Budget 2012

Author
Discussion

Engineer1

10,486 posts

210 months

Sunday 25th March 2012
quotequote all
crankedup said:
johnfm said:
More than 1m clinical staff in the NHS now. Anyone would think we are an exceedingly sick nation. 1 clinician for every 60 people!
Reading about some in here go on about hard work and stress, blood and sweat its hardly surprising the hospitals are full of clinicians. wink
Maybe the number of specializations mean that you need multiple types of clinical staff, so radiographers, midwives etc, I wouldn't want a radiographer attending a birth or a midwife running an X-Ray machine.

Edit to add, that the NHS runs 24/7 365 so that is a hell of a lot of shifts to cover.

otolith

56,212 posts

205 months

Sunday 25th March 2012
quotequote all
The difference between hard, stressful highly paid jobs and hard, stressful low paid jobs is that the former require the kind of people who have the option of buggering off and doing something else if the rewards aren't good enough.

Murph7355

37,760 posts

257 months

Sunday 25th March 2012
quotequote all
Engineer1 said:
Maybe the number of specializations mean that you need multiple types of clinical staff, so radiographers, midwives etc, I wouldn't want a radiographer attending a birth or a midwife running an X-Ray machine.

Edit to add, that the NHS runs 24/7 365 so that is a hell of a lot of shifts to cover.
I think this is what someone referred to as "mission creep" though.

We can't carry on expecting the NHS to cover everything. We need to reset our expectations.

And the NHS is just one area (albeit a big one!).

DonkeyApple

55,419 posts

170 months

Sunday 25th March 2012
quotequote all
Murph7355 said:
I think this is what someone referred to as "mission creep" though.

We can't carry on expecting the NHS to cover everything. We need to reset our expectations.

And the NHS is just one area (albeit a big one!).
No there's a debate. How to define the limits of the NHS!!!!


Murph7355

37,760 posts

257 months

Sunday 25th March 2012
quotequote all
DonkeyApple said:
No there's a debate. How to define the limits of the NHS!!!!
No point unless you get acknowledgement that it cannot cover everything.

And sadly the mong nation we live in, with it's dewy eyed view of the NHS will never do that.

IroningMan

10,154 posts

247 months

Sunday 25th March 2012
quotequote all
The problem is that around one in four of the working population is emplyed by the Government to run the lives of the other three...

Johnnytheboy

24,498 posts

187 months

Sunday 25th March 2012
quotequote all
IroningMan said:
The problem is that around one in four of the working population is emplyed by the Government to run the lives of the other three...
Indeed.

What is becoming increasingly irritating to me in the coverage of this budget is the fact that the same people that are complaining about the budget impacting them negatively are probably in some cases the people that are opposed to any cuts in public spending.

Are people so dim as to not realise that if the government can't cut spending it can't cut taxes?




DonkeyApple

55,419 posts

170 months

Sunday 25th March 2012
quotequote all
Murph7355 said:
No point unless you get acknowledgement that it cannot cover everything.

And sadly the mong nation we live in, with it's dewy eyed view of the NHS will never do that.
True. But then you can't cut the top end stuff as the private sector learns its trade within the NHS first so after a while the top end private sector would run out of the right people.

I think you'd actually have to strip general stuff out across the board.

A very big problem the NHS has, as does any business in the UK, is total time wasters. This is where, in theory, making the GP responsible for who gets to hospital has merit as only the GP can strip out the NFNs.

It's certainly an enormous minefield.

johnfm

13,668 posts

251 months

Sunday 25th March 2012
quotequote all
I would like to see the NHS there to help sick people. A&E, diseases - that sort of thing.

I would also like to see a compulsory medical insurance system - on a sliding scale. Starting at something derisory like £2/week for everyone (including children). That would raise £6b (just 6% of the NHS budget, sadly) and should exist just to remind everybody that it isn't 'free'. Smokers: cigarette pricing should include an extra 50p/pack strictly designated for 'health insurance'.

The NHS should seriously look at defining what 'sickness' is. Sports injuries and obesity are not sicknesses. You should take out extra insurance if you play contact (or any other) sports and then expect ££££ of treatment when you break a leg or do a MCL. Similalry, if you eat your way to 25st, why should a tax funded healthcare service be at your beck and call?

