Health care reform

I agree that insurance should not be used as the current health care system.

However, in your first scenario, P also equals one. Does anyone live a life without a doctor being involved?

 

I live every day of my life without a doctor being involved. I've been to a hospital twice in my life. The first time was April 2nd, 1969 when I was born and the other time was when I was about 27 or 28 and HAD to go to the emergency room or die because of a nasty as hell kidney stone. Otherwise, I do not believe in preventative medicine. If it's your time to go, it's your time to go. Let nature take it's course and let it happen. Why make someone else rich by causing you much pain? Come to think of it now, doctors seem a lot like a divorce, lol.

 

One of the problems is that if there were more health care, there would be fewer insurance claims. So a natural thought would be for insurance companies to fund health care. Also, insurance companies are already in a supervisory position over health care situations, so they have to be included in any discussions.

 

Ya, health insurance companies suck. Pretty much all insurance companies do because they only exist to make money off of other people's pain, be it auto, home, health or life insurance.

You know what would be a step in the right direction? Get rid of the moral majority and the catholic church with the guy in the pointy hat so america can go full tilt at the whole stem cell, cloning thing. If we had a surplus of ready-to-go useable body parts lying around and an asston of million gallon vats of stem cells, we'd be set.

 

Uhuhuh, Ranth, this is my bad english, or just the hard day I had!

No, P is not the probability that someone will need a doctor during his life, it is a probability that he will need a doctor DURING relatively SHORT TIME period, like a year.

So, P is measured in 1/year (or, if you like, in 1/second).

Ahh, I see, I should write this!

Without insurance one should collect D dollars. And he will be "safe" from danger.
With insurance one should donate P*D dollars / year. And P*N men, who will need help, will all get D dollars / year each.

But when one gets really old or really ill, he has personal P=1, and I heard that in such cases insurance contract is terminated (which is unjust, since collected money used AVERAGE P, which included healthy men's Ps and old men's P's).

[Now if we return to D dollars to save and to P*D dollars/year to donate, we can see that for Y years one should donate Y*P*D dollars. So, it is a question if D is less than Y*P*D, or not. That was an irrelevant side note...]

And of course, if we have P1=P 1/year for one year, for two consecutive years we have
P12=1-(1-P)(1-P), and for every consecutive year we add another (1-P) multiplier, so for a large number of consecutive years probability that one will need a doctor is very close to 1 even if P does not grow with age (and it does grow.)

So, I fully agree with you!
And everything I wrote here you already knew, but I just could not restrict myself from typing the obvious

 

By the way, even if someone in particular never gets ill, this is not only because he has excellent health and strong immunity.

There are diseases, such as "the black plaque", tuberculosis or, for that case, various veneric thingies, which are rare now because of that "preventative medicine". So, maybe, Necroticpus, you never get ill not because you are exceptionally healthy, but because you do not have a chance to catch a disease. (But I wish you to be healthy, of course! )

[The opposition to this may be built on the following basis:
"If not for "preventative medicine" all weaklings would be dead by now and healthy people would not have anyone to get them diseased."
It can be beaten by history analisys, especially remembering European plaque years, when continous purging of "weaklings" by diseases did not prevent healthy people from dying.
But the problem of "genetic weight" (something like: "Weaklings are not only saved now, but they also reproduce and multiply their genetic flaws!") is indeed present and there is no way to solve it yet. At least no way I know of.]

 

The hell he just type? Is that Russian?

 

Did not you understand my post or what?

[edit 1]

Ahh, I have found one "q" where "c" should be!

[edit 2]

In the next few seconds I have found a great mistake in this very post!
It is bad to sleep little.
I am sorry.

[edit 3]

I have found another wrong letter - "e" where "y" should be, but I do not understand why N. says I've typed in "the hell".

[edit 4]

And what did you mean by "Is that Russian?" Me or post's language?
It is safe to assume (considering "location" part of the profile) that I am Russian (and I am - not Ukrainian, not Kazakh, not Yakut, but plain Russian), but if you dislike that word, I can also be called Soviet.
As for post's language, it is supposed to be English.

 

But there would be less people willing to pay for insurance!
(And companies have other "efficient" methods of reducing claims, as many people here mentioned)

 

Sorry, didn't mean to come off as stand-offish or anything. I just didn't understand all the particle and quantum physics formulas as it regards health care. I haven't yet figured out how you can add a number to a letter after multiplying the trajectory by the drag co-efficient of a 747 jet and get an answer. Start throwing numbers around and it's all russian to me.

 

I teach algebra. So, if you are ever around Houston...

Unfortunately, some concepts are are diifficult to express without symbols. And then difficult to to understand with symbols. And there is no such thing as 'plain' English.

 

OK, next time I'll try to make my posts more... clear... yes.

And I'll also try to avoid typing formulae, which need lower and upper indexes to be understood properly.

(And thank you for the explanation, Gaear!)

 

You're right. Insurance should not exist anywhere. I believe insurance exists so people like myself (just like 90% of the rest of world's population and 99.998% of americans) can completely ignore doing things to maintain good health and go for the deathbed prayer or expect someone else to pick up the tab. As a matter of fact, not only do we not do things to maintain good health, we go out of our way to do things that are very self destructive and opposite to maintaining good health. Like smoking. And drinking. And bunjee jumping. And skydiving. And freebasing steroids so that we can have the extremely useful skill of lifting 1200 pounds off of the ground to waist height.

 

As above, that was my complaint. Stupid people get to continue living. The dogs will have to take over running things.