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New Lakeside Hospital


michael2595

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Wonder if these hospitals would consider offering their own health insurance plans, limited to services at their facility.  Some business analysts think it could be a smart financial move for private hospitals to do this, cut out the middleman.  Here's an article from CNBC.  

https://www.cnbc.com/2017/08/02/hospitals-can-kill-the-health-insurance-industry-commentary.html

 

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The basic problem with that and many other types of plans with a similar idea is that of adverse selection. Folks with preexisting conditions and/or suspicions they will need that service flock to sign up. Others tend to wait and see and sign up in much fewer numbers. So the provider ends up with a high percentage of enrolees using the service and not enough well people to make a profitable mix. Other types of insurance, such as homeowners or auto, don't have that problem as most people don't expect to have a fire or auto accident and those with a greater risk can be charged a higher premium. People with a history of cancer or heart disease can't really be charged enough to offset what their costs will likely be. Exactly why Obamacare is having financial problems.

Perhaps require ALL newly turned 18 year olds to buy health insurance and keep it in force or face the prospect of being turned away from care if they have no insurance or can't pay? It's the only answer from a purely "insurance" standpoint but would never be acceptable to society as a whole. As with any commodity that is in finite supply, in this case health care, some way must be devised to determine who gets it.

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4 minutes ago, pappysmarket said:

The basic problem with that and many other types of plans with a similar idea is that of adverse selection. Folks with preexisting conditions and/or suspicions they will need that service flock to sign up. Others tend to wait and see and sign up in much fewer numbers. So the provider ends up with a high percentage of enrolees using the service and not enough well people to make a profitable mix. Other types of insurance, such as homeowners or auto, don't have that problem as most people don't expect to have a fire or auto accident and those with a greater risk can be charged a higher premium. People with a history of cancer or heart disease can't really be charged enough to offset what their costs will likely be. Exactly why Obamacare is having financial problems.

Perhaps require ALL newly turned 18 year olds to buy health insurance and keep it in force or face the prospect of being turned away from care if they have no insurance or can't pay? It's the only answer from a purely "insurance" standpoint but would never be acceptable to society as a whole. As with any commodity that is in finite supply, in this case health care, some way must be devised to determine who gets it.

Not talking about Obamacare or any national plan for "society as a whole." Talking about concept that a hospital offers its own insurance, directly to potential patients, cutting out the middle man (insurance company).  Hospital can make whatever rules it wants for its own insurance, limit whoever by age, pre-existing conditions, high deducts, caps, etc.   

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22 minutes ago, bournemouth said:

A hospital in Hermosillo, Sonora, whose name evades me at the moment (!) has been offering such a policy for some time.

I think also Hospital de la Fe in SMA offered some sort of pre-paid plans when it first opened.  

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20 minutes ago, Bisbee Gal said:

Not talking about Obamacare or any national plan for "society as a whole." Talking about concept that a hospital offers its own insurance, directly to potential patients, cutting out the middle man (insurance company).  Hospital can make whatever rules it wants for its own insurance, limit whoever by age, pre-existing conditions, high deducts, caps, etc.   

That's always the tough job for an actuary. Price it low enough to attract enough of the "right" people but high enough to make a profit. Not as easy as it might seem.

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54 minutes ago, pappysmarket said:

Healthcare is actually not very complicated. Who gets it, at what cost, and who pays the bills is what gets complicated.

Are we really practicing health care. More like sick care . If we practiced healthcare then our foods wouldn't be so bad, healthwise and we would eat more plant based foods and make sure that processed foods are to a minimum. We would ban high fructose corn syrup and any ingredient that had more than 4 syllables. Roundup would be illegal every where. Just look at the explosion of diabetes and kidney disease and heart disease in Mexico and look at the diet . Coca Cola being introduced into Mexico has had such a terrible effect on the population because the local drinks which weren't so sugar laden bow had to compete and up their sugar content. Look at the Japanese diet or the Mediterranean diet. Very healthy people until you introduce the processed crud. "healthcare today in so many places is "here is a Pill". That pill brings on other issues and now you are on a cocktail of pills. Slippery slope. So many diseases can be prevented and even healed with proper nutrition and abstaining from so many processed foods and having a clean diet. Al one has to do is look at the first few ingredients that are on packaged or canned foods . 

 

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1 hour ago, michael2595 said:

Are we really practicing health care. More like sick care . If we practiced healthcare then our foods wouldn't be so bad, healthwise and we would eat more plant based foods and make sure that processed foods are to a minimum. We would ban high fructose corn syrup and any ingredient that had more than 4 syllables. Roundup would be illegal every where. Just look at the explosion of diabetes and kidney disease and heart disease in Mexico and look at the diet . Coca Cola being introduced into Mexico has had such a terrible effect on the population because the local drinks which weren't so sugar laden bow had to compete and up their sugar content. Look at the Japanese diet or the Mediterranean diet. Very healthy people until you introduce the processed crud. "healthcare today in so many places is "here is a Pill". That pill brings on other issues and now you are on a cocktail of pills. Slippery slope. So many diseases can be prevented and even healed with proper nutrition and abstaining from so many processed foods and having a clean diet. Al one has to do is look at the first few ingredients that are on packaged or canned foods . 

 

I agree. The concept should be to prevent disease. So, who should get health care insurance? Roll it out to the children first and then follow up with education that will help them lead a better and healthier life. I doubt that even the parents would object to not being included if they didn't have to worry about their kids. imho.

 

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I pay attention to where threads tend to wander. It gauges interest and reveal what people have on their minds. Sometimes posters keep attempting to yank threads back to their area of self-interest and fail to recognize when the audience they are trying to reach just doesn't care that much.

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On 9/18/2017 at 2:08 PM, Dr.Santiago said:

Keep posted regarding a project that will encompass 30,000 square meters of construction and will be built in ONE PHASE

Area = length X width.  https://www.convert-me.com/en/convert/area/?u=m2&v=30%2C000

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