The Democrats talked about our moral responsibility to pass universal health care, and the Republicans talked about the equal need for fiscal responsibility. I personally think we need a big dose of both, not one or the other.
Some of you may suspect that I am not in favor of big government. I sort of like government by the people rather than government by the government. However, the deep need for some things have made me moderate my position for some big causes. Health care is one of those exceptions.
I have blogged about this before, and I made a list of the things I wanted. That list has been refined after a year of debate. Some things are still the same.
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1. I want everyone to be covered. No exceptions.
2. I want everyone to participate in both the coverage and the payments for it.
3. "Everyone" means nobody gets to opt out or have their own special plan. Not even congress.
4. There must be one price for everyone. No special people and special low risk pools. One pool. Everyone is in that pool.
5. Every disease and injury is covered. Elective things like cosmetic surgery is not covered.
6. People who abuse the system go to jail.
One problem: the bill they came up with doesn't do this. Did we not say that congress would screw this up? Ha!
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What do we do about insurance companies who now employ zillions of people?
Do we get to choose our own company still? (I don't want the government as my insurance company, friendly and compassionate and efficient as they are.)
Do we get to go across state lines to choose a company? Why would we want to if all charged the same and covered the same?
Where does the competition come from if all companies charge the same and cover the same?
How about all the people who don't have to pay because they made wrong life choices and don't have any money? I mean, are we going to do anything to make them go to work, or just pay their way? A lot of them are deserving and have nowhere to turn. But a lot of them just chose not to work as hard as others did or educated themselves. Will there be some justice there? Will they get to do some work for us one day a week? No? Not fair to them? Well, so be it.
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A work in progress.
You have one typo I picked out. Can you spot it? :) I like the O'Bummer photo.
ReplyDeleteI agree with your points entirely. Ironic, isn't it? I would also like to add provisions to help people become doctors (as opposed to pushing out doctors riddled with half a million in debt), but also include provisions to change the fee for service structure. Otherwise, the price will continue to spiral up.
ReplyDeleteI am also disappointed with the bills passed by both the house and the Senate. Some of the fine points after your checklist I may not agree 100%, but I don't think, fundamentally, we're on a different page on this topic.
Universal Heath-care is in that state of non-being where we find Schrodinger's Cat, it is both dead and alive, both the best that it can be and the worst that it can be.
ReplyDeleteStill, it is fun to talk about what color the cat will be, even if don't yet know that we are getting a cat.
So if 'everyone' is should be given healthcare, how can you then say that the Undeserving Poor don't deserve to get healthcare?
Our Right to Not Work and sit around collecting Welfare, Unemployment, and Social Security is why so many people want to move to America.
What makes you think Healthcare will be treated differently than any other entitlement program?
@Patchwork - That's patently absurd. :)
ReplyDelete@Stephanie B - I agree with you about incentives for doctors; forgiving some or all of their huge student loans in return for doing a certain amount of work (1 year for 1 year's college?)
I was thinking though, what is the incentive for someone to want to become a doctor if the government sets the payment prices for each service rendered? I mean, how would doctors become rich in the brave new world of universal healthcare? A commendable desire to self-sacrifice one's life to care for the poor only goes so far in the motivation arena, and they can't ALL be plastic surgeons.
Doctor's are salaried in many countries. And yet they're not short of them.
ReplyDeleteOf course, they also have tort reform, which I also support.
I support tort reform too. I forgot to mention that. And a 30-day season where you can shoot lawyers on sight.
ReplyDeleteWhat country is that who is not short of doctors? Cuba? Can you substantiate that statement?
Relative to here. Go to the WHO report on health care and you'll see we're not the top when it comes to doctor's per capita. We just cost like we are. Actually, I was surprised that we aren't.
ReplyDelete@Stephanie B - Well, if we are not on top when it comes to number of doctors, it seems we would need more doctors. What am I missing? We will attract these new doctors with government scale salaries? I've lost you. And you think doctors are being paid too much?
