http://www.kaiserhealthnews.org/Cartoons/A-christmas-carol.aspx
Here Come the Apologists
Yes, This Health Care Bill Really is Worse Than Nothing
By HELEN REDMOND
Counterpunch, December 8, 2009
If you join a fight for social justice you many win or lose, but just by being part of the struggle, you win, and your life will be better for it.
–Howard Zinn
Already defenders and apologists for the Democrat’s health care legislation are busy at work. In the next few weeks they will be working overtime to persuade, cajole, shame and ruthlessly attack if necessary, anyone opposing health care legislation. They’ll reserve special hysteria, invective and contempt for those of us who continue to support a single-payer, national health care system. And because it is the holiday season, we will be called heartless health care Grinches and silly, single payer, Bernie Sanders Scrooges. There will be accusations: “If you don’t support health care reform legislation, you support the status quo.” Implicit in the indictment is single-payer advocates, with their pie-in-the-sky idea that health care is a human right for all, will be responsible for the continued impoverishment and immiseration of the American people if a bill doesn’t pass.
Joshua Holland, an editor and senior writer for AlterNet and Uwe E. Reinhardt, an economics professor at Princeton, have begun the onslaught.
In a piece posted on AlterNet November, 24th titled, “Is the House’s Health Bill Really Worse than Nothing?” Holland attacks Dr. Marcia Angell, author, former editor of the New England Journal of Medicine and a leader of Physicians for a National Health Program (PNHP.) Dr. Angell opposes the House bill and believes it’s “worse than nothing.” For that she earns the disdain of Joshua who just can’t accept there isn’t something in the bill worth supporting, even though he agrees with her trenchant criticism of the bill’s gaping defects. He claims she ignores the “primary thrust of the legislation” which for Holland is “the fact that the House legislation would do quite a bit for millions of real Americans struggling through a very real health care crisis.” “Real” Americans, a “real” health care crisis? The insinuation is Angell, and by affiliation PNHP, isn’t operating in the real world of real suffering if they don’t support whatever bill Congress delivers to the Oval Office for a signature. That’s interesting. An organization of 16,000 doctors that conducts research on major aspects of the health care crisis and have been on the frontlines for real reform for decades doesn’t understand what’s real?
Holland argues Angell negates her original thesis when she writes, “The bill has a few good provisions (expansion of Medicaid, for example) but they are marginal.” It doesn’t. Her central contention is even with an expansion of Medicaid and a few other “good” provisions, the bill is a bomb because on balance, it entrenches the power and profits of the private insurance industry – the source of the health care crisis.
This isn’t the first time an expansion of Medicaid has been offered as a partial panacea for the health care crisis. And it has to be said: It isn’t necessary to create a huge, complex and expensive piece of national legislation in order to expand the Medicaid Program. Any state can decide at any time to change eligibility rules and insure more residents (Massachusetts did in 2006.) But the overall trend has been the opposite.
According to a study published in the Annals of Family Medicine, “Medicaid programs in all 50 states implemented cost-savings strategies, including benefit reductions, cost sharing and tightened administrative rules during the recent economic downturn.” Medicaid operates within the dysfunctional, multi-payer health care system and has suffered from an expand-contract cycle since its inception. It’s a favorite target for blame-the-victim politicians who want to get poor people off welfare (and health care) and into the workforce with no health care. Under the Clinton Administration’s “welfare reform,” hundreds-of-thousands of mostly women and children lost Medicaid coverage. The Medicaid program is not an entitlement or a right. An onerous redetermination is done every year in most states. And in fact, losing Medicaid coverage for a variety of reasons is the norm.
It’s true – the expansion of Medicaid would help millions of low-income Americans, but for how long? Expansion of Medicaid is a short-term, incremental fix, not a permanent one. And that should be the goal of legislation – a permanent fix to the health care crisis so there is no longer a health care crisis.
Holland thinks the subsidies are “rather generous.” It’s curious he isn’t asking these questions: If the government were truly reforming health care, why would millions of people need subsidies? Shouldn’t the cost of coverage come down so much its affordable without government assistance?
Here’s the conundrum – if you support subsidies to help people buy insurance and the expansion of Medicaid, you are forced to support the transfer of billions of taxpayer dollars into the coffers of the investor-owned insurance industry and a mandate that criminalizes and punishes people. You also have to accept the Stupak Amendment and the denial of health care to millions of undocumented workers.
