Health Deform
A very complex, mandatory private insurance scheme recently passed the U.S. House. The public is being overwhelmed by sound bites on one hand about how great it is, on the other, how terrible. We are hearing few of the details that are actually in the bill. Having read the bill, it is clear now that what started as health reform has emerged from the political process as health "deform," building on the worst, not the best of the current system.
It is still a toss-up as to whether the Senate will pass any bill this year. However, due to intense political pressure, the Senate is likely to pass a bill that will make some House provisions better and others worse. What actually comes out in the final conference-committee bill is anyone's guess at this point - so little time, so many deals still to be made, so many political funders to be appeased.
A careful analysis of the bill shows that it is designed more for political goals than to eliminate financial barriers to health care. For example, the actual coverage doesn't even begin until 2013, opportunistically after the next presidential election, in 2012. Run on having accomplished "historic reform" but before anyone actually experiences how bad it is? How cynical is that?
Yes, there are some good provisions. The best relate to improving existing programs like the Indian Health Service, community health centers, and health professionals education and training; all are important for New Mexico.
But there bad provisions, which comprise most of the 1,990 pages of the bill. Five key reasons this legislation must be stopped:
• If passed, this law will move the U.S. farther from universal health care, making it harder than ever to accomplish health care justice in the future. If Congress does not have the courage to stand up to the private insurance industry now, it will be even more difficult in the future, especially after giving the industry trillions of new dollars through this terrible legislation. Let's call this what it is: another corporate bailout on the backs of working people.
Pay attention to your federal representatives as they carefully talk about "health insurance reform." They aren't talking about health reform any more. Congress could have defended and built up a system based on popular, high-quality government-run health programs like the military and veterans fully socialized health systems or Medicare, a single-payer program. Instead, the president and Congress let the corporations and government-haters take control of the agenda.
• The legislation institutionalizes permanent inequality in health care. Unlike Medicare where all beneficiaries have a single plan, this bill further divides the U.S. system into tiers based on ability to pay. It creates basic, enhanced, premium and premium-plus plans. A basic plan will provide only 70 percent of the coverage of a "reference benefit package," one that includes even fewer services than most insured people have today. The bill doesn't even mention coverage for essential services like vision and adult dental care except in the most costly premium-plus plan.
• Out-of-pocket costs remain sky high. Everyone will be required to pay monthly insurance premiums. Some low-wage workers will receive taxpayer subsidies on a sliding scale. The lowest income people will have full subsidies. But remember, this is not money for care, it is support only to buy insurance.
Almost everyone will have to meet a deductible, capped in the bill at $1,500 a year, higher than most insurance-plan deductibles today. On top of this, insurance companies can charge even more under various "cost sharing" schemes for items like co-pays and co-insurance.
The bill puts a cap on cost sharing, but the total amount is obscene. The cap for an individual is $5,000 a year and for a family it is $10,000 before the plan must cover everything. Well, not exactly everything. Even after paying this huge amount of money, the legislation still allows the corporations to make us pay, billing for non-network providers and, since it is not a comprehensive benefit package, we are still on our own to pay for health care that the plans refuse to cover.
The legislation creates a law to let these corporations increase what they charge people as they get older. In fact, they can be charged up to twice as much as younger people for identical coverage.
• The legislation makes it illegal to not buy health insurance. The penalties are described in a section of the legislation called "Shared Responsibility." This will let the IRS impose a tax of up to 2.5 percent of modified adjusted gross income for not having health insurance. People on the financial edge, people fighting foreclosure to stay in their homes or people who are unemployed all or part of a year will not be able to afford the insurance premiums or the penalties for not having insurance.
• We will all be drowning in paperwork, which will continue to drive up administrative costs. Right now, insurance administrative waste is about 30 percent of every health care dollar- or about $1 billion a day. Adding more people to an insurance-based system will result in even more money going into this bottomless pit.
As if this isn't bad enough, the government will be setting up many new agencies to oversee the whole process including, at the top, the Orwellian Health Choices Administration, headed by the Health Choices Commissioner. This is not an agency to help us make health care choices, but to choose a health insurance company. The IRS will play a very large role in everything from certifying our income for subsidies to monitoring and taxing people who don't buy insurance.
Health Insurance Exchanges will be created across the country with at least one in every state offering both Web sites and telephone assistance. This is where we will go every year to pick our insurance plan in an open enrollment period of at least 30 days between September and November. We can add this unpleasant task to all of our other fall chores.
It is hard to imagine the chaos and wasted resources with the entire country picking insurance plans at the same time, attended by marketing, billboards, advertising and misinformation. We will gamble as we choose a plan, decide which corporation will be the best for us, hoping we pick one that is not dominated by corporate bureaucrats focused on rationing care to maximize their profits. It is not an easy task and if a wrong plan is selected, we are stuck for a year, until the next national open enrollment cycle.
The United States can do better. We can build on a strengthened and well-funded Medicare program. In Medicare, when a person reached the age of eligibility or is determined to qualify because they have a permanent disability, they are in, and there is no re-enrollment.
Imagine real reform, as simple as adding people ages 55 to 65 years old to Medicare in 2010, 35-55 in 2011, and so on until everyone is included by 2013. The bills that promote this kind of reform are under 200 pages, they are simple to implement, cost effective and equitable. Choose a doctor, choose a hospital when needed and let the government pay the bills. Everyone in one system.
That is what real health reform would look like.
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73 Comments so far
Show Allamericans have an amazing ability to make the simple complex. why? so that the power is diffuse and not concentrated, to give everything and everybody a role in the creation of whatever it is that we are trying to fashion. can't have just one set of national standards for education, for example; there are as many standards as there are school boards. medicare is the most efficient srtructure to build from when designing comprehensive national healthcare. but that's socialism. all the various private entities have to have their fingers in the pie. that's about the way the war in iraq is being run, same with us prisons. it's as if the only role that should be centralized is road-building and war-making. to get unity and cohesion and efficiency anywhere else is jsut dangerous. america, divided, will soon fall, as our constitutional system subverts any hope that we can resolve our domestic imperatives.
