
Sue Lowden, a former Nevada GOP chair currently seeking the Republican nomination in the June 8 primary to run against Democratic Senate Majority leader Harry Reid, has detailed some of her alternative recommendations for health care policy: Encourage people to save as much money as they can in tax-free health savings accounts -- the number she mentioned was $20,000 -- and to barter with their doctors.
At a candidate forum this past Tuesday in Mesquite, Nevada, Lowden was asked what she would have done instead of the Democrats' health care bill. Lowden's message was generally deregulatory in nature, pointing to the ideas of interstate insurance policies and the legalization of stripped-down "mandate-free" policies. "I would have also allowed for us to have savings plans increase instead of being decreased like in this bill," said Lowden. "I would have said to all of you, if you have a health savings account, I don't really care how much you save, good for you. pre-tax, go ahead and save as much as you want. It's your -- it's for your health. And if you want to save $20,000, good for you. Save it pre-tax."
Lowden continued: "And I would have suggested, and I think that bartering is really good. Those doctors who you pay cash, you can barter, and that would get prices down in a hurry. And I would say go out, go ahead out and pay cash for whatever your medical needs are, and go ahead and barter with your doctor."
Here is the video, from a Nevada Democratic Party tracker:
Late Update: The Lowden campaign sent us a comment statement from the candidate. From the look of her explanation, it appears that she may have confused her vocabulary, using the word "barter" when she should have said "haggle," judging from her discussion here about doctors accepting a lower payment if offered in cash. Key quote:
"Currently, there are number of medical doctors in Nevada and across America who already accept cash, check and credit cards. This isn't a plan, this is fact. Usually, doctors will offer a lower payment in an agreement with patients because it saves them the hassle of dealing with insurance companies and government-administered health care.
"This may come as a surprise for Harry Reid, but many doctors are also small business owners, and they have their own bills to pay.
calchala
April 12, 2010 12:51 PM
This is a leading UNITED STATES SENATORIAL CANDIDATE. JUST WOW.
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EnnuiDivine
April 12, 2010 1:13 PM in reply to calchala
Not only that; this woman is the leading Republican candidate for the job.
And, by every poll out there, is leading the Senate majority leader.
We shouldn't expect too much from the state that elected John Ensign and Jim Gibbons, but...just, wow.
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MyOwnPersonalBuddha
April 12, 2010 1:54 PM in reply to EnnuiDivine
"...leading Republican candidate for the job.
And, by every poll out there, is leading the Senate majority leader."
We can only hope that tomorrow it will be appropriate to use, "former leading Republican candidate for the job."
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hunter
April 12, 2010 2:33 PM in reply to MyOwnPersonalBuddha
Well I for one hope she remains the leading GOP candidate right through the primary. This is exactly what Reid needs to hold on: sure, he's trailing her right now when nobody is watching the race...but he's trailing a donut right now too. Once people start paying attention to how weak Lowden is in practice, those polls will close up in a hurry. Oh, and having a Tea Party candidate on the ballot doesn't hurt...assuming that court case doesn't neutralize the poor guy.
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Lovelynina
April 22, 2010 1:24 PM in reply to EnnuiDivine
GLOSSARY for an agriculture-based medical barter economy (Shades of Wall Street):
SCPP = synthetic collateralized poultry product. Examples include "Egg beaters" and "Soy milk." Have a glass!
DBUDO = daily bovine udder discharge obligation. Like a good milking; or perhaps farm fresh coffee creamer before dawn. A gallon in exchange for a check-up.
CDS = chore default swap. Late-night co-ed tractor pull means Dad does your morning plowing. Dad retaliates by having you stand in for him to have his annual rectal exam done.
Mezzanine Tranche = the tenderloin, and hence leanest, slice of a good pork hide. Good for sandwiches or pork twists. Offer a warm one up to your doc, and your next colonoscopy is on the house!
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AhTrini1
April 12, 2010 1:30 PM in reply to calchala
Yes, I make $37,000 and I should save $20,000 for health care, really!
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bibimimi
April 12, 2010 2:28 PM in reply to AhTrini1
Oh, yeah! $20k in ur shiny tax-free health savings account!
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bibimimi
April 12, 2010 2:30 PM in reply to bibimimi
i.e. D'uh!
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ws84
April 20, 2010 10:01 PM in reply to bibimimi
I had an operation which required two different kinds of surgeons. I was in intensive care three and a half days and in a step down room for a day and a half.
TOTAL= $200,000!
I had to 'barter' with my insurance company to pay the usual 80%. If things would have gone bad, I could have racked up insurmountable debt. This woman is clueless.
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plaidsportcoat
April 12, 2010 4:07 PM in reply to AhTrini1
You slacker! You could at LEAST put a down payment on that $500,000 cancer bill, while you work the rest off the rest of your short life.
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loria
April 12, 2010 5:28 PM in reply to plaidsportcoat
Considering a biopsy just to diagnose cancer is over $6000, I doubt $20,000 will go far when haggling for that treatment. Do Republicans have any real solutions for dealing with issues that breaking the backs of middle class Americans?
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acf_ma
April 12, 2010 6:21 PM in reply to AhTrini1
That's why Republicans usually like the idea. They can claim to have done something about health care while not costing them anything for....the undesirables. It's the same reason why they are so fond of fee for service plans because it fits their position of "If I'm not using it, why should I pay for it"?
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cwnidog
April 12, 2010 6:55 PM in reply to acf_ma
I don't really have anything against HSAs, they can be useful, but to think that they're the solution is asinine. An equitable single-payer system, AKA "Medicare for All" is what's needed. Anything else is eyewash.
And for god's sake, don't confuse an HSA with a Flexible Spending Account, the money in an FSA disappears at the end of they year if it's not spent.
