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Health Care Reform Helps Insurance Companies Profit

We could subsidize Health Care service providers:

The cost of giving every licensed physician $100,000 would only be $90 billion per year.  This sounds ridiculous and expensive.  Ninety billion dollars spent with no detailed government oversight. People would have to pay co-pays and buy medical insurance without Government assistance.  Poor folk would get the same care without a lot of paperwork.  Dissolving Medicare and Medicaid would allow a free market to sell services for about fifty bucks a month per person. Yes, current payroll deductions would continue in order to augment compensation for all medical personnel relegating catastrophic health insurance to be bundled with car and home insurance schemes.

But:

No one seems to like the idea of giving tax dollars to doctors, nurses, and healthcare professionals.  No…, no, no, we can’t do that–our politicians, (and voters), would rather give insurance companies your tax dollars.  The enlightened goal is to provide everyone with a ‘plan’.  We are fated to accept the voters demand for subsidized health care insurance.

Payment of your medical bills gives dividends to stockholders and companies who are in business to make a profit.  They need to give higher dividends, don’t they?  After all, the yearly compensation for the Aetna CEO was a paltry twenty-seven million in 2016.  Stock options helped a lot.

Our health plans subsidize insurance companies in order for them to make money from your illness.  Sounds harsh, doesn’t it?  Your medical bill – if you can figure it out – includes profit for the stockholders, compensation for insurance sales persons, insurance executives pay, insurance buildings, advertising costs, and finally – your doctor’s salary.  The bookkeeping and bureaucratic overhead alone adds only about thirty percent to your bill.  The government argues that their portion of overhead is low.  That bears some truth because the bureaucratic efforts are made by the providers, (more on that later).  The government must ensure the fair and correct spending of your taxpayer dollars and their oversight requires massive record keeping and the development of forms.  Just remember–the government is here to help… to help…to help.

Some details collected from Justfacts.com:

Roughly, 60 minutes of paperwork are performed for every hour of emergency department care, 36 minutes of paperwork for every hour of surgery and acute inpatient care, 30 minutes of paperwork for every hour of skilled nursing care, and 48 minutes of paperwork for every hour of home health care. “Each time a physician orders a test or a procedure, the physician documents the order in the patient’s record. But the government requires additional documentation to prove the necessity for the test or procedure.”

  • “Many forms … must be completed daily by clinical staff to submit to the government to justify the care provided to skilled nursing facility patients.”
  • Medicare and Medicaid “rules and instructions” are more than 130,000 pages (three times larger than the IRS code and its associated regulations), and “medical records must be reviewed by at least four people to ensure compliance” with Medicare program requirements.
  • “A Medicare patient arriving at the emergency department is required to review and sign eight different forms—just for Medicare alone.”
  • “Each time a patient is discharged, even if only from the acute unit of the hospital to the on-site skilled nursing unit, multiple care providers must write a discharge plan for the patient. This documentation, as long as 30 pages, applies to all patients, regardless of the complexity of care received within the hospital or required post-hospital setting.”
  • In addition to regulation by state and local agencies and private accrediting organizations, hospitals are regulated by nearly 30 federal agencies.

Our government cannot think about giving tax dollars to health care professionals when paper pushers are more necessary to guarantee profits for insurance companies.  The massive government database contains items for every illness to include getting bitten by a duck or walking into a lamppost. They even have an item designation for walking into a lamppost for the second time.  Yes, the government will document your lamppost ‘problem’.

Who pays for all this?  You do.  Does the doctor really make out financially?  The admin persons at the hospital can make more than a surgeon.  Do you want that Admin professional in the operating room?  Don’t worry – admin is always there in spirit.  Someone must ensure the stockholders make a profit.  Is your deductible paid?  How much will the government kick in?  Does the patient ‘plan’ ensure this procedure is cost effective?  Everyone should be concerned with the last statement.  What happens if the procedure is not cost effective?   Does the cost/benefit/risk analysis allow a bone marrow transplant for a patient deemed terminal, (without one)?  Ask the insurance company or hospital admin – the only case I know of concerns a deceased mother of two who did not meet the criteria.