There are more poison pills to swallow. Holland thinks it’s fine insurance will still be linked to employment – tell that to the millions who are unemployed and being laid off by the thousands every day. In the House bill, if employers offer insurance, they must pay at least 72.5 percent of the premium for individuals and 65 percent for families. That’s too low and gives companies who pay a higher percentage an incentive to shift costs onto employees until they hit the government-mandated limit. Workers will then be dumped into the insurance exchange because it will be cheaper for employers and once there, because of the mandate, forced to buy stripped down plans with no limits on premiums.
Currently, there are over twenty-five million people underinsured. The majority of people who declared medical bankruptcy started out with insurance. That is the wave of the future. The government will claim more people are insured and technically they will be, but are you really insured if you have a $5000 deductible, high co-pays and less than one-hundred percent coverage for hospitalizations, expensive medication and diagnostic tests?
And what about the much ballyhooed public option which was supposed to keep the rapacious insurers honest and give millions quality, inexpensive health care that Joshua argued for at the expense of advocating for single-payer which he is a supporter of? Eviscerated, not robust at all, and what Paul Krugman now calls “medium-strength.” It’s not even that. The “progressive” Democrats abandoned Holland and his ilk and voted in favor of the bill after they swore not to if it didn’t contain a robust public option with rates tied to Medicare. These are the same “regressive” Democrats that voted in favor of the Stupak Amendment. Holland argues if the final legislation contains Stupak it can’t be supported. But if “Progressive-Regressive” Democrats voted for it the first time, they will vote for it a second time because they don’t have the spines to stand up to President Obama, or for abortion rights.
Toward the end of his assault on Dr. Angell’s position, Holland writes, “…drawing the line at the House bill is privileging ideology over getting something done in the short-term, however imperfect it might be overall.” But that is precisely the problem. For decades short-term, imperfect reforms are offered that inexorably lead right back to the crisis. Then more short-term, imperfect reforms are offered and the cycle continues. Instead of attacking the p
rivileged ideology of for-profit, corporate controlled health care, Joshua attacks single-payer ideology and argues to abandon it in order to get something, anything done.
Single-payer supporters also reject his false choice of “trying to push for the best package possible or leaving a disastrous status quo in place…” The not so subtle message is if a bill doesn’t pass we will be responsible for the disastrous status quo that is the state of health care in this country. Sorry Joshua, but that responsibility will rest with the Obama Administration that at every turn placated the profit hungry, parasitic insurance and pharmaceutical industries.
And if a bill does pass this year, we can hurry up and wait 4 years because that’s when it will be enacted! So, disastrous status quo for 4 more years, then in 2013 implementation of a disastrous bill that will continue to leave 20 million uninsured. I can hardly wait.
Uwe E. Reinhardt dismisses and disrespects Dr. Don McCanne, another leader of PNHP, for arguing current health care legislation can’t be supported and instead the fight for a single-payer health care system must continue.
Reinhardt wrote in response to Dr. McCanne’s comments on the letter he and 22 other prominent economists sent to President Obama: “Don is a mensch, but a dreamer. Let’s face it, this very limited bill, should it pass into law, is the very best Americans can hope for. This country will never have a sensible, efficient health care system, and perhaps not even a totally humane one. For better or worse, we must get used to it.”
Reinhardt’s work is full of contradictions. He writes extensively on health care and understands that a government-run, single-payer system is the best way to control the cost of health care and insure everyone. Like in Taiwan. But Reinhardt is thoroughly pessimistic the political movement that is necessary to bring about that kind of system can be built and can win. So he tells us we have to get used to 45 thousand people dying every year for lack of health care. We have to get used to millions of families being bankrupted from medical bills. It’s the very best Americans can hope for and if you don’t hope for that you are a stupid dreamer. I couldn’t disagree with Dr. Reinhardt more. We cannot and will not get used to that barbarism.
Obviously Reinhardt hasn’t been paying attention to the movement for single-payer and what we have accomplished during this round in the health care debate.
Reinhardt needs to come down from his Ivy Tower and join the movement for single-payer. It’s really not so bad down here at the grassroots level, Uwe. There is PNHP with 16,000 members. The California Nurses Association (CNA) supports single-payer and has thousands of members, too. Sections of the labor movement support single-payer. There are grassroots, single-payer organizations in almost every state with committed members who got arrested in acts of civil disobedience at insurance company headquarters. And poll after poll consistently shows the majority of Americans want government-run, guaranteed and financed health care.
If Reinhardt came over strongly and unequivocally to the side of single-payer, he could help the movement take a giant step closer to winning a humane, efficient health care system. He could use his prodigious talents of number crunching and economic analysis to demonstrate the superiority of single-payer and to demoralize and defeat The Powers That Be who listen to his economic prognostications on health care reform. Reinhardt could be a founding member of an organization of economists for single-payer and name it Economists for Single-Payer Network (ESPN.) He could be a proud member of a social movement struggling to make health care a human right in the richest capitalist country in the world.