ReplyDeleteThere are a number of factors in healthcare. One is overhead to deal with 900 insurers all have different forms and different protocols and charges and all having different ways of trying to back out of paying. Most doctor offices have half their staff (if not more) devoted to insurance. That's money that could either not be spent or spent on, I don't know, nurses. In other words, a huge amount of overhead.
ReplyDeleteMore overhead goes into malpractice insurance, which could be reduced with tort reforms. Additionally, reducing the debt burden could go a long way to (a) encouraging GPs (which we're short on)and (b) eliminating the need to make money quick.
I think doctors are entitled to make a good living. It's hard work, it takes a great deal of training. They are specialists and need to keep informed to stay on top of it.
I'd also much rather pay doctors for keeping people well than on a fee for service plan. There has to be a way to do it; it's done that way in many places all over the world. And they still have doctors.
Other countries, whether using a single payer system or using many private companies like Switzerland or Japan, have managed to make healthcare far more affordable and still provide doctors with a good living, probably more so in Switzerland than Japan.
@Stephanie B - I am having trouble keeping up with your font of misinformation. Here are the only health insurance companyies I could find that do business in the USA, search as I might. And even this includes companies like AFLAC which aren't health insurance companies. Would you please post a list of the other 700 companies you say are here? Thanks.
ReplyDeletePart One:
AEGON USA, Inc
Aetna, Inc
Affinity Health Plan
AF&L Insurance Company
AFLAC
Alameda Alliance for Health
American Family Mutual Insurance Company
American Fidelity Assurance Company
American Medical Security, Inc
American Re Healthcare
American Republic Insurance Company
American Specialty Health Incorporated
AmeriChoice Health Services, Inc
Amerigroup Corporation
AmeriHealth
AON Corporation Group
Arkansas BlueCross Blue Shield
Assurant
Assurant Health
Assurant Employee Benefits
Atlantis Health Plan
AultCare Corporation
AvMed Health Plan
Bankers Life and Casualty Company
BC/BS of Florida
BC/BS of Georgia
BCE Emergis, eHealth U.S.
Berkshire Life Insurance Company of America
Blue Care Network of Michigan
Blue Cross and Blue Shield of Georgia
Blue Cross and Blue Shield of Illinois
Blue Cross & Blue Shield of Louisiana
Blue Cross and Blue Shield of MN
Blue Cross and Blue Shield of Montana
Blue Cross and Blue Shield of New Mexico
Blue Cross Blue Shield of MA
Blue Cross Blue Shield of NC
BlueCross BlueShield of North Dakota
BlueCross BlueShield of Texas
BlueCross BlueShield of Vermont
Blue Cross of California
Blue Cross of Idaho
Blue Cross of Northeastern Pennsylvania
Blue Shield of California
Bluegrass Family Health, Inc
Botsford Health Plan
Capital Blue Cross
Health Plan News
CarePlus Health Plan
CareSource
CENTENE Corp
Center Care
Central Reserve Life Insurance Company
Central States Health & Life Company of Omaha
CHA Health
CHCS Services, Inc
Chartered Health Plan
Chinese Community Health Plan
CIGNA Health Care
Combined Insurance Company of America
Commercial Travelers Mutual Insurance Company
Commonwealth Health Corporation
Community Health Network of Connecticut
Community Health Plan-LA County Dept.
