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To: NOW who wrote (212140)	7/23/2009 7:44:29 PM
From: Galirayo	Respond to of 306849

If Prechter is correct and were ready to hit the 3rd wave down .. the Government will have it's hands full with Everything .. including Stats. Our friend just fell and shattered her wrist .. went to the ER .. they told her to see a Bone Specialist ... the Bone Specialist is sending her to a Cardiologist. How many of these Turds belong to the Same Country Club"s" anyway ?? Show me your Stats Source .. on Utilization. And Tell me one more time that Medical Inflation is NOT the Real Problem since you send the Bills out ??

To: NOW who wrote (212140)	7/24/2009 12:25:17 AM
From: GraceZ	Read Replies (1) \| Respond to of 306849

underutilization has been shown to be a real problem with these kind of accounts despite the improvements in overutilization, and leads to worse outcomes and little savings in the long run. I'm usually pretty good at figuring out what even the worst writers mean to convey when they write something but, for the life of me, I can't quite decipher this sentence. Are you trying to say that with HSA accounts we see some improvement in over utilization of health care but that because people with those plans might tend toward the other extreme, to under-utilize their health care, they have worse outcomes and that this results in little overall savings? All I can say is that the plans haven't been in place long enough and are not widespread enough for you to make that kind of definitive assessment, especially on the macro level. compared with 9 percent of elderly Medicare beneficiaries For sure, the elderly on Medicare remain the most over medicated and over treated population in the country leading to horrible quality of life dilemmas at the end of their lives. Thirty-three percent of privately insured people were unable to pay their bills or had been contacted by a collection agency, Half of all Medicare recipients also require Medicaid to pay the 20% that Medicare doesn't pay, so clearly they are even less capable of paying for their portion of the bill than the privately insured. It is no secret that many people are not willing to save anything, nor are they willing to deplete their savings in order to pay for the medical care they receive. I've heard of people declaring BK for medical bills as low as 10k. You can't even buy a decent mid-sized car for that yet they'd be more willing to borrow money in that amount to pay for a car than for care they receive that may have saved their lives. They are laboring under this notion that their insurance should pay ALL the costs even though they clearly accepted the co-pay provisions in their plan, so they never saved a cent for contingency. If they'd always had a savings plan for medical care from the beginning, only a small percentage of them, who had catastrophes early in their plans would have the misfortune of a major illness whose co-pay and deductible couldn't be covered from their savings plan. The truth is people demand better care than they are willing to pay for. Obama's plan will simply force them to pay but it holds few guarantees that anyone will get the level of care they now demand. One can expect that like with everything else provided by the government, the demand will rise just a little faster than supply, it is a target that is always out of reach.