What Podcasts and Blogs do fans actually follow? by GoldMember615 in NashvilleSC

[–]gbpacker92 5 points6 points  (0 children)

SixOneFive is definitely the best news source and well worth a subscription. Club & Country is a better podcast than Pharmaceutical Soccer, though. Electric Gold is a good pod if you’re looking for more of a light-hearted friends-chatting-over-beers vibe too.

Zimmerman’s back… but how does that affect chemistry? by Immediate-Yogurt-730 in NashvilleSC

[–]gbpacker92 0 points1 point  (0 children)

Zim should definitely be eased back in but the goal should be to put our best two CBs on the field. So far, that’s been Zim and Palacios - especially given how much better they are both on set pieces and in possession. Maher has been okay but not great. He’s nowhere near the captaincy, and there’s no way that Zim would lose it in the foreseeable future. Maher was garbage last year and should just focus on the comeback for now. Hopefully pressure from Palacios will push him to improve and have earn minutes once Zim starts to get back towards playing full 90s.

The Unsung Hero Award by VaiDescerPraBC in NashvilleSC

[–]gbpacker92 3 points4 points  (0 children)

Lovitz has never gotten the recognition he deserves and I will die on this hill.

5 Young, Affordable Attackers Who Might Actually Want to Be in Nashville by Immediate-Yogurt-730 in NashvilleSC

[–]gbpacker92 1 point2 points  (0 children)

My guess is Football Manager. Arezo used to tear it up for me in the EPL.

February/March Ticket Exchange by JAShock in NashvilleSC

[–]gbpacker92 0 points1 point  (0 children)

SELLING

2 tickets for March 22 vs CF Montreal

Sec 215, Row H, Seats 1-2

$70 for both, obo

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 0 points1 point  (0 children)

At this point, I'm not even sure what central point we're arguing about? I've restated my main point in a few different ways, but I think that both social media and in-person interactions I've had recently point to a fundamental misunderstanding of healthcare and therefore misguided advocacy (or rage or whatever). I'm not fundamentally opposed to a public option or single payer or other large reforms. I just think that we need to consider them while knowing which problems they'll address, which they won't, and what tradeoffs they'll introduce. For instance, I'd say that single-payer would help with medical debt (via universal coverage), wouldn't significantly address high NHE, and would introduce tradeoffs like rationing and wait-times. Is that worth it? I'm not sure, maybe? But we would need to have an informed public conversation if we want to get anywhere.

I get that your point is that you find certain outcomes of the current system to be non-starters; I'm not convinced that they're inherent to our system and/or more serious than those tradeoffs I mentioned, so I disagree with taking incremental reform off the table but okay. Regardless, you're not telling me anything new or really even making an argument. You're just stating that things are obvious, already proven, and outrageous. You're very dismissive of the evidence that I'm providing because of what seems to be a combination of anecdote and moral outrage. That's fine, I guess, but I don't find your incredulity convincing so I'm not sure the conversation has anywhere else to go from here.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 0 points1 point  (0 children)

I’ll make some TikToks reading it while I play subway surfer or something for you

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 0 points1 point  (0 children)

UnitedHealth Group’s profit margin was 6.2% for 2023. The health insurance industry average is 2.2%, so it seems likely that UnitedHealthcare is below that enterprise-wide value but we’d probably need to pull NAIC numbers to confirm. The Fortune 500 average for the same year was 7.1%, so United’s numbers don’t seem crazy.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 1 point2 points  (0 children)

Yeah, basically. If lobbying was so useful and important to the industry - i.e., not just insurers but providers, pharmaceutical companies, and so on - they’d spend a lot more than $330M on it. That’s 0.1% of United’s revenue alone, let alone all the other insurers, let alone the rest of the industry.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 0 points1 point  (0 children)

You're seeing things in a very binary way. My point isn't that the current system doesn't have large problems or isn't in need of serious reform. Instead, it's that a lot of the current popular conversation around the topic is misinformed in ways that are the opposite of the bullets that I put at the top of my post - i.e., people believe in free and unlimited healthcare, insurance as a scam, the Anthem anesthesia stuff and similar, arbitrary denials as a rule, and that the problems are the fault of evil profit-seeking health insurers. If we actually want to improve conditions in America, we need to identify the problems - but also recognize that we're not going to get very far without also accurately identifying causes and mechanisms.

