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	<title>Comments on: Poor Benefits Situation in the US Stiffles Innovation</title>
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	<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/</link>
	<description>Rethinking how people and businesses interact</description>
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		<title>By: Do Employers Hold Any Answers In Health Care? &#124; HRM Today</title>
		<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/comment-page-1/#comment-2989</link>
		<dc:creator>Do Employers Hold Any Answers In Health Care? &#124; HRM Today</dc:creator>
		<pubDate>Tue, 23 Feb 2010 22:23:23 +0000</pubDate>
		<guid isPermaLink="false">http://www.yourhrguy.com/?p=412#comment-2989</guid>
		<description>[...] you are new here, you might want to subscribe to the RSS feed for updates on HR topics.I’ve been vocally frustrated on this blog about the health care situation in the US for almost 18 months now. I’ve been personally frustrated for longer. As much of the [...]</description>
		<content:encoded><![CDATA[<p>[...] you are new here, you might want to subscribe to the RSS feed for updates on HR topics.I’ve been vocally frustrated on this blog about the health care situation in the US for almost 18 months now. I’ve been personally frustrated for longer. As much of the [...]</p>
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		<title>By: Do Employers Hold Any Answers In Health Care? &#124; Rehaul by Lance Haun</title>
		<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/comment-page-1/#comment-2976</link>
		<dc:creator>Do Employers Hold Any Answers In Health Care? &#124; Rehaul by Lance Haun</dc:creator>
		<pubDate>Mon, 22 Feb 2010 14:31:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.yourhrguy.com/?p=412#comment-2976</guid>
		<description>[...] are new here, you might want to subscribe to the RSS feed for updates on this topic.I&#8217;ve been vocally frustrated on this blog about the health care situation in the US for almost 18 months now. I&#8217;ve been personally frustrated for longer. As much of [...]</description>
		<content:encoded><![CDATA[<p>[...] are new here, you might want to subscribe to the RSS feed for updates on this topic.I&#8217;ve been vocally frustrated on this blog about the health care situation in the US for almost 18 months now. I&#8217;ve been personally frustrated for longer. As much of [...]</p>
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		<title>By: HRalphafemme</title>
		<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/comment-page-1/#comment-834</link>
		<dc:creator>HRalphafemme</dc:creator>
		<pubDate>Thu, 25 Sep 2008 03:59:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.yourhrguy.com/?p=412#comment-834</guid>
		<description>http://www.msnbc.msn.com/id/26794291/

This is a pretty decent and objective piece of journalistic work from what I can tellâ€¦ but I think itâ€™s worth reading the contrast between health care in the US vs. the UK, regardless of political affiliation or whether or not you are for or against socialized health care.  While most people agree that our health care system isnâ€™t perfect and needs work â€“ as it is with a lot of politics, people take the word of the media and politicians and fail to do their own research on what is truly a realistic and manageable solution.

There are a lot of people who it seems are FOR socialized health care but donâ€™t really understand what it is or the implications of it â€“ especially given that we are in a capitalistic society and the one major socialized program we have is failing (social security) and Medicare is ringing up something like a $450 billion price tag? Hello? Obama&#039;s $50 mil plan just ain&#039;t gonna cut it and WORK.

Lets face it â€“ a lot of people donâ€™t know all the ins and outs of how to use their health care correctly to get the best bang for the buck and of course, effectively managing claims â€“ not to mention all of the legal issues with HIPAA (good luck with that if we go socialized)â€¦. I am personally scared to death of a Presidential attempt to socialize our healthcare.

Do your own research â€“ they shouldn&#039;t take my word or yours (even though we speak from experience of managing plans). Talk to people who live in Canada and the UK and just ask them what their opinions are? Ask them how they or their relatives fare out when they have major afflictions, such as cancerâ€¦ and see if Michael Moore can sway their opinion that it is okay to be put on a waiting list to even be able to receive ANY major treatmentâ€¦ and good luck if you need surgery SOONâ€¦

As a society, we have created our own problems with health care here in that we have created an entitlement attitude with people in regards to health care.