Community Health Plan of Washington
ConnectiCare, Inc
Conseco, Inc
Continental General Insurance Company
CoreSource
Cox Health Systems HMO
Dental Benefit Providers, Inc
Denver Health Medical Plan
Destiny Health, Inc
Disability RMS
Elder Health, Inc
Empire Blue Cross and Blue Shield
Employers Dental Services, Inc
ENCOMPASS Health Management Systems
Fallon Community Health Plan
Family Health Partners
Federated Insurance Companies
First Health Group Corporation
Geisinger Health Plans
General & Cologne Life Re of America
Great-West Healthcare
Group Health Cooperative
Group Health Cooperative of SC Wisconsin
Group Health Incorporated
Guarantee Trust Life Insurance Company
Guardian Life Insurance Company of America
Gundersen Lutheran Health Plan Inc
Harvard Pilgim Health Care
Harvard University Health Services
Health Alliance Plan
Health First Health Plan, Inc
Health Net
Health New England
Health Partners – Philadelphia
Health Plan of Michigan
Health Plan of Nevada
Health Plan of San Mateo
Health Plus PHSP, Inc
HealthPlus of Michigan
HealthSpring
Healthyroads, Inc
Highmark Blue Cross Blue Shield
HIP Health Plans
Hometown Health Plan
Horizon BC/BS of New Jersey
Humana, Inc
IHC Health Plans, Inc
Illinois Mutual Life Insurance Company
Independence Blue Cross, Philadelphia, PA
Independent Health
Inter Valley Health Plan
JHA, Inc
Kaiser Permanente
Keystone Mercy Health Plan, Inc
L.A. Care
Legacy Health Plan
LifeCare Assurance Company
LifePlans, Inc
The Lifetime Healthcare Companies
Long Term Care Group, Inc
Lovelace Sandia Health System/Lovelace Health Plan
Lumenos, Inc
Part Two
ReplyDeleteManaged Health, Inc
Martin’s Point Health Care
M-CARE, Ann Arbor, MI
MedAmerica Insurance Company
Medica Health Plan
Memphis Managed Care Corp.
Metropolitan Health Plan
Mount Carmel Health Plan
MultiPlan, Inc
Munich American Reassurance Company
Mutual of Omaha Insurance Company
MVP Health Plan
Nationwide Health Plan
Neighborhood Health Plan
Network Health Plan
New West Health Services
New York Life Insurance Company
Olympic Health Management Systems, Inc
Optum
OSF Health Plans
Oxford Health Plans
Pacific Life Insurance Company
PacifiCare Health Systems
Parkland Community Health Plan
Penn Treaty American Corporation
Peoples Benefit Life Insurance Company
Peoples Health Network
Physicians Health Plan of Northern Indiana
Physicians Mutual Insurance Company
PHP Companies d/b/a Cariten Healthcare
Preferred Care Partners
PreferredOne
Preferred Plus of Kansas
Presbyterian Health Plan
Prevea Health Plan, Inc
PrimeWest Health Systems
Principal Financial Group
Private Healthcare Systems, Inc (PHCS)
Providence Health Plans
ProviDRs Care Network
QualChoice of Arkansas
Regence BlueCross BlueShield of Utah
Regence Blue Shield
Regence BlueShield of Idaho
The Regence Group
Rocky Mountain Health Plans
Sagamore Health Network, Inc
SCAN Health Plan
Scott & White Health Plan
Sentara Healthcare
Sentry Insurance Group
Sierra Health Services
Southeastern Indiana Health Organization
Starmark
State Farm Insurance Companies
Stonebridge Life Insurance Company
Sun Health MediSun, Inc
Teachers Protective Mutual Life Insurance Company
Transamerica Life Insurance Company
Tufts Health Plan
Trustmark Insurance Company
UCare Minnesota
UNICARE Life & Health Insurance Company
United HealthCare
United Teacher Associates Insurance Company
UnitedHealth Group
Univera Healthcare
UnumProvident
UPMC Health Plan
USAA Insurance
USAA Life Insurance Company
ViaHealth Managed Care Services
Vytra Health Plans
WellCare Health Plans
WellPoint Health Networks Inc
WINHealth Partners
Woodmen of the World Life Insurance Society
Yale University Health Services
Zurich North America
You aren't counting some of them 50 times are you?
ReplyDeleteYou didn't get your 900 figure from your global warming stats site I hope. :)
ReplyDeleteDid I say 900? I'm meant umpteen.
ReplyDelete(Like you've never seen hyperbole before! Or used it!)