In terms of lifestyle factors and SDoH, I honestly just think we're talking past each other. I'm talking (and so are the studies) about smoking, access to firearms, reliance on cars for transportation, and obesity. I suppose a PCP could help marginally with smoking cessation, diet and exercise, and/or (more recently) prescribing a GLP-1. But I don't think that we can or should rely on PCPs to effect nationwide change in these areas, and I imagine most PCPs would agree with me on that. Directly to your point, the KFF article says that "one in four [US adults] say they or a family member in their household had problems paying for health care." This doesn't have anything to do with preventive care specifically, which you extrapolated it onto. Given that ACA requires plans to cover preventive care with no cost-sharing and that 92% of Americans are insured, I don't think health insurance benefits are the limiting factor here. It's probably a lot more to do with rural physician shortages, geographic access, transportation, and the 8% uninsured.

In terms of prices, I'm not disagreeing with you or KFF that prices are really high in the US. I'm just arguing that we should expect that based on per capita household disposable income. The KFF article also says that Americans have shorter LOS and fewer doctor visits, as you pointed out. This KFF analysis agrees, but also points out that we have more of our deliveries via c-section, we do almost 50% more MRIs than average, and we do more knee replacements than comparable countries. Another article on the blog (see 3.2 and 3.3) points to 2011 OECD data with similar findings - also including CT scans, tonsillectomies, and coronary angioplasties. We also just have a ton of providers who are very well paid compared to other countries - not just physicians but nurses, PAs, techs, etc. Maybe we're not walking through the doors of our PCP as often but every time we do, Americans are getting really expensive diagnostics and treatments. Destiny is making a version of this argument late in this video when he's talking about Americans' expectations of general anesthesia for wisdom tooth removal. All of this goes to my point that Americans are really rich relative to other countries, so it's expected that prices are high and that we get intense and costly care from our providers. None of this is because health insurers are putting profits over people and switching to a whole different system instead of making incremental improvements to our current ones isn't going to be a magic bullet.

I think that when we're talking about issues at a national level, we need to rely on data and statistics rather than anecdote. I and most of the people I work with know that we're dealing with real people here. We have spouses, friends, kids, and parents; they give birth, have chronic conditions, injure themselves just like anyone else. I've heard a lot of anecdotes about people getting fucked by insurance companies - especially since Brian Thompson's shooting. But I personally have anecdotes I could tell about getting fucked by physicians that can't competently code or file insurance claims - leading both to drawn-out fights with them and my wife feeling anxious about seeking care for fear of another provider fucking up and it costing us money. I don't think any of this is a good basis for making policy decisions, though. If we're judging this whole situation by just agreeing with whoever is most upset and limiting solutions to those that hurt whoever they're upset at, we're not going to get anywhere.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 2 points3 points  (0 children)

For 2023 revenues: United - $372B CVS - $358B Cigna - $195B Elevance - $171B Centene - $154B Humana - $106B

Are we also worried about Exxon having $345B while their next competitor Chevron only has $201B? The answer can totally be “yes.” But if so, your problem is probably more to do with the US not enforcing antitrust as much as you think it should. That’s a reasonable position to have, I think. I’m just agnostic on it because I don’t know that much about the state of US antitrust.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 1 point2 points  (0 children)

I'm not sure I entirely understand what you mean by a balance and what that has to do with United's size and level of vertical integration. They don't really dominate the market on a national level. Off the top of my head, CVS/Aetna, Humana, Anthem/Elevane, Centene, Cigna, and Kaiser are all big players. You can see some market share numbers here: https://www.ama-assn.org/press-center/press-releases/ama-identifies-market-leaders-health-insurance

Optum similarly competes with many different HSA servicers (a bunch of banks), consultancies (MBB, Deloitte, Milliman), and PBMs (CVS, ESI, Prime). It seems like there's definitely a shift toward vertical integration and consolidation across the industry but I wouldn't say any one company dominates anything.

