<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments on: The Penny Drops</title>
	<atom:link href="http://www.noquarterusa.net/blog/30042/the-penny-drops/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/</link>
	<description></description>
	<lastBuildDate>Sun, 27 May 2012 07:03:00 +0000</lastBuildDate>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.0.4</generator>
	<item>
		<title>By: Ellen D</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1243272</link>
		<dc:creator>Ellen D</dc:creator>
		<pubDate>Thu, 13 Aug 2009 19:35:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1243272</guid>
		<description>Interesting ... I made a goof and called the famous Toronto cancer hospital St. Margaret&#039;s instead of Princess Margaret&#039;s Hospital. I guess there were no Canadian medical professionals here to catch it.</description>
		<content:encoded><![CDATA[<p>Interesting &#8230; I made a goof and called the famous Toronto cancer hospital St. Margaret&#8217;s instead of Princess Margaret&#8217;s Hospital. I guess there were no Canadian medical professionals here to catch it.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Newly Independent</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242955</link>
		<dc:creator>Newly Independent</dc:creator>
		<pubDate>Thu, 13 Aug 2009 00:13:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242955</guid>
		<description>LOL @ &quot;Embalmacare&quot;!!</description>
		<content:encoded><![CDATA[<p>LOL @ &#8220;Embalmacare&#8221;!!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Jules</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242932</link>
		<dc:creator>Jules</dc:creator>
		<pubDate>Wed, 12 Aug 2009 22:57:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242932</guid>
		<description>This sounds like generalities and stereotypes to me so I have to admit that no, I&#039;m not convinced.  Plus it is the exact opposite of my personal experience.  I can say with certainty that there were NO employees at my workkplaces whose job description involved denying care and that is just a fact.  I knew all the claims adjusters and no one was pressured to deny claims and no one was given a bonus based on doing so.  I also knew the board certified doctors and nurses on the appeal panels and sat in on these panels myself (so no they were not gum-chewing teenagers as some people like to say).  I witnessed these people trying to figure out how to cover claims FOR people based on the contract.  Everything was very strict due to steep fines that could be imposed by the Department of Insurance for not following the contract to the letter.  You may underestimate the control the states already have over health insurers.  It is FAR from being unregulated.

Also, since I obviously do not know you, and therefore could not vouch for the accuracy of your research or capabilities to do mathematical analysis, I cannot say I have been persuaded.  However, I remain open to actual facts that can be backed up and am always open to changing my mind if someone gives me enough facts to do so.  Suggesting we count claims adjuster and other salaries into profit is kind of a weird thing to do, so this does make me question your accounting skills.  I get where you&#039;re going if the officers of the company have inflated salaries, but the rest, not so much.

You also say &quot;isn’t any profit made on the suffering of others, obscene?&quot;  I guess you could say that if you accept the premise that profit is being made off of suffering, which I don&#039;t.</description>
		<content:encoded><![CDATA[<p>This sounds like generalities and stereotypes to me so I have to admit that no, I&#8217;m not convinced.  Plus it is the exact opposite of my personal experience.  I can say with certainty that there were NO employees at my workkplaces whose job description involved denying care and that is just a fact.  I knew all the claims adjusters and no one was pressured to deny claims and no one was given a bonus based on doing so.  I also knew the board certified doctors and nurses on the appeal panels and sat in on these panels myself (so no they were not gum-chewing teenagers as some people like to say).  I witnessed these people trying to figure out how to cover claims FOR people based on the contract.  Everything was very strict due to steep fines that could be imposed by the Department of Insurance for not following the contract to the letter.  You may underestimate the control the states already have over health insurers.  It is FAR from being unregulated.</p>
<p>Also, since I obviously do not know you, and therefore could not vouch for the accuracy of your research or capabilities to do mathematical analysis, I cannot say I have been persuaded.  However, I remain open to actual facts that can be backed up and am always open to changing my mind if someone gives me enough facts to do so.  Suggesting we count claims adjuster and other salaries into profit is kind of a weird thing to do, so this does make me question your accounting skills.  I get where you&#8217;re going if the officers of the company have inflated salaries, but the rest, not so much.</p>
<p>You also say &#8220;isn’t any profit made on the suffering of others, obscene?&#8221;  I guess you could say that if you accept the premise that profit is being made off of suffering, which I don&#8217;t.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Ellen D</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242931</link>
		<dc:creator>Ellen D</dc:creator>
		<pubDate>Wed, 12 Aug 2009 22:52:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242931</guid>
		<description>Hi pyjama, fellow Canuck. 
 I realize Canada is a big place as well as the U.S. and the systems are administered by the Provinces so nothing is homogenous. 
My experience in Canada is that waiting time for something like a sore throat is far less than the waiting time I have had to wait here in doctors offices.
My dad had cancer in Canada and was rushed right into treatment at St Margaret&#039;s Hospital and he was in his seventies