Basic, enhanced, premium and premium-plus plans...
Steerage, second Class or first class.
Vista basic or premium.
Chevy belair, biscayne two-door or Impala.
Capitalism in action...Always tier services to make sure the rich feel good about getting the best and the poor feel bad and envious that they are getting less. It keeps idolizing the rich. It makes being rich THE goal. Forget humanity. Everything is for sale. The world is one big whore house. Have another drink.
There really is an upside to all this. People are going to get really serious about personal health habits. They are going to learn a lot of medicine over the internet. They are going to get really healthy and they are going to tell the government and health insurance pigs where they can put their mandatory premiums.
Thanks pigs, for pushing us into the American Health Rebellion. If your plan is to jail us for not payng premiums and then kill us in jail, I suggest you bring a sandwich. We outnumber you by at least 100,000 to 1. You bastards crossed the line with health insurance tyranny. You will regret attacking the middle class. We will join with the poor to denude you of your positions, self-respect, money, real estate and possibly your life. We would prefer that you go to prison but we will react in self defense.
How about this?
The current health insurance terrain is frought with peaks and valleys from patients with goldplated plans costing close to $20K per year to patients with low cost policies providing very little coverage for a few thousand. And the government is complicit in this because allows us to receive these benefits as pre-tax events from our employers regardless of our income.
The Forbes corporation used to provide health insurance to its employees with deductibles that were proportionate to income, so the $100K exective might be given a policy with a $5000 deductible and the $20K janitor might get a $500 deductible policy. I think that is fair.
Rather than trying to overhaul the system from the top down, how about from the bottom up? Change the unlimited tax favored status to limited tax free benefits proportionate to AGI {adjusted gross income). If an employee is only allowed to receive $8K in benefits and his employer provide $14 then the employee would pay tax on the pre-tax value of the difference [$14 - $8 = $6/(1-marginal tax rate)]. When people start paying taxes for things that they don't get to use much they frequently abandon them in exchange for more favorably tax treated options. In this case, more favorably tax treated options would be less expensive policies with more appropriate individual financial responsibility.
When patients have more individual responsiblity they tend to be less inclined to over-utilize, more inclined to select less expensive medications, etc. This would serve to LOWER costs.
Additionally, the government, through consensus with the insurance companies would define a universal "Basic Benefit Plan" that would be priced regionally [since costs are probably higher in some areas than others]. They then would create a second variable of pricing which would be the allowable government subsidy [amount receivable pre-tax]based on AGI.
Taxes paid on excess pemiums would go to supplement the less fortunate, not to fund wars or highways or any other non-health related initiatives.
What say you?
Say, "HELL NO!" to this fascist "individual mandated" health insurance scheme.
The problem is not a mandate for everyone to participate - the problem is that it's a mandate to give more profits to the private insurance companies.
If the bill enacted universal access, single-payer health care a mandate for all to participate would be required, necessary and appropriate.
However, the bills on the table now....suck.
"Free lunch? Where AT? I don't get any free lunch. Mention that and I'd get laughed at."
He said the VA here has a cafeteria. They give you a meal ticket when you visit. He was just there for a routine checkup. They've been wanting him to come in every 3 months to get his heart checked since he had a heart attack 2 years ago.
They also want to give him a colonoscopy. And no, he's not looking forward to it. lol.
Medicare is not a panacea. Medicare beneficiaries are responsible for 20% of the Medicare Allowed Costs. There is no ceiling on that number. Current Medicare cost is going up to $110 per month = 1320 per year with no upside portection against catastrophic expense. Many beneficiaries purchase supplements for between 125 - 250 per member per month raising their total premium to $235 - 375/mo = $2800 - 4500/yr which is more in line with private insurance premiums for individuals.
Many of the lower income patients who would be subsidized and forced into the system would only have the basic coverage leaving them susceptible to upside costs in the event of a serious illness, said costs leaving many unable to pay and potentially leading to bankruptcy or the same stresses that exist in the current patchwork system.
In the old days (50 yrs ago) the old fashioned Major Medical Policy protected against the catastrophic upside potential which was much easier to estimate for insurers due to the lack of complex costly technology and procedures. But I don't know if such policies exist anymore.
Also, a significant portion of the current day costs is the defensive medicine that must be practiced by this generation of MD's. Even if malpractice was eliminated completely, it would take a couple of generations of MD's to change the mentality that exists today and that influences how we practice, test, etc.
In other countries with socialized medical systems there are many fewer malpractice cases because their judicial systems are not designed to encourage attorneys to use the system as a money making venture. As such, there is a much different mentality among physicians, patients and attorneys regarding the practice of medicine. In the current system physicians have come to be seen as wards of the insurance companies, basically doing what the insurance company says and in so-doing, denigrating them in the eyes of the public to mere technicians instead of the professionals that they are.
I hate to say we didn't try hard enough but we DIDN'T TRY HARD ENOUGH.
No disrespect for those who sat in jails but we needed MASS PUBLIC DEMONSTRATIONS and marches. I organized one gathering for Moveon.org this past summer and ..........NO ONE SHOWED UP.
I had two old farts sitting behind my car in traffic and I could see they were reading my americacantwait.com bumper sticker- "I Want a PUBLIC OPTION"- mouths a-going and heads a-shaking. They disapproved. Of course I drive the old car and they had the nice new SUV.
To set a necessary Bill to take effect four years from now is an insult to the American public and a clear indication of the real self image of our Congress (both houses) - TOTALLY CHICKENSHIT!!!!
And we're ACTUALLY PAYING THESE PEOPLE????????
http://ampedstatus.com/the-critical-unraveling-of-us-society
They are deliberately, methodically doing this.
"Hungry people, jobless people are the stuff of dictatorships." FDR
This planet is making fantastic progress. As more and more nations free themselves from the rapidly shrinking USan sphere of influence, they are finding their freedom to implement public policies that actually work for the people. There are plenty of good models worldwide. It seems there is developing a sort of Club for Reason far away from the USan sphere of influence, where all the nations are adopting similarly beneficial policies for the simple reason that they work. These policies deliver the most out for the least in. So they get double the healthcare value. Now that's progress.
