How Insurance Works

What Happens to Health Insurance Employees Under Single Payer?

Let’s go instead to our caller from the 9
7 2 area code. Who’s calling from 9 7 to. By David is Daniel from Texas, Zoe Daniel,
what’s going on? I have a question for you. So I’m a big advocate of Medicare for all. Like many of your listeners and yourself,
one of the questions that come up from our friends and family is should it be included
in a Medicare for all option or whatever plan we come up with that we are including all
of the insurance employees as part of retraining or even bringing them onto a government ran
system? Or should it be included in the budgeting
for that or how would you picture that? A the Democratic Party, since they’ll be the
ones that end up pushing it through, how do you plan that they will do it versus how do
you think it should be done to incorporate all those people who lose their jobs? Well, here’s the thing. A lot of the people that work in the health
insurance industry don’t really need to be retrained in this. They’re going to need to find new jobs for
sure. But it’s not really the training piece that
they need help with. What I mean by that is so everyone who’s as
a service provider would just continue like if you’re a doctor, you stay a doctor. If you’re a nurse, you stay indoors. Okay. Executive level people, human resources people,
you know, all of these people that work at health insurance companies there, their skills
would still be in demand, as is at other companies. We would just need to find other companies
for them. So certainly that would be a piece of it. There’s really only a slice of healthcare
company employees that would really need retraining. I mean, OK, maybe you don’t need nearly as
many medical billing people and that’s a really specific narrow job that would be less relevant. You’ll still need some of them because remember,
single payer still involves billing. It’s just that there’s one payer. So I actually don’t know that retraining is
really the thing. I think it’s going to be more a jobs program
to figure out where are they going to go? Do they get involved in government infrastructure
programs? Do we transition them over to green energy? Stuff like that is a question. I don’t know that retraining is really the
issue. I agree and I agree with that. I just kind of wanted to set the stage there
for your thoughts on it. And do you think do you think that the numbers. Should be included in any budget. So we have debates or discussions about that
regarding the cost of that. Or do you see it already shown in those numbers? I don’t know the answer as to whether it’s
already in the numbers. I just simply don’t know. God, in my belief, because I want to be transparent
is. Yeah. If we think about what it’s going to cost
to do Medicare for all, I want to include in that. Whatever costs we are including to transition
a lot of the people that will lose their jobs over to Newt. I would include that. Now Republicans in bad faith would simply
say, oh, so it costs even more than you said, right. I mean so but so. So for political reasons, maybe it’s best
not to include it. But if I really want to holistically think
about what’s the total cost here, I would include the transition costs for how the government
will support healthcare company employees moving elsewhere. Great, thank you. Have a good one. All right. Appreciate the call. Thank you so much. OK. I don’t have time to take more calls today,
but I will take calls again. And I really appreciate everybody who called
in. Hope to hear from you very, very soon.

Reader Comments

  1. Hello, I'm a traveling Republican who is paid by anonymous sources to report on liberal activities. I welcome all types under the umbrella of humanity.

  2. The fact that we don't have a really good jobs program and a UBI is counter intuitive to an improving economy. Whenever we have advancements like Single Payer, automation advances, tax simplification, etc, jobs are removed as they aren't needed anymore. Since we don't have a good system in place to take care of people and actually promote getting rid of unnecessary jobs, we're stuck in the past.

  3. Why did Obama spend $65,000 flying in "cheese pizzas & hot dogs" to the White House for an "overnight party"?

  4. That's a great question! I'm a supporter of Medicare for all, however if it was implemented im sure i'll lose my job. I'd still say it's worth it. But it would be nice to know that if it's passed I could just transfer to a government job in the medical field.

  5. Hopefully, those in upper management and up will be tried and executed for crimes against the public.

    Those below that line can go work for the Department of Health or whatever.

  6. Under single payer, Im sure the ONE company would need to hire more qualified personnel as they take on all the new business.

  7. What happens to employees of ANY industry when it dies? Health insurance is an ill-conceived industry in the first place (all other forms of insurance are for "if" something happens, so it would make sense if it only applied to accidental injury, but chronic health problems are a whole other thing). And our system of employer contributions only makes a nonsensical thing even crazier. I don't know if 'health insurance employee' are in David Graeber's 'Bullshlt Jobs,' but it definitely should be. Hopefully we'll look back someday and marvel that such a thing even existed. Like 'Town Crier' or 'Milkman'.

  8. Depends on how it's structured. Many health insurance companies are also federal contractors processing Medicare claims as it is now. They would need to shift the focus of their business to only Medicare.

  9. Many industries decline or become obsolete & their employees have to go elsewhere; typewriters, coal miners, wagon wheel makers, etc . There will lots & lots of jobs, just a different employer.

  10. There's no question that it would be a chaotic shock wave until the country adjusts. I'm not without compassion for those who're anxious about the prospect.
    Disentangling a monolithic power structure such as the enormous health care syndicate can't possibly be done without pain.

    How many Americans are interested in the common good?