Helen Redmond, LCSW, is a medical social worker in Chicago. She can be reached at redmondmadrid@yahoo.com. She blogs at http://helenredmond.wordpress.com
U.S. nurses unions merge, back healthcare overhaul
Merger forms largest union of medical professionals
By Tim Gaynor
Reuters, Dec 7 2009
Three nurses unions merged on Monday to form the largest-ever labor organization for U.S. medical professionals, which is expected to wield greater clout in collective bargaining and the national healthcare debate.
Leaders of the new 150,000-member National Nurses United, comprising union locals from Maine to Hawaii, said their top priority would be to seek to organize the overwhelming majority of registered nurses who remain without union representation.
Of roughly 1.5 million nurses who provide direct patient care in U.S. hospitals and clinics, about 80 percent have no union contract, NNU officials said.
The merger, approved unanimously by delegates to the founding convention in Phoenix, unifies the California Nurses Association, with 83,000 members in California and several other states; the United American Nurses, with 45,000 members, mostly the Midwest, and the 22,000-member Massachusetts Nurses Association.
The move comes as President Barack Obama is battling to rally support for his top domestic priority, an overhaul of the U.S. healthcare system that extends coverage to millions of uninsured people and curtails spiraling costs.
He faces sharp divisions among lawmakers in the Democratic-controlled Congress over his proposal for a new government-run insurance plan, or public option, an approach fiercely opposed by Republicans and private health insurers.
NURSES SEEK STRONGER HEALTH OVERHAUL
Deborah Burger, president of the California nurses group, said the merger would likely lend powerful support for the more progressive aims of the overhaul, but she said Obama’s plan would not go far enough.
“What we’ve got now isn’t really healthcare reform, it’s a reshuffling of the deck chairs on the Titanic as far as our patients are concerned, and we’re going to make sure that we … have universal healthcare that is truly universal and has eliminated the insurance companies,” she told Reuters.
Aside from a bigger voice in the healthcare debate, the merger is expected to give nurses greater leverage in collective bargaining after decades of growth in national hospital chains that have largely resisted union organizing.
The labor movement sees an opportunity to bolster its ranks in the healthcare industry, a sector that has continued to create jobs during the recession and is expected to see 20 percent employment growth above 2006 levels by 2016, according to U.S. Labor Department statistics.
“This is where the jobs of the future lie,” said Chris Tilly, director of the Institute for Research on Labor and Employment at the University of California, Los Angeles.
“Baby boomers like me are aging and will soon need a lot of nurses, so this is an area where there’s going to be a lot of expansion. There’s going to be a lot of hard political decisions to make,” he said.
Plans to organize nonunion nurses go hand-in-hand with ongoing efforts to end mandatory overtime for nurses and other cost-cutting hospital practices that nursing advocates say have stretched patient care too thin.
The focus on patient care also figures in the union’s aim to seek passage of federal legislation setting national standards for nurse staffing levels.
Dian Palmer, president of the Nurse Alliance of the Service Employees International Union, which represents 85,000 nurses, hailed the merger of the three unions, saying it would help “ensure the delivery of safe, quality care for everyone in our country.” (Additional reporting by Steve Gorman in Los Angeles, editing by Chris Wilson)
$126,000 drug that only makes the desperate sick
Questioning a $30,000-a-Month Cancer Drug
By Andrew Pollack
The New York Times
December 4, 2009
A newly approved chemotherapy drug will cost about $30,000 a month, a sign that the prices of cancer medicines are continuing to rise despite growing concern about health care costs.
Critics, including many oncologists, say that patients and the health system cannot afford to pay huge prices for drugs that, on average, provide only a few extra months of life at best.
And Folotyn (made by Allos Therapeutics) has not even been shown to prolong lives — only to shrink tumors. The drug was approved by the Food and Drug Administration in late September as a treatment for peripheral T-cell lymphoma, a rare and usually aggressive blood cancer that strikes an estimated 5,600 Americans each year.
(James V. Caruso, the chief commercial officer for Allos) said the price of Folotyn was not out of line with that of other drugs for rare cancers. Patients, moreover, are likely to use the drug for only a couple of months because the tumor worsens so quickly, he said.