When our 40th President wrecked the not for profit health care system we had the for profit health care providers started sucking us drier and drier . Unless the for profit motive is taken out of health care we will continue to be drained of our very blood and wealth . Medicare is an insurance as is everything Congress has allowed us to talk about and at the rate we are going we will not have much of a nation very shortly .
That was number 37, not 40. Nixon was the chief architect of turning it into for profit.
2013 - How convenient for the politicians! They will have 4 years to pat themselves on the back and MSM will play along. There aren't enough articles like this in MSM.
Unfortunately, this is the consequence of an apathetic public that doesn't take an interest in government.
petro-welfare = no responsibility
"Oy. What did your dad say?"
He just shook his head. lol.
The Health Care issue is NOT the issue. It's a smokescreen to pull the focus off the "war" (illegal occupation)
It was conceived and written to provide the maximum amount of controversy. BOTH Democrats and Republicans are working together to maximize this controversy and to keep it on the front burner as long as possible. This is to keep the "war" going on as long as possible.
They know that as soon as the "health care" issue is resolved, the war wil come back into focus.
Obama knew the fear factor wouldn't work so he plotted this smokescreen to dupe America into arguing over nonsense so more people can get killed. Every word that is spoken about this bill is one less word spoken against the slaughter of people in Iraq and Afghanistan.
Excellent observation.
we can even add to it:
that this is really a "two-pronged" or "many-pronged" regime of distractions:
the "health care discussion" ad infinitum -- is , as you say, a distraction from the WAR....
and the WAR ad infinitum is a distraction FROM the health care problem...
and BOTH are distractions FROM the WAGE injustice problem and unemployment problem
and each of these and all of them are distractions from the creeping fascism , spying, torture, growth of privatization of everything under the sun, enlargement of the "prison system for private profit",
etc; etc.
EACH SINGLE "issue" ad infinitum - always intended to NEVER be corrected towards the civilized way - but always ExTENDED as a "continuing reform"...while actually reforming TOWARDS more and more cruelty
and EACH single issue serving as a distraction from every OTHER issue - each time depending on the greatest usefulness and efficiency for distraction so that the OTHER "issues" - which in reality are PROJECTS of the rulers - accelerate MORE and MORE towards their intended SUCCESS - as desired by the rulers.
every distraction is presented as a "necessary" challenge - but NEVER resolved - and always "about to" ....before moving on to the "refreshing" of the other distractions , warmed up, reheated - and the americans are given no respite to ever THINK and see that ALL THESE are distractions from what is being done TO THEM:
SUBJECTING THEM to never-ending and ever-increasing ENSLAVEMENT.
whether in economics, health care, patriotism, fodder and funders for war , banks, corporations, rich families, privatizing what is no one's private possession in reality...
etc
etc
etc
that's the TRUE American System.
as John Perkins said , CIA former "economic hitman":
a "VERY , VERY VICIOUS SYTEM OF EXPLOITATION THAT DEHUMANIZES and ENSLAVES PEOPLE EVERYWHERE".
despite my "ranting" style - i believe i have generally refrained from calling the USA - at least the system - directly EVIL.
and yet - the more we discuss things, the details, the characteristics-- i am becoming more convinced that the WORD
EVIL TRULY defines the USA. it is indeed becoming more apparent that of ALL COUNTRIES on earth - the USA CONTAINS the greatest collection of what can be called "EVIL" by ANY culture under ANY standard in history...and the tragedy of course is that it can not be mitigated anymore by even the GOOD people in teh USA.
tehy are now simply "inhabitants" of a system and ENTITY that IS the very definition of EVIL.
it is like being in the BOWEL of EVIL itself...even if some people are "humans" to the extent that we can call ourselves or anyone else "good" or at least trying to be good as our consciences advice us...while the surrounding atmosphere is one of EVIL nature.
I think even after all these years, i am only really beginning to understand why General smedley Butler USED that very word, although he used it in reference to foreign policy primarily, while also recognizing teh CULTURE that gives birth to it:
"I will have no more to do with it....(foreign policy) ....what we do is EVIL".
RE: evil? Motion-seconded.
It will be more complicated so that only the well to do will be able to afford assistance to exploit it while the rest will get choked by the details.
We could have had a good socialism with HR 676 but now we have big government meddling for the insurance companies thanks to HR 3962 !
My father was at the VA today. He likes the care he gets btw. They even give him a free lunch.
Anyway, he was talking to the lady at the desk, and she says to him, "I'm leery of the government interferin' with my healthcare 'n 'at."
She works for the VA. Yup.
Free lunch? Where AT? I don't get any free lunch. Mention that and I'd get laughed at.
If she wants to see government interfering with people's health care, wait until HR 3962 and its senate equivalent get signed by the president. Government has no business meddling for the insurance giants. HR 676 would have put an end to government negatively meddling with health care.
Oy. What did your dad say?
article below sounds like it's a report on a third world country sweat shop run by some multinational .....
except that it really IS AN AMERICAN "quality" -- quite basic and as american as apple pie....did it take 300 years to report THIS?:
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November 17, 2009
Work-Related Injuries Underreported By STEVEN GREENHOUSE
Employers and workers routinely underreport work-related injuries and illnesses, calling into question the accuracy of nationwide data that the Occupational Safety and Health Administration compiles each year, the Government Accountability Office said Monday.
The report, by the G.A.O., the auditing arm of Congress, said many employers did not report workplace injuries and illnesses for fear of increasing their workers’ compensation costs or hurting their chances of winning contracts.
The report also said workers did not report job-related injuries because they feared being fired or disciplined and worried that their co-workers might lose rewards, like bonuses or steak dinners, as part of safety-based incentive programs.
“The widespread underreporting so clearly documented in this report is undermining the health and safety of American workers,” said Senator Tom Harkin, Democrat of Iowa and chairman of the Health, Education, Labor and Pensions Committee. “If we don’t know the full extent of the workplace hazards workers face, we cannot fully address these risks.”