1) As Valerie pointed out - thanks to HMO&#039;s and employer sponsored health plans in general - We assume that our employer will provide at no cost or minimal cost - and unlike what the journalist says in this article â€“ a lot of people have operated under the assumption that since itâ€™s there (and maybe Iâ€™m paying a premium, maybe not) that they are going to use it â€“ sometimes even when they donâ€™t have to.  Therefore we get name brand drugs just because we have a low co-pay and donâ€™t understand the true cost of those drugs can sometimes be hundreds to even THOUSANDS of dollars difference to the cost of the health plan.

We also go to the doctor (or the ER or Urgent Care) every time a child coughs because theyâ€™d rather be safe than sorry rather than just calling the nurse or nurseâ€™s hotline (which most people donâ€™t know existâ€¦ most hospital networks AND insurance companies maintain a *FREE* 800 number for you to call with symptoms to determine whether or not you need to even go to the doctor and the good thing is, they will also tell you when your condition IS an emergency so that you donâ€™t put off treatment as well as tell you appropriate HOME treatment if you donâ€™t need to go).

2) We have pharmaceutical companies that advertise new name brand drugs with minimal information and somehow manage to elicit a tear jerk response (i.e. emotion) similar to that of the old Folgers commercials (everyone say â€œawwwwwâ€) and encourage you to â€œgo see your doctor and ask for our new drugâ€ so next time you go see doc, you ask about the drug, he asks if you have insurance and you say, â€œwhy yes I doâ€ he writes you the prescription, you pay a $30 - $50 co-pay and off you goâ€¦. Never seeing the huge expense to the cost of the employer paid insurance plan that can and often does total thousands of dollars, especially if itâ€™s a drug that you get month after month.

I know I&#039;m totally over-stating the obvious (to some) but we all agree the system is broken, but perhaps instead of just looking at antiquated models in socialized markets - we should do a good old fashioned needs analysis, look at the ROOT problems and try to resolve the problem itself vs. taking the Clinton/Obama band-aid approach and treating the symptoms...

Pun and irony completed intended.