Every GP visit should be charged - £5. IF you need a prescription, this £5 could be credited off the £7.80 or whatever it is now. This measly £5 may prevent some of the timewasters.

Higher levels of insurance should be tax deductible to some degree to reflect a lesser burden on the NHS resources to those using it.

The problem with any insurance based system (which really would be the best - a pool of 60 million insuring against illness) - is that insurance service companies will take the piss (like car insurance repairers who charge ££££ for repairing a wing mirror, and a courtesy car for a tiny incident). This is one of the main shortcomings if the US system - where there are masses of premiums pais, but poor outcomes - but lots of well paid drug reps, consultants etc.

It is FUBAR.



Devil2575

13,400 posts

189 months

Sunday 25th March 2012
quotequote all
Pilsner said:
Of course people would try to avoid a 20% tax rate; because it's a lot. 5% is more palatable, not to mention fair.

For all your bleeding-heart pseudo arguments, the bottom line is that it's their money, and their money alone. They've worked hard for it. It doesn't matter whether or not they can afford a million weekly shopping trips to Waitrose.

Do you know it would only require 5% to fund the state provided services that you deem necessary?

Their money alone? Do you not think that there is not an obligation to pay for the services that they do benefit from? Should it be down to individuals to decide how much they wish to pay, if it is their's and their's alone?

Let's just say that the state pull out of provision such as health care. Do you think that all employers would pay all staff enough to afford private health care or provide it as a part of salary?

Cost of the average policy in the US in 2009 was $13375 (£8422)
http://www.usatoday.com/money/industries/health/20...

I suspect that, like in the US, those at the bottom doing the lowest paid jobs would find themselves without any healthcare at all. People doing jobs that we all need to be done. What about people who find themselves out of work for a long period?
Much as I don't get misty eyed about the NHS, I do think that things like universal healthcare are a good thing.

Public funding of the arts however...

Devil2575

13,400 posts

189 months

Sunday 25th March 2012
quotequote all
johnfm said:
This is one of the main shortcomings if the US system - where there are masses of premiums paid, but poor outcomes - but lots of well paid drug reps, consultants etc.
Indeed.

The NHS does need reform and does too much, but the US system is worse.

johnfm

13,668 posts

251 months

Sunday 25th March 2012
quotequote all
Devil2575 said:
Pilsner said:
Of course people would try to avoid a 20% tax rate; because it's a lot. 5% is more palatable, not to mention fair.

For all your bleeding-heart pseudo arguments, the bottom line is that it's their money, and their money alone. They've worked hard for it. It doesn't matter whether or not they can afford a million weekly shopping trips to Waitrose.

Do you know it would only require 5% to fund the state provided services that you deem necessary?

Their money alone? Do you not think that there is not an obligation to pay for the services that they do benefit from? Should it be down to individuals to decide how much they wish to pay, if it is their's and their's alone?

Let's just say that the state pull out of provision such as health care. Do you think that all employers would pay all staff enough to afford private health care or provide it as a part of salary?

Cost of the average policy in the US in 2009 was $13375 (£8422)
http://www.usatoday.com/money/industries/health/20...

I suspect that, like in the US, those at the bottom doing the lowest paid jobs would find themselves without any healthcare at all. People doing jobs that we all need to be done. What about people who find themselves out of work for a long period?
Much as I don't get misty eyed about the NHS, I do think that things like universal healthcare are a good thing.

Public funding of the arts however...
Careful with your stats. That is the family policy - the individual policy average was $4k.

Can you see part of the problem though is that these policies premia are in the man paid by companies for their employees. It is another trigger to increase costs as the insurers know the companies are paying.

It is a shame, as the concept of pooling risk to insure against statistically calculable events is sound. It falls over though when you get 'other people's money syndrome' as per insurance.

I had a company car recently where a vandal broke off the winf mirror. No other damage at all - just the wing mirror.

The repair cost my company was hit with (via their insurers)- £670. To replace, paint and fit a single win mirror.

Would I have paid that? No effing way. But repair shops (or healthcare providers in the health system example) can charge a much higher amount in an insured repair, because an insurer will quibble much less than a car owner.