I AM being honest about my experiences - why would I not be? Let me know yours if you work in medical in Canada.</description>
		<content:encoded><![CDATA[<p>Hi pyjama, fellow Canuck.<br />
 I realize Canada is a big place as well as the U.S. and the systems are administered by the Provinces so nothing is homogenous.<br />
My experience in Canada is that waiting time for something like a sore throat is far less than the waiting time I have had to wait here in doctors offices.<br />
My dad had cancer in Canada and was rushed right into treatment at St Margaret&#8217;s Hospital and he was in his seventies</p>
<p>I AM being honest about my experiences &#8211; why would I not be? Let me know yours if you work in medical in Canada.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: pyjama</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242693</link>
		<dc:creator>pyjama</dc:creator>
		<pubDate>Wed, 12 Aug 2009 16:28:44 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242693</guid>
		<description>Ellen,

I am also a fellow Canadian and have worked in the medical system for several decades.  Please be honest.

The Canadian system has universality, but everybody pays for it and that is O.K. if you have to wait 3 hrs. to be seen for a sore throat.  It&#039;s another matter when you are young with cancer and have to wait.  You&#039;re life is on the line.  That&#039;s the difference.</description>
		<content:encoded><![CDATA[<p>Ellen,</p>
<p>I am also a fellow Canadian and have worked in the medical system for several decades.  Please be honest.</p>
<p>The Canadian system has universality, but everybody pays for it and that is O.K. if you have to wait 3 hrs. to be seen for a sore throat.  It&#8217;s another matter when you are young with cancer and have to wait.  You&#8217;re life is on the line.  That&#8217;s the difference.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: I'm a Linda too</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242658</link>
		<dc:creator>I'm a Linda too</dc:creator>
		<pubDate>Wed, 12 Aug 2009 15:44:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242658</guid>
		<description>Excellent post.  Thank you.

...I&#039;ve been calling and writing my Congress Critters, but they are only interested in politics.

Look at some of the crap I get from them, Myth&#039;s and facts email&#039;s.

&lt;blockquote&gt; &lt;strong&gt; MYTH:&lt;/strong&gt;  Congress will not be forced to accept the public health insurance plan that they will force on everybody else.  &lt;strong&gt;FACT:&lt;/strong&gt; One thing Barack Obama and I want to do is to give Americans and small businesses the ability to buy into a plan like the one I have.&quot; &lt;/blockquote&gt;

Isn&#039;t that amzing?  And he confirms his own &quot;myth&quot; with his reply.

How far these Democrats have fallen.</description>
		<content:encoded><![CDATA[<p>Excellent post.  Thank you.</p>
<p>&#8230;I&#8217;ve been calling and writing my Congress Critters, but they are only interested in politics.</p>
<p>Look at some of the crap I get from them, Myth&#8217;s and facts email&#8217;s.</p>
<blockquote><p> <strong> MYTH:</strong>  Congress will not be forced to accept the public health insurance plan that they will force on everybody else.  <strong>FACT:</strong> One thing Barack Obama and I want to do is to give Americans and small businesses the ability to buy into a plan like the one I have.&#8221; </p></blockquote>
<p>Isn&#8217;t that amzing?  And he confirms his own &#8220;myth&#8221; with his reply.</p>
<p>How far these Democrats have fallen.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Sonic Ninja Kitty</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242609</link>
		<dc:creator>Sonic Ninja Kitty</dc:creator>
		<pubDate>Wed, 12 Aug 2009 14:34:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242609</guid>
		<description>Craig,  Thank you very much for your responses.  So do you envision a single payer system with supplemental insurance available on the private market?