In a note to clients in October, Joshua Schimmer, an analyst at Leerink Swann, estimated that a typical treatment would last 3.5 months and cost $126,000, or about $36,000 a month.
http://www.nytimes.com/2009/12/05/health/05drug.html?_r=1&hpw
And…
Prescribing Information for Folotyn (pralatrexate injection)
Allos Therapeutics, Inc.
Issued: September 2009
Indications and Usage:
Folotyn is indicated for the treatment of patients with relapsed or refractory peripheral T-cell lymphoma (PTCL). This indication is based on overall response rate. Clinical benefit such as improvement in progression free survival or overall survival has not been demonstrated.
Adverse reactions (list includes only those events occurring in 10 percent or more of patients treated):
Mucositis
Thrombocytopenia
Nausea
Fatigue
Anemia
Constipation
Pyrexia
Edema
Cough
Epistaxis
Vomiting
Neutopenia
Diarrhea
Dyspnea
Anorexia
Hypokalemia
Rash
Pruritis
Pharyngolaryngeal pain
Liver function test abnormal
Abdominal pain
Pain in extremity
Back pain
Leukopenia
Night sweats
Asthenia
Tachycardia
Upper respiratory tract infection
Percent of patients experiencing any adverse event: 100 percent
Forty-four percent of patients (n = 49) experienced a serious adverse event while on study or within 30 days after their last dose of Folotyn.
http://www.folotyn.com/pdf/package-insert.pdf
And…
Patient Protection and Affordable Care Act (Amendment in Senate)
The Library of Congress, THOMAS
H.R.3590
Title VII – Improving access to innovative medical therapies
Sec. 7002, (a), (2), (k)
(7) Exclusivity for reference product
(A) Effective date of biosimilar application approval – Approval of an application under this subsection may not be made effective by the Secretary until the date that is 12 years after the date on which the reference product was first licensed under subsection (a).
Comment:
By Don McCanne, MD
Fotolyn is a new miracle drug brought to us by our highly revered pharmaceutical industry. This new drug has no demonstrated clinical benefit, though all patients have adverse reactions, almost half of them serious – including death.
In an astonishing moment of candor, James Caruso, chief commercial officer for Allos, provided reassurance that the very high monthly cost of Fotolyn would not be protracted since the tumor worsens so quickly.
What makes this drug a miracle only the investment community can understand. Desperate patients will spend an average of $126,000 for this worthless drug. On Wall Street that’s a miracle, but within the health policy community, that’s a tragedy.
You can be assured that, in crafting health care reform, Congress has responded to the very high prices of newer patented therapeutic agents, but in a perverse way. Recognizing the great potential of genetically-engineered biologics, Congress has included in the legislation an unprecedented 12 year exclusivity, protecting the firms from competition of biosimilar products.
Maybe the biotech firms will be able to parley this into seven-figure treatment programs for the desperately ill. The soak-the-sick policies may not work for patients, but they certainly work well for Wall Street. And doesn’t that seem to be where Congress’s loyalties lie these days?
250,000 FEHBP-eligible federal employees uninsured
How health care bills compare to lawmakers' plan
By Ricardo Alonso-Zaldivar
The Washington Post
December 6, 2009
You should get the same health insurance deal that members of Congress get. That was the gist of President Barack Obama’s message as he tried to drum up enthusiasm for his health care overhaul.
Government workers and members of Congress belong to the nation’s largest employer-sponsored health plan, covering 8 million employees, dependents and retirees.
“We estimate there are about 250,000 federal employees who are uninsured. They’re eligible, but they can’t afford the premiums,” said Jacqueline Simon, policy director for the American Federation of Government Employees.
http://www.washingtonpost.com/wp-dyn/content/article/2009/12/06/AR2009120601136.html
And…
New Government-Run Health Proposal Eyed
Democrats, in Search of Compromise, Explore Federal Employee Plan as a Model
By Greg Hitt And Janet Adamy
The Wall Street Journal
December 7, 2009
Democrats on both sides of the issue who were assigned by Sen. Reid to find a compromise were nearing agreement on an alternative that would empower the government’s Office of Personnel Management to run a new national health plan, congressional aides said. The office already oversees the federal employee health plan, and administration officials have pointed to it as an example of how the government can successfully run a health-insurance program.
Under the proposal, the office would negotiate terms of the plan with private insurers, and contract with nonprofit entities set up by the private sector to run the program, aides said.
http://online.wsj.com/article/SB126004745673278523.html
And…
Federal Employees Health Benefits Program (FEHBP)
American Federation of Government Employees
February 9, 2009
FEHBP has both structural and political flaws.
Those who must rely upon FEHBP for health insurance know its flaws well, and consider it anything but a model.