Mr. Harkin was one of the Congressional leaders who requested the report.
In response to the report, which examined OSHA’s audits from 2005 to 2007, the safety administration said it would adopt the accountability office’s recommendations, which include requiring inspectors to interview employees during all audits to check the accuracy of employer-provided injury data.
The accountability office noted that the rate of workplace injuries — there were 4 million in 2007, including 5,600 fatalities — has declined fairly steadily since 1992, which OSHA attributed to improvements in workplace safety and the decline in the number of manufacturing jobs.
But the G.A.O. report cited several academic studies that found that OSHA data failed to include up to two-thirds of all workplace injuries and illnesses.
The report noted that because of OSHA’s “sole reliance on employer-reported injury and illness data” in one of its major surveys, “some academic studies have reported that the survey may undercount the total number of workplace injuries and illnesses.”
The accountability office also found that more than a third of the occupational health practitioners it surveyed said that employers or workers had pressured them to provide insufficient medical treatment to hide or play down work-related injuries or illnesses.
The safety and health administration requires employers with more than 10 workers to record every work-related injury or illness that results in lost work time or medical treatment other than first aid. Some occupational health practitioners say that to avoid recording an injury, some employers will try to limit treatment for a serious injury to just first aid.
In other cases, the practitioners said, employers might seek alternative diagnoses if the initial diagnosis would result in a recordable injury or illness.
One manager took an injured worker to several medical providers until the manager found one who would certify that treatment required only first aid, thus making it an injury that did not have to be recorded, one practitioner told researchers, according to the report. Many employers fear that reporting numerous injuries will prompt a full-scale OSHA inspection.
The accountability office said that 53 percent of health practitioners had reported experiencing pressure from company officials to play down injuries or illnesses, and that 47 percent had reported experiencing this pressure from workers.
“This report confirms that when it comes to the documenting of workplace injuries, we can’t just take employers at their word,” said Senator Patty Murray, Democrat of Washington and chairwoman of the Subcommittee on Employment and Workplace Safety. “The system, to this point, has been all too easy to game.”
According to the G.A.O. report, 67 percent of the 1,187 occupational health practitioners surveyed had reported observing worker fear of disciplinary action for reporting an injury or illness, and 46 percent said this fear had some impact on the accuracy of employers’ injury and illness records.
One reason workers fail to report injuries, the report said, was that their employers required drug testing after incidents resulting in reported injuries or illnesses, regardless of any evidence of drug use.
The report also questioned employers’ safety incentive programs, which reward workers when their worksites have few recordable injuries or illnesses.
While these programs can promote safe behavior, the report said three-quarters of health practitioners said they believed that workers sometimes avoided reporting work-related injuries and illnesses as a result of these programs because they feared that doing so would cause them or their co-workers to miss the chance of winning prizes.
Correction: November 16, 2009
A previous version of this article gave an incorrect name for the Government Accountability Office.
Let each of us pledge NOT to buy what these clowns are trying to mandate:: the purchase of for-profit health "care" insurance. Enough is enough. Let's tell them to GO TO HELL! We refuse to buy into this-period.
I probably make so little that I could get subsidies but I won't. A 2.5% fine would probably cost me less than $500. No insurance company would pay for the vast majority of care I would choose and I've paid for my own health care for over 30 years, even when I had insurance. But would they take money from bank accounts to cover insurance after they made you pay the fine?
I have read that some analysts expect enforcement to be a major problem. That suggests that a large number of refusals might snarl the system unworkably.
Perhaps it is time to abandon the US Medical system.
Most Americans can claim the religious exemption.
Doctors can work for a church as "spiritual" healers
Emergencies can be classified as a "spiritual" crisis and handled in special facilities at the church.
Drugs can be purchased off-shore, starving US Based pharma
Lab work can be done at the church or off-shore
Doctors can "visit" patients over the internet. It's time to develop a "human" web and abandon HMOs that limit you to 10 minutes with your doctor.
In short - a new system has be be built that is protected by what is left of the constitution.
It's also time to boycott republicans and democrats and support a humane third party that is humanly accountable.
Let's use creativity and the law to change the system in Washington
but there is a little problem:
in america -- where medical science and technology are - as elsewhere in their various stages of advancement - REAL science and technology :
these are not as important as FAITH - and GOD - according to half of the american population that does NOT believe in Evolution -- SCIENCE. yup -
about 50 percent of the ENTIRE AMERICAN POPULATION does not believe in EVOLUTION..the SAME THING that brings science and medicine and
HEALTH CARE!!
s0 -- how to solve that? why not ASK these americans - CHOOSE:
keep your FAITH in god and DON'T BELIEVE that SCIENCE , imperfect as it will always be compared to endless things in the universe to learn about which we will probably always call a MYSTERY - but is NOT NECESSARILY a thing called "GOD"...just simply TOO MUCH information to ever comprehend by one or any civilization ...
and STAY OUT of the public health care system of any sort...and keep your private insurance and PRAY, PRAY, PRAY!!! to the god that you believe created the world and universe in 6,000 years -- all at once.....including the dinosaurs....who, according to YOUR calculations and time-frame existed for, uh, about 100 years maybe....
Wow, who would have thought that I would be googling "Religions that don't believe in health care," and then, when I got nothing from that, "Religions that do not believe in medicine." (Thank you, Google, for your search suggestions!)
It seems that the fairly large Christian Science Religion was probably the main one the Democrats had in their crazed and obsessed with getting something passed minds when they added in the religious exception clause to the health insurance mandate. It appears, and of course this will have to be verified later, that being a member of the Christian Science Religion will remove from oneself the burden of being a slave to the health insurance multimillionaire execs and the proposed slavery enforcement bureaucracy.
Anyone who has been going without health insurance and who knows or even just strongly suspects that it would do more harm economically than good health wise to be forced to get it now, that in other words it would do more harm than good overall, should consider joining this Religion. Because by default having to heal naturally for some number of years, those who have gone without health insurance have been, probably unbeknownst to them, following a set of very major tenets of this religion: that mankind is more spiritual than physical, and that healing is much more spiritual than physical, and all those who have spiritual health will be physically healed, subject to God's will.