Whatever health care system you like should exclude stockholder dividends.  Your bill should not include a dividend to stockholders gambling on making money from your illness.  Some CEO should not be making millions each year by managing insurance schemes that profit from people requiring medical attention.  People are actually demanding government-sponsored monopolies because politicians tell them there is nowhere else to go and no other method of eliciting professional service.

All hospitals, including Non-profits, currently absorb the costs of services provided to the poor.  (Insurance covers costs in order to make a profit and do not include non-paying patients).  For example: According to the research by the research of Craig Garthwaite, Tal Gross and Matthew J. Notowidigdo, the cost of each poor patient in Tennessee is over a thousand dollars.  The hospitals lose money unless Medicaid shares the burden.  Your taxes pay for that as well.

A single payer plan will allow the Government to ‘help’ everyone by raising taxes and dictating the costs of all benefits.  ‘Medicare for all’ is a mantra for single payer advocates.  Sounds good, doesn’t it?  Cuba and Canada enjoy the benefits of single payer.  You may experience Canadian relatives taking residence in the USA in order to get medical attention but such activities would never happen if Our government took over health care and dictated the compensation to all medical providers.  Our government has a proven and cost effective record of … ‘helping’.  You can relax and feel secure when your doctor enters the operating room and tells you, “I’m from the government.  I’m here to help.”  Hopefully, you can understand the language used.

Twenty percent of our doctors currently come from foreign countries and there is a predicted shortage of doctors in our future but never fear – government insurance schemes will provide succor and it will only cost a couple TRILLION dollars.  Of course, we may have to deal with the government directing our lifestyles in order to keep premiums low and profits, um, manageable. Drinking soft drinks and eating meat may become as unhealthy as owning guns.  Government mandated bicycles could replace electric cars and who would want to go to school for 14 years to become a low paid doctor employed by the government?  A small increase in taxes, perhaps an extra TRILLION, might cover the expense but don’t worry, we can always raise taxes.

Now may we discuss subsidizing the providers instead of subsidizing insurance companies run for profit and controlled by government bureaucrats?

Health Care and the Government

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Not approving Ryan Care was a narrow escape from an increasingly intrusive government that seems bent on controlling every aspect of American lives.

Most people would prefer to see a doctor when they have an illness or physical complaint. They would not willingly take a sick child to an insurance outlet or government building unless they had no choice. (Imagine taking a feverish baby to the DMV for treatment). Yet when you enter the doctor’s office and notice all the busy people that greet you from behind a desk – what do you think they are doing? They are filling out forms and documenting your access to insurance companies and government agencies who dictate the cost of your visit and the care you are entitled to receive.

Countries having high levels of subsidized health care, France and Italy are good examples; require that everyone pay into the government health fund. In America we all pay 1.45% of income, (hiked by an employer tax of an additional 1.45%), into our Medicare system but only people getting Social Security get the benefits. In 2015 the American Hospital Insurance Trust Fund garnered 275 Billion in taxes and spent 646 billion in services for only 15% of the population, (according to AARP).

So the illustration here is that we already have a universal insurance system that is paid into by every worker but the benefits are only distributed to retired people and the outlays for this insurance scheme exceed the inputs by about 371 billion dollars a year. The numbers get MUCH worse as they are analyzed to include every citizen.

Consider, for a moment, what insurance is supposed to provide. Health insurance is supposed to pay for the professional services, equipment, and drugs provided by licensed physicians and hospitals. In order to Control prices and services the government and insurance companies create rules, regulations, and make an effort at price fixing procedures. They require immense databases to achieve these goals and you can appreciate the health code designation of being bitten by a duck as just another line item under their scrutiny. If you think that is a bit complicated, there is another entry for walking into a lamp post. Too much? How about the designation of having walked into a lamp post for the second time?

Clearly we have too many ducks, lamp posts, and regulatory constrictions that are meant to control costs but inadvertently end up controlling lives and behavior.

Since the insurance is supposed to pay for professionals – take a look at what we could do with the 275 billion collected every year:

Give every licensed physician $100,000 …. .90 billion per year.

Give every registered nurse $30,000 ……… 90 billion per year.