An estimated quarter of a million federal workers and their families are uninsured because FEHBP premiums are unaffordable to them on their modest federal salaries. The continued cost-shifting only increases the ranks of uninsured and underinsured Americans.
http://www.afge.org/index.cfm?page=2009ConferenceIssuePapers&Fuse=Content&ContentID=1742
Comment:
By Don McCanne, MD
Why shouldn’t we all have the same insurance that members of Congress have? They and all other federal employees are covered by the Federal Employees Health Benefits Program (FEHBP), an exchange of private health plans from which they can choose their coverage.
The FEHBP plans share many of the problems found in private health plans marketed to non-government employers. Simply the fact that a quarter million federal workers and their families remain uninsured, though eligible for FEHBP, demonstrates that it is a flawed program that should be rejected as a model for reform.
For those who say that subsidies would make the difference, these federal employees have already been offered subsidies in the form of the federal employer contribution to their premiums, yet they still can’t afford their share of the premium. Besides, because insurance is available through their employment, they would not be eligible for the subsidized exchange plans anyway.
So what is Congress doing? Because of the political impasse over a public plan to be offered as an option to private plans within the insurance exchange, senators are currently advocating for the compromise of a separate exchange of private plans modeled on FEHBP. This model allegedly would satisfy the moderates opposed to the public option because it would be limited to private, non-profit insurers, and allegedly would satisfy the progressives because they could claim that it’s like the government insurance that members of Congress have. Of course there’s nothing government about it.
What is more ridiculous is the structure of this phony public option. It would establish an exchange of private insurance plans within an exchange of private insurance plans with a market of private insurance plans outside of the exchanges. What insurer is going to compete against its successful plans on the open market by offering competing plans in the insurance exchange and then competing with its plans in the exchange by offering plans in the exchange within the exchange?
Besides, how many truly dominant insurers are there? They constitute an oligopoly. Just as they play by their own market rules now, they will continue to do so even if modified by guaranteed issue or whatever.
Ask those 250,000 uninsured federal workers who were promised the coverage that members of Congress have what they think about FEHBP. Then ask them if they would like to have Medicare paid for by equitable taxes they can afford rather than by premiums they can’t afford. Then ask them to march on Congress!
Will reform bill help my patients? I'm skeptical
Big money wasted on insurer subsidies
By ROB KIEFNER
Concord (N.H.) Monitor, Dec. 4, 2009
Amid chaos, misinformation and misunderstanding, the health care reform bill was nudged through the House of Representatives by the narrowest of margins. By not letting the facts get in the way of their blustering arguments, wacky lawmakers from both sides of the aisle offered lots of hype and heft, at times bench pressing the actual 2,100-page document to underscore the strength of their positions.
I thought, for a time, that outcome would be decided by virtue of which representative’s head exploded first in a display of feigned indignation about one aspect or another of the bill.
As a family physician, I rely upon my patients’ stories for insight into health care reform. Lost in the mind-numbing mumbo-jumbo from Capitol Hill are the stories of real patients who can’t afford insurance and small business owners who can’t offer it. The House legislation might make insurance available to my patient who is a struggling small business owner, but at an impossible cost. To add insult to injury, he’ll be fined if he doesn’t purchase insurance.
And for those patients who have “decent” insurance, there are always the struggles, which we share as their doctors, to obtain the diagnostic testing and therapeutic treatments to which they are entitled. By keeping the for-profit insurance companies happy, the legislation will continue to effect de facto rationing of health services by employing the hassle factor.
Good faith?
The costs associated with this bill are not at all clear. If projections are tied in to the “good faith” cuts promised by the pharmaceutical and insurance industries last summer, we are indeed in trouble.
We spend twice as much on health care, per capita, as any other industrialized nation. Yet by several measures of our collective health and wellness, we rank a piddling 37th in the world.
The House bill, with mega subsidies to the health insurance industry, seems to assure our place as No. 1 in the world – for health care spending that is. Within that 2,000-page tome is a mandate for universal coverage with all sorts of befuddling caveats. While health insurers will have to take on patients with preexisting conditions, they’ll do just fine with the increase in volume of patients and the ability to increase premiums. Those insurance execs are kicking back, popping another magnum of Dom Perignon, and reveling in their ability to influence people in high places. Money well spent.
Now I’m not a rocket surgeon, but I think that we can achieve close to universal coverage by developing a publicly financed, privately delivered system in which the 30 cents of each health care dollar currently wasted on insurance companies is channeled into actual health care. In the context of a single-payer plan, or “Medicare for All,” nobody dies for lack of insurance or goes bankrupt on account of medical bills.