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Nancy Irving
April 14, 2010 1:16 AM in reply to AhTrini1
And how many weeks of care will $20k buy you, if you get cancer?
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Russell
April 12, 2010 2:38 PM in reply to calchala
I just called my doctor and he wont take a 1973 Dodge Dart with a new motor for my upcoming yearly physical, which runs about $600 and that includes prostate exam. I offered to throw in 3 dead squirrels and a live chicken and still no deal! Heck I even went so far as to offer to mow his lawn for a month and he still shot me down! So much for that airhead's idea to barter for health care....How stupid are republicans thinking you can barter with health care providers? Can you imagine what their ads will look like in the fall..."please vote for me and I'll do my best to repeal health care so you wont have access to decent affordable healthcare"....yea...that sounds like a winning message.
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Richardxx
April 12, 2010 3:58 PM in reply to Russell
Even if you found a doctor you could barter with, do you think the more competent physicians would work for something besides cash? All you'd get was access to the quacks.
That's assuming it would work with anyone, of course.
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mycomment
April 13, 2010 2:39 PM in reply to Richardxx
and what happens when the 14th patient you've seen today brings the 14th carton of eggs as payment....
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loria
April 12, 2010 5:29 PM in reply to Russell
On a day when not much is making me laugh, you made me laugh. Thank you.
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Shoto
April 12, 2010 6:49 PM in reply to calchala
Why does she want to be a senator when she already has that rocket scientist job at NASA? I don't understand.
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zoester
April 12, 2010 7:22 PM in reply to calchala
And it sounds as if she's encouraging tax evasion.
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SqueakyRat
April 13, 2010 5:48 PM in reply to calchala
Yeah but she's hawt.
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SqueakyRat
April 13, 2010 5:52 PM in reply to calchala
Yeah but she's hawt.
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Rick Jones
April 12, 2010 12:51 PM
Doc, I'll give you $2500 for that life-saving heart surgery and that's my final offer.
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FreeRider
April 12, 2010 12:51 PM
1. Like saving $20,000 is so easy to do.
2. Like $20,000 will cover more than 2 days in the hospital if you really got sick.
3. Like she's anything besides a right-wing dumbass.
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Matt Jones
April 12, 2010 1:03 PM in reply to FreeRider
Well, in her defense, I doubt she *knows* anyone that can't save $20k a year in an HSA.
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BrookJolley
April 12, 2010 5:19 PM in reply to Matt Jones
The reason Republicans advocate this is that if you uncork the cap from HSA contributions it becomes a income tax free vehicle for retirement savings, sort of a 401k knockoff if you will. The funds inside do not pay capital gains, and you can withdraw them anytime you want with a 10% penalty.
After age 65, there is no tax other than standard income tax on money taken out.
Hence, the cap is 3000 for an individual and 6000 for family.
I'm an insurance agent that specializes in HSA plans btw.
Uncapping the contribution limit does not help anyone other than people making huge incomes in capital gains that need a tax avoidance vehicle. You can trade stocks, bonds, ect, inside the accounts tax free.
The reason the standard annual contribution is so low with HSA accounts, is that most people only put in what they spend and they keep their account equal to their deductible, or equal to the penalty limit of the account, generally 3000 dollars and replenish it as used.
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mcc
April 12, 2010 1:15 PM in reply to FreeRider
The question that fascinates me is whether she actually thinks she lives in a world where anyone can just save $20000, or if she knows there are people who can't do that and just doesn't care about them.
Looking around-- so apparently the average contribution to an HSA for low-income households is about $1370/year. At that rate it's going to take you about 15 years to get to $20,000, assuming you NEVER draw from the HSA during that time. Oh, and I assume those numbers are for someone who's got an HSA plan through their employer. The health care bill that just passed was basically all about bringing health insurance to people outside the employer insurance system. Is it even *possible* for someone buying insurance as an individual to make pretax contributions to an HSA?
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mcc
April 12, 2010 1:17 PM in reply to mcc
...actually I think Matt Jones nailed it.
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Steve LaBonne
April 12, 2010 1:28 PM in reply to mcc
Inequality and social immobility in this country have progressed to the point where we effectively have a caste system. The members of the privileged castes truly don't have any idea how the peasants live. Recall Bush I and the supermarket scanner.
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BrookJolley
April 12, 2010 5:21 PM in reply to mcc
Yes, it is possible for individual to contribute to HSA account and avoid taxes, but rather than putting in pre-tax out of their check they actually deposit it then it goes on as a deduction.
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mcc
April 12, 2010 7:47 PM in reply to BrookJolley
Interesting, thanks for explaining.
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Ann Arbor
April 12, 2010 1:24 PM in reply to FreeRider
Like Steve Martin on how to make $1 million and not pay any taxes:
First, make a million bucks. Then...
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Powkat
April 12, 2010 12:54 PM
Yeah, $20 K - that's just pocket change, right? No big deal. Docs will make deals, tho - I've had a couple of them drop total payment amounts if I would pay every month without being billed monthly. A few hundred dollars made a difference to me.
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ericf
April 12, 2010 12:58 PM
She's either never had a medical problem, or never been without a cadillac plan for health insurance. Or both.
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traitorjoe
April 12, 2010 12:59 PM
Brilliant suggestions. Please forward these to the RNC so all candidates on the Right can implement them into their platforms and speeches.
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jsdc007
April 12, 2010 1:02 PM
And I'll give you $100 for that rug in your office, Dr. Ali Baba.
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traitorjoe
April 12, 2010 1:04 PM in reply to jsdc007
I'll give you $200 if the rug fits Haley Barbour's head.
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mastershake1
April 12, 2010 1:05 PM
So basically this woman said that the GOP wants to do away with any and all health insurance, and make people pay the full cost of health care.