(Jeez, I hope I didn't screw up my description of the Christian Scientists; I'm not exactly a veteran religious reporter, laugh out loud.) Here is where to go for many more details:
http://en.wikipedia.org/wiki/Christian_Science
Note that:
(a) The Christian Science Religion does not expressly forbid adherents from getting health care, though apparently few who are at all serious about their devotion to the Religion do so, except, I would expect, with respect to emergency situations such as car crashes and with respect to dire situations like tumours that could be terminal.
(b) According to the Wikipedia article, many Christian Scientists are not obsessive about overstating what is supposed to be avoided. Many of them do not consider such things as dental care and vision correction as things that need to be avoided. It’s the physician care and medicines that they are thinking are generally unnecessary, in a big majority of cases, and at least for the true Christian Scientist.
(c) This Religion will probably constitute by far the biggest and the most dependable one with respect to not having to comply with any "mandate" to buy private and grossly overpriced health insurance.
Never forget that under single payer and other community based national health systems where private profits and obscene salaires have been mostly or completely removed from the system, adults only in rare circumstances, and children only in certain life threatening circumstances, are required to get the (at the time of the care decision) effectively free health care. Health care liberty is preserved in those systems, unlike in the right wing US proposal.
There are people in those countries who have such strong beliefs against health care in general or medicine in particular that they never or almost never use their national health care system! It is, for example fairly well known by international economists that, although there are probably few British who never ever use their Health Service, that the British are much more reserved and hesitant to use health services than are people of other countries.
What this reminds you of is that you as an American have the perfect right to claim opposition to health treatments (regardless of what combination of motivations for doing so you may have, and expressly including being motivated by not wishing to pay unaffordable amounts to health insurance mega Corporations). Many Americans will now be more or less REQUIRED to somehow gain an exemption to the mandate in order to truly claim opposition to health treatments in the US. One can expect a surge in new converts to the Christian Science Religion over the next few years.
Now that I think of it, (while listening to roots reggae star Gyptian) I think the Rastafarians may qualify for an exemption too, assuming no racism in the selection of religions that will qualify for exemption, And actually, since I already know quite a bit about them and more or less agree with them, maybe I'll formally join the Rastafarians very soon.
http://en.wikipedia.org/wiki/Rastafari_movement
http://www.youtube.com/watch?v=fggeoCsmK6E
Who would have thought my love of reggae music might come in so handy some day. Redemption song indeed.
NDP-US, start to make it so, please >
http://www.unity-progress.blogspot.com/
Sioux Rose
TREMAINE: When I was a new mother nursing my children I learned a lot from women into natural childbirth, midwives, and the La Leche League. They, too, championed the Christian Scientist affiliation to avoid the innoculations being forced on children some 25-30 years ago. I used it and am very glad I did! My daughters are very healthy and have much better teeth than I ever did! Thanks for reminding the forum that this option can be used. I would not mind paying into a plan if those running it were conscionable and actually recognized their sacred duty by honoring the needs of all members, and thereby PAYING for necessary services, as opposed to hiring geniuses to find the remotest flaws in persons' backgrounds as excuses NOT to cover their necessary medical expenses/care. This strategy (the religious exemption) will save forum members who do not have the means to pay for insurance, and/or morally oppose it given it's being run like the MAFIA.
Insurers are to health care what Monsanto is to breakfast foods. Only sharks swim in the sea of scum that passes for American commerce these days, albeit this model is being exported to too many other nations, too.
ARMY BRAT: Glad to see you posting again. I hope you're feeling stronger.
"Health Insurance" is nothing but legalized extortion. Just like the legalized bribery of 'lobbyists' - such things are illegal if you try to pull them on your neighbor, or anyone else. This is pure Mafia government - fascism to the core. And it only gets worse - there is only one cure for fascism - extermination. But most of us won't see that in our lifetimes - it was only Hitler's insane invasion of Russia that ended fascism in Nazi Germany. Who would end it for us?
Certainly "We The People" are in no position to oppose the militarized system under which we subsist. Hitler's favorite trick was to send troops across the country to attack people they didn't know - he knew even cops and troops would balk at killing their own families and neighbors. And then there are all those mercenary outfits staffed with psychopaths... There is no hope for us - not for a very long time. It can only get worse. That's why a 'standing army' was banned - along with corporations without term limits, private banks, and that long list of obvious civil (human) rights that no longer exist - by those who revolted against the fascist (corporate/military-controlled) government of Britain at the time. There is no hope for us - and no future for our children, or probably even our grandchildren (at least the ones that survive this insanity).
We are long past the point of no return - and there's not a damned thing any of us can do about it. Even 'our' local SWAT teams are more than willing to intimidate, beat, torture, and even slaughter anyone who gets in their way - probably would kill their own family members and neighbors - something even the Nazis were unwilling to do, for the most part. But then, there were always a higher percentage of fascists in the US than in Germany - and don't forget that they supported the Nazis right up until (and even after) Pearl Harbor Day. The failed coup against FDR and all the domestic assassinations since should have given us a clue as to what was to come - a sneak attack by domestic terrorists who now rule this country.
You got that right. Government should either pass single payer or get out of the way and stop meddling for the insurance giants.
"The government is best which governs least." - Thomas Jefferson
EXACTLY.
let's repeat that
"HEALTH INSURANCE IS LEGALIZED EXTORTION".,
it IS a racket. private corporations out for money, simply finding a "business" -- health care - for stealing money from the public - and PRIVATE ENTITIES TAXING the PUBLIC by "other means" ...that "other means" is known as "premiums"...and "costs".
tehy should simply be taken out of the picture, ENTIRELY. not permitted to FORM as a social class and group. that is not being "dictatorial" it is simply LOGICAL...because they do not exist to "give care" - they exist to SUCK BLOOD like Vampires .
therefore they are HARMFUL to society.