Primary care is key
Health care financing is but one leg of the table of reform. An equally important support is primary care. By enhancing the financing of primary care training programs and assuring that reimbursements are commensurate with the costs of providing services, we’ll close in on the quality gap with countries such as France, Germany and Switzerland. Time and again, studies have shown that regions of the country well served by primary care and preventive medicine experience decreased costs across the board, with fewer expenditures due to excessive testing and hospitalizations.
The final two pillars holding up the table of reform are the general acceptance of evidence-based medicine and malpractice reform. We should not be paying for expensive and ineffective diagnostic procedures and treatments, though I do believe that guidelines, and not mandates, are reasonable to allow physicians some leeway in the management of challenging clinical scenarios.
By definition, evidence-based recommendations are a work in progress. The use of screening mammograms among women under 50 has saved countless lives, and this practice should not be abandoned or even modified until much longer-term studies are available. As with any procedure in medicine, patients need to be fully apprised of the risks versus benefits of cancer screening tests.
By practicing in accordance with good science and not speculation, we should be able to diminish the onerous burden of defensive medicine costs.
This brings me to the fourth leg supporting the table: tort reform, conspicuously absent from the House bill. Honest oversight, or a function of the millions of dollars thrown at Democratic congressional campaigns by trial lawyers? Now that’s a tough one.
Focus on doctors
As our elected officials preen and posture for the next part of reform’s journey through the Senate, it is important to remember that governments and insurance companies don’t deliver health care.
It is health care providers and hospitals, working with patients who are fortified with a sense of personal responsibility, that will ultimately control costs and improve care.
Though I do hope that some form of reform ultimately passes, I am concerned that this bill, like “Hillary Care” so many years ago, is destined to collapse from its own incomprehensible mass.
(Rob Kiefner is a family physician in Concord.)
http://www.concordmonitor.com/apps/pbcs.dll/article?AID=/20091204/OPINION/912040357
Will reform bill help my patients? I’m skeptical
Big money wasted on insurer subsidies
By ROB KIEFNER
Concord (N.H.) Monitor, Dec. 4, 2009
Amid chaos, misinformation and misunderstanding, the health care reform bill was nudged through the House of Representatives by the narrowest of margins. By not letting the facts get in the way of their blustering arguments, wacky lawmakers from both sides of the aisle offered lots of hype and heft, at times bench pressing the actual 2,100-page document to underscore the strength of their positions.
I thought, for a time, that outcome would be decided by virtue of which representative’s head exploded first in a display of feigned indignation about one aspect or another of the bill.
As a family physician, I rely upon my patients’ stories for insight into health care reform. Lost in the mind-numbing mumbo-jumbo from Capitol Hill are the stories of real patients who can’t afford insurance and small business owners who can’t offer it. The House legislation might make insurance available to my patient who is a struggling small business owner, but at an impossible cost. To add insult to injury, he’ll be fined if he doesn’t purchase insurance.
And for those patients who have “decent” insurance, there are always the struggles, which we share as their doctors, to obtain the diagnostic testing and therapeutic treatments to which they are entitled. By keeping the for-profit insurance companies happy, the legislation will continue to effect de facto rationing of health services by employing the hassle factor.
Good faith?
The costs associated with this bill are not at all clear. If projections are tied in to the “good faith” cuts promised by the pharmaceutical and insurance industries last summer, we are indeed in trouble.
We spend twice as much on health care, per capita, as any other industrialized nation. Yet by several measures of our collective health and wellness, we rank a piddling 37th in the world.
The House bill, with mega subsidies to the health insurance industry, seems to assure our place as No. 1 in the world – for health care spending that is. Within that 2,000-page tome is a mandate for universal coverage with all sorts of befuddling caveats. While health insurers will have to take on patients with preexisting conditions, they’ll do just fine with the increase in volume of patients and the ability to increase premiums. Those insurance execs are kicking back, popping another magnum of Dom Perignon, and reveling in their ability to influence people in high places. Money well spent.
Now I’m not a rocket surgeon, but I think that we can achieve close to universal coverage by developing a publicly financed, privately delivered system in which the 30 cents of each health care dollar currently wasted on insurance companies is channeled into actual health care. In the context of a single-payer plan, or “Medicare for All,” nobody dies for lack of insurance or goes bankrupt on account of medical bills.
Primary care is key
Health care financing is but one leg of the table of reform. An equally important support is primary care. By enhancing the financing of primary care training programs and assuring that reimbursements are commensurate with the costs of providing services, we’ll close in on the quality gap with countries such as France, Germany and Switzerland. Time and again, studies have shown that regions of the country well served by primary care and preventive medicine experience decreased costs across the board, with fewer expenditures due to excessive testing and hospitalizations.