But if hybrid is the best we can do, that&#039;s my vote...</description>
		<content:encoded><![CDATA[<p><a href="http://www.msnbc.msn.com/id/26794291/" rel="nofollow">http://www.msnbc.msn.com/id/26794291/</a></p>
<p>This is a pretty decent and objective piece of journalistic work from what I can tellâ€¦ but I think itâ€™s worth reading the contrast between health care in the US vs. the UK, regardless of political affiliation or whether or not you are for or against socialized health care.  While most people agree that our health care system isnâ€™t perfect and needs work â€“ as it is with a lot of politics, people take the word of the media and politicians and fail to do their own research on what is truly a realistic and manageable solution.</p>
<p>There are a lot of people who it seems are FOR socialized health care but donâ€™t really understand what it is or the implications of it â€“ especially given that we are in a capitalistic society and the one major socialized program we have is failing (social security) and Medicare is ringing up something like a $450 billion price tag? Hello? Obama&#8217;s $50 mil plan just ain&#8217;t gonna cut it and WORK.</p>
<p>Lets face it â€“ a lot of people donâ€™t know all the ins and outs of how to use their health care correctly to get the best bang for the buck and of course, effectively managing claims â€“ not to mention all of the legal issues with HIPAA (good luck with that if we go socialized)â€¦. I am personally scared to death of a Presidential attempt to socialize our healthcare.</p>
<p>Do your own research â€“ they shouldn&#8217;t take my word or yours (even though we speak from experience of managing plans). Talk to people who live in Canada and the UK and just ask them what their opinions are? Ask them how they or their relatives fare out when they have major afflictions, such as cancerâ€¦ and see if Michael Moore can sway their opinion that it is okay to be put on a waiting list to even be able to receive ANY major treatmentâ€¦ and good luck if you need surgery SOONâ€¦</p>
<p>As a society, we have created our own problems with health care here in that we have created an entitlement attitude with people in regards to health care.</p>
<p>1) As Valerie pointed out &#8211; thanks to HMO&#8217;s and employer sponsored health plans in general &#8211; We assume that our employer will provide at no cost or minimal cost &#8211; and unlike what the journalist says in this article â€“ a lot of people have operated under the assumption that since itâ€™s there (and maybe Iâ€™m paying a premium, maybe not) that they are going to use it â€“ sometimes even when they donâ€™t have to.  Therefore we get name brand drugs just because we have a low co-pay and donâ€™t understand the true cost of those drugs can sometimes be hundreds to even THOUSANDS of dollars difference to the cost of the health plan.</p>
<p>We also go to the doctor (or the ER or Urgent Care) every time a child coughs because theyâ€™d rather be safe than sorry rather than just calling the nurse or nurseâ€™s hotline (which most people donâ€™t know existâ€¦ most hospital networks AND insurance companies maintain a *FREE* 800 number for you to call with symptoms to determine whether or not you need to even go to the doctor and the good thing is, they will also tell you when your condition IS an emergency so that you donâ€™t put off treatment as well as tell you appropriate HOME treatment if you donâ€™t need to go).</p>
<p>2) We have pharmaceutical companies that advertise new name brand drugs with minimal information and somehow manage to elicit a tear jerk response (i.e. emotion) similar to that of the old Folgers commercials (everyone say â€œawwwwwâ€) and encourage you to â€œgo see your doctor and ask for our new drugâ€ so next time you go see doc, you ask about the drug, he asks if you have insurance and you say, â€œwhy yes I doâ€ he writes you the prescription, you pay a $30 &#8211; $50 co-pay and off you goâ€¦. Never seeing the huge expense to the cost of the employer paid insurance plan that can and often does total thousands of dollars, especially if itâ€™s a drug that you get month after month.</p>
<p>I know I&#8217;m totally over-stating the obvious (to some) but we all agree the system is broken, but perhaps instead of just looking at antiquated models in socialized markets &#8211; we should do a good old fashioned needs analysis, look at the ROOT problems and try to resolve the problem itself vs. taking the Clinton/Obama band-aid approach and treating the symptoms&#8230;</p>
<p>Pun and irony completed intended.</p>
<p>But if hybrid is the best we can do, that&#8217;s my vote&#8230;</p>
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		<title>By: Lance Haun</title>
		<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/comment-page-1/#comment-833</link>
		<dc:creator>Lance Haun</dc:creator>
		<pubDate>Tue, 23 Sep 2008 23:09:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.yourhrguy.com/?p=412#comment-833</guid>
		<description>@Michael - I think you&#039;re right.

@Valerie - I think I mainly agree with you. I am partial to consumer driven health care for that purpose. That and to get it out of the hands of employers.

@SA - I think you unintentionally brought up the opposite of my argument. Whenever someone says that the current system is broken and needs to be changed, people automatically assume single payer health care. I would rate that fourth on my list of preferences (right above &quot;doing nothing&quot;). I think there are better ways to cover more people and give them choice/accountability.</description>
		<content:encoded><![CDATA[<p>@Michael &#8211; I think you&#8217;re right.</p>
<p>@Valerie &#8211; I think I mainly agree with you. I am partial to consumer driven health care for that purpose. That and to get it out of the hands of employers.</p>
<p>@SA &#8211; I think you unintentionally brought up the opposite of my argument. Whenever someone says that the current system is broken and needs to be changed, people automatically assume single payer health care. I would rate that fourth on my list of preferences (right above &#8220;doing nothing&#8221;). I think there are better ways to cover more people and give them choice/accountability.</p>
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		<title>By: sa</title>
		<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/comment-page-1/#comment-832</link>
		<dc:creator>sa</dc:creator>
		<pubDate>Tue, 23 Sep 2008 22:44:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.yourhrguy.com/?p=412#comment-832</guid>
		<description>I am very pro-business.  I&#039;ve worked in corporate America over 25 years.