    Bug sacrifices would be made, if only in what we're accustomed to– if not major displacements in wealth and security.

    That's exactly why it's gone nowhere so far.

  11. What happens to buggy whip makers under cars?
    What happens to fax machine makers under email?
    What happens to film makers under digital cameras?
    Do I need to go on?

  12. We have health insurance right alongside single player here in Canada. It’s a nice option that can speed things up, if you want that option. And if you can’t afford it, you still get coverage for medically necessary treatments; ranging anywhere from removing a suspicious mole to emergency care and big, lifesaving treatments.

  13. Depends on how it’s structured. For now, I’d say they can go to other industries that can utilize their skills, just in a different field.

  14. Who cares what happens to them?

    What happened to pay phone technicians when cell phones came out?
    What happened to street lamp lighters before we got electricity?

  15. Real talk lemme just tell you that as a health insurance employee I would gladly sacrafice my job for a single payer system. Working internally for several health insurance companies has taught me how much stupid red tape and beurocracy keeps people from getting healthcare. I've seen some horrendous plans with extremely high deductibles and I've had to sit there and act like everything is cool. I've seen people lose their job and then have their insurance cancelled the day they have a procedure scheduled. Our system is cruel and umempathetic for no reason. Not to mention I get paid dirt and treated like crap and my health benefits are actually ironically really shitty. I'd gladly give that all up to not have to worry about going bankrupt from needing a doctor or a hospital.

  16. I have been in that industry in varying capacities since 1980 when I processed health claims to the current time where I bill bill insurance companies for a friend in private practice. The volume of claims will not decrease in fact it will probably increase as people seek medical care that they previously could not afford. Billers will still be needed but it will be faster and more efficient. Providers will spend less time with getting services authorized or disputing denials. Claims still need to be processed. Customer service still needs to be available to help patients and providers with questions. Tech support will still be needed. People who are currently performing these functions at insurance companies could transition to the Medicare system. Redundancies will be eliminated, processes will be more efficient and realistically there will probably be some reduction in the number of staff necessary to perform the functions of health coverage. But the majority of unnecessary employees will be at the executive and upper management level. I have ten years on the employer side in the administration of employee benefits and am very familiar with the financial and administration costs with providing health benefits to employees. Twelve years ago I did not support a single payer system because I remembered the inefficiencies and bumbling Medicare system of the 1980’s. But the reality is that the technical advances and standardization in the insurance industry is largely due to complying with Medicare requirements. There will be bumps in the road but the Medicare system is already in place. The challenge will be expanding the infrastructure and human/physical resources to handle the increased volume. There will be hiccups in the implementation but overall I believe it will be a great benefit to the American people. The executives of the insurance and pharmaceutical industries would disagree but then they don’t want to lose the huge financial advantages that they currently enjoy at the expense of the rest of us.

  17. So we have "free" education and "free" health care in Denmark. Payed for through taxes obviously. I'm not an millionaire for sure. But I do spend a lot of time thinking about this or that. Especially for music projects. Should I go with this $1500 guitar or bass. I need one of each.

    Then I watch some YouTube stuff and a guy says he got fired because of corona and they can't pay mortgage.That's horrible. But why is that? I get there is an emotional thing on top of that. But what I'm thinking is this. Could a child in the US die of starvation because of no money and just that? Surely a father would go to extremes in that situation. But if neither mom or dad could get to stealing, then death?

  18. The government isn't going to invent the infrastructure to manage single payor out of thin air. Just like they always do, they will contract out their needs to existing companies.

  19. Many would remain in a single payer system
    Others would still remain in a private healthcare system as it won't disappear!
    A single payer system still needs managing!
    Its just a lot cheaper
    Think of it like this!
    What percentage of your wage would you pay to have health insurance?
    A low income worker say 3%
    A medium income worker say, 3%
    A high income worker say, 3%
    A very high income company owner say 3%

    Its a good deal when your private health insurance would cost you 20% and the company has you over a barrel. If you hate your job but need the health plan, and even the company plan has limits to what it covers!

  20. Extended health insurance providers exist in most countries with nationalized healthcare. There trypically isn't 1 provider. Canada for instant, government health (MSP) only covers basic medical needs. Most people have to pay for prescriptions, optometry, chiropractors, extras in the hospital like private room etc. Many employers have discounted extended medical plans through Manulife, Blue Cross etc that pay for these things MSP doesn't cover and they can also be bought privately by individuals if your employer doesn't offer it, albeit it will be a little more expensive. My employer pays my MSP (starting this year it is free for everybody in BC) and I pay another $30 a month for all the coverage I could ever need- that includes both my wife and I.

  21. Now that is a fair question to ask about Medicare for All. Instead of "Meh medicare for all is communist socialist fascist policy and I need no other reason because Fox News said it's socialist therefore I need no actual well thought out reason to say no to it."

