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#471
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L,
We agree on that. -- Thomas Borchert (EDDH) |
#472
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Jules Beaudoin wrote: I never realized there were so many religion nuts in aviation. Amazing! I never realized there were so many atheist nuts in aviation. Amazing! |
#473
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Brian Burger wrote: Now, let's say a Libertarian Paradise breaks out. No more nasty govn't telling anyone they can't practice dentistry. Cool. BUT... how the heck does an insurance company know that someone is at least basically competent now? In fact, why bother to get insurance at all? Just pick up a fake insurance certificate at the nearest printer and hang it on your wall to reassure the s^Hu^Hc^Hk^He^Hr^Hs^h patients. There's no regulation that requires it to be *real*, is there? George Patterson A man who carries a cat by the tail learns something that can be learned no other way. |
#474
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In article .ca, Brian Burger
writes: Actually, what I wonder is what's in it for the *insurance companies* in this regulation-by-insurance scheme. They don't seem to gain anything by it except additional trouble. THey don't have to gain anything, it is a byproduct of their existing business interests. Let's stick with dentists for a bit, seeing as we got their insurance involved earlier in the thread. Currently, AFAIK, if you apply for dental malpractice insurance, and can't produce a gov't approved Dr of Dentistry certificate, the company is going to say, "Talk to us after you graduate, kid." Diplomas are issued by dental schools, not licensing boards. The insurance companies are perfectly capable of determining which schools produce dentists who do not generateexcessive malpractice claims. After all, the certificate shows at least basic competence in dentistry. I bet that most new dentists pay nearly the same insurance rates, and that those later go up/down depending on how much you use your insurance to protect yourself. YOu can get lower rates by having a clean record, but you can also lower rates by getting advanced training. Now, let's say a Libertarian Paradise breaks out. No more nasty govn't telling anyone they can't practice dentistry. Cool. BUT... how the heck does an insurance company know that someone is at least basically competent now? Requiring they have a diploma from a reputable school. The company now has to somehow test the competence of everyone who applies to get their dental practice covered, or risk going broke paying out malpractice claims. This means additional expense & complication for the insurance company. Why would any sane, minding-the-bottom-line company WANT this libertarian ideal to take root? The State licensing boards only test a dentist once, when he applies for the license, and never again unless he moves to a state which does not practice reciprocity. What if a dentist wants to change insurance companies? Sooner or later you'd wind up back at a universally accepted standard of training, and recognition of that with... wait for it... certificates/degrees etc in dentistry. Don't forget that most professional colleges, associations, etc started out as self-regulating bodies to maintain/improve the respectability of the profession. The AMA & co sought to reduce the number of quack doctors; more recently we've seen midwives, massage therapists & other para-medicals organize in their sectors. Actually the AMA and ADA are more about protecting their members interests than the publics. Which is how it should be. Ultimately, I think Libertarianism is based on economic & sociological theories that are just as flawed as those in Marxism... To drag this back on topic (sort of...) swap "pilot" or "aircraft designer" for "dentist" in my example above. And again, the insurance companies' standards are higher than the governments anyway in aviation just as in health care. -- Wm. Donald (Don) Tabor Jr., DDS PP-ASEL Chesapeake, VA - CPK, PVG |
#475
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In article k.net, L Smith
writes: So far, all I've seen from your argument is a claim that I don't need to be an expert in dentistry to tell if you're competent. However, I now need to become an insurance expert in order to determine whether or not the insurance you _claim_ to have has any validity. Do you know my dental license is not forged? Do you know what standards are required for maintaining a license? The insurance companies have a financial interest in insuring dentists who will not generate malpractice claims. The state licensing board has a financial interest only in there being a state licensing board again next year. Whose interests are most in parallel with yours? That is not to say that state licensing boards are evil, but they really don't serve a purpose that the insurance industry cannot fulfill just as well, at lower cost. Why do you assume the consumer is less able to make his own choices in health care and legal services providers than he is for auto repair? -- Wm. Donald (Don) Tabor Jr., DDS PP-ASEL Chesapeake, VA - CPK, PVG |
#476
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In article , "G.R. Patterson III"
