First, let me give you a little background on what is to follow. My late wife had MS for 8 years so I understand what an incurable, degenerative disease can do on all levels. Being a conservative, free market capitalist, I don't want the government involved in any part of my life that it doesn't absolutely need to be. During my wife's illness we had become very involved with the National MS Society. After an e-newsletter urging people to contact their senators during the recess, I contacted the chapter with my concerns and, being a top 50 fundraiser, planning committee member, etc., I was even contacted by a rep from the national office with the same unsupported arguments. The following was my reply to him with links and references. BTW, my association with the MS Society ends August 30th after I complete my commitments to the Bike MS event.
"David,
I appreciate your response to my concerns; however, after reviewing your goals for healthcare reform I find it even more puzzling that the Society can support this (largely unwanted) legislation. While I agree there is room for improvement in our present system, it remains the best health care system in the world.
Before I go into that, let me outline a positive plan for fixing health care.
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Tort reform. The reality of frivolous lawsuits and excessive awards is twofold. The sheer cost of malpractice insurance is staggering. One reference I read stated the average OB/GYN delivers 100 babies annually and (in Florida) pays $200,000 in malpractice premiums, adding $2000 to the cost of delivering each child! Secondly, fear of frivolous lawsuits causes doctors to practice “defensive medicine”. In defensive medicine, extra tests, x-rays, MRIs, etc. are ordered, not to improve patient care, but to shield the doctor in the case of a malpractice suit. This has been estimated to cost between $100 and $178 BILLION annually. (Source: http://www.aaos.org/news/aaosnow/nov08/managing7.asp)
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Require a co-pay on all services under current Medicaid, Medicare and other “entitlement” programs. This action would prevent people from using the ER as a primary care physician.
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Establish programs to encourage and reward healthy choices. Safeway has been doing this and in a recent radio interview Safeway’s president revealed their medical costs have been reduced by 40%!
I have said before that the system isn’t that badly broken. A neighbor of mine has just had his second open heart surgery. The first was 17 years ago and cost $50,000. The second cost $125,000. Using the rule of 72 and our average inflation rate of 4%, we find that average cost would double every 18 years. Add in the costs of malpractice (almost unheard of 17 years ago) and newer technologies and I feel that the cost of care is very much in line.
Now to your concerns…
“Pre-existing conditions will no longer be considered for insurance coverage; no one can be denied coverage for any factor and every legal citizen will have access”
I have been a licensed life and health insurance agent in the state of Ohio and this has, as far back as I can remember, always been the case, at least in Ohio. You can move from policy to policy and can not be turned down for coverage, although you may have to offer proof of previous coverage. This means you cannot wait until you are sick to purchase insurance. This is an item that should be handled by individual states, not the federal government.
You state that you want coverage for every LEGAL citizen. If they are illegal, they are not citizens. Second, the house bill DOES cover illegals.
“According to the Federation for American Immigration Reform (FAIR), in 2004 California's estimated cost of unreimbursed medical care was $1.4 billion. Texas estimated its cost at $850 million annually, and Arizona at $400 million.
Non-border states shoulder heavy burdens as well. Virginia's annual cost of providing health care for undocumented workers is approximately $100 million per year, FAIR reports, while Florida's health care cost is about $300 million annually.
One of the ironies of the proposed legislation is that it would fine American citizens who opt not to purchase insurance coverage, but would exempt illegals from such fines.”
http://www.newsmax.com/newsfront/obama_illegals_healthcare/2009/07/19/237484.html
“Providing help for small businesses with tax credits to help purchase insurance for their employees.”
The house version of the bill actually provides a method of fining employers with payrolls as small as $250,000 if they don’t offer the “public option” regardless of what other programs they do offer.
Also there is a provision that forces people onto the public option if they were to change jobs or some other event that would have them enrolling into an otherwise qualified plan. From the House bill (HR 3200):
“SEC. 102. PROTECTING THE CHOICE TO KEEP CURRENT COVERAGE.
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(a) Grandfathered Health Insurance Coverage Defined- Subject to the succeeding provisions of this section, for purposes of establishing acceptable coverage under this division, the term ‘grandfathered health insurance coverage’ means individual health insurance coverage that is offered and in force and effect before the first day of Y1 if the following conditions are met:
(1) LIMITATION ON NEW ENROLLMENT-
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(A) IN GENERAL- Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day of Y1.”
The main reason why I am puzzled by your acceptance of this bill is in your principles…
“Principle 5
Comprehensive, quality health care should be available for all individuals, and this is especially important for people with chronic diseases. Continuity of care and timely access to appropriate medical providers help individuals with chronic diseases such as MS achieve and maintain optimal health and wellness.
Models of care coordination (such as medical home, disease management and centers of excellence) that promote continuity of care and multi-disciplinary approaches to chronic care management improve care and reduce complications. Continuity of care is a key component to providing quality health care across the spectrum of complex conditions.”
Any plan like this is economically unsustainable to begin with, as evidenced by the states and other countries that have tried it. The only way to prolong the “experiment” is to ration care. The government will decide how healthcare is to be distributed. Would you like to be in front of the government review panel with a disease that is incurable, progressive AND very expensive to treat?
Governor Palin: “Democratic health care proposals would lead to rationed care; that the sick, the elderly, and the disabled would suffer the most under such rationing; and that under such a system these “unproductive” members of society could face the prospect of government bureaucrats determining whether they deserve health care.”
Sources: http://www.facebook.com/note.php?note_id=116471698434&ref=nf
http://spectator.org/blog/2009/08/13/palin-is-not-wrong
As I said before, the system needs some tweaking, but for the Society to urge passage of such reckless legislation as this is very, very wrong. You mention the senate bill several times, yet as far as I know (as of this past Tuesday), none of the FOUR committees have finished drafting their individual proposals. It’s a shame that congress, with the presidents urging, are trying to draft and pass a hugely complex bill in less time than it took the president to pick out a new dog.
Let’s face another fact. If you read the Constitution, nowhere is this authority over health care given to the federal government. They have already overstepped their authority in many areas of our lives.
If the house bill were to pass as law, I know at a minimum my doctor would leave medicine with absolutely disastrous consequences for the diabetic community in Cincinnati.
Finally, if this health plan is so wonderful, why aren’t our elected officials clamoring to be covered by it?
Allen S"