Comparative French standard of living improvements
#556
Guest
Posts: n/a
Re: Comparative French standard of living improvements
Earl Evleth <[email protected]> wrote in message news:<BC837039.2B67F%[email protected]>...
> On 21/03/04 13:40, in article
> [email protected], "PJ O'Donovan"
> <[email protected]> wrote:
>
> Perhaps you can explain this embarrassment
> from a member of his own "team".
>>
> Le poseur Bush is exposed.
>
> Earl
>
> ****
> Ex-Adviser Says Bush Ignored Terror Threats
> Sun Mar 21, 2004 01:02 AM ET
>
> NEW YORK (Reuters) - A former White House anti-terrorism adviser has
> accused President Bush of ignoring terrorism threats before the Sept. 11
> attacks and of making America less safe.
>
> Richard Clarke, Bush's top official on counter-terrorism who headed a
> cybersecurity board, told CBS "60 minutes" in an interview to be aired
> Sunday he thought Bush had "done a terrible job on the war against
> terrorism."
>
Clarke Praises Bush in Resignation Letter
Tue Mar 23, 5:35 PM ET Add White House - AP to My Yahoo!
By JENNIFER LOVEN, Associated Press Writer
WASHINGTON - The White House, seeking to cool criticism from a former
top anti-terror adviser, said Tuesday that Richard Clarke's
resignation letter praised President Bush (news - web sites)'s
"courage, determination, calm and leadership" on Sept. 11, 2001.
"It has been an enormous privilege to serve you these last 24 months,"
said the Jan. 20, 2003, letter from Clarke to Bush. "I will always
remember the courage, determination, calm, and leadership you
demonstrated on September 11th...."
> On 21/03/04 13:40, in article
> [email protected], "PJ O'Donovan"
> <[email protected]> wrote:
>
> Perhaps you can explain this embarrassment
> from a member of his own "team".
>>
> Le poseur Bush is exposed.
>
> Earl
>
> ****
> Ex-Adviser Says Bush Ignored Terror Threats
> Sun Mar 21, 2004 01:02 AM ET
>
> NEW YORK (Reuters) - A former White House anti-terrorism adviser has
> accused President Bush of ignoring terrorism threats before the Sept. 11
> attacks and of making America less safe.
>
> Richard Clarke, Bush's top official on counter-terrorism who headed a
> cybersecurity board, told CBS "60 minutes" in an interview to be aired
> Sunday he thought Bush had "done a terrible job on the war against
> terrorism."
>
Clarke Praises Bush in Resignation Letter
Tue Mar 23, 5:35 PM ET Add White House - AP to My Yahoo!
By JENNIFER LOVEN, Associated Press Writer
WASHINGTON - The White House, seeking to cool criticism from a former
top anti-terror adviser, said Tuesday that Richard Clarke's
resignation letter praised President Bush (news - web sites)'s
"courage, determination, calm and leadership" on Sept. 11, 2001.
"It has been an enormous privilege to serve you these last 24 months,"
said the Jan. 20, 2003, letter from Clarke to Bush. "I will always
remember the courage, determination, calm, and leadership you
demonstrated on September 11th...."
#557
Guest
Posts: n/a
Re: Comparative French standard of living improvements
On 24/03/04 13:10, in article
[email protected], "PJ O'Donovan"
<[email protected]> wrote:
> Commandment 8 of 66- Leftwing Liberal Handbook:
What is the ISBN of this famous "Liberal Handbook.
is this another figment of the conservative mind,
like WMDs or the Ben-Landen-Saddam connection???
Earl
[email protected], "PJ O'Donovan"
<[email protected]> wrote:
> Commandment 8 of 66- Leftwing Liberal Handbook:
What is the ISBN of this famous "Liberal Handbook.
is this another figment of the conservative mind,
like WMDs or the Ben-Landen-Saddam connection???
Earl
#558
Guest
Posts: n/a
Re: Comparative French standard of living improvements
On 24/03/04 13:19, in article
[email protected] , "Tim Challenger"
<"timothy(dot)challenger(at)apk(dot)at"> wrote:
> Getting desperate now, eh, PJ ?