The final two pillars holding up the table of reform are the general acceptance of evidence-based medicine and malpractice reform. We should not be paying for expensive and ineffective diagnostic procedures and treatments, though I do believe that guidelines, and not mandates, are reasonable to allow physicians some leeway in the management of challenging clinical scenarios.
By definition, evidence-based recommendations are a work in progress. The use of screening mammograms among women under 50 has saved countless lives, and this practice should not be abandoned or even modified until much longer-term studies are available. As with any procedure in medicine, patients need to be fully apprised of the risks versus benefits of cancer screening tests.
By practicing in accordance with good science and not speculation, we should be able to diminish the onerous burden of defensive medicine costs.
This brings me to the fourth leg supporting the table: tort reform, conspicuously absent from the House bill. Honest oversight, or a function of the millions of dollars thrown at Democratic congressional campaigns by trial lawyers? Now that’s a tough one.
Focus on doctors
As our elected officials preen and posture for the next part of reform’s journey through the Senate, it is important to remember that governments and insurance companies don’t deliver health care.
It is health care providers and hospitals, working with patients who are fortified with a sense of personal responsibility, that will ultimately control costs and improve care.
Though I do hope that some form of reform ultimately passes, I am concerned that this bill, like “Hillary Care” so many years ago, is destined to collapse from its own incomprehensible mass.
(Rob Kiefner is a family physician in Concord.)
http://www.concordmonitor.com/apps/pbcs.dll/article?AID=/20091204/OPINION/912040357
It’s time for business community to take stand on health reform
By Hirsh Cohen
Business Courier of Cincinnati
Friday, December 4, 2009
The latest numbers are staggering. A new Harvard study in the American Journal of Public Health reports that nearly 45,000 deaths occur each year in the U.S. because of the lack of health insurance. That’s a death every 12 minutes.
Half of middle-class workers say they or a family member postponed, cut back or skipped needed care because of its cost, according to a June 2009 survey.
In my many years in public health, I am personally aware of dozens of people whose health suffered because they lacked insurance coverage. They put off care until their condition was critical, sometimes with catastrophic results.
Beyond the human toll, our fragmented and dysfunctional health system hurts us financially. Health care costs and insurance premiums are skyrocketing, unsustainably straining businesses and workers.
Sixty-two percent of personal bankruptcies are now linked to medical bills and illness, and more than three-quarters of those bankrupted had insurance when they got sick. Premiums for employer-sponsored coverage have more than doubled over the past decade.
Something’s terribly wrong
Regrettably, the bills emerging in Congress would do little to reverse these trends. They simply don’t go far enough.
The business community should be alarmed that we are getting so little return for our health care dollar. Our insurance premiums go up, but coverage deteriorates. We face more co-pays and deductibles, claim denials and hassles. In addition, the costs of providing care to the uninsured and underinsured are borne by a smaller pool of insured workers. It is estimated that almost 25 percent of our premiums fund Medicare, Medicaid and uninsured shortfalls.
The U.S. spends twice as much per capita on health care as any other Western nation but has much less to show for it in medical outcomes. We are No. 1 in dollars spent but 37th in performance out of the 191 countries tracked by the World Health Organization, placing us below Colombia, Saudi Arabia and Portugal.
Why? A big part of the answer is that we rely on a private insurance model. For all its net value, the system saddles us with enormous bureaucracy. (Approximately 31 percent of every dollar is spent on administration and profits instead of going toward care.)
In addition, we are focused on a medical services model and not a health care model; incentives exist to treat on a fee-for-service basis with little or no incentives for prevention and primary care.
The proposed legislative initiatives will help improve some access and possibly some costs, but the execution will be difficult and time-consuming. An expanded and improved version of Medicare would be more cost-effective and equitable. Some lawmakers say such an approach is unrealistic, but 44 years ago the same was said about Medicare.
My years of work in Canada convinced me that a single-payer model is workable and effective. It’s true that system is stressed and needs significant improvement, but the funding is more logical and no one in Canada declares bankruptcy because of medical costs. An American single-payer system would have its own features and enjoy better funding.
It is time that the business community take a strong stand to ensure that our nation joins the rest of the industrialized world and guarantee seamless health care coverage to every man, woman and child in America. That means a publicly financed, but privately delivered program of single-payer Medicare for All.
Let’s get serious, Cincinnati business community.
