Posts tagged ‘Health Care Costs’

11/04/2012

Undecided Voters: Social Issues

The better choice on each issue is in the left column, indicated by a (D) for Democrat, (R) for Republican, or (N) for neither.

(D) VOTING RIGHTS AND ELECTIONS: Which party is more likely to promote a constitution amendment to remove money from campaigns, or appoint Supreme Court justices willing to interpret large contributions as bribery? Romney goes in the wrong direction as he suggests getting rid of campaign finance laws. (1-16-12). Who is more likely to promote and protect the right to vote by removing unnecessary obstacles, and yet preserve the integrity of the system? Democrats clearly win this one.

(D) MEDICARE: Although the nation must get Medicare spending under control, Romney has no solution, for he would block grant it to the states, which would effectively kill it. (10-18-11) (11-12-11) (2-22-12). Not changing things for current retirees is just a way of screwing those who’ll retire later (1-8-12) Romney wants a premium voucher program, which inevitably will not cover increases in insurance company premiums (1-16-12).

(D) MEDICAID: Romney would also effectively end Medicaid by sending it to the states. (1-16-12). As he put it, he would get the government out of Medicaid. (1-19-12). The problem is a large segment of the population will prematurely die off.

(D) HEALTH CARE COSTS: Health care needs tough federal regulation to control doctor and hospital costs, as well as drug prices, but neither party openly proposes a solution. Since regulation is the only answer, and the modern Republican Party never advocates price controls, Romney cannot be the solution.

(D) OBAMACARE: Romney was wrong when he thought Obamacare would be declared unconstitutional. (12-10-11). He repeatedly promised to repeal it. (10-11-11) (10-18-11) (1-7-12) (1-16-12) (1-19-12) (2-22-12). He posed a good question when he asked what we would be replaced with. (10-11-11). He alleged Obamacare raises taxes 500 billion, cuts Medicare 500 billion, and is a government takeover. (10-11-11). He thinks eliminating it would save 95 billion annually (11-12-11) (1-7-12). Romney would give states health care waivers (9-22-11), which effectively would repeal it. Since the current health care system is dysfunctional, the greatest problem with the Republican position is their failure to suggest a rational intelligent alternative.

(D) INDIVIDUAL MANDATE: Romney argued people need to purchase health insurance to show their personal responsibility. (8-11-11) (11-9-11). He said uninsured persons are going to emergency rooms and taxpayers end up picking up the tab. (9-7-11). Romney insulted those who cannot afford health insurance by calling them “free riders.” (1-26-12). He later contradicted himself saying he opposed the individual mandate (1-23-12). The problem is even with a government voucher program, health care providers and health insurance companies will continue raising costs and premiums, and most will be priced out of coverage. Deductibles and co-pays will continue to rise. Prices need to be controlled and regulated. Since Republicans will never regulate, the vote has got to go to the Democrats.

(D) PRESCRIPTION DRUGS: Romney said he would not repeal the unfunded Prescription Drug Program started by Little Bush (9-12-11). The problem is we need drug price regulation, but the Republicans will never do it. Our only hope is with Democrats.

(D) SOCIAL SECURITY RETIREMENT: Social Security retirement should never be confused with Medicare, or other social welfare programs. The retirement plan, created in 1935, is the most successful and efficient program ever created by the federal government. It needs nothing, except to be left alone. While Romney called it an “essential program” (9-12-11), Republicans from Reagan to Little Bush have advocated phasing it out. So, even though Romney said we should save the retirement plan (9-7-11), he would be pressured by House Republicans to push a right-wing agenda, which is to privatize it. Although Romney said it would not change for current retirees (1-8-12), he would add a year or two to the retirement age (1-16-12).

(D) WELFARE: Romney would turn poverty programs back to the states (1-8-12), which would kill them. He thinks Obama is creating a welfare state (1-19-12), and the U.S. has become an entitlement society. (1-16-12). Romney would block grant Food Stamps (2-22-12), which would cripple the needs of the hungry.

(D) EDUCATION: Romney apparently thinks there is something wrong with teacher unions, as he said he would stand up them. (9-22-11) While he would test children in math and English (2-22-12), which is fine, too many Republicans push the idea of privatizing schools, a long range threat to our culture.

(D) EDUCATIONAL TV/PUBLIC BROADCASTING (PBS): In an shocking campaign promise, Romney said he would eliminate Public Broadcasting (11-12-11). At a time when more, not less, non-fictional programming on science is needed, why cut PBS? Personally, it’s the only benefit I ever received from the federal government. I can’t believe any candidate would eliminate it.

(D) ENVIRONMENTAL PROTECTION: In Presidential elections, we don’t just elect a man; we choose a party to manage the agencies of government. If Romney wins, House Republicans will name the head of the Environmental Protection Agency (EPA). Extremists like Republican Michelle Bachmann, who advocated abolishing it, will have influence. If Romney wins, we will have a weak EPA. We should prefer over-regulation, than the other way around. Although Romney said we can’t let pollution flow from one state to another (1-8-12), which implies a need for federal law, modern Republicans cannot be trusted to regulate.

(D) FEDERAL EMERGENCY MANAGEMENT AGENCY (FEMA) The storm that just hit the East Coast is a good reminder of how bad it would be if FEMA had been abolished, or privatized. We need to remember we all sink or swim together.

(D) SUPREME COURT: It is likely the next President will appoint one or more Justices. A Romney win would tip the court to the hard right. The Court currently has four right-wing Justices: Scalia, Thomas, Alito and Roberts (on most issues). Reagan’s appointee Kennedy completes the usual conservative majority, which has existed since 1972.

