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View Diary: Why can't we start our OWN Public Option? (215 comments)

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  •  I'm guessing the problem is that you'll never get (3+ / 0-)
    Recommended by:
    social democrat, gmb, billybush

    enough leverage to negotiate for the lowest prices from doctors and hospitals that it would take to drive down rates.  Even if our co-op pays out 97% of premiums to medical care, it still could be undercut by a FORPROFIT that pays out 80%, if hte FORPROFIT neogiates for prices that are 30% or so lower.  Why would doctors & hospitals give us the lowest rates?  That's what this is about LEVERAGE.

    •  A public option would be more successful (3+ / 0-)
      Recommended by:
      gmb, billybush, farbuska

      because it would have more leverage.  Medical providers would be more forced to deal with the public option than some DEM party co-op.

    •  Please explain (0+ / 0-)

      You're saying that insurance companies negotiate for LOWER RATES? Since when? The second they find out you have insurance, the price goes up.

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      by deerskie on Sat Dec 19, 2009 at 08:11:57 PM PST

      [ Parent ]

      •  no, they totally do... (1+ / 0-)
        Recommended by:
        shpilk

        ...after all, the profit they make is the difference between what they charge you in premiums and what they pay out to providers.

        So they can expand profits one of two ways: increasing premiums, or paying providers less.

        The more subscribers a plan has, the more that providers want to be eligible provider for that plan. That gives larger insurance companies leverage to bargain down provider rates.

        You'll notice this when you go from being on a large group plan -- like through a large employer -- to being an individual subscriber. The premiums people pay for individual coverage are much higher than those employers pay for group coverage.

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        by social democrat on Sat Dec 19, 2009 at 09:18:11 PM PST

        [ Parent ]

      •  They don't negotiate - they DEMAND. (0+ / 0-)

        They always win.

        'Usual and customary charges'.

        And then, the doctors and hospital come after the "insured" for the balance, anyway.

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