums does not reflect a higher savings in the over all (volvo or apple) is because the cost is not on the insurer side - it is on the delivery side.
The CBO and several studies still disagree with you.
Well I am talking apples and you just said reducing malpractice would not be reflected in the CBO estimates to premiums did you not?
I know first have that my doc only assigns an actual price to out of pocket patients.
All other charges are determined by the Insurance side... A doctor could pay 15 million dollars for a policy and still make the exact same amount on the EOB (explaination of benefits- bill/receipt) If a doctor is in network it means they have agreed to the level of malpractice determined and the price structure stipulated in the initial contract per policy.
So why do you insists that skimming 10% off delivery will impact premiums in anyway?
The doctors work for the insurance co's not the other way around.
Well if you assumed one portion of those savings if divided by the population or the insured... there you would get my infamous $2 figure
But again, you can't take savings from malpractice insurance and divide it by the number of people with health insurance. They're not even close to the same thing nor does the number of doctors in the US come anywhere close to 300 million people. That would make every insurance policy holder a doctor and that's simply not true.
Well I like perspective - so it helps to apply money spent by a society to the size of the society. If we are talking doctors we could be talking a $2,000 - to $16,500 savings on malpractice per the CBO report depending on the vocation and location.
But as I said the delivery system cannot pass this benefit on to consumers directly, it doesn't work that way, once again the doctors do not bill the patient, they bill the insurance company for the patient - that cost is already predetermined when contracts are signed to be IN NETWORK...
Well, the truth is the insurance companies are funding the main lobbying effort for this, and the truth is also the $2 figure. You slice up the 54 billion - its like a doughnut and coffee every month and I is not a substancal figure when it is distributed across the entire market or population. The real savings will be for the industry and Pharma (if applicable)
Still trying to compare things that are not in any way comparable. You can post it as many times as you like. It doesn't make it any more accurate than the first time you did.
I think you are being stubourn with purpose - I am talking about delivery -
if the entirety of that 54 billion was directly applied to savings on premiums
it would amount to that figure. That is simple math - I am trying to determine the benefit to people who pay premiums - I found that if you chopped up the number and applied it to the currently insured it would indicate a $2 saving on premiums, that IS accurate. I am applying a large number to the market and market base it is related to - what else should I compare it to?
You expand on this, you show me some humor and tell me how to determine how this will impact my pocket, so my little brain can wrap its feeble tenticles around the benefits, please?
I still don't know why you think ANY additional savings will be passed on to the consumers.
Because it's been shown to do so. States have put caps on punitive damages and lo and behold malpractice insurance rates dropped as did the number of unnecessary tests and procedures.
not in Texas - some of their counties have double the national average in costs. One has the second highest in the entire country, with tort reform cap at $250,000 - Second to Fort Lauderdale Florida -
Like I said the two costs are Independent, seriously Jenna... The price of my pizza is NOT affected by the price of the delivery mans car insurance or gas... For the how ever many times, a contracted doctor is paid by the insurance company, not the patient (less co pays or deductibles)- The insurance company CHARGES -
PD? I'm not sure what that's an acronym for unless it's punitive damages?[/PD]
perscribed discount - this is the Amount an insurance company pays a doctor for any given procedure. The difference between the PD and what the doctor gets for a procedure/s is the profit, which is assigned by insurance companies - not doctors.
Doctors sign a contract which caps their own pay in order to have access to the insurance pool.
The real cost in healthcare happens in the billing - thats where the real money is- when procedure is capped by insurance who then inflate actual costs to their heart desire - until that is addressed, nothing else is worth half a damn IMO
I agree. But tort reform isn't about billing, it's for after health care if something goes wrong. The costs involved in the actual care need to be adjusted and tort reform isn't meant to be a cure-all that magically fixes all of health care all on it's own. But it does need to happen in conjunction with other reforms on the industry. To dismiss it completely just because it won't magically fix everything just doesn't make any sense to me.
I don't dismiss it, but I do not see it in a shinning glow either. I worry that it can limit access to the courts as a filter used to weed out false claims might be utilized to screw the truly messed up.
So how much will you save from tort reform per the CBO??? give me an estimate ?
Originally posted by Southern Guardian
but likewise his a passionate guy and his a great teacher... and yet every time at work he finds himself having to watch his tail every second around kids when his trying to do his job. He does coaching but its as if he has to be on edge to avoid an "abuse lawsuit".
but theres the history of assuming the victim is always... a victim.
Nobody should be protected more than the other in court room. The judges, the jury decided whether there is sufficient evidence or whether the case was fraudulent or as to howmuch the compensation should really be.
Originally posted by Jenna
Originally posted by Southern Guardian
but likewise his a passionate guy and his a great teacher... and yet every time at work he finds himself having to watch his tail every second around kids when his trying to do his job. He does coaching but its as if he has to be on edge to avoid an "abuse lawsuit".
It's sad really. Men are just as capable in teaching and babysitting roles as women are, yet being male it's assumed that there must be something "wrong" with them if that's what they want to do. The best teachers I ever had in school were male. They all seemed to actually enjoy the subjects they taught as opposed to the women who seemed more concerned with us being quiet and the day passing quickly.
but theres the history of assuming the victim is always... a victim.
Agreed. There's this horrible tendency to assume that people only claim they're victimized because they are. When in reality it's not always the case. Some "victims" are just angry and want to make someone pay no matter who it is.