Reid's people need to make an ad out of this, ASAP.
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Richardxx
April 12, 2010 4:08 PM in reply to mastershake1
Yeah. Eliminate all health insurance. Make everyone pay cash.
That would take two-thirds or more of the money out of the health care system. All reimbursement that is today preplanned would disappear. There would leave only the very wealthy getting adequate health care, and everyone else trying to pay on an emergency basis after they got sick or with whatever money they had when the other bills were paid.
Yeah, prices would drop, but how many health care providers would go out of business?
It would devastate the entire health care sector and be bad for the general economy. Even for the wealthy twits like this woman.
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loria
April 12, 2010 5:36 PM in reply to Richardxx
Plus, how many doctors could really stay in business if they were dealing with cash/credit paying customers. They can only drop the price the charge so far, and, in reality, if they drop cancer treatment from $1 million to $500,000 (or $100,000 for that matter)most of us are still screwed.
What a solution. By all means, people of Nevada, you have found a brilliant woman who will work for you. Then again, maybe not.
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theodicey
April 12, 2010 1:05 PM
Since they've already stopped using cash, the state of Nevada must be just like that nuclear wasteland in Six String Samurai.
I'll give you 5 chickens, a shotgun and a woman of child-bearin' age for my appendectomy, doc. And that's my final offer!
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jsdc007
April 12, 2010 1:08 PM
Well, this bimbo who is actually the front runner against Reid has just presented Reid with a much needed political gift. Reid would have to be an idiot not to take this and run with it.
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Sailormarlowe
April 12, 2010 1:11 PM
Sweet Sue making good sense. Pay cash, or paint doc's house, avoid all the extra charges from rip-off pathology labs and all the co-pay nonsense. This lady needs to be in the US Senate. Sue, Sue, we want you! Harry Reid, we don't need.
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Russell
April 12, 2010 2:41 PM in reply to Sailormarlowe
You're stupid! Go take a video cam to your doctor and try to haggle with him or offer him chickens! Loser!
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The Commenter Formerly Known as NCSteve
April 12, 2010 2:54 PM in reply to Sailormarlowe
Okay, 'fess up. What name do you use here when you just want to comment rather than engaging in brilliant parody of rightwing idiocy? And how much longer does your NEA grant for raising trollery to the level of performance art last?
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Xantar
April 12, 2010 4:24 PM in reply to The Commenter Formerly Known as NCSteve
My money is on FreeRider. Ain't no way you're convincing me otherwise.
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davcbr
April 12, 2010 3:47 PM in reply to Sailormarlowe
How many times is the doc going to want his house painted? After that, what do you have that he does want? Note that this is also a program to drive doctors into poverty.
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gilreathm
April 12, 2010 9:29 PM in reply to Sailormarlowe
I take it that you are never sick enough to need a doctor and you don't have insurance. Even if you do. Don't get sick and don't get injured. Because if you do, then you won't.
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chimpale
April 12, 2010 1:12 PM
How much would you recommend we save for, say, an organ transplant or chemo?
Just trying to plan ahead here, Sue.
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Leon Kowalski
April 12, 2010 3:53 PM in reply to chimpale
Suggest two hundred oxen, minimum:
http://www.youtube.com/watch?v=9v_IYA99iL0
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Pete Bilderback
April 12, 2010 1:13 PM
Bartering? So I'm supposed to bring in some of my hen's eggs when I go to the doctor? Or if I need my appendix out maybe I could see if my doctor will trade for one of my goats. It's this kind of outside the box thinking that will put the Republican Party back on top.
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traitorjoe
April 12, 2010 1:16 PM
Since she's in Vegas, perhaps Sue consulted with Rachel Uchitel and Jamie Jungers on this fantastic idea.
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tinsk
April 12, 2010 1:19 PM
Wow Doc... that much to remove my brain tumor? Well.. how much would it be if you remove just half of it?
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Barfood
April 12, 2010 1:22 PM
And I gots me a hankerin' fer one o' them fancy white doctorin' coats fer the missus....
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An Outhouse
April 12, 2010 1:22 PM
I barter all the time with my neighbors. Mostly because I live in a very red, reactionary area where you can't trust 'em as far as you can throw them. It s no use expecting them to pay for something, you have to take whatever you can as soon as possible.
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Walter Mitty
April 12, 2010 1:31 PM
Offer them sex!
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bibimimi
April 12, 2010 2:51 PM in reply to Walter Mitty
The Nevada Plan! That isn't a Plan!
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lousgirl84
April 12, 2010 6:24 PM in reply to Walter Mitty
With a horse
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Turnaround
April 12, 2010 9:20 PM in reply to Walter Mitty
In an S&M outfit
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Alex
April 12, 2010 1:32 PM
On top of this, she doesn't seem to know the difference between the word "barter" and "bargain." She clearly means the latter.
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libdevil
April 12, 2010 3:04 PM in reply to Alex
Hmm... I can't trade a chicken for an appendectomy because I don't raise chickens. If only we had some way of representing the value of goods and services that could be easily exchanged...
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tinsk
April 12, 2010 1:32 PM
I'm all for adopting a waiver for the mandate. That is, if we also adopt at the same time a required Health Insurance Opt Out check box on all drivers licenses. Those who choose to not accept personal financial responsibility for their health needs, MUST have that box checked on their drivers licenses.
The check box would read:
Health Insurance Opt Out - In the event of injury and/or illness, I understand that first responders, hospitals and all other heath care personnel are not obligated to render aid without payment in advance and are hereby authorized to let me die.
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bibimimi
April 12, 2010 2:55 PM in reply to tinsk
Police and fire opt-out provision on tax forms from now on, too. Stock up on ammo and fire extinguishers now reduced at WalMart.