My purpose in bringing up the Constitution was to point out that it does NOT allow for the federal government to provide anything except a national defense.  They used the word PROMOTE versus the word provide for a reason: to &quot;promote&quot; means to ensure a structure by which all citizens&#039; interests can be pursued without favor of one group over another.  It is not a mandate for the federal government to be a provider.  Metaphorically, government is supposed to make the road rules but not drive any of the cars.

We have gotten so far away from this original concept that we don&#039;t even recognize the constant tyranny of government intrusion.  In this debate about health care, many people take it as a foregone conclusion that government should provide these things.  Again, with this philosophy, why stop at health care?  Food and shelter should be single payer, too.  Why are we pretending there is any difference?  There&#039;s not, and if single payer is absurd in the case of food, it logically follows that it is absurd in the case of health care.

We do agree on the lobbyist issue.  This goes back to the &#039;promote the general welfare&#039;--AS OPPOSED TO protecting the narrow interests of one group or class.  Here we have blatant and deeply embedded problems.  Why, why, why in the world would you trust any government that cannot resist the pull of special interest groups?  Single payer health care would be a lobbyist&#039;s dream--imagine having to concentrate your efforts in one place.  I&#039;m not sure where in your plan you think these guys are going to disappear.  Single payer health care will only intensify this major problem.</description>
		<content:encoded><![CDATA[<p>Craig,  Thank you very much for your responses.  So do you envision a single payer system with supplemental insurance available on the private market?</p>
<p>My purpose in bringing up the Constitution was to point out that it does NOT allow for the federal government to provide anything except a national defense.  They used the word PROMOTE versus the word provide for a reason: to &#8220;promote&#8221; means to ensure a structure by which all citizens&#8217; interests can be pursued without favor of one group over another.  It is not a mandate for the federal government to be a provider.  Metaphorically, government is supposed to make the road rules but not drive any of the cars.</p>
<p>We have gotten so far away from this original concept that we don&#8217;t even recognize the constant tyranny of government intrusion.  In this debate about health care, many people take it as a foregone conclusion that government should provide these things.  Again, with this philosophy, why stop at health care?  Food and shelter should be single payer, too.  Why are we pretending there is any difference?  There&#8217;s not, and if single payer is absurd in the case of food, it logically follows that it is absurd in the case of health care.</p>
<p>We do agree on the lobbyist issue.  This goes back to the &#8216;promote the general welfare&#8217;&#8211;AS OPPOSED TO protecting the narrow interests of one group or class.  Here we have blatant and deeply embedded problems.  Why, why, why in the world would you trust any government that cannot resist the pull of special interest groups?  Single payer health care would be a lobbyist&#8217;s dream&#8211;imagine having to concentrate your efforts in one place.  I&#8217;m not sure where in your plan you think these guys are going to disappear.  Single payer health care will only intensify this major problem.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: masslib</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242582</link>
		<dc:creator>masslib</dc:creator>
		<pubDate>Wed, 12 Aug 2009 13:36:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242582</guid>
		<description>Great post!  I keep trying to tell people the insurers and pharma are supporting this boondoggle.  It&#039;s not even health care reform, it&#039;s health finance reform.</description>
		<content:encoded><![CDATA[<p>Great post!  I keep trying to tell people the insurers and pharma are supporting this boondoggle.  It&#8217;s not even health care reform, it&#8217;s health finance reform.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Craig Della Penna</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242515</link>
		<dc:creator>Craig Della Penna</dc:creator>
		<pubDate>Wed, 12 Aug 2009 06:46:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242515</guid>
		<description>Jules:

Good questions:

Research I have done on the healthcare companies represented on the Fortune 500 over the past several years - including CIGNA, Humana, Aetna, United Heath Group, Wellpoint, etc., indicates that reported profits are always in the 2-10% range. this looks modest and does not raise too many questions. However, when you add in dividends, executive salaries, bonuses and stock options a different picture emerges. Also count in the over head involved in the hiring and maintenance of the cadres of &#039;adjusters&#039;, i.e., people hired with the specific task of finding ways to deny claims - and paid bonuses based on their success rate.
Well then, the actual profits diverted from actual healthcare rise to the 20-30% level.