Murph7355

37,760 posts

257 months

Sunday 25th March 2012
quotequote all
johnfm said:
I would like to see the NHS there to help sick people. A&E, diseases - that sort of thing...
Arguably that's exactly what it IS there for now. Your point about defining what "sickness" is becomes the key one.

There are evidently those that believe IVF, hip replacements, breast enhancements etc etc etc are justifiable uses of NHS funds. While ever that's the case, we have no hope of deciding on the tricky stuff!

johnfm said:
...
I would also like to see a compulsory medical insurance system - on a sliding scale. Starting at something derisory like £2/week for everyone (including children). That would raise £6b (just 6% of the NHS budget, sadly) and should exist just to remind everybody that it isn't 'free'. Smokers: cigarette pricing should include an extra 50p/pack strictly designated for 'health insurance'....
Again, I guess some would argue we have these things.

NI.

Heavy punitive taxation on smoking (and increasingly on booze).

I suspect what's needed is to strip the NHS right back to being an emergency service only and then add back in if and when it can be afforded. Won't happen though.

DonkeyApple

55,419 posts

170 months

Monday 26th March 2012
quotequote all
johnfm said:
I would like to see the NHS there to help sick people. A&E, diseases - that sort of thing.

I would also like to see a compulsory medical insurance system - on a sliding scale. Starting at something derisory like £2/week for everyone (including children). That would raise £6b (just 6% of the NHS budget, sadly) and should exist just to remind everybody that it isn't 'free'. Smokers: cigarette pricing should include an extra 50p/pack strictly designated for 'health insurance'.

The NHS should seriously look at defining what 'sickness' is. Sports injuries and obesity are not sicknesses. You should take out extra insurance if you play contact (or any other) sports and then expect ££££ of treatment when you break a leg or do a MCL. Similalry, if you eat your way to 25st, why should a tax funded healthcare service be at your beck and call?

Every GP visit should be charged - £5. IF you need a prescription, this £5 could be credited off the £7.80 or whatever it is now. This measly £5 may prevent some of the timewasters.

Higher levels of insurance should be tax deductible to some degree to reflect a lesser burden on the NHS resources to those using it.

The problem with any insurance based system (which really would be the best - a pool of 60 million insuring against illness) - is that insurance service companies will take the piss (like car insurance repairers who charge ££££ for repairing a wing mirror, and a courtesy car for a tiny incident). This is one of the main shortcomings if the US system - where there are masses of premiums pais, but poor outcomes - but lots of well paid drug reps, consultants etc.

It is FUBAR.
NI is supposed to cover NHS and pensions.

What if you made these defined numbers. Eg the pension is 5% compulsory investment into a blend of funds etc and designed to give a subsistence living to those who didn't opt to invest more over their lifetime in a private plan.

Then with the NHS, the rate is health & lifestyle tested just as a private policy would be. You would have to strip out line of work as that would be unfair but it could be rated on how you spend your money and spare time. So if you chose, like me, to be a smoker and sit on your arse you pay the full % but if you are like my wife, a non smoking, fitness instructor then you pay a much lower rate, unless they are doing dangerous sports etc.

Too much social engineering or a fairer way to charge?

I think it would be too intrusive and that a flat rate is better. Us unhealthy punters pay big tax on our chosen lifestyle and statistically will be a shorter live drain on society post retirement, so we contribute and then snuff it before we can reap our later rewards.

I do think though that the NhS could be helped by adding a few more 'cures' to its medicine cabinet. Prescribing a course of 'get a fking grip', ' try manning up' and ' go for a run you fat ' could be beneficial.

oyster

12,609 posts

249 months

Monday 26th March 2012
quotequote all
johnfm said:
I would like to see the NHS there to help sick people. A&E, diseases - that sort of thing.

I would also like to see a compulsory medical insurance system - on a sliding scale. Starting at something derisory like £2/week for everyone (including children). That would raise £6b (just 6% of the NHS budget, sadly) and should exist just to remind everybody that it isn't 'free'. Smokers: cigarette pricing should include an extra 50p/pack strictly designated for 'health insurance'.

The NHS should seriously look at defining what 'sickness' is. Sports injuries and obesity are not sicknesses. You should take out extra insurance if you play contact (or any other) sports and then expect ££££ of treatment when you break a leg or do a MCL. Similalry, if you eat your way to 25st, why should a tax funded healthcare service be at your beck and call?