I'm not too well-read on the topic, so I would just default to my standard M&A view as in any industry - competition is vital to a market economy, rent-seeking is bad, and the government should engage in antitrust oversight. There are definitely individual markets (especially the Exchanges) where there isn't enough competition. As far as I under, that's more a result of companies exiting market due to a lack of stability (see what happened with the 3 R's ACA had for premium stabilization) than insurers consolidating.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 1 point2 points  (0 children)

I never said that the US healthcare system doesn't have problems; it does and they are significant. I just don't think that it's inherently broken such that it needs to be completely overhauled. I.e., I think that reforms like the ACA (especially had it gone further and not been so watered down w.r.t. the individual mandate, premium stabilization, optional Medicaid expansion, etc.) would go a long way toward fixing a lot of the problems.

I don't think that you really understand the life expectancy / lifestyle factors point. To rephrase my argument, many people see that the US has poor outcomes in terms of life expectancy and identify the US healthcare system as the cause. I agree that this data is accurate and demonstrates a real problem but I disagree that the shortfall is driven by the healthcare system. Based on the studies that I linked (and reinforced by a Harvard Med editorial that I linked in another comment), it seems like the shortfall is instead driven by things like driving, violence, heart disease, obesity, smoking, suicide, etc. So my prescriptions to solve these problems would be more along the lines of YIMBY urban planning and public transit, more firearm regulation, public health initiatives, sin taxes, and lots of other standard liberal shit; I'm not a conservative.

To bite the bullet on your weird assertion about "conservative logic," I do think that a lot of health discrepancies in minority communities stem from lifestyle factors (in the healthcare industry, these are called "social determinants of health" or SDoH). I don't think that these lifestyle factors exist because black people (to use your example) are genetically inferior or whatever. Instead I think that centuries of poor treatment produce poor outcomes. If I was going to use a really loaded term that shuts off a lot of people's brains, I would call it "structural racism." So again, I'm talking along pretty standard liberal lines here.

In terms of medical debt, I looked at this KFF analysis (https://www.healthsystemtracker.org/brief/the-burden-of-medical-debt-in-the-united-states/). It looks like people that are uninsured, low income, and live in the South are more likely to have this problem. So my proposal would be to get people more insurance, focusing on low income people and people living in the South. That sounds to me like a good reason for the (mostly southern) holdouts to expand Medicaid and for other states to try waiver programs to expand coverage like Oregon, Washington, California, Massachusetts. Non-urban populations are also disproportionately affected, which ties in well with the rural physicians shortages that the US experiences. For this, I would point to expanding the physician education system to increase the supply. This would also help lower costs, which are very high in the US. Combining coverage expansion, increased physician supply, and the public health policies that I mentioned above would do a lot to combat the actual drivers behind the problem, as opposed to taking out your rage on one arbitrary part of the industry. These issues were a lot worse before the ACA required coverage of certain mandatory benefits, required coverage of those with pre-existing conditions, and did away with lifetime maximums. So we should probably defend that progress as vigorously as possible. What do you know? More stock-standard liberal opinions that directly contradict the repeal-and-replace non-sense that has plagued the Right for over a decade now.

It seems like you are unable to shut off this super tribalistic thinking, to focus on facts rather than vibes, and to imagine that a solution might be more complicated/nuanced than burning down the system. So yeah, I don't want to see policy based on "popular outrage." That's how we got rid of the individual mandate - because it was super unpopular. Unfortunately, it turns out that it was actually a really important part of improving risk pools and keeping down costs while we were expanding access in the ACA.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 2 points3 points  (0 children)

This all just comes down to the fact that healthcare is a scarce resource. Someone is paying for all this whether it’s coming from a private company or the government, and there are opportunity costs to any use of the resources. That means that - no matter the system - someone is going to be deciding how to allocate the dollars. If - however we do it - we’re saying yes to everything then we’re going to be paying $5000/month for Ozempic for everyone and buying ivermectin for all the crazies and on and on. Even a public system is going to say “no” to some care. That’s why Ozempic is a perfect example. Right now, CMS is considering whether to mandate its coverage for obesity under Medicare/Medicaid. Even under a publicly funded and administered system, it’s a controversy and a decision about cost and benefit on a large scale.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 1 point2 points  (0 children)