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lousgirl84
April 12, 2010 6:21 PM in reply to tinsk
I like that a lot actually. Great idea....
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AhTrini1
April 12, 2010 1:36 PM
I would like to know how the god party, FAUX news beckians took in that piece of information.
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minnesconsin
April 12, 2010 1:36 PM
And when we can't afford bread, Sue suggests that we can eat cake.
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Matt Jones
April 12, 2010 1:50 PM
She doesn't quite get the full conservative points here - her followup recommendation for people who don't have $20k in their HSA wasn't "try prayer". :)
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twirling fartknocker
April 12, 2010 2:10 PM
How much health care can I get with the 2 goats and a large block of cheese I have for trade?
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Leon Kowalski
April 12, 2010 4:00 PM in reply to twirling fartknocker
Don't barter away renewable income sources like goats...
... better to pimp 'em out to NY's bagger candidate for gov.
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jax42
April 12, 2010 2:10 PM
Did anyone else notice the audience to empty seat ratio? It appears that it is reflective of what is in her head and hopefully what her voter turnout will be.
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bibimimi
April 12, 2010 2:26 PM
Fembot!!!
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biff diggerence
April 12, 2010 2:28 PM
I think I will barter with my doctor.
But only with Mrs. Lowden's vagina.
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lousgirl84
April 12, 2010 6:22 PM in reply to biff diggerence
I am sure he would turn it down.... .eeeewww
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Snig
April 12, 2010 2:29 PM
Bizarrely there's an existing system for effectively haggling with doctors. They're called insurance companies. They convince a bunch of docs that it's in their best interest to take less money for more business, or they'll go down the road and offer it to a different practice who decides to become their bitch. And the insurance companies then take all the money saved by this, and gives it to their shareholders and executives for hookers and blow. However, without mandates, they'll only enroll patients who are easy money to be patients, the rest will be killed by the invisible hand of the market.
I wish she would at least have to spend one day with someone in severe pain who can't afford health care. Not wishing the pain on her, just wish she had to watch for a day one of the millions stuck in this situation.
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nowhereman
April 12, 2010 2:30 PM
Sue has a health care poll on her candidate website.
Just sayin',
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bibimimi
April 12, 2010 2:34 PM
"Haggle"?
Is Sue ignorant enough to believe the cost of ANY medical procedure is negotiable? Every utterance digs her in deeper and deeper. I really relish voting against this doorstop.
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George C
April 12, 2010 2:50 PM in reply to bibimimi
No, I don't think she was saying that. I think she was saying that if you offer cash to the doctor, they may be willing to accept a lower amount rather than deal with the insurance company. Unfortunately, that's equally stupid. The insurance companies pay a certain amount for a procedure, whether they pay it to the doctor or to the patient. If the patient pays the doctor, the insurance company will simply pay the designated amount to the patient. If said patient has already paid the doctor more in cash, that is not a fact which will weigh heavily on the insurance company. Under either scenario, the likelihood that the doctor will take less money rather than more money isn't terribly high.
The Repubs have, however, found an attractive set of women to run in these races. Given the responses to Palin and Bachmann, that's probably a good plan.
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jsdc007
April 12, 2010 4:15 PM in reply to George C
Which doctor is willing to accept a lower price on his/her fees? Does she live on a different planet? Doctor's aren't used car salesmen, or rug merchants. Harry Reid should just demolish this woman.
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SqueakyRat
April 13, 2010 6:23 PM in reply to George C
Doctor: On the soul of my mother, though my affection for you is unlimited, my friend, I cannot perform an appendectomy on your boy for less than $20,000.
Patient: O dearly respected one, I only thank God that I have acquaintance with a physician of such honor, who understands the difficulties faced by the poorest servants of God. I beg you to consider the merit you will gain in heaven if you should find it in your heart to accept my 1976 Ford Pinto as payment for this charitable service. It has never burned and its transmission may be possible to replace.
Doctor: Your Pinto, magnificent though it must be, may not entirely suit my needs. However, I have noticed that your eldest daughter deserves the praise of the most mellifluous poets. Perhaps she might find an advantageous position within my humble household. Then I believe the honor of my ancestors might permit me to reduce my fee to $10,000.
Patient: God has indeed blessed me with the greatness of your compassion. But I must confess with shame that $10,000 is a sum still far beyond my miserable means. Perhaps your ancestors might find my Pinto sufficient payment for your inestimable services if my daughter were added to it as a gesture of my personal gratitude for your kindness.
Doctor: I could not help but notice that the remainder of your family -- wife, sons, daughters and animals -- has hauled your vegetable cart into my parking lot. Do you think our amicable agreement could also include the filling of the Pinto with a selection of produce to the level of the windshield? No more than a trifle to you, my friend, but, together with your daughter's agreeable presence in my household, I feel I might honorably forgo my cash fee in this special case.
Patient: Praise be to God.
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SqueakyRat
April 13, 2010 6:26 PM in reply to George C
Doctor: On the soul of my mother, though my affection for you is unlimited, my friend, I cannot perform an appendectomy on your boy for less than $20,000.
Patient: O dearly respected one, I only thank God that I have acquaintance with a physician of such honor, who understands the difficulties faced by the poorest servants of God. I beg you to consider the merit you will gain in heaven if you should find it in your heart to accept my 1976 Ford Pinto as payment for this charitable service. It has never burned and its transmission may be possible to replace.
Doctor: Your Pinto, magnificent though it must be, may not entirely suit my needs. However, I have noticed that your eldest daughter deserves the praise of the most mellifluous poets. Perhaps she might find an advantageous position within my humble household. Then I believe the honor of my ancestors might permit me to reduce my fee to $10,000.