He is into virtual literature, like the Protocols of the Elders of Zion.
Earl
[email protected] , "Tim Challenger"
<"timothy(dot)challenger(at)apk(dot)at"> wrote:
> Getting desperate now, eh, PJ ?
He is into virtual literature, like the Protocols of the Elders of Zion.
Earl
#559
Guest
Posts: n/a
Re: Comparative French standard of living improvements
Now Earl. Even most of the conservatives that I know have more sense
than to believe in a Bin Laden - Saddam connection. Their just pissed
that daddy Bush couldn't get him in the last war.
Daddy & his boys expected that losing the war would be enough to finish
him & were pissed when it didn't work out.
FFM
Earl Evleth wrote:
> On 24/03/04 13:10, in article
> [email protected], "PJ O'Donovan"
> <[email protected]> wrote:
>>Commandment 8 of 66- Leftwing Liberal Handbook:
> What is the ISBN of this famous "Liberal Handbook.
>
> is this another figment of the conservative mind,
> like WMDs or the Ben-Landen-Saddam connection???
>
> Earl
>
than to believe in a Bin Laden - Saddam connection. Their just pissed
that daddy Bush couldn't get him in the last war.
Daddy & his boys expected that losing the war would be enough to finish
him & were pissed when it didn't work out.
FFM
Earl Evleth wrote:
> On 24/03/04 13:10, in article
> [email protected], "PJ O'Donovan"
> <[email protected]> wrote:
>>Commandment 8 of 66- Leftwing Liberal Handbook:
> What is the ISBN of this famous "Liberal Handbook.
>
> is this another figment of the conservative mind,
> like WMDs or the Ben-Landen-Saddam connection???
>
> Earl
>
#560
Guest
Posts: n/a
Re: Comparative French standard of living improvements
On 24 Mar 2004 04:10:42 -0800, [email protected] (PJ O'Donovan) wrote:
>Commandment 8 of 66- Leftwing Liberal Handbook:
>"You have to believe that businesses create oppression, and
>governments create prosperity.."
>Commandment 23 of 66- Leftwing Liberal Handbook:
>"No matter how credible an argument may be - always do your Leftwing
>Liberal duty and rabidly claim it's been debunked and discredited and
>call anyone who believes it "mean spirited", crazy, , a nut, a Nazi or
>any other of the monikers from the Leftwing Liberal grab bag of
>infantile epithets.."
Hey, PJ, would you publish the whole 66 Commandments for those
among the unwashed who are ignorant of their content. Mine only
go to 58 and I don't want to be left short.
TIA
>Commandment 8 of 66- Leftwing Liberal Handbook:
>"You have to believe that businesses create oppression, and
>governments create prosperity.."
>Commandment 23 of 66- Leftwing Liberal Handbook:
>"No matter how credible an argument may be - always do your Leftwing
>Liberal duty and rabidly claim it's been debunked and discredited and
>call anyone who believes it "mean spirited", crazy, , a nut, a Nazi or
>any other of the monikers from the Leftwing Liberal grab bag of
>infantile epithets.."
Hey, PJ, would you publish the whole 66 Commandments for those
among the unwashed who are ignorant of their content. Mine only
go to 58 and I don't want to be left short.
TIA
#561
Guest
Posts: n/a
Re: Comparative French standard of living improvements
PJ O'Donovan <[email protected]> wrote:
> "You have to believe that businesses create oppression, and
> governments create prosperity.."
For a counterexample to the second point, one need look no further than the
current US neocon regime.
> "You have to believe that businesses create oppression, and
> governments create prosperity.."
For a counterexample to the second point, one need look no further than the
current US neocon regime.
#562
Guest
Posts: n/a
Re: Comparative French standard of living improvements
Following up to PJ O'Donovan
>Commandment 8 of 66- Leftwing Liberal Handbook:
>"You have to believe that businesses create oppression, and
>governments create prosperity.."