Every GP visit should be charged - £5. IF you need a prescription, this £5 could be credited off the £7.80 or whatever it is now. This measly £5 may prevent some of the timewasters.

Higher levels of insurance should be tax deductible to some degree to reflect a lesser burden on the NHS resources to those using it.

The problem with any insurance based system (which really would be the best - a pool of 60 million insuring against illness) - is that insurance service companies will take the piss (like car insurance repairers who charge ££££ for repairing a wing mirror, and a courtesy car for a tiny incident). This is one of the main shortcomings if the US system - where there are masses of premiums pais, but poor outcomes - but lots of well paid drug reps, consultants etc.

It is FUBAR.
Right, so according to your plans, those who already fund the vast amount of the NHS money (i.e. those who work hard and earn a decent living) will just pay even more.
Will the workshy have to pay the £5 doctor's fee? Will the workshy have to pay the extra medical insurance? Like feck they will.

And another thing, since I already pay in excess of £10k a year in taxes to the NHS alone, why should I pay another £100 a year?

Soovy

35,829 posts

272 months

Monday 26th March 2012
quotequote all
oyster said:
johnfm said:
I would like to see the NHS there to help sick people. A&E, diseases - that sort of thing.

I would also like to see a compulsory medical insurance system - on a sliding scale. Starting at something derisory like £2/week for everyone (including children). That would raise £6b (just 6% of the NHS budget, sadly) and should exist just to remind everybody that it isn't 'free'. Smokers: cigarette pricing should include an extra 50p/pack strictly designated for 'health insurance'.

The NHS should seriously look at defining what 'sickness' is. Sports injuries and obesity are not sicknesses. You should take out extra insurance if you play contact (or any other) sports and then expect ££££ of treatment when you break a leg or do a MCL. Similalry, if you eat your way to 25st, why should a tax funded healthcare service be at your beck and call?

Every GP visit should be charged - £5. IF you need a prescription, this £5 could be credited off the £7.80 or whatever it is now. This measly £5 may prevent some of the timewasters.

Higher levels of insurance should be tax deductible to some degree to reflect a lesser burden on the NHS resources to those using it.

The problem with any insurance based system (which really would be the best - a pool of 60 million insuring against illness) - is that insurance service companies will take the piss (like car insurance repairers who charge ££££ for repairing a wing mirror, and a courtesy car for a tiny incident). This is one of the main shortcomings if the US system - where there are masses of premiums pais, but poor outcomes - but lots of well paid drug reps, consultants etc.

It is FUBAR.
Right, so according to your plans, those who already fund the vast amount of the NHS money (i.e. those who work hard and earn a decent living) will just pay even more.
Will the workshy have to pay the £5 doctor's fee? Will the workshy have to pay the extra medical insurance? Like feck they will.

And another thing, since I already pay in excess of £10k a year in taxes to the NHS alone, why should I pay another £100 a year?
Quite.

But you see it's not fair that you have make a good living, through hard work and application.

It's not fair.............


speedy_thrills

7,760 posts

244 months

Monday 26th March 2012
quotequote all
No plan benefits everyone and there is no perfect system.

It’s unlikely the UK will be able to trim public health spending, the population is aging and medical treatments are becoming ever more expensive. It’d be a feat even to manage to freeze the health budget for more than a couple of years.

crankedup

25,764 posts

244 months

Monday 26th March 2012
quotequote all
Engineer1 said:
crankedup said:
johnfm said:
More than 1m clinical staff in the NHS now. Anyone would think we are an exceedingly sick nation. 1 clinician for every 60 people!
Reading about some in here go on about hard work and stress, blood and sweat its hardly surprising the hospitals are full of clinicians. wink
Maybe the number of specializations mean that you need multiple types of clinical staff, so radiographers, midwives etc, I wouldn't want a radiographer attending a birth or a midwife running an X-Ray machine.

Edit to add, that the NHS runs 24/7 365 so that is a hell of a lot of shifts to cover.
Oh I don't know, those thick rubber gloves are sure to be useful in a number of specialities.;)

crankedup

25,764 posts

244 months

Monday 26th March 2012
quotequote all
johnfm said:
I would like to see the NHS there to help sick people. A&E, diseases - that sort of thing.