  22. Don t worry folks Trump's got your bVk for insurance. It's called fock you and drop dead fools. Trump has a viral load for y just bend over and he give you what all those hookers gave him

  23. Fuck them, that's what should happen to them, insurers are the devils workers (if the devil exists, he'd be an insurance agent)

  24. Jesus Christ, I know you can pay for Youtube Premium, and avoid all the ads, but could they perhaps let me pay for a YouTube SecondRate, where I still would have to watch most adverts, but just not have to see an ad for the Epoch Times ever again?

  25. Wipe them the fuck out. Useless people in useless cruel jobs that exist there to fuck the customers in the ass by giving them the cheapest possible treatment for as much money paid as possible. It's their ability to screw you that gives insurance companies profits. Fuck those guys. They can pay for their own education with their exploitation-dollars.

    You won't have people hired to call around to hospitals figuring out the best way to screw Granny out of expensive life saving treatment and give her some semi-homeopathic remedies as an alternative. There are a gazillion of these people out there right now, and they serve no purpose after M4A. The billing people don't even make that much sense… Cause the government says "We will pay you this much to do this procedure. Is that doable?" The hospitals will go "yeah that is well within reason.. Not a lot of profit for the middle man though, right? Where's the private insurance companies profits off of this?" None to be had. You pay for services, THAT'S IT. If a hospital can prove that they did 40 apendectomies, shazam, here's the pay for 40 of those.

    Today, that's not how things work. Today you have insurance "agents" dealing with SINGLE CUSTOMERS one at a time, trying to score deals like a fucking hustler out there. It's a RIDICULOUSLY inefficient system.. It's a system of 100% pure bureaucracy, only it's the private sector so it's called "paperwork." Sound better than bureaucracy, and it's not impossible to spell.

    Insurance agents are bad people in bad jobs doing bad things to good people. Fuck'em. They do not serve a positive purpose, they are just there to make sure that customers don't fully understand why granny died, so that the family can't sue the insurance company for killing granny.

    Btw, insurance companies are death panels. They decide if you get to live or die, and they decide based on profit. There are literally tons of people who just spend all their day looking at the bottom line and weighing it against the life of their customers. If the surgery to save granny costs more than 40k, guess what? Granny dies. But not before her family creates a desperate pre-obituary on gofundme.

    The fucked up thing is that insurance agents think they're doing good in this world. People whose entire revenue is based on fucking people over with small text, with words that their customers don't understand.. An insurance agent is the active branch of an enormous scamming network with immense power to keep people sick. Power they use to stop governments from improving health care, and they've done so for decades.

    THESE ARE BAD PEOPLE THROUGH AND THROUGH. Look at what their job description demands, then go "Would I work in this fucking insane job trying to fleece the sick and desperate?" Chances are no, because ethically that's just beyond reasonable.

    Let the insurance companies and their employees find their own way. They made a bad choice when they started shaking down sick people for pennies on behalf of mega corporations and banks.


  26. I am from the the UK. NHS is often shown to the American people as an alternative system. I dont think this would be the best way for the US to follow. Perhaps a French or German model would be a better fit. But however it is organised the best thing about social medicine is that although we might worry about our family and friends being unwell and perhaps needing, for example, heart surgery, we never have to worry or even think about the cost. From a new baby to any kind of medical problem we might encounter we only have to worry about getting better not if we can afford it. Over the years, I have had open-heart surgery, various accidens and ongoing treatment for variou conditions. All the time have been able to work (once recovered) and contribute back into the system to pay for others.

  27. I dont really understand why the urgency to get rid of private insurances. You can have universal healthcare and private insurances for those who want them, just like basicly every european country. Greetings from Bernies socialist utopia and the happiest country in the world, Finland.

  28. Well most countries with Single payer also have private insurances that you can have if you want to have extra insurance for sports or freetime or accidents etc.

  29. If part of your job is to fish for reasons to deny coverage, expect to be laid off soon after we progressives have our way. They'll be plenty of jobs in the renewable energy sector.

  30. I predict by election day, Trump's desperation for victory will drive him to release TrumpCare, and it will be modeled on Canada's plan. Or whatever plan that can best serve the American oligarchs. 🤪

  31. A progressive just won office by advocating for M4A while promising to protect the jobs of the in the healthcare sector. So yeah if you want M4A there may have to be a few inefficiencies included in the initial system to get it past. Like with the NHS you work them out over the years. But you get the system enacted and that should be the biggest priority. Negotiating for this or that around the edges is no biggie in the grand scheme. The goal is to get this system enacted not get bogged down because you have to subsidize some employment or not.

  32. Who gives a shit what happens to them. Do these insurance bloodsuckers care when auto workers lose their jobs or anyone else does. No we don't need to find them jobs, they have to find jobs. that's Capitalism.

  33. Can I put my thinking to this. I'm from Germany and we have for over a hundred years a comprehensive healthcare system. We have healthcare insurance companies who organise everything but they're 100% non profit. There's also private insurance if you can afford it but there's not so much difference in the two.

  34. FWIW, in the Australian system, there is still private health insurance companies, they are just on top of the base level of cover.
    Those companies employ thousands of people.

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