Wed
May 27 2009
11:46 am
By: R. Neal
UnitedHealth Group says rationing health care could save $500 billion.
But seriously, all this fear mongering about "rationing" under a universal health insurance program is bogus. We already have rationing. It's performed by call center cubicle workers who get paid for denying coverage and not paying claims.
|
Topics:
|
|
Discussing:
- Bravo to Michaela Barnett (3 replies)
- Federal Government sending marketing (campaign) messages? (1 reply)
- Knox SOUP Announces New Name, November 5 Community Dinner, and Call for Project Proposals (1 reply)
- Oconaluftee, Cherokee, Newfound Gap (1 reply)
- Pedestrians be careful, drivers (and pedestrians) not attentive (3 replies)
- Check and Recheck your ballot when voting (5 replies)
- Bernie Sanders vs AI (1 reply)
- SoKno discombobulation continues (2 replies)
- Execution failed!!! (3 replies)
- GOP Senator "deserves the obloquy" (2 replies)
- AI company going public says "existential risks to humanity" (2 replies)
- Michaela Barnett for Congress TN-02 (2 replies)
TN Progressive
- Blount County pausing on housing growth? (BlountViews)
- Tues., Oct. 20, 2026, Free Flu Shots at Blount County Health Dept. (BlountViews)
- View from the Overlook (Whitescreek Journal)
- Alcoa property taxes will probably not go up (BlountViews)
- Smith & Wesson not a good fit for Blount County (BlountViews)
- WATCH THIS SPACE. (Left Wing Cracker)
- America As It Is Right Now (RoaneViews)
- A friend sent this: From Captain McElwee's Tall Tales of Roane County (RoaneViews)
- The Meidas Touch (RoaneViews)
- Massive Security Breach Analysis (RoaneViews)
- (Whitescreek Journal)
- My choices in the August election (Left Wing Cracker)
TN Politics
- The collapse of GOP voters for Blackburn in TN. Two years later, and 1M fewer votes. (TN Lookout)
- GOP Congress faces funding deadline, farm bill, lengthy to-do list in year-end session (TN Lookout)
- Mastermind of immigration crackdown Stephen Miller named Trump chief of staff (TN Lookout)
- Commentary: Good wasn’t good enough: what Tennessee’s election results are trying to tell us (TN Lookout)
- Stockard on the Stump: Blackburn camp nearly wrote losing playbook (TN Lookout)
- Following midterm landslide, Democrats pressed by supporters to deliver on promises (TN Lookout)
Knox TN Today
- Matter of fact: Tennessee just doesn’t lose to Kentucky (Knox TN Today)
- Marine Lt. Col. (retired) David McMillan: He’s back at Knox County Rescue (Knox TN Today)
- Game Ball: Don Grogan wins again as readers edge writers in Tennessee-Kentucky contest (Knox TN Today)
- Youth Scoop: Young leaders get a seat at the table, plus family fun ahead (Knox TN Today)
- Monday Connections: Honoring veterans, helping neighbors and connecting our community (Knox TN Today)
- Meet Anna: Monday’s Parent-A-Child (Knox TN Today)
- Little History Lessons: Big discoveries for little learners (Knox TN Today)
- Knoxville ICE ‘resistor’ takes plea deal (Knox TN Today)
- New thumb implant offers another option for arthritis patients at TOA (Knox TN Today)
- On the Grow: Knox County real estate documents for October (Knox TN Today)
- Mission Monday: CAC Senior Angel Tree seeks holiday donations (Knox TN Today)
- Tennessee knocks out Kentucky, 34-6 (Knox TN Today)
Local TV News
- One dead after crash involving coal truck in Harlan County (WATE)
- Powell student struck by car, sheriff's office asks for public's help finding driver (WATE)
- US District Court opens the door for religious group seeking to establish religious charter school in Knoxville (WATE)
- Senior Judge D. Kelly Thomas Jr. appointed to replace Judge Scott Green (WATE)
- Knoxville Opera concert with US Army Chorus held to honor veterans (WATE)
- Knoxville Mayor's Youth Council hosts forum to break down local government misconceptions (WATE)
News Sentinel
State News
- Copperhill restores some water service; boil-water advisory remains - Chattanooga Times Free Press (Times Free Press)
- Photos: UTC Homecoming King and Queen - Chattanooga Times Free Press (Times Free Press)
- ‘We checked the final box’: Chattanooga FC wins MLS Next Pro Cup championship - Chattanooga Times Free Press (Times Free Press)
- Learning the sky one night at a time - Chattanooga Times Free Press (Times Free Press)
Wire Reports
- Midterm elections latest: Key GOP congressman sees House approval of Hegseth impeachment ‘far more likely’ - CNN (US News)
- Stock market today: Dow, S&P 500, Nasdaq rise with Nvidia stock, AI trade in focus - Yahoo Finance (Business)
- Eli Lilly’s Foundayo obesity pill eases sleep apnea in late-stage trial, paving way for approval - CNBC (Business)
- Jensen Huang Hired a PR Firm Known for Handling Sex Scandals Last Year - WIRED (Business)
- Goodyear Tire CEO Mark Stewart steps down as company continues turnaround plan - CNBC (Business)
- Boycott and Counterprotest Over Jewish Eateries Stir Tension in Philadelphia - The New York Times (US News)