>Commandment 23 of 66- Leftwing Liberal Handbook:
>"No matter how credible an argument may be - always do your Leftwing
>Liberal duty and rabidly claim it's been debunked and discredited and
>call anyone who believes it "mean spirited", crazy, , a nut, a Nazi or
>any other of the monikers from the Leftwing Liberal grab bag of
>infantile epithets.."
stop posting crap and answer my question, if you cant, shut up.
--
Mike Reid
"Art is the lie that reveals the truth" P.Picasso
Walking, Wasdale, Thames path, London etc "http://www.fellwalk.co.uk" <-- you can email us@ this site
Spain, food and walking "http://www.fell-walker.co.uk" <-- dontuse@ all, it's a spamtrap
>Commandment 8 of 66- Leftwing Liberal Handbook:
>"You have to believe that businesses create oppression, and
>governments create prosperity.."
>Commandment 23 of 66- Leftwing Liberal Handbook:
>"No matter how credible an argument may be - always do your Leftwing
>Liberal duty and rabidly claim it's been debunked and discredited and
>call anyone who believes it "mean spirited", crazy, , a nut, a Nazi or
>any other of the monikers from the Leftwing Liberal grab bag of
>infantile epithets.."
stop posting crap and answer my question, if you cant, shut up.
--
Mike Reid
"Art is the lie that reveals the truth" P.Picasso
Walking, Wasdale, Thames path, London etc "http://www.fellwalk.co.uk" <-- you can email us@ this site
Spain, food and walking "http://www.fell-walker.co.uk" <-- dontuse@ all, it's a spamtrap
#563
Guest
Posts: n/a
Re: Comparative French standard of living improvements
Earl Evleth <[email protected]> wrote in message news:<BC876BEC.2BEC5%[email protected]>...
> On 24/03/04 13:10, in article
> [email protected], "PJ O'Donovan"
> <[email protected]> wrote:
>
>
> is this another figment of the conservative mind,
> like WMDs or the Ben-Landen-Saddam connection???
>
> Earl
"If Saddam Hussein fails to comply and we fail to act or we take some
ambiguous third route, which gives him yet more opportunities to
develop his program of weapons of mass destruction and continue to
press for the release of sanctions and ignore the commitments he's
made? Well, he will conclude that the international community's lost
its will. He will then conclude that he can go right on doing more to
build an arsenal of devastating destruction. If we fail to respond
today, Saddam and all those who would follow in his footsteps will be
emboldened tomorrow. The stakes could not be higher. Some way,
someday, I guarantee you he'll use the arsenal."
-President Bill Clinton in 1998
If you want additional qoutes from other prominent "flip-floppers" on
the looney
left and/ or their qoutes on the Iraq/ Alqueda connection, I would be
most
happy to comply.
> On 24/03/04 13:10, in article
> [email protected], "PJ O'Donovan"
> <[email protected]> wrote:
>
>
> is this another figment of the conservative mind,
> like WMDs or the Ben-Landen-Saddam connection???
>
> Earl
"If Saddam Hussein fails to comply and we fail to act or we take some
ambiguous third route, which gives him yet more opportunities to
develop his program of weapons of mass destruction and continue to
press for the release of sanctions and ignore the commitments he's
made? Well, he will conclude that the international community's lost
its will. He will then conclude that he can go right on doing more to
build an arsenal of devastating destruction. If we fail to respond
today, Saddam and all those who would follow in his footsteps will be
emboldened tomorrow. The stakes could not be higher. Some way,
someday, I guarantee you he'll use the arsenal."
-President Bill Clinton in 1998
If you want additional qoutes from other prominent "flip-floppers" on
the looney
left and/ or their qoutes on the Iraq/ Alqueda connection, I would be
most
happy to comply.
#564
Guest
Posts: n/a
Re: Comparative French standard of living improvements
[email protected] (PJ O'Donovan) wrote in message news:<[email protected]. com>...
> Earl Evleth <[email protected]> wrote in message news:<BC837039.2B67F%[email protected]>...
