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Random Healthcare Idea: Split the Middle
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Just a random idea that I'm curious to hear feedback on: go to single-payer for prescriptions/pharmaceuticals (so insulin, heart meds, birth control, viagra, etc.) and let things like physician's visits, hospital visits, etc. be covered by either private insurance, medicare/medicaid, or out of pocket. This thread could easily devolve into a long discussion about the "injustice" of the second part, every other developed country, etc. but in the U.S. there are some very real negatives to how medicare compensates hospitals and doctors. It seems to me that pharmaceuticals are the low-hanging fruit where a single-payer could greatly reduce costs and burdens with minimal damage to the function of private industry. It's not a perfect solution by any means but it could be a functional stop-gap policy. It also has one toe in each ideological camp so that may help in the legislative processes (though I can't imagine pharmaceutical lobbyists would take kindly to the proposal).

I was thinking that we could precondition patent protection and NIH funding for pharmaceuticals to participation in the government's single-payer coverage. Not sure if the first point would be constitutional (probably an argument against applying this to existing patents)

Just a thought, curious to hear others' thoughts.
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Re: Random Healthcare Idea: Split the Middle [GreenPlease] [ In reply to ]
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Get rid of pharmacy benefit managers (suck it CVS) and the rebates for drugs (between these parasitic ventures it is impossible to understand drug prices) and lo and behold if rent seekers are removed prices will probably come down.
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Re: Random Healthcare Idea: Split the Middle [GreenPlease] [ In reply to ]
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I think isolating various aspects as opposed to trying to come up with a sweeping solution for health care would be a good idea, some people might shit a brick on this but specifically as it relates to “drugs” in general...price controls should be on the table, in addition to single payer. In Canada drug companies have one agency which represents 37 million people to negotiate with.

My memory is foggy but IIRC patent protection was extended from 20 to 25 years as part of the new NAFTA. This was something the Americans “demanded” and the Canadians “conceded” as part of the larger negotiations.

Maurice
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Re: Random Healthcare Idea: Split the Middle [mauricemaher] [ In reply to ]
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Health Canada approves drugs to be sold in Canada. Pricing and reimbursement are then negotiated on a provincial level and here the access to medication can vary widely depending where you live. So the Canadian system is not exactly fool proof.
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Re: Random Healthcare Idea: Split the Middle [GreenPlease] [ In reply to ]
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One of the other big issue besides the pharmaceuticals is the insurance stuff that goes on in patent care. I hear people have issues that the hospital is covered by the private insurance but the doctor or another provider is out-of-network which leads to a lot of unexpected costs. Sometimes even if you do all of your homework there will be a random doctor to step in to assist during a surgery and you may not know it till the bill shows up.
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Re: Random Healthcare Idea: Split the Middle [AndysStrongAle] [ In reply to ]
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Med mal reform
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Re: Random Healthcare Idea: Split the Middle [GreenPlease] [ In reply to ]
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I agree with the drug part but I think annual doctor's visits should be covered as well. This would help to keep the ER visits down which is where a lot of the additional costs to healthcare come from.

_____
TEAM HD
Each day is what you make of it so make it the best day possible.
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Re: Random Healthcare Idea: Split the Middle [TheRef65] [ In reply to ]
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TheRef65 wrote:
I agree with the drug part but I think annual doctor's visits should be covered as well. This would help to keep the ER visits down which is where a lot of the additional costs to healthcare come from.

You realize they generally are, people just can't be bothered to go.
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Re: Random Healthcare Idea: Split the Middle [GreenPlease] [ In reply to ]
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That's an interesting solution. Speaking as someone in that industry, Windy had it spot on. Go after the PBMs. Power is consolidated into just 3 PBMs, and they are this generation's Standard Oil. They own the insurance plan(you know, the people they were suppose to be negotiating deals for) and they own the pharmacies(you know, the people they pay to provide the services). This arrangement is ripe for exploitation. Just look at what CVS and Optum have done to managed medicaid plans in states like Ohio. One payer could do the job by eliminating the PBMs.
But still the biggest driver in healthcare costs is end of life expenses. Gotta find a way to address this, otherwise you're only plugging the smaller holes.
Last edited by: ubdawg: Aug 26, 19 6:57
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Re: Random Healthcare Idea: Split the Middle [GreenPlease] [ In reply to ]
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if the goal is to improve the overall standard of healthcare in the US, lower overall costs and protect patients from excessive expenses i think it is a start, but on its own cannot do enough. While i would like to see prescription drug costs lowered, if they are only 10% of total healthcare spending this is only tinkering at the margins and not addressing the real problem...the other 90%.

Politically i think it would be a good move - as prescription drug costs seem to be the poster child for unaffordable healthcare in the US - despite being a minor contributor.
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Re: Random Healthcare Idea: Split the Middle [AndysStrongAle] [ In reply to ]
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AndysStrongAle wrote:
One of the other big issue besides the pharmaceuticals is the insurance stuff that goes on in patent care. I hear people have issues that the hospital is covered by the private insurance but the doctor or another provider is out-of-network which leads to a lot of unexpected costs. Sometimes even if you do all of your homework there will be a random doctor to step in to assist during a surgery and you may not know it till the bill shows up.

States have started to go after this on their own with surprise bill and anti-balance billing laws. The scope of them could generally be larger (e.g., NY's doesn't cover if you pick an out of network doctor based on incorrect plan information), but they do help eliminate a huge chunk of risk for patients, especially in emergency/surgery situations.

https://www.vox.com/...arbitration-new-york

https://www.insurance.ca.gov/...s/NoSupriseBills.cfm
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Re: Random Healthcare Idea: Split the Middle [TheRef65] [ In reply to ]
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TheRef65 wrote:
I agree with the drug part but I think annual doctor's visits should be covered as well. This would help to keep the ER visits down which is where a lot of the additional costs to healthcare come from.

Annual physicals aren't very effective at ER admission reduction (or really overall health improvement) - if anything they may drive unnecessary care via false positives. Better education around/access to primary/urgent care for sick visits, increased efficacy of chronic disease management programs (which likely means going after social determinants of health issues like co-pay support, physical access to care, access to healthy food, language barriers) would have more of an impact on the ER side of things and these are complex, long term issues to tackle.

https://www.health.harvard.edu/...hysical-201510238473
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