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Health Insurance - Coggle Diagram
Health Insurance
Us out of whack with the rest of the World
My Health Care Costs
Drug Costs Chronic Conditions
Diagnostics
Dental premiums
Dental expenses
Vision
Spend 2x any other OECD State
Lowest outcomes: Life expectancy, Suicide rate, maternal mortality
History of Universal Health Care
Otto von Bismarck
England NHS
Eisenhower tried, Nixon, LBJ AMA Scorched earth Campaign. AMA also opposed the free distriution of Salk vaccine.
Kaiser
World War II wage caps
Health Insurance not capped. 9 million with private insurabce in 1939, 92 Million in 1952
Highest Chronic disease burden and obesity, joint pain or arthritis; asthma or chronic lung disease; diabetes; heart disease, including heart attack; or hypertension/high blood pressure.
Lowest Physician visits and physicians
Highest preventable Hospital Stays
Highest Avoidable deaths
Similar public spending, higher out of pocket and private
Low rate of satisfaction only 30% satisfied, 25% somewhat satisfied
Our system is awash in waste
McKinsey Report in 2007 said that Health Insurers spend $100 Billion on Marketing and Underwriting (no need in single payer)
Cost of healthcare for all insured $77 Billion.
McKinsey estimates $66 Billion in Drug costs premims in US
43% overhead vs. 3% for medicare.
Perverse Incentives
Charge for Diagnostics
Colonoscopy every three years instead of 5
Prior authorization led abandonment of treatment 78% of Physicians AMA survey
Dfensive Care to avoid being sued
Example Telehealth not taken up because of insurance polciies. Necessity cut right through that.
Preventive Care
Diagnostics
Lifestyle interventions
Physical therapy
Prophylactic Treatment
Opaque Corporate structure
Non-profit hospital
Non profit Health Plan
For-profit physicians groups
UCSF Capital ependitures
Insurance
Bigger pools lower costs
Portfolio Theory
Health Care vs. Health Insurance
Health Care is the Good
Insurance is the way to pay
Drug Costs
Retail prices
Captive pharmacy
Mental Health
Exhorbitant
Preventive Care
Costs
Chronic Conditions
Diabetes
CVD
COPD
Cancer
Exercise
Obesity
Non-profit Perverse Incentives
expensive, complicated, dysfunctional, or broken. All three