> > On 21/03/04 13:40, in article
> > [email protected], "PJ O'Donovan"
> > <[email protected]> wrote:
> >
> > Perhaps you can explain this embarrassment
> > from a member of his own "team".
> >>
> > Le poseur Bush is exposed.
> >
> > Earl
> >
> > ****
>
> > Ex-Adviser Says Bush Ignored Terror Threats
> > Sun Mar 21, 2004 01:02 AM ET
> >
> > NEW YORK (Reuters) - A former White House anti-terrorism adviser has
> > accused President Bush of ignoring terrorism threats before the Sept. 11
> > attacks and of making America less safe.
> >
> > Richard Clarke, Bush's top official on counter-terrorism who headed a
> > cybersecurity board, told CBS "60 minutes" in an interview to be aired
> > Sunday he thought Bush had "done a terrible job on the war against
> > terrorism."
> >
>
> Clarke Praises Bush in Resignation Letter
> Tue Mar 23, 5:35 PM ET Add White House - AP to My Yahoo!
>
> By JENNIFER LOVEN, Associated Press Writer
>
> WASHINGTON - The White House, seeking to cool criticism from a former
> top anti-terror adviser, said Tuesday that Richard Clarke's
> resignation letter praised President Bush (news - web sites)'s
> "courage, determination, calm and leadership" on Sept. 11, 2001.
>
> "It has been an enormous privilege to serve you these last 24 months,"
> said the Jan. 20, 2003, letter from Clarke to Bush. "I will always
> remember the courage, determination, calm, and leadership you
> demonstrated on September 11th...."
And yesterday at the hearing:
"...Former Republican Sen. Slade Gorton asked Clarke if there was "the
remotest chance" that the attacks could have been prevented if the
Bush administration had adopted his aggressive counterterrorism
recommendations upon taking office in January 2001.
"No," Clarke said..."
Just another desperate move by the looney left attempting to make
issues out of non-issues.
> Earl Evleth <[email protected]> wrote in message news:<BC837039.2B67F%[email protected]>...
> > On 21/03/04 13:40, in article
> > [email protected], "PJ O'Donovan"
> > <[email protected]> wrote:
> >
> > Perhaps you can explain this embarrassment
> > from a member of his own "team".
> >>
> > Le poseur Bush is exposed.
> >
> > Earl
> >
> > ****
>
> > Ex-Adviser Says Bush Ignored Terror Threats
> > Sun Mar 21, 2004 01:02 AM ET
> >
> > NEW YORK (Reuters) - A former White House anti-terrorism adviser has
> > accused President Bush of ignoring terrorism threats before the Sept. 11
> > attacks and of making America less safe.
> >
> > Richard Clarke, Bush's top official on counter-terrorism who headed a
> > cybersecurity board, told CBS "60 minutes" in an interview to be aired
> > Sunday he thought Bush had "done a terrible job on the war against
> > terrorism."
> >
>
> Clarke Praises Bush in Resignation Letter
> Tue Mar 23, 5:35 PM ET Add White House - AP to My Yahoo!
>
> By JENNIFER LOVEN, Associated Press Writer
>
> WASHINGTON - The White House, seeking to cool criticism from a former
> top anti-terror adviser, said Tuesday that Richard Clarke's
> resignation letter praised President Bush (news - web sites)'s
> "courage, determination, calm and leadership" on Sept. 11, 2001.
>
> "It has been an enormous privilege to serve you these last 24 months,"
> said the Jan. 20, 2003, letter from Clarke to Bush. "I will always
> remember the courage, determination, calm, and leadership you
> demonstrated on September 11th...."
And yesterday at the hearing:
"...Former Republican Sen. Slade Gorton asked Clarke if there was "the
remotest chance" that the attacks could have been prevented if the
Bush administration had adopted his aggressive counterterrorism
recommendations upon taking office in January 2001.
"No," Clarke said..."
Just another desperate move by the looney left attempting to make
issues out of non-issues.