Nobody should be protected more than the other in court room. The judges, the jury decided whether there is sufficient evidence or whether the case was fraudulent or as to howmuch the compensation should really be.
Agreed with one exception. I believe that the courts and juries should decide whether cases are fraudulent or warranted and that they should decide the level of compensation. However, I don't believe it's unreasonable to cap punitive and non-monetary damages. The monetary damages should not be capped, and it hasn't been suggested, due to that being what loss of income and the costs associated with medical care, funerals, and living with a disability fall under. Non-monetary (pain and suffering and loss of consortium) and punitive damages (punishment for the defendant) should be capped though.
The former can't really be added up with any degree of reliability. What I find unbearable to live with someone else might find bearable though not ideal. The latter I believe is equivalent to beating someone over the head with a baseball bat when they've already handed over their wallet, keys, watch, and everything else of value they have on them. They're already being punished for their negligence by paying monetary and non-monetary damages. Tacking on a few million on top of it to punish them is just redundant.
Originally posted by mental modulator
Well I am talking apples and you just said reducing malpractice would not be reflected in the CBO estimates to premiums did you not?
So why do you insists that skimming 10% off delivery will impact premiums in anyway? The doctors work for the insurance co's not the other way around.
Well I like perspective - so it helps to apply money spent by a society to the size of the society. If we are talking doctors we could be talking a $2,000 - to $16,500 savings on malpractice per the CBO report depending on the vocation and location.
But as I said the delivery system cannot pass this benefit on to consumers directly, it doesn't work that way, once again the doctors do not bill the patient, they bill the insurance company for the patient - that cost is already predetermined when contracts are signed to be IN NETWORK...
I think you are being stubourn with purpose
I am talking about delivery
I am applying a large number to the market and market base it is related to - what else should I compare it to?
You expand on this, you show me some humor and tell me how to determine how this will impact my pocket, so my little brain can wrap its feeble tenticles around the benefits, please?
not in Texas - some of their counties have double the national average in costs. One has the second highest in the entire country, with tort reform cap at $250,000 - Second to Fort Lauderdale Florida -
The price of my pizza is NOT affected by the price of the delivery mans car insurance or gas.
perscribed discount - this is the Amount an insurance company pays a doctor for any given procedure.
I don't dismiss it, but I do not see it in a shinning glow either. I worry that it can limit access to the courts as a filter used to weed out false claims might be utilized to screw the truly messed up.
So how much will you save from tort reform per the CBO??? give me an estimate ?
Originally posted by mental modulator
Hell SG is the man -
It takes him to help me understand you further - I can agree with you on this whole post, I can be about as smooth as cactus...
Originally posted by Jenna
Huh? No. Where on earth did you get that idea?
Therefore, lowering premiums for medical liability insurance by 10 percent would reduce total national health care expenditures by about 0.2 percent.
It's not talking about our health insurance premiums.
Do you hate me or wish me insanity???
Do you work for your health insurance provider? I sure don't. And seeing as how you've said you work in billing for a doctor neither do you.
Really - you wish me hair loss for your pleasure
I work for a doctor(healthcare PROVIDER in a DELIVERY roll)
Doctor's work for their patients, not the insurance companies.
UHHH...
No they work WITH the patients, their compensation is serviced thru insurance companies. They are only able to honor your insurance and your business if they are contracted with YOUR insurance company, provided you have insurance. If your insurance is accepted they are in a financial contract with the insurance company directly, they are in an implied contract with the patient.
It's not 10% off delivery, it's 10% off the premiums for malpractice insurance. You seem to be getting confused...
delivery does not set prices for I9 diagnosis coding to insured patients, insurance companies do. However a 10% off premiums will benefit the delivery side - a doctor
is the primary tool in any delivery system.
and ya I am not sure if you are actually fooking with me for fun, are you?
Perspective is fine. It's when you try to gain perspective by comparing things that are in no way similar that you run into a problem. Apples and Volvo's. The only thing they have in common is they are inanimate objects until messed with.
How are they not similar - you are not retarded - it is a figure applied to health costs
and a market - you have the problem - You are purposely being difficult or you have zero ability to extrapolate, but I -------
NEVERMIND -I have never had such an unreasonable discussion in my entire time on ATS, I may get off on horrible sadistic humor but it is not meant to be mean spirited.
However it seems you enjoy to dominate for the sake of the empowerment it provides you, not on the merits of accuracy or in this case the promotion of understanding and discussion. I do hope you become more self aware one day.
Hasn't been very fun,expansive or particularly illuminating, but you are a certifiable bully, brow beater while being personable and smart as can be - no doubt you will go far in this world
Good luck, wish you and yours the best in all regards, I will not engage with you again.
MM
[edit on 12-10-2009 by mental modulator]
[edit on 12-10-2009 by mental modulator]
[edit on 12-10-2009 by mental modulator]
Originally posted by mental modulator
Do you hate me or wish me insanity???
No they work WITH the patients, their compensation is serviced thru insurance companies.
and ya I am not sure if you are actually fooking with me for fun, are you?
How are they not similar - you are not retarded - it is a figure applied to health costs and a market - you have the problem - You are purposely being difficult or you have zero ability to extrapolate, but I
Hasn't been very fun,expansive or particularly illuminating, but you are a certifiable bully, brow beater while being personable and smart as can be - no doubt you will go far in this world