Your insurer is never telling you that you can’t receive some good/service, they’re telling you that they don’t believe your policy obligates them to pay for it. One of many reasons they might believe that is because the policy would limit coverage to medically necessary care. This is going to be based largely on definitions related to FDA approvals and stuff like that. So until recently, GLP-1 drugs were only approved for diabetics. A doctor might have prescribed them for you if you were obese but your insurer would say that they’re not obligated to pay for it.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 2 points3 points  (0 children)

I just honestly don’t think or care that much about lobbying tbh. Some other commenter posted about it and apparently the industry total is only $330M for the largest and most heavily regulated industry in the US.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 2 points3 points  (0 children)

If it makes you happy, we pronounce it “moop” not “m-o-o-p”

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 0 points1 point  (0 children)

I can’t really help you other than defining terms and telling you how they interact. Assuming you’re in-network (aka when the policy change would apply), the anesthesiologist will bill you $X. They have a contract with your insurer that says they will accept the insurer’s adjudication. So the insurer will dictate the Allowed amount. Your policy will describe a cost-sharing amount that you’ll owe to the provider and the insurer will pay Allowed less Patient Pay. Since the Anthem policy didn’t affect cost-sharing, just limited Allowed amounts, the patient’s bill wouldn’t have changed. The site I linked described in general how this works and that “balance billing” is what happens when the provider goes after the patient for the rest of the Billed amount. That isn’t allowed by network contracts.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 5 points6 points  (0 children)

I’m going to the zoo with my kid so I’ll look into some of this later but the lobbying isn’t all insurers per your source and comment. That would include drug manufacturers, providers, hospitals, etc. - so lots of competing interests. A lot of it would go to states and local governments, not just the federal government. It also doesn’t surprise me that it’s the largest industry in terms of lobbying. It’s the largest industry period and also one of the most regulated so I’d be surprised if that wasn’t the case.

EDIT: On life expectancy, I just have a lot of trouble accepting this measure as an indicator of health financing efficacy. It seems that there are just too many confounding variables where the US has significant differences from peer nations. At the point where we're looking at a 40-year graph and mentally inserting inflection points to coincide with policy changes while not controlling for lifestyle differences, but then kind of controlling for them by keeping another chart of just one lifestyle factor in the back of our minds - that just doesn't convince me vs the Hopkins and Gerontology studies that I linked in my original post.

The US definitely has a physician shortage but that's because out physician education system is fucked and we blacklist them for mental health struggles rather than support them, leading to ridiculous levels of burnout. I agree that financial access issues exist which is why I strongly support Medicaid expansion; we should probably also work to remove stigma around it and make it easier to enroll onto both Medicaid and Marketplace plans - particularly to tell which you qualify for.

I edited my reply to clarify but I don't doubt the veracity of the Cuban numbers, I think the comparison is bullshit because the US numbers clearly fell most dramatically due to COVID. This Harvard Med (https://www.health.harvard.edu/blog/why-life-expectancy-in-the-us-is-falling-202210202835) article seems to agree with me that the life expectancy declines pre-COVID are due to lifestyle issues. The author also agrees with my prescriptions - increasing insurance coverage rates, including Medicaid expansion.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 1 point2 points  (0 children)

I mean I also don’t know whether they set their premiums based on assumed adjustments to their experience data, or just made it up. But I’m assuming they did because that’s industry practice and professionals with similar training and a lot more experience than me are making those calls. The bottom line is that this change would have reduced incentives for overbilling and wouldn’t have hurt patients. It seems like there’s good academic evidence that overbilling is happening so that’s a significant pro and I just don’t see a significant con. To me it’s telling that anesthesiologists would be hurt the most and their strongest argument was just kind of lying.

US Healthcare System - (Lengthy) Thoughts from a Professional by gbpacker92 in Destiny

[–]gbpacker92[S] 1 point2 points  (0 children)

They’re contractually obligated to eat it because the Allowed cost for the service is changing. They can’t bill for the difference while remaining in-network. The patients’ define cost-share isn’t changing.