writes: Wdtabor wrote: Well, would you vote LP if it meant that someone like Ron Paul would be replaced by someone like Chuck Schummer? Well, personally, I will vote for *anyone* running against Schumer that has a chance of winning. With the possible exception of Clinton (either one). Since I don't live in New York, however, I don't presently have that opportunity. That also means that I don't have to call him "my" senator. Yes, but the problem is that an LP party candidate can siphon off enough votes that would otherwise go to a "Ron Paul Republican" to allow a "Schumer Democrat" a win in a close race. I advocate, within the LP, that we only run candidates in races where we either have a real chance of winning, or no chance of changing the outcome. We should run someone against Ted Kennedy, who will surely be elected anyway, to introduce the public to LP ideas, but in the last two elections, we instead caused two senate seats to go to Dems that otherwise would have been GOP. The result has been a successful Kennedy led filibuster keeping Strict Constructionist appointees off the appeals courts, a perfect politcal example of carefully shooting ourselves in the foot. -- Wm. Donald (Don) Tabor Jr., DDS PP-ASEL Chesapeake, VA - CPK, PVG |
#477
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In article , "Ron Natalie"
writes: So, what goood does the license do that the private sector has not already done better? Will they issue you insurance without you showing a license? If not, then the insurance company is relying (partially) on a government function to weed out some of the undesirables. I would think educational credentials, like a DDS or DMD degree from a reputable dental school would be a good starting point. Certainly better than a license from the state. But you still haven't made a case that the insurance industry is providing any "better" service to anybody other than you. For a good example of how this could provide better service, look under your toaster. You will see the UL acceptance number. Underwriters Laboratory is supported by the product liability insurance business and by self insured manufacturers and sets generally accepted safety standards with no help from the government. Licensing of professionals provides very little in the way of safety, the real purpose of licensing is collusion with government for restraint of trade. -- Wm. Donald (Don) Tabor Jr., DDS PP-ASEL Chesapeake, VA - CPK, PVG |
#478
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For a good example of how this could provide better service, look under your toaster. You will see the UL acceptance number. Underwriters Laboratory is supported by the product liability insurance business and by self insured manufacturers and sets generally accepted safety standards with no help from the government. But every toaster (in a line) is the same. Not every patient is. Leaving it to the insurance companies or some other soulless entities may induce doctors and dentists to simply not take difficult cases, or cases where the outcome is less than certain. But those are the cases where you most need medical expertise. I suspect that a lot of the "wellness" stuff going on has to do with the fact that the doctor can make just as much money seeing well patients as sick ones, and there is less chance of copmlications and (thus) "consequences". There are unintended consequences to each method (licensing, insuance, marketplace) of regulation. It is simplistic to think that any one is "the answer" Jose -- (for Email, make the obvious changes in my address) |
#479
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In article , "G.R. Patterson III"
writes: Brian Burger wrote: Now, let's say a Libertarian Paradise breaks out. No more nasty govn't telling anyone they can't practice dentistry. Cool. BUT... how the heck does an insurance company know that someone is at least basically competent now? In fact, why bother to get insurance at all? Just pick up a fake insurance certificate at the nearest printer and hang it on your wall to reassure the s^Hu^Hc^Hk^He^Hr^Hs^h patients. There's no regulation that requires it to be *real*, is there? Umm, I buy that insurance so that if I make a mistake I do not lose my home, business and savings. Also, most dental insurance companies require that you be insured to do business with them, and they DO check your claimed coverage with the insurer. The point being that I need the insurance to do business anyway. Another problem solved by the private sector without any need for the boot of government on our necks. -- Wm. Donald (Don) Tabor Jr., DDS PP-ASEL Chesapeake, VA - CPK, PVG |
#480
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Brian Burger wrote:
Don't forget that most professional colleges, associations, etc started out as self-regulating bodies to maintain/improve the respectability of the profession. The AMA & co sought to reduce the number of quack doctors; more recently we've seen midwives, massage therapists & other para-medicals organize in their sectors. Actually, most organizations have their roots in the Guild system of the Middle Ages. And the sole purpose of the Guilds were to protect their members from unemployment. Not a member of the Guild? Sorry, you can't [fill in the blank]. |
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