Patient: God has indeed blessed me with the greatness of your compassion. But I must confess with shame that $10,000 is a sum still far beyond my miserable means. Perhaps your ancestors might find my Pinto sufficient payment for your inestimable services if my daughter were added to it as a gesture of my personal gratitude for your kindness.
Doctor: I could not help but notice that the remainder of your family -- wife, sons, daughters and animals -- has hauled your vegetable cart into my parking lot. Do you think our amicable agreement could also include the filling of the Pinto with a selection of produce to the level of the windshield? No more than a trifle to you, my friend, but, together with your daughter's agreeable presence in my household, I feel I might honorably forgo my cash fee in this special case.
Patient: Praise be to God.
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SqueakyRat
April 13, 2010 6:28 PM in reply to SqueakyRat
Sorry about the double.
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sam_bolini
April 12, 2010 2:43 PM
I hate to disappoint all of you TPM naysayers but I can attest that bartering with health care providers works.
Why last fall I was told that I needed a heart valve replaced. After a little "haggling" my surgeon and I agreed to a "barter." He performed the valve replacement in exchange to three goats and a pig. Additionally, some more "haggling" he agreed to use one of the heart valves from the pig as my replacement valve.
To top it all off, a few eeeks after the operation he and I got our families together for a fine and dandy ole fashioned pig roast. "Use everything but the squeal" is my doc's motto.
So Ms. Lowden, we're WAY ahead of you.
The only hitch is that next week I see my urologist. I'm dreading that "haggleing" / "bartering" session!
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markslp
April 12, 2010 2:45 PM in reply to sam_bolini
If you bring a horse to your urologist, perhaps you'll end up hung like one!
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WaitWut?
April 12, 2010 2:44 PM
Why the hell are these people so friggin DUMB? It gives me a headache and makes me dream of euthanasia, internment camps and selective breeding.
Stupid, blonde, Stepford wife. I wonder if she got the barter idea from sex with her husband.
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Wisco
April 12, 2010 2:48 PM
It's hard to think of anything to say, other than wow... That's incredibly stupid.
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marvyt
April 12, 2010 2:59 PM
As some politician said a couple months ago: Any system that relies on the sheep negotiating with the wolves is doomed to failure.
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manyamile
April 12, 2010 2:59 PM
Bartering with your doctor or doctor's office is really quite a simple process.
1. You propose an exchange.
2. they refuse
The process is completed as follows:
they roll their eyes and /or give you a tight smile and look past you, ready for the next patient.
you nod and glance down at the floor.
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Tony C
April 12, 2010 3:04 PM
Hold on now, maybe Mrs. Lowden is on to something here, maybe she has bartered successfully with her doctor. Perhaps free gyno exams in the broom closet or free mamograms at a cheap hotel with a few of said doctor's colleagues. Second opinions and all.
What I do know is a couple of times I felt like I should have gotten paid after coughing more than a few times.
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davcbr
April 12, 2010 3:57 PM in reply to Tony C
A major problem here is that we are getting to the point where most new doctors are women. I won't go into any comparisons of sexual appetite, but I have found over the years that few are willing to pay for what they can easily get for free or better.
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nowhereman
April 12, 2010 3:09 PM
The more I read about her, the more I want her to run. Seems, ahem, allegedly, she was hot for McToast in 08 and tried to 'influence' the NV Repub party's delegate to the National Convention vote. Sweet. She and her husband are worth tens of millions and Sue was a news anchor, beauty queen, elem teacher, philanthropist and state party chair. Wow. How's that for a modern conservative woman's resume? Classic.
She did all the right things for or rather to, the right people at the right time to be a leader of the right. I wonder if she has any kind of inner life at all...or if she is just something like the shell of a human being. Cuz, if that's true and she got that way from chasing her version of the American Dream, I could understand why she would think bartering/haggling with doctors is just hunky-dory, you betcha.
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Aksh486
April 12, 2010 3:15 PM
Sue Lowden: the Sarah Palin of Nevada.
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Michael A
April 12, 2010 3:41 PM in reply to Aksh486
Yep. She has that milf look just like rambo. That must be the new repuke strategy to get all the old white guys riled up and out of their nursing homes to vote. Nominate a milf that never did an honest day's work in her life and lived off her husband who can write soundbites on the palm of her hand and spew them ad nauseum and with no brains and you got yourselves a senator. Unbelievable. Thank God the repuke base is dying off. In about 10 years they will be down to 10 percent of the voting population max.
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ScrewBush
April 12, 2010 3:21 PM
You're going to have to haggle with more than your doctor. If you go to the ER be prepared to haggle with all of the following, oh and this is while trying to recover from what ever in the Hell put you in the ER in the first place! You will be sick and it will be your responsiblity to haggle.
1. HOSPITAL, have fun haggling with them.
2. Your primary care physician.
3. Additional physicans and professional staff called for an opinion.
4. Radiology company, may not be part of hospital
5. the LAB, usually not part of hospital
6. Let's not forget the PHARMACY! Where the haggling is ongoing.
7. Physical Therapist
8. And many, many, many more !!!
Btw, I have a mortgage, no costly vices, never take a vacation, never buy anything new, and we have a total of $3,000.00 in savings.
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tchamp77
April 12, 2010 7:26 PM in reply to ScrewBush
It's hard to haggle when you're in pain. Your doctor has time on his/her side. If I were her opponent, I would cut an ad where the patient is on the operating table offering to give the doctor his watch for complete removal of his tumor.
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Viva!America!
April 12, 2010 3:35 PM
How about referrals? Up to $1,000 off your own bill for every patient you refer. Incurable or long-term illnesses get an even bigger discount.
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LeaningLeft
April 12, 2010 3:37 PM
OK. She obviously meant "bargain." It's just scary that she didn't catch her slip of the tongue after about the 4th time she said it.