We've been conned! The Dems. are just as much a bunch of Corp. stooges as the GOPERS they just use immense amounts of BS to try and hide it. This awful farce is so far from Real health Reform it doesn't deserve to see the light of day. I hope the GOpers somehow manage to ironically abort this disaster before it's born. The Dems. deserve a huge political pie in their faces for this disgusting waste of energy and time.
compare this American system of legalized extortion by privateers - sanctioned by the government under the capitalist money philosophy above the health of society
WITH the "EVIL COMMUNIST PARTY OF CHINA".
which just happens to be in the midst of a MASSIVE, i mean MASSIVE national program - TOP PRIORITY as its industrialization and considered ESSENTIAL to its RISE, and ESSeNTIAL to its economic stability and ESSENTIAL to its domestic development: the MASSIVE NATIONAL Program of funding health care for everyone so that where it lagged for a century - through the interruptions of western imperialism - and the challenge of "waking up" to modernize , national health care is extended to the entire country.
THAT creates jobs, THAT creates wages, THAT creates small businesses, family and local businesses - under the mandate of a NATIONAL HEALTH PROGRAM that is placed as INTRINSIC and ESSENTIAL to its stability and rise - and what chinese call
"harmonious society" and "avoidance of social chaos"...things that in WESTERN ideologies connote "dictatorship" with ITS own "bad" connotation reminiscent of Hitler or Hussein but which is of course ANOTHER western misunderstanding of eastern philosophical thought in society.
but the point is:
where health care on a NATIONAL SCALE is concerned.
the USA is barbaric compared to the "EVIL COMMUNIST CHINA".
see there IS truth in two things and UNTRUTH in ONE thing:
2 things true:
when china says "we shall adopt and absorb good things that the world offers...but we shall NEVER be a Western country ...we shall ALWAYS be what we have been..CHINA"..
the USA's ONLY god IS money.
UNTRUTH is:
"THE USA is a society of HUMANENESS and justice".
in these things...one difference is shown:
CHINA's leadership actually has the CHINESE PEOPLE's INTEREST as a reason for its existence and power.
USA's leadership has its "corporate citizens'" INTEREST as a reason for its existence and power.
in teh former - CHINA and its leadership - both people and party - regardless of flaws that always will exist - are CLOSER to being ONE and the sAME people with ONE and teh SAME interest -- BEING CHINA.
in the latter - USA and its leadership - IS flawed in that the PEOPLE's interest are IRRELEVANT to the interests of the Corporate rulers who COERCE everyone else that THIS is "america" even if , in reality, THEY are NO MORE "american" to these corporate rulers
than HU JINTAO is "as american as apple pie".
the 299,000,000 million "americans" who are NOT as powerful as the rulers -- are actually FOREIGNERS in their own country -- as easily as a kenyan or indonesian or chinese is...
For ALL their complex varieties WITHIN china - china has always BEEN china for at least 4,000 years.
for ALL the supposed "UNITED" states of america - USA has always been RULERS and "slaves" from foreign lands all collected in one place...called "USA".
What a mess! Thanks, Carol, for actually reading through 1990 pages of this stuff and then summarizing it for the rest of us. How many people in the House did what you did and actually read what they voted for?
Politicians don't read bills. Their staffers do it for them and then work with them on selective quoting to make a point to support or oppose a bill. If it weren't for that, politicians wouldn't be on the air so often.
The writing, reading and quoting of the bills is all done by lobbyists.
Staffers are there to triage the lobbyists waiting in the hall.
And to get the coffee.
Silly me. I wasn't even thinking of the lobbyists but they sure do most of the writing even more than the staffers and I've met some of them ready to rubberstamp and then slack around the few times I ever met politicians' staffers up close and personal.
How can it be legal/constitutional to require We the People to have to buy ANYTHING from a private industry?
How can federal representatives make a law that We the People be codified by ability to pay - and will we subsidize their "highest level" while we go bankrupt paying not for care, but for insurance for the right to seek care?
What is our constitutional recourse here? This "reform" seems the antithesis of the Freedoms guaranteed by our Bill of Rights
Live Simply So That Others May Simply Live
It is already done in most states with car insurance.
The state does not require everyone to buy car insurance; only those with cars.
OTOH everyone needs health care.
I also find it incomprehensible that the State should make mandatory the purchase of any product upon penalty of fine. It removes the option from the rich to self insure by always paying cash. Surely that infringes upon their freedom to choose? Will the State also grade or perhaps guarantee the product offered by various suppliers?
In many areas people need cars. When laws require unsustainable expense, they criminalize poverty.
That is very much the case today here in Southern California, where poverty and relative poverty, lack of public transport, and inflated settlements brought on by inflated medical costs force a large percentage of the population to drive without insurance and without licences.
In practice, few of the rich self-insure. Money in excess of basic needs is of sufficiently little real value that the rich can accept a probable net loss to institutionalise the risk of more catastrophic loss. The poor and moderately poor, by contrast, have to sacrifice nutrition, sleep, the right to raise their children, educational opportunities, or their status as legal, law-abiding citizens.
The problems mandatory health insurance will create will be worse. Those who drive tend to work; those who work tend to earn; those who earn tend to be more likely to be able to pay for insurance.
All that works in reverse for health care. People will be required to pay while they get healthy. When they get sick, they will fail to pay and not only be dropped, but find themselves in violation of federal law.
FINALLY, someone in a CD article notes that premiums are not the only expense associated with US health care. Unless you want your health insurance to be a never used novelty piece, when you actually seek the actual health care, you will have to pay co-pays that will easily and quickly add up to the $5,000 per year maximum that is in the house bill. Watch out for that to end up being as much as $7,000 per year in the final bill out of conference.
And I guess you can deduce from this article that you should immediately add $1,500 per year to whatever your annual premium is, because you will have to pay that as a deductible every time you first seek health care in a new year. Watch out for that to end up being about $2,000 out of conference. So to determine your total US health tab, add $6,500 to $9,000 per year to whatever your premium is unless your health insurance is just to be a worthless novelty piece.
If this insanity passes there will be millions of fools patting themselves on the back for complying with their right wing government and having health insurance through the exchange or whatever, but with no intention or financial wherewithal of actually seeking health care unless they get hit by a bus or something, in which case they will end up filing for bankruptcy just the same as they would have in the old system.