#565
Guest
Posts: n/a
Re: Comparative French standard of living improvements
On Thu, 25 Mar 2004 05:30:09 -0800, PJ O'Donovan wrote:
> -President Bill Clinton in 1998
>
> If you want additional qoutes from other prominent "flip-floppers" on
> the looney
> left and/ or their qoutes on the Iraq/ Alqueda connection, I would be
> most
> happy to comply.
Clinton, "looney left?"
Talking looney, care for a mirror? One doesn't see someone so thoroughly
brainwashed very often, does one?
Resident clown. Kind of entertaining, I suppose. If posters like these
didn't exist, one should invent them.
> -President Bill Clinton in 1998
>
> If you want additional qoutes from other prominent "flip-floppers" on
> the looney
> left and/ or their qoutes on the Iraq/ Alqueda connection, I would be
> most
> happy to comply.
Clinton, "looney left?"
Talking looney, care for a mirror? One doesn't see someone so thoroughly
brainwashed very often, does one?
Resident clown. Kind of entertaining, I suppose. If posters like these
didn't exist, one should invent them.
#566
Guest
Posts: n/a
Re: A
Donna Evleth wrote:
> Dans l'article <[email protected]>, Olivers
> <[email protected]> a écrit :
>> A modern badge of
>>"redneck" equivalence: the horizontal half moon of suburn across the back
>>of the heads of men who wear the adjustable sized "gimme" caps with the
>>open half moon back panel.
> Where did the term "gimme" cap come from? Donna Evleth
The were originally advertising give aways. Thus 'gimme a cap." from
customers. FFM
> Dans l'article <[email protected]>, Olivers
> <[email protected]> a écrit :
>> A modern badge of
>>"redneck" equivalence: the horizontal half moon of suburn across the back
>>of the heads of men who wear the adjustable sized "gimme" caps with the
>>open half moon back panel.
> Where did the term "gimme" cap come from? Donna Evleth
The were originally advertising give aways. Thus 'gimme a cap." from
customers. FFM
#567
Guest
Posts: n/a
A
Dans l'article <[email protected]>, Olivers
<[email protected]> a écrit :
> A modern badge of
> "redneck" equivalence: the horizontal half moon of suburn across the back
> of the heads of men who wear the adjustable sized "gimme" caps with the
> open half moon back panel.
Where did the term "gimme" cap come from?
Donna Evleth
<[email protected]> a écrit :
> A modern badge of
> "redneck" equivalence: the horizontal half moon of suburn across the back
> of the heads of men who wear the adjustable sized "gimme" caps with the
> open half moon back panel.
Where did the term "gimme" cap come from?
Donna Evleth
#568
Guest
Posts: n/a
Re: A
"Donna Evleth" <[email protected]> wrote:
>
>Dans l'article <[email protected]>, Olivers
><[email protected]> a écrit :
>> A modern badge of
>> "redneck" equivalence: the horizontal half moon of suburn across the back
>> of the heads of men who wear the adjustable sized "gimme" caps with the
>> open half moon back panel.
>Where did the term "gimme" cap come from?
I am intrigued: why did you choose that subject header?
--
PB
The return address has been MUNGED
>
>Dans l'article <[email protected]>, Olivers
><[email protected]> a écrit :
>> A modern badge of
>> "redneck" equivalence: the horizontal half moon of suburn across the back
>> of the heads of men who wear the adjustable sized "gimme" caps with the
>> open half moon back panel.
>Where did the term "gimme" cap come from?
I am intrigued: why did you choose that subject header?
--
PB
The return address has been MUNGED
#569
Guest
Posts: n/a
Re: A
they're caps that were (are) given as promotional items.
as in "gimme one of those"
Donna Evleth wrote:
>
> Dans l'article <[email protected]>, Olivers
> <[email protected]> a écrit :
>
>
>
>> A modern badge of
>>"redneck" equivalence: the horizontal half moon of suburn across the back
>>of the heads of men who wear the adjustable sized "gimme" caps with the
>>open half moon back panel.
>
>
> Where did the term "gimme" cap come from?
>
> Donna Evleth
--
To live outside the law, you must be honest...