Give every hospital $17 million………….…95 billion per year.

I just ran out of Medicare funds at 275 billion but our government spends over 646 billion on Medicare and adds another 546 billion with Medicaid, (2015 numbers). Where does this money come from? The general fund supplies the extra largess – – in case anyone is noticing our country currently has 20 Trillion in debt.

Well what if we doubled the tax rate for Medicare and now garnered an extra 275 billion for:

$75,000 for every licensed Nurse Practitioner…..…..8.3 billion per year.

$45,000 for every Physician Assistant………………3.2 billion per year.

Drug subsidies………………………………….….263 billion per year.

There – everyone in the USA would now be covered to some extent and to receive the subsidies all the accepting parties would have to do is not turn away any citizen from medical services. The government would no longer be in an insurance business where they have proven to be incredibly inept. The Government involvement would be relegated to a disbursement of collected funds to health professionals. The savings in paperwork, regulating, and oversight would actually save about 30% over current medical costs dictated by insurance. If the extra taxes are too big a burden consider paying the extra 275 billion from the general fund while still reducing the overhead by over half a trillion dollars per year.

Nothing is free, however, and the amounts mentioned will still not cover the total expenses. An average doctor’s earnings are about 160,000 per year and how will they make an income – not to mention the pay of specialists who spent years in getting certified?

Co-pays.

Let doctors, hospitals, drug venders, and specialists charge whatever they desire in the form of co-pays. Some doctors in Kansas are charging $50.00 per month for adults and $10.00 a month for children to cover all medical services and they negotiate a discount of over 80% for drugs used by members who pay the monthly service fee. (Only 100 patients would be needed to add 60,000 per year but facilities and staff are still an expense that requires income). Catastrophic insurance can be purchased to cover the large co-pays that may be demanded for major medical services like cancer treatments, transplants, significant surgeries, expensive drugs, or continuing services like dialysis.

In the future, one might see catastrophic health insurance ‘bundled’ with car and home insurance plans. Medicare, Medicaid, and Obamacare would be gone. Only the Medicare tax would remain. Paperwork would be an addition to the IRS tax form.

There is more the government could do of course – Allow health employees, doctors, assistants, etc. to pay minimal or no taxes for example. Tax free health saving accounts and catastrophic insurance sales across state lines could be allowed and perhaps, someday, be offered by employers that allow employees to carry the account privately or onward to new employers.

And what about the poor people who get sick but have no job, pay no taxes, and have no catastrophic health insurance? The poor will always be with us – that is why we paid the doctors up front. No citizen will be denied service by those who promise first to do no harm.

This style of funding should also spur an interest in more people willing to become doctors which are currently predicted to be 90,000 short by 2025.

Concrete and predictable medical costs have proven to be elusive when payments are made by governments and insurance companies. If someone else is paying – the billing is of little consequence to the patient. In this subsidized system, transparent costs would allow patients to seek the best service at the lowest co-pay. No two hospitals charge alike and most patients only get solid costs after services have been rendered.

No one would like to take a car to a mechanic, who never provides an accurate estimate of charges unless they knew someone else was paying, (insurance company). Fortunately, mechanic mistakes can be expensive but are not usually life threatening. Medical services, conversely, are given very little latitude where judgments fail to achieve desired results. Complex problems are weighed in terms of outcome and risks to the patient vs. costs, profits and risks to the insurance providers. Health providers do make mistakes but such errors are often the product of being human where, in the end, we all return to the manufacturer.

How to Repeal and Replace Obamacare and Avoid All the Complaints

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Think about the complaints and concerns instigated by the dire thought of repealing Obamacare:

People would lose the free services provided by Obamacare.

The Government would lose tax income provided by Obamacare taxes.

Democrats will complain and spin any replacement concepts as insufficient – and probably racist.

 

My suggestion is to consider Replacing Obamacare before repealing the act, mandates, and taxes.

Replacing Obamacare with a concrete system would allow all supporters and detractors to review the efficacy of the replacement – before – dissolving Obamacare.  The concerns of replacement aspects will be answered, improvements can be made, and costs can be determined so that health services can be available before the ACA collapses due to an inherent poor design seemingly created for income redistribution rather than health care. The added bureaucracy is astonishing, (and adds about 30% to the cost of health care).