As I have said before, this is simply rearranging the deck chairs on the Titanic. We are still going down, because systems with holes in them in go down the same way ships do.
How can you avoid becoming a slave to the multimillionaire health plantation owners (um, I mean the health insurance execs)?
--Your income is less than about 133% of the federal poverty line.
--You are in a religion that forswears health care. Start looking for one now; they should be free to join, and maybe you can participate on the internet and never have to physically go to a service (that may not be located in your area). Note that simply being in such a religion does not legally prevent you from getting health care in an emergency where you decide you really need it and want it.
--Move out of the US. Let's face it, with zero jobs created in more than a decade now, and now with the advent of forced purchases of private products, what is the point of living in the US anymore, unless you are old and stuck in your ways?, laugh out loud).
Yes, I know all too well this is far easier said than done. For example, Canada will in most cases catch you, arrest you and throw you out of the country for posing as a Canadian to try to get a Canadian job. You need a multi-year plan, or else you need a destination country that really, really wants new residents.
--Live in or move to a state that fights back by making the Health Insurance Deform partly illegal. There are moves afoot in about a dozen states to make it state law that no resident shall be forced to buy health insurance, and that no resident shall be forbidden from paying cash for health services. More states will join this movement assuming a small number of states blaze the trail by actually passing new legislation.
Here are the preliminary developments in the states:
http://www.ncsl.org/?tabid=18906
NDP-US, start to make it so, please >
http://www.unity-progress.blogspot.com/
I really appreciated this article for clearing up so much of what the MSM have barely mentioned despite their 24/7 opportunity to do so.
As for the allegation that this "deform" will cut Medicare by some $500 billion (over 10 years?) it is still not clear to me whether this would come from straight Medicare (Parts A & B) of from the AARP-type Medicare "Advantage" plans, in other words lead to raising the premiums for these or cut their benefits or both.
In any case the level of corruption in Washington is now clearly beyond the pale. In addition, this looks like a new and threatening role for the IRS, acting as the "insurance police," actually enforcing corrupt practices. Obscenity takes on new meaning.
-30-
Yes, it looks like the Illness and Death Profit industry will have coercion to back them up. That's what I call a win-win situation. Millions of new victims, I mean customers, Billions more in new business and profits, AND the Feds will be the enforcers. That will save them litigation costs as well. The IDP industry hit the Trifecta on this one.
There is a new meaning to the term "your money, or your life"
No surprises here. The folks who dictate policy, dictated policy once again.
Like George Carlin used to say: "They Own the Place and they don't give a F@$% about you."
One cannot expect anything less than institutionalized corruption from an institution that is thoroughly corrupt.
The rules are rigged and we lose every time. Hmm, maybe it is time to demand the rules be changed.
Miller sez: "We will gamble as we choose a plan, decide which corporation will be the best for us, hoping we pick one that is not dominated by corporate bureaucrats focused on rationing care to maximize their profits."
***
Um, yeah. Good luck with that snipe hunt.
We will we have "no health insurance company left behind"?
the nwo prevails
they get their way or as country singer/guitar extaordinaire jerry reed once sang:
they got the gold mine
we got the shaft
this government is dead - has been for some time - and i do mean doa
there is nothing left for us to do - the palestinians will have their two state solution before we ever get any justice out of the republicats and pres peacenik
as the plo sifts through their pile of turds wondering what they are going to do so should wwe be sifting through ours
for us, the direction is down down down
our quality of life is so low now that we are near peasantry at the moment and still sinking fast
same is true of the whole world and there is only one question:
how long are we going to sit back and let the nwo destroy us and then subsequently when are we going to get off our poisoned and vaccinated asses and take the country back
simple question really
Democrats continue the drug profiteering begun under the 2003 Republican pillage plan:
The House version of the bill was said to have $14bn of drug cost savings per year over 10 years.
Obama's pal, Billy Tauzin, got the White House to reduce that to $8bn a year over 10 years, on the grounds that big pharma was going to be impoverished by reform.
Meanwhile, drug companies have increased prices by 9% this year, a total of $10bn (those profits will be there every year, amounting to $100bn over 10 years). Now that their profits ALREADY exceed the alleged saving by $2bn a year, these poor drug companies that Tauzin so ably represented have now revised the study on which they based their claim of impending poverty in Obama's White House deal.
It is robbery, plain and simple. Our government is an organized crime racket. I look forward to the day when the Democrats prove me wrong.
The details above can be found in a NYT article today called "Drug Makers Raise Prices in Face of Health Care Reform," which could alternately be titled "Democrats Deepen the Slave State to Secure Campaign Contributions. Corporations Continue to Collude with Government to Profit on the Backs of Citizens."
Sioux Rose
PITCH FORK: You are so right about the robbery in plain sight, but that was also the M.O. of the "banking crisis," while the MIC M.O. is always "sending more troops" as recipe for escalating the already in progress disasters. While I saw the truth in Nader's words that there was no longer any ostensible difference between the two political parties, I never thought Obama would march lockstep with EVERY single egregious policy of his mortally warped predecessor. A lot of wise people in this forum explained the "good cop/bad cop" dance between the parties, and presumed that at least some crumbs would be thrown to the left by the Democrats. Instead, what is happening in America is the triumph (if it can be called that) of such a sophisticated psyop-propaganda machine pumping image over substance, lies over actual reality, 24/7... that the result is a great many people think Obama is doing OTHER than what Bush did merely due to the way policies are FRAMED in the media echo chambers.
The outrageous and continued give-aways to all the wrong players while America, like the Titanic, is sinking fast is a moral travesty so lacking in the remotest visions of sustainability or humanity, as to make finding the words to express the depth and scope of betrayal almost impossible. Truly fiction has crossed over into what once was taken for the scope of non-fiction. What is now passing for policy is INSANE.
Hi, Sioux Rose! Nice running into ya.