(Absolutely Sweet Marie - Blonde on Blonde - 1966)
as in "gimme one of those"
Donna Evleth wrote:
>
> Dans l'article <[email protected]>, Olivers
> <[email protected]> a écrit :
>
>
>
>> A modern badge of
>>"redneck" equivalence: the horizontal half moon of suburn across the back
>>of the heads of men who wear the adjustable sized "gimme" caps with the
>>open half moon back panel.
>
>
> Where did the term "gimme" cap come from?
>
> Donna Evleth
--
To live outside the law, you must be honest...
(Absolutely Sweet Marie - Blonde on Blonde - 1966)
#570
Guest
Posts: n/a
Re: Comparative French standard of living improvements
Hi,
let's take a real example... me.
in Memphis, Tennessee (a high crime city) my family health insurance
premium is 47$/month and my annual family deductible is 500$ and after
that 90% is covered.
Earl Evleth wrote:
> On 10/03/04 20:51, in article [email protected],
> "Hatunen" <[email protected]> wrote:
>
>
>
>>When our little daughter died about eight years ago she had run
>>up well over $500 000 in hospital bills and we paid nothing,
>>having used up our deductible on our own bills.
>
>
> You have my sympathy. This is what happened on my extended family
> and it is a terrible and long lasting injury.
>
> Today, my wife`s cousin is being operated on, age 69, for what turns out to
> be a congenital heart problem never picked up until now.
> This will include a bypass although other problems exist.
> This will occur in California and we will be on the phone
> tomorrow to see how it went.
>
> Thanks for correcting my impressions. I was able to go to the
> internet and using Broward county, Florida as an example
> do some rough comparisons of plans I used the Yahoo health
> insurance site http://health.yahoo.com/health/cente...urance/21.html
> which only requires a zip code (33310 for Broward) for information,
> not name, address and the whole bit some estimates require.
>
> In using a 45 yr old single non-smoking man as an example the
> https://www.ehealthinsurance.com/ehi...ype=IFP&zip=33
> 310 gave me 43 plans, ranging from a low of $152 to a high of $690 a month.
> These had varying deductibles from a low of $500 to $5,000, co-pays
> running usually 20-30% and doctor calls at $20 to $30. I think I would
> need help to decide which is the ³best² plan!
>
> Anyway, Europeans on this group can test this out if they are interested.
>
> As you pointed out there are "out of pocket" limits now, and these
> run from $3000 to $6000.
>
> Most of the plans offered are PPOs and the field of HMOs are not
> well represented in this search.
>
> A possibly typical plan with $2500 deductible having a $5000
> max on the out of pocket would imply that a $20,000 Hospital
> stay would imply that the insurance would cover around $12,500
> of that. These days, $20,000 is not much and I suspect
> that the average cost of a hospitals stay for a heart
> attack would be $50,000 possibly more, in which case the
> $7,500 deductible plus $5000 out of pocket limit represents
> the same $7,500. The fraction not covered remains constant with the
> hospital bill, so a $100,000 would be the same.
>
> As for families, I checked for a family of 4, an average case
> and the insurance estimates ran in the $450-$700 range.
> This I had expected.
>
> I presume that the poorer families select from the bottom
> so a household monthly income of $2500 ($30,000). Rents
> in the Broward county area, at the bottom are perhaps
> $700 so insurance is "affordable" at $450 probably
> not at $700. I think families in the $20,000 a year
> income category are priced out of the private insurance
> market. Those not insured in the US are 16% of the population
> and one can see why.
>
> For Europeans, the big shock of this plans is possibly the deductible.
> and the possible cost to the individual of relatively low hospital
> bill.
>
> Moderate medical expenses are not covered in the US until one goes
> beyond the deductible, and the deductible is repeated each year.
> Since people here can go to the doctor at any time when trouble
> hits, they do, in the US I think where would be an effect on
> general health care by not going unless one had already spent
> over the deductible or very ill. Therefore generally poorer performance of
> the US in health care statistics is due to a money-access barrier.