Unfortunately, I have to agree with her that putting a cap on HSA/FSA accounts isn't good. I think it is a good tool for middle and lower income families. Granted, $20,000 is ridiculous. The average that people put in is still lower than the cap, but the average family doesn't have chronic issues and big events like pregnancy to deal with every year. This year, my wife and I put in more than what the cap is getting set to because we knew she would deliver a baby this year and we'd eat through our deductible. Next year, we’ll probably be closer to the national average. I also know at least one person who puts in more than the current cap every year because his son has a chronic condition that costs them a lot in prescriptions. We are both middle income people. I think this provision will hurt mostly middle and lower income people who currently use it wisely.
But, I guess if that's my only complaint with the new law, I'll take it.
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LeaningLeft
April 12, 2010 3:51 PM in reply to LeaningLeft
To correct myself, I think the new law caps FSA's and not HSA's. HSA's are already capped.
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davcbr
April 12, 2010 4:06 PM in reply to LeaningLeft
It would all be irrelevent if there was no 7.5% removed from your expense list on your med deductions. If they were all deductable, you would not need these accounts which are a boon to those companies that offer them. About 15% of the money doesn't get used, and thus goes to your employer. Besides this, just why is it that only people that work for certain employers can take med expenses off the top without needing that 7.5% some poor guy has to contend with?
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LeaningLeft
April 12, 2010 4:27 PM in reply to davcbr
Oh, I agree. There are problems with this part of the system. But, I don't think any of those problems were solved by the current law. I think they actually made this portion of the whole thing a little worse.
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mw390
April 12, 2010 3:40 PM
If you dont use the money in your HSA that year the employer gets the money back. You can't "bank" it
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LeaningLeft
April 12, 2010 3:47 PM in reply to mw390
Actually, you're referring to an FSA. An FSA (Flexible Spending Account) is provided through employers and you forfeit any unused money. An HSA (Health Savings Account) is for people who have private High Deductible Heath Plans. It works similar to an FSA except you can invest HSA money in the same instruments as in an IRA (although why anyone would put it in the stock market as opposed to a money market account is beyond me) and HSA money rolls over each year.
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tchamp77
April 13, 2010 2:51 PM in reply to LeaningLeft
I have a good reason: Global stock portfolios were up 40-100% in 2009 vs. 1% for money market funds. Now you'll tell me, yes, but the market can also go down, right?
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slb
April 13, 2010 6:17 PM in reply to tchamp77
But of course, that only goes to show that the real reason that anyone puts large amounts of money into these things and invests the funds in the stock market is to shelter capital gains from taxes, not actually to save for health expenses.
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Max Thrax
April 12, 2010 3:40 PM
Yeah, that'll be real interesting at the roulette table when a hillbilly tries to put a chicken on red.
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FreemanW
April 12, 2010 3:42 PM
Dear Doctor Bud Duck,
I will give you a two hour session with my best, youngest, Ewe (Genuine Virgin Wool) in exchange for my annual prostate exam.
This Ewe's for Bud!
Sincerely,
Carl Paladino
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GTFOOH
April 12, 2010 3:52 PM
Wonder if that Urologist in Florida will trade a box of tea for a penile exam?
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we r all husseins
April 12, 2010 3:59 PM
What a typical Republican solution. Have people put money they don't have into an account that doesn't exist. It's brilliant!
And the best part is, it saves government "of the people and by the people" from having to do anything "for the people"!
Stupid cow.
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jeffs
April 12, 2010 4:09 PM
I will gladly pay you Tuesday for a heart valve replacement today.
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jsdc007
April 12, 2010 4:11 PM
Oh wow!
She didn't mean barter. She meant "haggle."
That really changes everything!
So I'll go in and haggle with my doctor over the price of a CT Scan. "Doctor, I'll pay you $50 and no more. Take it or leave it."
Its hard to believe, but this airhead makes Sarah Palin look smart.
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The Commenter Formerly Known as NCSteve
April 12, 2010 4:42 PM
It just occured to me that Republicans' idea of utopia looks a lot like a Mad Max movie. No government, desertification, lots and lots of guns and violence, and, of course, barter. Innovative alternative dispute resolution methods rather than courts of law.
So what's the going rate for a Botox injection in Bartertown, out there in the middle of your government-free desert paradise, dear?
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bibimimi
April 12, 2010 4:52 PM
"Heal Or No Heal'
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PlanMeister
April 12, 2010 4:56 PM
Since she said "barter" and not "haggle" or "bargain" (as a verb)-- let's take her at her word.
And then, let's ask the IRS how they feel about "barter" as an economic policy.
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jfields
April 12, 2010 5:08 PM
It's amazing how easy it is to solve public policy issues if you just assume everyone makes $200k a year. Turns even under-educated, over-moneyed bitches like this into veritable policy GENIUSES.
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The Commenter Formerly Known as NCSteve
April 12, 2010 5:12 PM in reply to jfields
That's why they were so unprepared for, and later disdainful of, all those people who got trapped in the King Dome during Katrina. I mean, they knew the storm was coming. Why didn't those people just toss some bottled water into their SUV's and motor up to their house in the mountains until the storm blew over?
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BrewhouseBob
April 12, 2010 5:13 PM
This speaks volumes about Harry "No Balls" Reid - that such an idiot would be ahead of the incumbent Senate leader in the pols. Throughout the Bush years I kept hoping that the good people of Nevada would not send old Harry back to Washington... be careful what you hope for.
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lousgirl84
April 12, 2010 6:33 PM in reply to BrewhouseBob
Blah Blah Blah. Just because he's quiet and isn't a rabble rouser doesn't mean he's a weakling. I think he's done a pretty decent job so far.
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henk
April 12, 2010 5:19 PM
I don't think anyone should be so quick to jump on the Bargain not Barter BS. They are in Nevada after all and she's not bad looking. "I'm sure we could think of something, now couldn't we doctor?"