 

The largest issue in this method is cost.  The government would be paying for two health systems during the SHORT time allowed for a comprehensive review.  Still, the added cost can be justified as the price of getting the new system right.  One might note that paying for the medical costs of disadvantaged folk is likely to be a cost in both systems so that should not be considered an additional expense.

The second largest issue is also cost – in terms of lost revenue gained by ACA taxing of citizens already taxed by Medicare.

 

Politically oriented complaints and accusations, name calling, and reports comprised of misinformation and ‘spin’ will be provided by many politicians and media pundits more concerned with gaining self serving power than serving citizens.  Such is the divisive state provided by the last decade of politicians and this proclivity will not suddenly disappear, however, logical and sincere debate should be encouraged for a short period.  Creating another 2000 page series of laws crammed into an Act cannot be allowed.

 

Sounds simple – well, no – but I believe the concept is more reasonable that Repeal and Replace.

What do you think?

American Reform

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Medical Care:

Every working American is automatically signed up to make inputs into a national insurance package called Medicare.  Workers and employers have no choice.  Obamacare adds to the expense by incorporating additional insurance schemes that raise the costs of overhead.  While the collection of individual parameters and databases can lead to a refined control of the behavior of patients, little control is provided for the overhead costs of insurance companies who collect patient information to the level of being bitten by a duck or walking into a lamp post.  Yes, health insurance providers claim low profits but CEO’s average a compensation of over 10M per year.  Administrators also earn more than most doctors.

Money can be saved by dumping external insurance, beefing up and streamlining Medicare administration at the State level, and limiting insurance to servicing medical practitioner co-pay charges set at whatever the doctors choose to charge.  Medical education reform could also encourage more bright people to become practitioners by focusing on the training of medical acumen and discarding requirements that add years of non-medical education efforts.  States should be allowed to bargain for pharmaceuticals and equipment.

Transportation:

The pod system identified in Poyhonen’s Blog, (https://poyhonen.wordpress.com/), could substantially reduce the traffic in cities.  Light rail, busses, taxis, and private vehicles would become superfluous as the pod system is extended into all neighborhoods.  Such a system would also support safe transport in high crime areas.  Car manufacturers may not like this concept.

Jobs:

Everything we do more efficiently lowers the number of available jobs and we have been growing more efficient for decades.  A 32 hour work week might be worth investigating in a more aggressive and experimental manner.  In 24 hour operations this would add an extra shift to many operations but more jobs will also incur more expenses for employers.  Lowering taxes and decreasing Federal, State, and local bureaucracy can help offset the increasing costs of adding employees.   Lower energy costs will also help.  Working from home, where possible, can save a lot of money to both employee and employer.

Two important changes need to be addressed in order to improve a worker’s compensation and performance.

The Business Ladder Model:

In order to progress, one must be promoted.  Becoming management is often the goal of workers as that is the only step up the ladder that is available for an enhancement of compensation.  Great workers deserve being promoted and rewarded but they are often poor managers and everyone suffers from the current business ladder model.  Managers, whose efforts are often worth less than any employee, are considered above ‘workers’ and receive higher wages because of status, not merit.  This is a business model most managers will aggressively defend as it affects their personal wages and job security.  I was told of a paraphrased quote from Jack Welch to GE employees in a division he was about to sell, “My obligation to employees ends on Friday.”  What if workers thought the same way?  That CEO might not be making a hundred times the wage of employees if everyone quit on Friday in order to work for a company that valued the efforts of the people who actually did the work.

Perhaps employers should hire independent contractors to serve under ‘real’ managers whose job is to manage an effort, making an appropriate wage quite similar to the ‘workers’ hired, and based upon performance.  A good leader will attract productive workers and the success of the team should be awarded appropriately.

Independent contractors pay their own taxes, FICA, and insurance.  They can offer their services for any marketable compensation – (Just like the Doctors in my medical reform suggestion). This suggestion, on the surface, appears like it would cause a lot of turmoil in the business of making proposals for large projects but it really only involves a change of thinking in terms of value for services rendered.  ‘Only’ is a big word here, as management people enjoy their high status and look down on such realities.