You may choose to ignore these facts in the interest of &#039;private enterprise&#039; but ask yourself this: isn&#039;t &lt;i&gt;any &lt;/i&gt;profit made on the suffering of others, obscene?</description>
		<content:encoded><![CDATA[<p>Jules:</p>
<p>Good questions:</p>
<p>Research I have done on the healthcare companies represented on the Fortune 500 over the past several years &#8211; including CIGNA, Humana, Aetna, United Heath Group, Wellpoint, etc., indicates that reported profits are always in the 2-10% range. this looks modest and does not raise too many questions. However, when you add in dividends, executive salaries, bonuses and stock options a different picture emerges. Also count in the over head involved in the hiring and maintenance of the cadres of &#8216;adjusters&#8217;, i.e., people hired with the specific task of finding ways to deny claims &#8211; and paid bonuses based on their success rate.<br />
Well then, the actual profits diverted from actual healthcare rise to the 20-30% level.</p>
<p>You may choose to ignore these facts in the interest of &#8216;private enterprise&#8217; but ask yourself this: isn&#8217;t <i>any </i>profit made on the suffering of others, obscene?</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Craig Della Penna</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242511</link>
		<dc:creator>Craig Della Penna</dc:creator>
		<pubDate>Wed, 12 Aug 2009 06:33:21 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242511</guid>
		<description>SNJ:
Some very good questions. Let me take a crack at a few of them.

First, No current healthcare system anywhere is going to cover everything, all the time. The goal is to maximize coverage while minimizing costs. It is axiomatic that a publicaly funded non-profit healthcare service will serve more people for less money than a private for-profit system will. It is no secret that Americans pay far more for far less coverage than any of the industrial countries which have public healthcare - Denmark, Sweden, Norway, Finland, Germany, France, Canada, England, etc, etc.

Second, I made no reference to the constitution but since you bring it up &quot;promote the general welfare&quot; seems like a dandy rubric for public healthcare. General welfare would be server very well by public healthcare, both because it would serve more people and because it would remove the penalty of about 20% that American business suffers in competition with other industrialized countries because American business pays, in part, for healthcare that is paid by the public in those countries. 

Third, I agree that lobbyists have far too much control over healthcare, after all they wrote Obama&#039;s health insurance reform bill. I think that public healthcare would drastically reduce lobbyist influence on our healthcare system.

Last, we do have choice: we can choose to have a rational, reasonable healthcare system that maximizes the benefits for everyone or we can choose to let people whose only motivation is profits continue to control our healthcare system... and our lives. 

Remember: you get whatever you choose.</description>
		<content:encoded><![CDATA[<p>SNJ:<br />
Some very good questions. Let me take a crack at a few of them.</p>
<p>First, No current healthcare system anywhere is going to cover everything, all the time. The goal is to maximize coverage while minimizing costs. It is axiomatic that a publicaly funded non-profit healthcare service will serve more people for less money than a private for-profit system will. It is no secret that Americans pay far more for far less coverage than any of the industrial countries which have public healthcare &#8211; Denmark, Sweden, Norway, Finland, Germany, France, Canada, England, etc, etc.</p>
<p>Second, I made no reference to the constitution but since you bring it up &#8220;promote the general welfare&#8221; seems like a dandy rubric for public healthcare. General welfare would be server very well by public healthcare, both because it would serve more people and because it would remove the penalty of about 20% that American business suffers in competition with other industrialized countries because American business pays, in part, for healthcare that is paid by the public in those countries. </p>
<p>Third, I agree that lobbyists have far too much control over healthcare, after all they wrote Obama&#8217;s health insurance reform bill. I think that public healthcare would drastically reduce lobbyist influence on our healthcare system.</p>
<p>Last, we do have choice: we can choose to have a rational, reasonable healthcare system that maximizes the benefits for everyone or we can choose to let people whose only motivation is profits continue to control our healthcare system&#8230; and our lives. </p>
<p>Remember: you get whatever you choose.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: lorac</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242509</link>
		<dc:creator>lorac</dc:creator>
		<pubDate>Wed, 12 Aug 2009 06:29:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242509</guid>
		<description>And everyone, even The Brilliant One, knows what a wonk Hillary is on this stuff.  She worked SO hard on this issue - and she even did it as an unpaid wife of a President - that&#039;s how dear it (and our welfare) was to her heart.  