- Live Updates: Trump says he sees no reason to escalate war with Iran, touts his long-term goals in the conflict - CBS News (US News)
- Poppi founders look to disrupt hydration market with new electrolyte drink - Fox Business (Business)
- Restaurant chains refocus on food quality to bring back diners - CNBC (Business)
- Cruise Ship Worker Rescued in Pacific Ocean Off California Coast After Going Overboard - The New York Times (US News)
- A.I.-Generated Celebrity Ads Get an Assist From Terry Crews - The New York Times (Business)
- ‘Russ Vought’s gonna meet his match’: What Murkowski’s potential promotion means for the White House - Politico (US News)
- Hakeem Jeffries has a choice to make: Will he work with Trump? - Politico (US News)
- Crédit Agricole Proposes Merger of Italian Business With Banco BPM - WSJ (Business)
- Trump says he was ‘kidding’ about Dana White for press secretary - The Hill (US News)
Local Media
Lost Medicaid Funding
To date, the failure to expand Medicaid/TennCare has cost the State of Tennessee ? in lost federal funding. (Source)
Search and Archives
TN Progressive
Nearby:
- Blount Dems
- Herston TN Family Law
- Inside of Knoxville
- Instapundit
- Jack Lail
- Jim Stovall
- Knox Dems
- MoxCarm Blue Streak
- Outdoor Knoxville
- Pittman Properties
- Reality Me
- Stop Alcoa Parkway
Beyond:
- Nashville Scene
- Nashville Post
- Smart City Memphis
- TN Dems
- TN Journal
- TN Lookout
- Bob Stepno
- Facing South

call centers...
It has been over 15 years since I worked at an insurance company call center and even then, I was not on the front line of "Utilization Review". I started out in Case Management handling long term, catastrophic, and terminal care cases (think 1990's and HIV/AIDS and you will know how I really burned out doing this). Eventually I ended up writing policy and procedures for the world of "managed care".
It was all about rationing care and making everyone jump through hoops to get what they wanted. Most of the requests were legitimate, some were bogus. Many times I educated the family on how to be the real case manager, having to explain my job was to save the insurance company money "while offering you the best possible choices covered under your insurance and saving your lifetime benefits." I explained the "magic words" that would open doors, how to use the state insurance commission to your advantage, and how to creatively lie to get what you needed. (I am so glad this was before the calls were monitored!)
Exactly Correct Randy
We already have rationing.
Done by bean counters.
I've got an idea of how to save even more money with no rationing and health care for all!
Let's get rid of these overpaid executives, their lobbyists, their advertising, and all other unnecessary overhead and just use universal single payer health insurance instead!
Of course, these overpaid old white men executives can still opt to pay for boob jobs for their little trophy whores, no problems, if only they still had jobs killing people for profit.
IOW, let's ration their greedy little asses right out of a job.
"If ignorance is bliss, why aren't more people happy?"
The 45 to 50 million uninsured citizens is rationing too...
Not just in access to health coverage but even emergency treatment becomes a crapshoot of indigent care facilities.
In some extreme cases, uninsured patients with expensive injuries or illnesses are just dumped on the street.
That's rationing... American Style.
"Make the Republicans own
"Make the Republicans own the status quo, and remind people just how scary the status quo is – even for people who have health insurance." - Paul Begala, COUNTERING REPUBLICAN ORWELLIAN RHETORIC ON
HEALTH CARE. You have now received the memo. Thanks, politico.com for posting it.
Okay.
I've got honest questions about this outrageously complex issue, of which I don't have very deep knowledge. Mock my ignorance if you want to, but please don't accuse me of being a troll. Not in this post anyway.
I'm Republicanesque, so I'll own it: the status quo sucks 'rhoids. It's not the "free market" that so many "conservatives" seem to believe it is. In fact, healthcare insurance is one of the most heavily-regulated industries there is. And it is scary, unless you're so rich that you're only scared of God. Healthcare insurance is purely a mockery of free markets, and I don't understand why so-called conservatives don't seem to notice that.
At the same time, the healthcare industry in the US encompasses a lot of stuff besides insurance. Advances in med tech and pharma come about because of investment and innovation, which deliver some pretty staggering benefits if you can afford them. We all know at least something about what these benefits are, I assume. I also assume that when we talk about access to healthcare as a basic human right, we mean that people should have access to all of the results of this investment and innovation. I don't see how healthcare access can be construed as a "right," but I know lots of people start there.