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personalrob1
April 12, 2010 5:34 PM
But garsh, she's so dadburned purty like Sarah Palin and Michelle Bachman, I'm just gonna vote fer her anyway. Nice clean lady...
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personalrob1
April 12, 2010 5:41 PM
She was President of Santa Fe Hotel and Casino. She is a former Executive Vice President of Sahara Hotel and Casino.
She could have proposed a life saving surgery jackpot in return for beating the house at blackjack
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ejg3
April 12, 2010 5:42 PM
Consider what Nevada's other Senator (Ensign the Republican) has done in business arrangements her proposition seems to echo a rather ancient business that is legal in all but three of Nevada's counties. Might even be a new use of Joe Biden's BFD line.
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JoshQuasimoto
April 12, 2010 5:57 PM
This is absurd. Who has 20,000 dollars to put away for a medical saving account. And I thought my company subsidized insurance was bad when I was paying around 3k a year.
Harry can wait to get out infront of this republican, I can just see the commercials. Sue Lowden tells the taxpayers out there that they should haggle with their doctors, that they should put away 20k for a medical savings account, I am not sure if Sue Lowden has actually taken a look at the people or the state of Nevada. There are tens of thousands of Nevadians who have lost there homes to foreclosures, thousands who have declared bankruptcy, thousands who have struggled through the recession which started in 2006 and yet this is her answer to healthcare security. I think Sue Lowden's next pitch might be that everyone should go out and plant one of the "money" tree thingy's. I think Sue Lowden needs to go out and meet the people of Nevada, not just the people who can afford to put away 20,000 dollars just to secure safe affordable healthcare.
By the way, what is the savings rate for Americans from 2000 to 2010? Well in 2000 it was 3.5% but ended up falling below 1% many times between this period before trending higher in 2009 to 4.2%. The median income in 2007 according to wiki was approximately 50k, which means that even at 4.2% that only represents about $2100. Aren't we supposed to put away for retirement in our 401K or IRA? Maybe my math isn't right but her numbers are so wrong and out of touch on so many levels it is just insulting.
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fla_kracker
April 12, 2010 6:04 PM
Cash,most doctors and hospitals won't take you without insurance Dumb lady listen, they charge you more if you have cash . Obviously this bimbo has never been with out insurance a day in her life
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jsdc007
April 12, 2010 6:09 PM
If Harry Reid can't beat this nitwit now, there are one of two things at play: (1) Harry Reid has lost his mojo; (2) the voters in Nevada are brain-dead.
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acf_ma
April 12, 2010 6:12 PM
That's right, pay the doctor off with a layer, or a dozen eggs. Actually, I understand the concept of the barter system as a way of obtaining goods and services in the absence of cash, but I don't see how it would ever work in the corporate world of health. Can you just see someone trying to barter with CVS for drugs, or Mass General Hospital (a for profit hospital) for an MRI?
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acf_ma
April 12, 2010 6:28 PM in reply to acf_ma
For those patients in small towns, dealing with just the local GP, it might work out, and I wouldn't discount the practice completely, but as any kind of a solution for what ails our health care system, it's no substitute for the recently passed reform bill.
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lousgirl84
April 12, 2010 6:15 PM
I;m goin out on a limb here. I predict Harry Reid will win his seat. This woman is a fricking crackpot (and I am being kind) just like the rest of her party. Harry has been in trouble in Nevada every election and every election he manages to win. My money is on Harry.
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Duck Stab
April 12, 2010 7:48 PM in reply to lousgirl84
I'll bet $20,000!
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mans_best_friend
April 12, 2010 6:19 PM
My doctor is so busy he's stopped taking new patients. I'm sure I've got lots of leverage with him. On the other hand, I know of a doctor not too far away that's got lots of openings now that his license revocation hearing is over. I'll bet I can bargain his prices down.
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mcc
April 12, 2010 7:44 PM in reply to mans_best_friend
On the other hand, I know of a doctor not too far away that's got lots of openings now that his license revocation hearing is over. I'll bet I can bargain his prices down.
THE INVISIBLE HAND AT WORK
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Ination
April 12, 2010 6:24 PM
It's a good thing I'm a Trillionaire.
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barrelhse
April 12, 2010 6:27 PM
Is the photo from an ad she did? I can nearly hear the birds singing. Massengil, was it?
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we r all husseins
April 12, 2010 7:30 PM in reply to barrelhse
Activiaaaaaa !!!!!
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MT from CC
April 12, 2010 6:51 PM
When I see my doctor, he charges $500 for a complete physical, but the price drops $100 (to $400) if I include a digital rectal exam in the physical, and another $50 if I include a "testicular" cough test. (PS - He also offers absolution at the end of the exam . . . you figure it out). The question is this: Is that they type of ?barter" or "haggling" she is talking about? Or should I just find a new doctor who does not base the pricing of his medical examinations on whether male patients allow him to insert his finger into their asses, or to fondle their balls while coughing?
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larmar
April 12, 2010 7:00 PM
Sue, I tried bartering with my doctor as you suggested and he flatly said, "NO." So I pushed some more on his prices and my doctor said he would no longer treat me.
Now what Sue??
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Battleborn
April 13, 2010 12:49 PM in reply to larmar
Yeah, your idea of barter was GIVE ME YOUR SERVICES FOR FREE...and, what ya know, he told you no.... duhhhh!!!
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sammy baby
April 12, 2010 7:01 PM
"The Lowden campaign sent us a comment statement from the candidate. From the look of her explanation, it appears that she may have confused her vocabulary, using the word "barter" when she should have said "haggle," judging from her discussion here about doctors accepting a lower payment if offered in cash. "
Oh, well that clears everything up.