I would also like to see a compulsory medical insurance system - on a sliding scale. Starting at something derisory like £2/week for everyone (including children). That would raise £6b (just 6% of the NHS budget, sadly) and should exist just to remind everybody that it isn't 'free'. Smokers: cigarette pricing should include an extra 50p/pack strictly designated for 'health insurance'.

The NHS should seriously look at defining what 'sickness' is. Sports injuries and obesity are not sicknesses. You should take out extra insurance if you play contact (or any other) sports and then expect ££££ of treatment when you break a leg or do a MCL. Similalry, if you eat your way to 25st, why should a tax funded healthcare service be at your beck and call?

Every GP visit should be charged - £5. IF you need a prescription, this £5 could be credited off the £7.80 or whatever it is now. This measly £5 may prevent some of the timewasters.

Higher levels of insurance should be tax deductible to some degree to reflect a lesser burden on the NHS resources to those using it.

The problem with any insurance based system (which really would be the best - a pool of 60 million insuring against illness) - is that insurance service companies will take the piss (like car insurance repairers who charge ££££ for repairing a wing mirror, and a courtesy car for a tiny incident). This is one of the main shortcomings if the US system - where there are masses of premiums pais, but poor outcomes - but lots of well paid drug reps, consultants etc.

It is FUBAR.
A system of insurance for health as used in the States, if you cannot afford it your on your own pal. No thanks, and I would say this is the biggest problem facing the Government outside of the budget thing, peoples perceptions.

johnfm

13,668 posts

251 months

Monday 26th March 2012
quotequote all
oyster said:
johnfm said:
I would like to see the NHS there to help sick people. A&E, diseases - that sort of thing.

I would also like to see a compulsory medical insurance system - on a sliding scale. Starting at something derisory like £2/week for everyone (including children). That would raise £6b (just 6% of the NHS budget, sadly) and should exist just to remind everybody that it isn't 'free'. Smokers: cigarette pricing should include an extra 50p/pack strictly designated for 'health insurance'.

The NHS should seriously look at defining what 'sickness' is. Sports injuries and obesity are not sicknesses. You should take out extra insurance if you play contact (or any other) sports and then expect ££££ of treatment when you break a leg or do a MCL. Similalry, if you eat your way to 25st, why should a tax funded healthcare service be at your beck and call?

Every GP visit should be charged - £5. IF you need a prescription, this £5 could be credited off the £7.80 or whatever it is now. This measly £5 may prevent some of the timewasters.

Higher levels of insurance should be tax deductible to some degree to reflect a lesser burden on the NHS resources to those using it.

The problem with any insurance based system (which really would be the best - a pool of 60 million insuring against illness) - is that insurance service companies will take the piss (like car insurance repairers who charge ££££ for repairing a wing mirror, and a courtesy car for a tiny incident). This is one of the main shortcomings if the US system - where there are masses of premiums pais, but poor outcomes - but lots of well paid drug reps, consultants etc.

It is FUBAR.
Right, so according to your plans, those who already fund the vast amount of the NHS money (i.e. those who work hard and earn a decent living) will just pay even more.
Will the workshy have to pay the £5 doctor's fee? Will the workshy have to pay the extra medical insurance? Like feck they will.

And another thing, since I already pay in excess of £10k a year in taxes to the NHS alone, why should I pay another £100 a year?
I think the main point of my post is exactly that the workshy etc will have to pay a small cash amount to see a GP, pay weekly for health insurance (ie trimmed off their benefits).

I don't want EXTRA fees on top of the £100b we already stump up!!

The point is that 'free at the point of delivery' creates waste. The service is taken fro granted and people are going to the GPS or A&E for things that really aren't medical problems or emergencies.

The system needs cutting back to essential health care. TIts, new kness, ears pinning, stomach stapling - need insurance cover.

Also agree with earlier point re NI. Sadly, NI just goes into the Ponzi pot at the treasury. If even an average worker paid their NI into a real with benefits type scheme, they'd be much better off than pumping it into the UK's tax and spend money pit.

Govt. won't do anything until the IMF steps in and suggest autocracy...