Education:

Many schools have become indoctrination centers for progressive ideals, teaching a false narrative of history, inculcating hate and victimhood, and establishing the concept that credentials are more important than actual skill.  In an era where excellent classes can be freely found on the internet, people pay huge sums of money to acquire credentials that offer status.  Management compounds the problem by seeking out those with credentials because they have no real way of establishing the value of a person’s skill set.  There is also an attitude that demands potential employees to attend the same rituals as the hiring class.

Any serious student could graduate a typical High School by the age of fifteen.   Companies should be allowed to hire and teach young employees, giving them accredited skill points in education for demonstrated performance.  Instead of paying schools to learn dubious credentials, students could be paid by employers to acquire actual skills.  Schools could ‘learn’ to augment technical skills by providing classes that improve the character, competence, and the scientific acuity of students. Students seeking further competence would pay for such classes.

Politics:

American politics are so rife with corruption, dishonesty, and self-serving seekers of power that it may be impossible to root out the political cancer that has infected the accepted leadership of this country.  Much rot can be attributed to the success of our schools education programs of misinformation.  In an age of information, the levels of misinformation abound in every aspect of life from the grocery store to the laws that govern our personal freedoms, (which are voluntarily disappearing).  Character and integrity will return, someday, but until it does, citizens need to pay more attention to the moral fiber of their representatives.  They also need to read the laws being sold by lobbyists who ‘buy’ politicians with donations and free advertising.   It seems that, within this current cycle of politics, fully half of our voting citizens have no idea of what is true or false.  This huge chasm of division has been established by a lack of interest and a belief in the false narratives promulgated by all sides of most arguments.  Our education system has, some might say deliberately, left the citizenry woefully unprepared to ascertain the truth amidst all the politicized misinformation disseminated by media and taught by professors.

Discipline:

People have been encouraged to accept being angry victims, blaming external influences of one form or another.  Disruptive recalcitrant grows in the public domain where self-discipline is not instilled or externally and vigorously encouraged.  Overburdened prisons offer a testament to our growing lack of self-discipline.  Disintegrating family structures and moral values make it difficult to safely grow up in an undisciplined environment populated by self-perpetuating victims.  The application of external discipline will be viewed as dictatorial and fascist but many local governments refuse to provide or support the force necessary to safeguard citizens who live in constant fear.  Job opportunities would help but who wants to open a business in an unsafe environment?

Laws:

We have too many laws.  Most are unreadable by common folk, not understood by the inept politicians tasked to write them, and dismal in the effects they have on the population.  Justice is often determined by the amount one can pay for the proper technical support of expensive lawyers.  Justice for the rich differs than justice for poor folk encouraged to plea to offenses they have not committed.  Law documentation needs to be shortened by 85% and rewritten in English.  Lawyers will say that is impossible and, given the rule of precedent, they may be correct because the regulations are written to cover every desired aspect, leaving no wiggle room for another attorney to argue the wording.

What is ‘the good’ needs to be addressed in our courts.  Judges should also be versed in justice, not only words, and make rulings based on intent and right.  Supreme Court Justices should be impeached and replaced with people concerned with righteousness and our constitution, not ideologue concepts that divide our countries justice along political viewpoints.  Precedent has been argued for a long time by good lawyers who feel the concept brings predictable results.  They, of course, admire the lawyers who establish an unpredicted new precedent.  Precedent allows someone to be arrested for filling in a backyard pothole or selling milk to neighbors.  Is that good?

Money:

The banks are too big and should always be allowed to fail, (as should any company in our society).  Some version of the Glass-Steagall act needs to be reinstated.  Shadow banks should also be curtailed.  Trade is important but trading with countries that manipulate their money’s value is a form of ‘cheating’ in a trade agreement.  We should stop rewarding such activity.  We need to pay off the trillions of debt acquired by corrupt politicians.  Current politicians, of both parties, seem to have no will to curtail spending, much less pay off debt.