>
> The question of ³too easy access² causing medical costs to rise
> occurs? Yes. Unfortunately, the lesson in American health care is
> that greater access to medical care through company covered
> plans yielded an open ended cost push and companies turned
> to HMOs in response to this. This also is occurring in Medicard
> and Medicaid, the costs of running this are outrunning public
> financing. So the % of GNP going to medical care ballooned in the
> 1980-early 1990s, came under some control in the mid to late
> 1990s which the HMOs came in, but this relief has not been
> permanent and American health costs are rising again
> beyond 15% of the GNP and projected to rise to 18% within
> 10 years. At the same time, the European systems seem to
> have better working cost controls working, which is a result
> which is counter intuitive to apologists of a free market system
> in which competition will eventually drive down prices.
>
> The fact is that Europe also has its medical cost problems, the
> problem being general for any society having an ageing group
> growing in numbers. I think the American problems are
> worse since the system is inherently chaotic
>
> A social insurance plan is based on the "premiums" varying
> with income and people paying all their working lives
> with a contribution from the employer and also from those
> receiving income from capital (in France at least, investment
> income and capital gains are taxed at 10% for the medical
> insurance program). Payroll deductions are 6% for the employee
> an 9% for the employer. French pay bulletins contain the sums
> payed by the employer so everybody also sees these contributions.
> For instance, in the Parisian region, my employer had to fork
> up with about 100 euros a month to support the public
> transportation system! In fact, about half the cost of a
> Parisian metro ticket is subsidized in this fashion. This
> is considered necessary since people otherwise would take
> their cars and as is the total system is about saturated.
> Whatever, the Parisian system is well managed, constantly
> being improved but is a "socialized" system. I don`t
> think the London system is comparable, while being much
> more expensive to users. New York's system is ran on a
> break even standpoint the user costs are higher.
>
> Whatever, a universal health care system is built
> on being financed by most people collecting much
> less than they put in.
>
> So years of paying more than one collects is compensated
> by an end-of-life period in which the costs are high.
> A private system can not be financed on such a basis,
> one`s premiums are base on one's risk for the moment
> and foreseeable period of being insured. Currently,
> the American private insurance programs have the
> advantage of knowing that on passing 65 somebody
> else takes over the risks, not them. So they can
> skim the cream and leave the rest to somebody else.
>
> Earl
>
>
>
>
>
>
>
>
>
>
>
--
>>>==> Derringer Kit Gun Side Plates <==<<<
http://cgi.ebay.com/ws/eBayISAPI.dll...tem=3668089284
http://cgi.ebay.com/ws/eBayISAPI.dll...tem=3668511570
let's take a real example... me.
in Memphis, Tennessee (a high crime city) my family health insurance
premium is 47$/month and my annual family deductible is 500$ and after
that 90% is covered.
Earl Evleth wrote:
> On 10/03/04 20:51, in article [email protected],
> "Hatunen" <[email protected]> wrote:
>
>
>
>>When our little daughter died about eight years ago she had run
>>up well over $500 000 in hospital bills and we paid nothing,
>>having used up our deductible on our own bills.
>
>
> You have my sympathy. This is what happened on my extended family
> and it is a terrible and long lasting injury.
>
> Today, my wife`s cousin is being operated on, age 69, for what turns out to
> be a congenital heart problem never picked up until now.
> This will include a bypass although other problems exist.
> This will occur in California and we will be on the phone
> tomorrow to see how it went.
>
> Thanks for correcting my impressions. I was able to go to the
> internet and using Broward county, Florida as an example
> do some rough comparisons of plans I used the Yahoo health
> insurance site http://health.yahoo.com/health/cente...urance/21.html
> which only requires a zip code (33310 for Broward) for information,
> not name, address and the whole bit some estimates require.
>
> In using a 45 yr old single non-smoking man as an example the
> https://www.ehealthinsurance.com/ehi...ype=IFP&zip=33
> 310 gave me 43 plans, ranging from a low of $152 to a high of $690 a month.
> These had varying deductibles from a low of $500 to $5,000, co-pays
> running usually 20-30% and doctor calls at $20 to $30. I think I would
> need help to decide which is the ³best² plan!