What a shame (though not surprising) that BO couldn&#039;t even ask to tap her brain about the healthcare issue.  Oh, that reminds me of the joke about men not asking directions, just driving all over, getting lost and not getting to the destination - yeah, that&#039;s BO.  Couldn&#039;t stoop to asking Hillary for a map!</description>
		<content:encoded><![CDATA[<p>And everyone, even The Brilliant One, knows what a wonk Hillary is on this stuff.  She worked SO hard on this issue &#8211; and she even did it as an unpaid wife of a President &#8211; that&#8217;s how dear it (and our welfare) was to her heart.  </p>
<p>What a shame (though not surprising) that BO couldn&#8217;t even ask to tap her brain about the healthcare issue.  Oh, that reminds me of the joke about men not asking directions, just driving all over, getting lost and not getting to the destination &#8211; yeah, that&#8217;s BO.  Couldn&#8217;t stoop to asking Hillary for a map!</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: lorac</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242508</link>
		<dc:creator>lorac</dc:creator>
		<pubDate>Wed, 12 Aug 2009 06:21:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242508</guid>
		<description>John, as with anything else, I suppose it depends on the ideology of the filmmakers in terms of what the finished product will represent.  

It seems to me that any system is going to do some things better than others, so I wish that we could not just compare countries, but look further into what, within that country, works well and what doesn&#039;t.  In other words, a film that doesn&#039;t just focus on the bad or just on the good, but that really looks at the whole issue and presents it fairly.</description>
		<content:encoded><![CDATA[<p>John, as with anything else, I suppose it depends on the ideology of the filmmakers in terms of what the finished product will represent.  </p>
<p>It seems to me that any system is going to do some things better than others, so I wish that we could not just compare countries, but look further into what, within that country, works well and what doesn&#8217;t.  In other words, a film that doesn&#8217;t just focus on the bad or just on the good, but that really looks at the whole issue and presents it fairly.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Ellen D</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242494</link>
		<dc:creator>Ellen D</dc:creator>
		<pubDate>Wed, 12 Aug 2009 05:27:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242494</guid>
		<description>&lt;blockquote&gt;Day long wait to be seen by an emergency doctor.&lt;/blockquote&gt;

Don&#039;t believe this stuff John, it isn&#039;t true.</description>
		<content:encoded><![CDATA[<blockquote><p>Day long wait to be seen by an emergency doctor.</p></blockquote>
<p>Don&#8217;t believe this stuff John, it isn&#8217;t true.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Ellen D</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242491</link>
		<dc:creator>Ellen D</dc:creator>
		<pubDate>Wed, 12 Aug 2009 05:21:33 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242491</guid>
		<description>&lt;blockquote&gt;and Canada that people pay up to 75% of their income for insurance?&lt;/blockquote&gt;

Not true.</description>
		<content:encoded><![CDATA[<blockquote><p>and Canada that people pay up to 75% of their income for insurance?</p></blockquote>
<p>Not true.</p>
]]></content:encoded>
	</item>
	<item>
		<title>By: Ellen D</title>
		<link>http://www.noquarterusa.net/blog/30042/the-penny-drops/#comment-1242490</link>
		<dc:creator>Ellen D</dc:creator>
		<pubDate>Wed, 12 Aug 2009 05:18:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.noquarterusa.net/blog/?p=30042#comment-1242490</guid>
		<description>Who are you Tammy? Wow - you&#039;re really rude. (That&#039;s the polite Canadian part of me coming out).
Maybe you should hang out at the town hall meetings.
Troll perhaps?</description>
		<content:encoded><![CDATA[<p>Who are you Tammy? Wow &#8211; you&#8217;re really rude. (That&#8217;s the polite Canadian part of me coming out).<br />
Maybe you should hang out at the town hall meetings.<br />
Troll perhaps?</p>
]]></content:encoded>
	</item>
</channel>
</rss>