I&#039;m also in favor of universal healthcare.  We&#039;re the only industrialized nation in the world without it.  Those countries that have it (all 1st world countries) have shown that government-sponsored healthcare can and does work.  In fact most,if not all, of those countries have a higher life expectancy and lower infant mortality rate than we do without spending as much.  We are definitely not getting the best bang for our buck.

Plus, universal healthcare would take the burden off of businesses to pay the brunt of the premiums.

This is a major area where the U.S. is certainly not leading the way as the model to emulate.  We should be ashamed.</description>
		<content:encoded><![CDATA[<p>I am very pro-business.  I&#8217;ve worked in corporate America over 25 years.</p>
<p>I&#8217;m also in favor of universal healthcare.  We&#8217;re the only industrialized nation in the world without it.  Those countries that have it (all 1st world countries) have shown that government-sponsored healthcare can and does work.  In fact most,if not all, of those countries have a higher life expectancy and lower infant mortality rate than we do without spending as much.  We are definitely not getting the best bang for our buck.</p>
<p>Plus, universal healthcare would take the burden off of businesses to pay the brunt of the premiums.</p>
<p>This is a major area where the U.S. is certainly not leading the way as the model to emulate.  We should be ashamed.</p>
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		<title>By: Valerie Gieseke</title>
		<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/comment-page-1/#comment-831</link>
		<dc:creator>Valerie Gieseke</dc:creator>
		<pubDate>Tue, 23 Sep 2008 21:39:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.yourhrguy.com/?p=412#comment-831</guid>
		<description>Whatever changes we make, we simply have to get people to the point where they equate personal choices with their health care costs.  The &quot;all you can eat for $10&quot; HMO mentality has created a mindset of learned helplessness that has been terrible both for our health care system and our individual health.

Until Americans step up in the areas of weight management, stress management, and smoking, our health care costs will continue to skyrocket.  This will happen no matter who is paying for the costs.

I wonder if high deductible health plans that pinch the individual&#039;s pocketbook substantially will help.  After all, if my doctor tells me if I drop 50 pounds my diabetes will go away and I&#039;m paying $3,000 a year out of pocket to treat my diabetes, there&#039;s a huge incentive there for me to undertake the incredibly difficult task of dropping 50 pounds.  Right now there is little financial incentive for a large sector of our population who is covered by HMOs, copay-based PPOs and the like to manage their health properly.</description>
		<content:encoded><![CDATA[<p>Whatever changes we make, we simply have to get people to the point where they equate personal choices with their health care costs.  The &#8220;all you can eat for $10&#8243; HMO mentality has created a mindset of learned helplessness that has been terrible both for our health care system and our individual health.</p>
<p>Until Americans step up in the areas of weight management, stress management, and smoking, our health care costs will continue to skyrocket.  This will happen no matter who is paying for the costs.</p>
<p>I wonder if high deductible health plans that pinch the individual&#8217;s pocketbook substantially will help.  After all, if my doctor tells me if I drop 50 pounds my diabetes will go away and I&#8217;m paying $3,000 a year out of pocket to treat my diabetes, there&#8217;s a huge incentive there for me to undertake the incredibly difficult task of dropping 50 pounds.  Right now there is little financial incentive for a large sector of our population who is covered by HMOs, copay-based PPOs and the like to manage their health properly.</p>
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		<title>By: Michael Haberman, SPHR</title>
		<link>http://rehaul.com/poor-benefits-situation-in-the-us-stiffles-innovation/comment-page-1/#comment-830</link>
		<dc:creator>Michael Haberman, SPHR</dc:creator>
		<pubDate>Tue, 23 Sep 2008 15:54:10 +0000</pubDate>
		<guid isPermaLink="false">http://www.yourhrguy.com/?p=412#comment-830</guid>
		<description>It is going to have to be some sort of hybrid system. The current one is broken, with many to blame for that, including us as individuals. Government run healthcare is not going to work, too many examples of that having failed to ever make me believe otherwise.</description>
		<content:encoded><![CDATA[<p>It is going to have to be some sort of hybrid system. The current one is broken, with many to blame for that, including us as individuals. Government run healthcare is not going to work, too many examples of that having failed to ever make me believe otherwise.</p>
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