Yup, same M.O. on all the big issues. I feel like the social contract has been broken. As you said, "a moral travesty so lacking in the remotest visions of sustainability or humanity, as to make finding the words to express the depth and scope of betrayal almost impossible." Almost impossible, but I keep trying! "Insane" is one of the words for it. I laugh to keep from crying. Currently I call the nwo bystander in chief "O'Hoover". Like Hoover, he seems to neither know nor care what is happening to us, a quality that was probably a job prerequisite.
This legislative boondoggle cum clown show has really driven home the point that "Medicare for all" (Single Payer) is really the way to go.
In a related development of particular concern to me: a neighboring state, Arizona, is serious about opting out of the whole thing so they can stay in the current messy status quo. It would not be surprising if this comes to pass to have stories of poor Arizonans crossing over to California for medical care. It actually tempts me to propose this in a move reminiscent of the Great Depression where the LAPD stood guard at the CA. / AZ. border to prevent the further migration of poor Okies: stop all Arizonans crossing for medical care, put them on to buses, and drop them off at the front lawns of Senators Kyl and McCain.
This is really a very good summary of the flaws in the bill. My one quibble is that even the few modest provisions Miller identifies as "positive" should probably not be viewed as such--expansion of Medicaid and various other low income programs through this bill are going to amount to unfunded mandates, which will only intensify the crisis going on in local and county budgets across the nation. Single payer would lead directly to a sharp decrease in property taxes everywhere. This bill is going to force communities to instead keep edging them ever higher; or else, as may be more likely, abandon funding to medicaid and other crucial safety net programs.
I saw Eric Massa speak in Rochester, NY yesterday and he stated that the bill will take $500 billion out of Medicare. That is going to lead to reductions in Medicare payments to doctors, which will force doctors to require "suplemental policies"--in other words, by cutting Medicare to pay for all the subsidies for the new mandated insurance people are legally forced to buy, the Congress has ensured that in a few more years, the insurance companies will get yet another windfall when all the now underinsured Medicare recipients are forced to buy suplemental plans.
This bill is very similar to the Medicare Part D fiasco that Democrats have been running on for years now. If Republicans had passed this bill, groups like the AFL-CIO and Moveon.org would be screaming from the hilltops. Instead they are sending me emails, telling me to thank my heroic Democrat legislators.
Briggs Seekins
briggsseekins.wordpress.com
"Single payer would lead directly to a sharp decrease in property taxes everywhere." - Briggs Seekins
The Republican and Democratic parties rely on stealth taxes such as property and sales taxes to offset the costs of their tax cuts for the wealthy elites. States with no income taxes have the worst in property and sales taxes. I've met the worst of the fake "liberals" who would say "Without property taxes, public schools can't be funded." These are the kinds of people who deserve to be shot at.
The last two paragraphs is all wishful thinking at this point. HR 676 takes care of that but it was never put on the table. In fact, not even the author of that bill John Conyers chose to use his powers to bring up that bill but Kucinich tried. In the end, Conyers chose to vote for mandatory care while Kucinich voted against it. Well here comes the millionaire's club, the Senate. I don't expect S703 to be brought up. In the end, what we have is deform indeed.
When entering a voting booth, disregard all candidates with an R or a D after their names.
Imagine that, bait and switch,
a corporate windfall with a
Dem president, Dem house, 60 Dem senators.
Ain't dem da apples?
How can you believe in dem?
Vote dem all out.
There are not 60 Democrats in the Senate.
q
Oops, you got me on an independent kinda' technicality.
But, that was their shpeel. Ooooo filibuster.
As if the dems would ever use the rules to do the right thing.
There could be 80 Democrats in the Senate and the same thing would happen. Even with 68 Democratic senators in 1965, LBJ had to beg some Northern Republicans for help on passing the civil rights legislation.
http://politicalscience.stanford.edu
/faculty/documents
/weingast-untold%20story%20of%201964%20civil%20rights%20act.pdf
Single-payer OR SINGLE TERM(S), first, in 2010, then in 2012 (especially for Uncle 'Bomb) and finally, in 2014 for the filiBusters!
I just got health insurance, for the first time in a few years, through work...a HMO plan. I'll soon experience the "best health care system in the world" for myself.
I had that same feeling too on my first job that gave it to me as well. Don't be fooled though. Look out for co-pays where you will least expect it and sometimes the wording can be tricky on what all is covered vs what isn't. The "health insurance" you and I have are nothing like real coverage that genuine universal health care would provide. We are taking pay deductions and paying more in taxes for an illusion of being covered.
Companies can also change their provider to a bad one at any time if their current provider is putting way too much in overhead costs without reason. Try running a small business or being a co-manager of one and see what a total headache it can be putting up Big Insurance persecuted small businesses.
From what I've seen of the coverage details, it's basically like a discount system for doctor's visits, lab tests, prescriptions, and other routine stuff, including vision and dental care. That's fine with me for now, especially since I'm not paying a premium. Of course the real test will come when (hopefully if!) I am in a medical emergency.
zmann --- Miller says only the costliest plan covers adult dental and vision.
I have a good company, I guess.
Zmann, that's good that the basics are covered. And trust me, you don't want to ever be in a medical emergency no matter what gets covered. It was scary when I was in one but not as bad as the one my older friend had been through for months until he finally made it in August.
I think you can make it no matter the odds. :)
P.S.: I just realized that my last sentence had a little grammar error. It was supposed to read:
Try running a small business or being a co-manager of one and see what a total headache it can be putting up with Big Insurance persecuting small businesses.
You are correct zmann. We do have the "best health care system in the world". That is when your yardstick is to make has much money as possible for has many people as possible off of the backs of the working man. The primary purpose of our current system is to make money, providing health care to citizens comes in a very distant second place.
It is a great sickness care system. As a health maintenance system it is fair to poor. But the real problem you run into is the cost: insurance is an abysmal system. It is obscenely expensive and when you need medical care, they don't always cover you, and even if they do you still have to pay more-- sometimes all of the cost, which is frightfully high-- directly to the hospital/doctor/dentist. I am of modest income and I avoid going to the doctor for all but the most dire circumstances, and I know there are millions more like me. This is not a humane health care system.