Regulations and Regulators:

Thousands of unelected people write regulations that affect our existence in every manner from construction to driving a vehicle and include almost every aspect of your daily existence. Not following regulations can result in confinement, and chances are, you are breaking some regulation as you read this. How do you know? Have you read them all? Over 280,000 full time government workers are busy writing regulations for you to follow. You didn’t elect them but they cost over 50 billion dollars a year and their activities have resulted in almost 170,000 pages of regulations to date, and it is growing every day. (Politico, A push for ‘Smart Regulations” by Senators Portman and Pryor, Jan, 2012).

Those pages comprise only the Federal regulations. State, county, city, and local regulations add to the control of almost every aspect of life. If you find a regulation you don’t like, you must fight the government at your own expense while you also pay for the government lawyers to fight against you and your complaint. Government lawyers can lie, cheat, and denigrate your stance with impunity. Government regulators are supported by the people you elect and not all regulations are evil but they often become laws where you have no control and your representation is incredibly limited or non-existent.

Greed, Corruption, and the American Public:

Many corporations excel at making profits while stifling the wages of employees. Greed will always exist but such entities should be described in loud and honest proclamations so people and financial entities could be encouraged to avoid buying stock in such organizations. Plummeting stock values may send a message instructing a change of venue.

Golden parachutes, for example, offer CEOs more income when being fired than a good worker will make in a lifetime. Unemployment benefits can hardly match the rewards given to discarded executives of privilege.

Voters don’t seem to mind endorsing lying politicians who perform harmful acts that would put any ‘commoner’ in a prison. The media often supports their lies and misconduct, or actively covers them up. Politicians are fully aware of the gullibility, lack of interest, and educational brainwashing and indoctrination of voters, that allow political corruption to become rampant. Whole books are written on this subject.

Back in the 1700s Massachusetts delegate Elbridge Gerry, a signer of our constitution, commented on our electoral system, “The people are uninformed, and would be misled by a few designing men.” (Gerrymandering is named after him). Virginia delegate George Mason, of the same period, also noted, “The extent of the country renders it impossible, that the people can have the requisite capacity to judge of the respective pretensions of the candidates.” They made these comments because in the eighteenth century many people were uneducated and illiterate. Today, being literate is no indication that someone reads and, for the common populace, not much seems to have changed beyond proving Elbridge Gerry’s comment.

In an environment devoid of corruption, common sense can solve many problems. Victims, however, rarely spew common sense. People suffering from Relitls, (read little/think less syndrome), grab emotional solutions with little thought of consequence.

An honest dialogue needs to be performed by the leadership of our nation. For all the faults of our system as it is currently operating, few lawyers, judges, and even some politicians do not support dishonest acts. Most voters want honest justice and would never incarcerate someone for filling in a pothole or selling milk but most voters are also unaware of the misconduct being performed by our regulators, courts, business system, and educational institutions, (who now hire terrorists).

The cost of our government is a burden that needs to be relieved. We can diminish or delete some institutions but we could also freeze hiring and allow attrition to reduce the number of government employees. The way we look at law focuses on words, not righteous good.

Many laws, hiding as regulations, can also be discarded. Regulators don’t go to work in the morning thinking about restricting the freedom of Americans – they do a job and we could put them to work, removing foolish restrictions and rewriting laws in terms that are easily understood by the people who pay their salaries, (us).

We need to get involved with our country’s legislation and operation. We are the solution.

Written by poyhonen

November 12, 2015 at 6:48 pm

Affordable Health Buffet

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Affordable health care is a confusing description that disguises a menu of government mandated insurance schemes.
Would you expect your car to be efficiently repaired by a restaurant because some mechanics may eat there? Sure, you get to pick the menu, but you pay for everything on it whether you eat or not. Mechanics are offered a buffet of gruel made from the cheapest produce and their care creates profit for the restaurant, who is the primary beneficiary of this flawed concept.
While it may be too optimistic to expect better service when you drop off your car at a government sponsored restaurant, we can all be assured the advertising will continue – Over 8 Million Served.