*head-desk*
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slb
April 12, 2010 7:06 PM
Hey, you know, this might just work in Virginia. Our state theater is "The Barter Theatre," started during the Depression by an out-of-work actor who returned home from New York City and had the idea that allowing farmers to trade produce for an evening's entertainment might not be a bad idea. The actors would get something to eat, and the farmers could get something in return for produce they couldn't sell.
Of course, the Barter Theatre didn't allow the price to be negotiated down. You could either pay cash for your ticket, or the equivalent amount in produce. Four out of five patrons in the early days paid in produce.
Somehow I think doctors might not be so wild about this idea, though.
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geofu54
April 12, 2010 8:01 PM
Wow is all I can say. Wow.
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Donald Berghuis
April 12, 2010 9:13 PM
In the past two years, I have had three eye operations, a blood clot removal due to Deep Vein Thrombosis , a hernia operation, suture of an eyelid to prevent eyelid droop which otherwise would have resulted in cornea damage due to dry eye, foot care on an every three month basis due to a chronic toe infection, and I will be going in for an angiogram and possible angioplasty in the next few weeks. Then there is my twice yearly dental exam and care.
what exactly am I , at 77 years of age ,to offer these doctors and hospitals in barter---and they wouldn't be seeing me again if I tried to haggle with them. I suppose barter might have worked in a frontier society in which the doctor got all sorts of things from his patients in exchange for medical care. Not in our busy highly commercialized society of today
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gilreathm
April 12, 2010 10:00 PM
The lady is out of her over privileged mind. I doubt she has a friend would find it impossible to tuck away $20,000 into a HSA. I have lots of friends who would find it impossible to tuck away $20,000 into an HSA or any other kind of account. Hell, for that matter I can't do it myself. She sounds like she'd be really good friends with Marie Antoinette.
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bluestatedon
April 13, 2010 12:20 AM
This woman is a fucking dimbulb.
Which means she'll be a perfect fit for the GOP Senate caucus.
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psyclone
April 13, 2010 1:06 AM
"This may come as a surprise for Harry Reid, but many doctors are also small business owners, and they have their own bills to pay.
And this may come as a surprise to Sue Lowden, but the notion that people should just pay off their medical bills with credit cards and their life savings doesn't constitute "health care reform".
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Battleborn
April 13, 2010 12:54 PM in reply to psyclone
Another example of not having A SINGLE CLUE on how a health savings account works. They are outstanding programs and should be opened to all.....
Do just the simplest amount of research and quit showing your ignorance..
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nimbleswitch
April 13, 2010 8:27 AM
"Barter?" Does she mean "bargain"? Or "haggle"? Doesn't "barter" mean to trade goods or services instead of using cash? What's she talking about here? What is she advising that women trade for medical services?
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DanielFBoone
April 13, 2010 3:03 PM
I just called my mother's surgeon to see how many chickens he'd take in exchange for her hip replacement surgery. His office manager said unless my last name was Tyson he wasn't interested.
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Just Joan
April 14, 2010 9:46 AM
Let's assume that Lowden means "bargain" instead of "barter," (and this mistake itself is telling). Recently, my 16 year old daughter spent days in the ICU and brain-trauma unit of our local hospital, and then weeks in a brain-trauma rehab center. This was followed by months of outpatient therapy. By my count, nearly 200 people and twenty separate businesses (labs, radiology services, etc.)contributed to her care and recovery. This doesn't count the support and administrative staffs associated with those medical professionals. We were fortunate enough to have decent health insurance, but the bills came for a full year after her accident. I found myself saying something I had never imagined I would ever say to our insurance case clerk: "I don't think we'll hit $1 million, but it'll be close." Our out of pocket costs were in the tens of thousands of dollars for the hospital stay alone. Rehab more than doubled those charges.
What I'd like to know is when one should begin the haggling process. "Wait, before you put my child on that ventilator--will you take $2000 less than rack-rate? Otherwise, we'll have to consider..." Wait. What is the option here?
I sincerely hope Ms. Lowden never has to sit in a tiny ICU hospital room for days, begging her child to wake up and hoping that when those priceless eyes open that child is able to speak, walk, recognize a parent or a sibling. Haggle that.
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hychka
April 20, 2010 10:00 PM
Is Lowden suggesting that people pay the Dr bill with sex? She is from NV where that sort of thing is legal.
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RocketEngineer
April 24, 2010 12:08 AM in reply to hychka
And should we start by discussing gynecologist's fees?
Hey guys! What will you trade to your proctologist?
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ragtimepiano
April 21, 2010 10:22 PM
Nevada leads the nation in low-info voters and is ranked in the bottom states in education. Gibbons, Ensign, Heller and Lowden reflect those facts and that constituency.
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ericAZ
April 23, 2010 6:57 PM
Chicken feed, chicken shit and Nevada's unusual laws on legal personal services aside, the savings accounts are worth discussing.
If the unused money could be rolled over to the next year, they would be good. If you are forced to spend everything by the end of the year, they just add to demand and drive up the cost of health care.
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RocketEngineer
April 24, 2010 12:06 AM
What is it with Republican women? Are they all just so used to playing bimbo for their hubbies that they don't know any better?
Or are they all just bimbos (like their hubbies)?
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Tosh
June 6, 2010 6:04 AM
I'm all for adopting a waiver for the mandate. That is, if we also adopt at the same time a required Health Insurance Opt Out check box on all drivers licenses. Those who choose to not accept personal financial responsibility for their health needs, MUST have that box checked on their drivers licenses.
The check box would read:
Health Insurance Opt Out - In the event of injury and/or illness, I understand that first responders, hospitals and all other heath care personnel are not obligated to render aid without payment in advance and are hereby authorized to let me die.
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