(D) ABORTION: The secular right to “liberty” found in the 5th and 14th Amendments allows women to have an abortion in the earlier stages of pregnancy, when the fetus is incapable of living outside the womb. As a practical matter, attempts to outlaw abortion have been a waste of time. Even if the anti-abortion crowd had another Justice, who would ignore precedent, and reverse Roe v Wade, subsequent attempts to convict women and doctors would fail. Prosecutors will never get 12 jurors to convict women or doctors, and there would be hung jury after hung jury. We live in a free country which has no official religious creed. People disagree as to whether life begins at birth, or some other point before the fetus can live outside the womb. Romney, a missionary for the very conservative Mormon Church, will almost certainly appoint right-wing Justices. He changed his position on abortion. Most recently, he said he is pro-life (12-15-11) (1-19-12). He said Roe v Wade was wrong, it should be overturned, and the issue should be left to the states. (1-7-12). His stand would only give religious fanatics the power to impose their religious views on a secular society, filled with many who want to be free.

(D) CONTRACEPTIVES: Romney did not think any state wanted to ban contraceptives (1-7-12), but he is part of a right-wing Republican Party willing to turn back the hands of time.

(D) GAYS: Romney, whose Mormon grandfather fled the U.S. and moved to Mexico, because he believed strongly in the right to have more than one wife, ironically wants to amend the Constitution to limit marriages to one man and one women. Why the Republicans want to control the life of gays, who are genetically predisposed, is a mystery. We live in free country. It’s time to leave gays alone. Although Romney opposes same-sex marriage (12-15-11) (1-8-12) (1-16-12), and would amend the constitution to stop gay marriage (1-7-12) (1-8-12), the Democrats have the better position, as they believe in personal freedom.

(D) GUNS: Neither party is doing much to control hand guns in cities. Romney signed an assault weapons ban when he was Gov. in Massachusetts, but now he says he is pro-gun (12-15-11). The Republicans offer little hope to control firearm violence.

(D) RELIGION: Romney served overseas in France as a missionary for the Mormon Church. (12-10-11). He said he would seek guidance and providence in making critical decisions (1-26-12). He thinks Obama is somehow attacking religious freedom. (2-22-12). I have no idea what Romney is talking about.

06/02/2012

Health Care in U.S.: Hostile to Consumers

Would you buy a car, and drive it off the lot, not knowing its cost, just hoping for the best when the bill arrived in the mail? I didn’t think so. But that is exactly what the U.S. medical community seriously expects you to do when consuming health care.

American medicine operates within a totally dysfunctional economic system. Patient accounts do everything possible to avoid price quotes. If consumers are patient enough to wait on line to speak to an actual human being, many of whom are impatient, condescending, or just downright rude, they will at best hear only vague meaningless “estimates.”

If a written letter is issued, and it actually states an “estimated” price for a procedure, the following paragraph will qualify the cost, and make it totally meaningless, through additional language that states: “this does not include any potential facility fees, anesthesia fees, lab or pathology fees, or supply charges.”

Don’t they realize “estimates” followed immediately by language that allows billing for of a whole host of additional expenses, renders them absolutely worthless? How is the consumer to know even a ballpark cost? What is the reasonable consumer to think?

But let’s not accuse the relatively well-off medical community for creating this terrible American system we have. Let’s keep the blame where it belongs, on the consumer, for they are the ones who deserve ridicule. How dare they even seek price quotes in the first place? Just who are these peons with the audacity to request information on costs? Don’t they realize they’re addressing the medical community? Don’t they know those in medicine simply don’t dirty their precious hands with costs, that is, until it is time to collect, and the wretched consumers are fully expected to pay every nickel, under a one-way highway billing system.

Personally, I was priced out of the private health insurance market long ago. No, I am ok. I can walk, talk, and get around just fine, but my parents had diabetes and heart disease, so on the assumption I would also succumb, my premiums started galloping upward with each payment, until the private carriers finally got what they wanted, and pushed me away without insurance. So, now I pay cash for health care, and must shop around.

Although the online price for a cataract procedure was an average of $3,300 and up, when I tried to nail something down this week, I was unable to do so. The Dean Clinic gave me an “estimate” of $5,686 with all the qualifying language mentioned earlier in this article, which amounted to no price quote at all. Anderson and Shapiro started at $2,999, “with no hidden costs,” but then after I was switched to the next operator, I was told I needed a physical and EKG, since I was over 55, even though I was symptom free. The “estimated” cost online for the unnecessary EKG was around $2,000. So, I was left with truly no idea what the cost of a relatively simply out-patient 10-minute cataract procedure would be, except that it would be starting somewhere above $5,000.

I don’t mean to single out just two clinics, as almost all of them have created problems over the years. When I set up an eye exam at the University of Wisconsin Eye Clinic earlier this year, I was quoted $246, but when the bill arrived, it was $358, which was $112 more than the quote. I just laughed, because I knew they would not honor their own quote. Since their ophthalmologist “estimated” cataract surgery at around $6,500, I definitely didn’t return there, due to their history of billing more than their quotes.

There is no reason the government could not simply order health care providers to post their prices for each procedure, somewhat like those visible at gas pumps. Yes, each patient is unique. We all know that. But while treatment may differ slightly from one to the other, there is no reason we could not mandate a public disclosure of all-inclusive singular prices, so consumers could be informed, and could begin shopping in a competitive market. For the uninsured, the current pricing system is totally dysfunctional.