Medical Insurance

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Who pays for it? Everyone. It is a federal deduction that has no maximum limit although it is higher for those making over 200k per annum. Medicare and Medicaid are both insurance schemes that can be easily confused since both are considered entitlements. Medicaid is concerned with people having very low incomes while Medicare is offered for those over 65 years of age and can be identified by the tax automatically removed in each of your paychecks.
France and Italy rank first and second for medical care in the world. The World Health Organization Ranks the USA as 38th, although we are number one in per capita expenditures. Expenditures for France rank 4th and Italy ranks 11th in cost per person.
The key factor for universal health coverage is that everyone must contribute in order to have a viable national health care system. In America, everyone who works and pays taxes, contributes into our health care system as well as the social security retirement system. It should be observed that almost everyone seems to enjoy the socialist aspects of our country’s current health and retirement entitlements.
Historic Medicare costs or payouts, if you want to look at it that way, are much lower than private health insurance costs by over 25%. The federal VA also has a much better record at buying pharmaceuticals at lower prices. Overall, the Medicare system offers health services for less money than private insurers. There are quite a few reasons for higher health care costs in the private market but this demonstrates a rare occurrence where Government Management actually performs better, (cost wise), than the private purveyors. Since government run programs tend to be excessive in cost – there should be some room for improvement in both areas.
Admittedly, Obamacare was not the right answer to lower costs but the goal was desirable, albeit ineptly designed, administered, and executed under false pretenses. Perhaps, the strict adherence to a form of insurance concept may be part of the problem. Why sell insurance when we could simply pay for services and allow co-pays to be determined by the medical practitioners? By doing so, we could employ both socialistic and capitalistic models. Insurance can step back and offer co-pay insurance instead of examining and quantifying the cost and efficacy of each medical procedure by maintaining a database – (like entry W22.02XA – walking into a lamppost).
National health services can be achieved at a much lower cost than what we currently pay for individual medical insurance. I would recommend States or groups of States review experimental concepts that can be researched, analyzed, and implemented, using plain language regulations that anyone can understand. Paying for services instead of insurance, while including reforms in tort litigation, medical education credentials, and large volume purchasing of pharmaceuticals and equipment will significantly lower the costs of medical service.

Written by poyhonen

December 9, 2014 at 11:18 pm

A Cure for the Pollution of our Planet

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For thousands of years, humans have been making bread, raising livestock, and using fire to cook food.  Suddenly, our culture has raised issues that tell us wheat is not good for consumption and killing livestock for meat is cruel and inhumane.  Even the fire used to cook food is under attack as global warming advocates tell us that carbon dioxide is killing the planet.

There was a thought that raising animals for dairy and eggs might be acceptable but the farm animals often consume GMO grains and are immunized with drugs that are transferred to the food, by which we poison ourselves through inordinate consumption.  Grass fed bovines may be a healthier choice but they also contribute massive amounts of greenhouse gasses that overheat the earth.

Our culture has determined that our food production and consumption is not only destructive to ourselves but our gluttonous habits also damage the entire planet.

Obviously, the best thing for our world would be to reduce its human occupation.  It stands to reason that homosexuality should be commended as the first step towards diminishing world population.

Another praiseworthy endeavor might be the initiation of a program using a Soylent Green methodology of food production that utilizes the remains of any recalcitrant, who, prior to imprisonment, had to consume numerous resources while contributing to global warming.  Why waste the largess of, what I assume, would become the first  PETA approved meat harvest?  Planting bodies in cemeteries or, even worse, cremating good food using energy that adds to global warming is just plain wasteful.  We can trust our government to ensure that care would be taken by hungry jurors to ensure minor infractions, like jaywalking or returning imprecise change, do not incur a death penalty lest the population be so reduced we would be unable to extinguish naturally occurring forest fires and other potentially polluting disasters.

A bright and shining beacon of hope and change can be identified by the seemingly  unconscious tide of planet empathy that supports the plethora of zombie fiction that currently dominates our entertainment.  Zombies are a twofer.  They stop using fire and they eat humans.  What could be better for the advocates of a kinder, more progressive population?  The development of a viral strain that produces zombie like behavior would definitely be a proactive enterprise worthy of a Nobel Peace Prize.