The questions all of this leads to seem obvious.
Who is going to pay for the exercise of this basic human right? The progressive answer ultimately devolves to some version of single-payer insurance operated by the Federal Government. There may be stages along the way to that, but it seems that that's the logical destination. For a lot of people, it sure seems to be the preferred one.
Why do single-payer advocates think this will necessarily improve healthcare delivery? I understand that it would open up access to healthcare for a very large number of people who currently don't have it, and whether you think of this as an issue of basic human rights or not, that's a very good thing. But what makes you think that the government people who run the single-payer system will not engage in the same kind of rationing, inefficiencies, and downright stupidity that private insurors inflict? If it becomes that kind of monster, how do you fix it? With the same ease with which you'd fix the Federal Income Tax Code?
I think that a single payer system has at least the potential to be an improvement over the status quo, but it also seems to offer huge potential for some pretty serious problems. I do not see as especially problematic forcing private insurers to compete with something outside themselves that would make them really act like they're subject to free market forces. But I also would like to see whatever happens fulfill a worthwhile objective affordably, and not just replace one difficult-to-navigate system with an incomprehensible morass.
I've got honest questions
I've got honest questions about this outrageously complex issue
Thank you for a thoughtful post. This is the sort of conversation we should be having about this issue.
I agree with you that health care is not a right, and we certainly can not afford to give everybody access to every available procedure. I think it helps to break health and medicine down into three categories: physical injuries, infections and conditions.
It makes good sense for everyone to have unfettered access to treatment for infections since they are usually contagious. I would rather Taco Bell pay a sick employee to stay home than have them handing bag after bag through the drive-through window, but since they don't pay for my antibiotics, time or doctor visit, they may not see it that way. That is one of several places where market ideology breaks down in this complex issue.
I think we should also pay for physical injuries, including heart attacks and the like, through our government, not because it is a right, but because it best serves the common good to treat such misfortune as a shared risk.
The third category, conditions, is where things get tough. Some conditions are a misfortune of genetics, others simply signs of aging, poor diet or inactivity. The cold mathematics says that expensive procedures become cost prohibitive beyond a certain age. Disabilities can limit or preclude a person from having an income to tax. Does that mean we should not pay for their care? Emotionally, everyone wants to say no, but economically it may be best to keep such expenses private and discretionary.
Regular preventive care helps minimize the costs of conditions and infections, so it is probably best worked into a public health plan.
Regulations covering health care will clearly exceed the tax code in complexity, but under the current system, we have not just complicated rules, but dozens of sets of complicated rules. Most hospitals and doctors agree that a single payer with one set of rules would drastically reduce administrative overhead.
Hmmm.... Interesting
Hmmm....
Interesting breakdown of healthcare needs.
I can't tell. Are "Conditions" where money is going to be saved?
Are "Conditions" where money
Are "Conditions" where money is going to be saved?
No way. They are the swamp.
Savings will come mostly from non-medical areas -- lower overhead from trying to sort through dozens of different insurers rules and protocols, lower overhead trying to collect from uninsured patients, etc. Savings in the care-giving arena would come mainly from preventive care.
I think a public health plan should be solid on injuries, infections and preventive care and stingy on "conditions," with supplemental private policies to broaden coverage in the more discretionary realm. In other words, if you can afford premiums on the current scale, you can guarantee yourself top-of-the-line treatment if you develop cancer, heart conditions, etc. If not, you may need to settle for stabilizing care.
To me, the goal of reform is not so much to make everyone as healthy as possible, but to preclude the slide toward homelessness and unemployment that can accompany major health events. Once we have a functional, humane system in place we can work on making it more comprehensive. Based on what I've read from physicians groups and others better informed than I, the reduced overhead from adopting a single-payer plan is potentially so huge that what I'm calling "stingy" could actually be rather generous.
Bobby, excellent questions,
Bobby, excellent questions, and hopefully ignorance mocking and troll bashing are going out of style anyway. There's just too much work to be done these days.
The Office of Science and Technology Policy's Open Government Initiative held a public online brainstorming session this past week at http://opengov.ideascale.com/ There I ran across a link someone posted to an excellent blog post entitled "The Supposed Difficulties of Converting to Single-Payer" where Dr. Joel A. Harrison does a good job of dissecting the arguments against a single-payer system. I highly recommend reading all of it, but Dr. Harrison sums up the bottom line as:
Many other modern industrialized nations have managed to develop some form of universal non-profit health care system with most offering comprehensive cost-effective quality care, often with far less wait than here, patient choice of doctors and hospitals, and at a lower cost.
Gradualism, given all of the above, is just a code word for keeping the unearned, disruptive, counterproductive profits of a dysfunctional fragmented for-profit health care industry that never should have been allowed to come into being in the first place (a recent phenomenon even in the U.S. basically starting in the 1980s).