>
> Anyway, Europeans on this group can test this out if they are interested.
>
> As you pointed out there are "out of pocket" limits now, and these
> run from $3000 to $6000.
>
> Most of the plans offered are PPOs and the field of HMOs are not
> well represented in this search.
>
> A possibly typical plan with $2500 deductible having a $5000
> max on the out of pocket would imply that a $20,000 Hospital
> stay would imply that the insurance would cover around $12,500
> of that. These days, $20,000 is not much and I suspect
> that the average cost of a hospitals stay for a heart
> attack would be $50,000 possibly more, in which case the
> $7,500 deductible plus $5000 out of pocket limit represents
> the same $7,500. The fraction not covered remains constant with the
> hospital bill, so a $100,000 would be the same.
>
> As for families, I checked for a family of 4, an average case
> and the insurance estimates ran in the $450-$700 range.
> This I had expected.
>
> I presume that the poorer families select from the bottom
> so a household monthly income of $2500 ($30,000). Rents
> in the Broward county area, at the bottom are perhaps
> $700 so insurance is "affordable" at $450 probably
> not at $700. I think families in the $20,000 a year
> income category are priced out of the private insurance
> market. Those not insured in the US are 16% of the population
> and one can see why.
>
> For Europeans, the big shock of this plans is possibly the deductible.
> and the possible cost to the individual of relatively low hospital
> bill.
>
> Moderate medical expenses are not covered in the US until one goes
> beyond the deductible, and the deductible is repeated each year.
> Since people here can go to the doctor at any time when trouble
> hits, they do, in the US I think where would be an effect on
> general health care by not going unless one had already spent
> over the deductible or very ill. Therefore generally poorer performance of
> the US in health care statistics is due to a money-access barrier.
>
> The question of ³too easy access² causing medical costs to rise
> occurs? Yes. Unfortunately, the lesson in American health care is
> that greater access to medical care through company covered
> plans yielded an open ended cost push and companies turned
> to HMOs in response to this. This also is occurring in Medicard
> and Medicaid, the costs of running this are outrunning public
> financing. So the % of GNP going to medical care ballooned in the
> 1980-early 1990s, came under some control in the mid to late
> 1990s which the HMOs came in, but this relief has not been
> permanent and American health costs are rising again
> beyond 15% of the GNP and projected to rise to 18% within
> 10 years. At the same time, the European systems seem to
> have better working cost controls working, which is a result
> which is counter intuitive to apologists of a free market system
> in which competition will eventually drive down prices.
>
> The fact is that Europe also has its medical cost problems, the
> problem being general for any society having an ageing group
> growing in numbers. I think the American problems are
> worse since the system is inherently chaotic
>
> A social insurance plan is based on the "premiums" varying
> with income and people paying all their working lives
> with a contribution from the employer and also from those
> receiving income from capital (in France at least, investment
> income and capital gains are taxed at 10% for the medical
> insurance program). Payroll deductions are 6% for the employee
> an 9% for the employer. French pay bulletins contain the sums
> payed by the employer so everybody also sees these contributions.
> For instance, in the Parisian region, my employer had to fork
> up with about 100 euros a month to support the public
> transportation system! In fact, about half the cost of a
> Parisian metro ticket is subsidized in this fashion. This
> is considered necessary since people otherwise would take
> their cars and as is the total system is about saturated.
> Whatever, the Parisian system is well managed, constantly
> being improved but is a "socialized" system. I don`t
> think the London system is comparable, while being much
> more expensive to users. New York's system is ran on a
> break even standpoint the user costs are higher.
>
> Whatever, a universal health care system is built
> on being financed by most people collecting much
> less than they put in.
>
> So years of paying more than one collects is compensated
> by an end-of-life period in which the costs are high.
> A private system can not be financed on such a basis,
> one`s premiums are base on one's risk for the moment
> and foreseeable period of being insured. Currently,
> the American private insurance programs have the
> advantage of knowing that on passing 65 somebody
> else takes over the risks, not them. So they can
> skim the cream and leave the rest to somebody else.
>
> Earl
>
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