A Better Way
The benefits to businesses and the work force under a single-payer program:
• Both employees and employers would get more health care and less bureaucracy for every dollar spent.
• Medical bankruptcies would become a thing of the past.
• Employers would have a stronger incentive to move part-time workers to full time.
• With increased access to preventive care and wellness programs, employees would be healthier and miss less time from work.
• Employers would see a drop in liability insurance and workers’ compensation costs, an end to contentious negotiations with insurers, a reduction in retiree benefit costs and an end to complaints by employees over rising premiums and expenses.
• Finally, an improved Medicare for All would allow costs to be controlled and predictable, eliminating a major source of business uncertainty and a barrier to planning.
Cohen holds a master’s degree in health administration and is a fellow of the American College of Healthcare Executives. He was the assistant health commissioner for Cincinnati and has held health care executive positions in both the U.S. and Canada.
http://cincinnati.bizjournals.com/cincinnati/stories/2009/12/07/editorial3.html
Lessons from Massachusetts Health Care Reform Health
By Sylvia Thompson and Iyah Romm
The Huffington Post, December 4, 2009
As Massachusetts physicians-in-training, we’ve had a sneak preview of the future of health care in the United States. Across the country health policy-makers are looking to our state as a model. As in Massachusetts, the U.S. Senate and House bills preserve the role of private health insurers, while subsidizing coverage for the poor and near-poor, and imposes an individual mandate requiring everyone else to purchase insurance or pay a fine. Coverage has increased in Massachusetts, with five percent or less of residents now uninsured. The Connector, an Expedia-like marketplace of insurance plans, has offered residents a choice of coverage and is the archetype of a national exchange. When national reform proposals have been criticized for not bending-the-cost curve, proponents have pointed to the cover-now, pay-later strategy in Massachusetts, which is now considering a global-payment cost control proposal to curb unprecedented spending.
If Massachusetts is going to be a model for reform, however, we must consider both the successes and failures of the past three years. It has become painfully obvious both in our studies and clinical practice that coverage does not equal care. Despite boasting the strongest primary care workforce in the country, the newly-insured in Massachusetts report waiting months for appointments. Meanwhile, the Connector has added 4.5 percent overhead to the already crushing administrative costs of our private insurance companies. Premiums have increased drastically since 2006: care in Massachusetts now costs more than anywhere else in the history of the world. Since the Commonwealth has committed to subsidizing low-income residents, premium increases have often come directly from the state’s coffers.
Instead of enacting structural reform to rein in costs, the Governor and legislature have chosen to restrict access to care. In May, the legislature eliminated $130 million of health insurance subsidies for 28,000 legal immigrants (mostly green-care holders) who have been here for less than five years. Under pressure from national Democratic Party leaders to highlight Massachusetts’ ‘successes’, the legislature reinstated $40 million to cover this population as a bridge to the next fiscal year. Given the impossibility of ensuring care for this population on a shoestring budget, the state sold these Massachusetts residents’ healthcare to an out-of-state, for-profit HMO, CeltiCare. This single-source, anticompetitive contract was signed without the knowledge or consent of these patients.
So far, CeltiCare has restricted access by offering an unprecedented and dangerously limited provider network. CeltiCare has signed up enrollees and then contracted with too few physicians to care for them as a means of suppressing health care utilization and cost. The CeltiCare network excludes most of the safety-net health centers, hospitals, and primary care doctors that previously cared for these patients. CeltiCare has also dramatically increased copayments, amounting to a tax on some of the most vulnerable legal residents of the state.
In our work, we witness the medical consequences of this short-sighted and unjust policy. We see young women in emergency departments for possible ectopic pregnancies – a life threatening diagnosis requiring close monitoring – but now our colleagues cannot provide critical follow-up care in their clinics. So women are sent home and told to look elsewhere for care. Or, when a patient calls in excruciating pain, the only way we can do our jobs is to spend hours searching for barely-permissible loopholes in policy.
To add insult to injury, the Commonwealth has only guaranteed coverage for this cohort of legal residents until June 30, 2010, thus making CeltiCare a bridge to nowhere. What’s more, last week the Commonwealth announced that more than one million Medicaid recipients will soon be required to pay higher co-pays and obtain prior approval for critical medications in order to close the state’s $307 million Medicaid budget shortfall. As cutting care becomes a proxy for genuine cost-containment, we’re left wondering who will next be pushed down this slippery slope.
Health care for all is the moral issue of our generation. We have come of age in a globalizing world. Denying care to foreign-born patients who have played by the rules — who came here legally to work and pay taxes – is economically, medically, and morally senseless. If universal coverage is our goal, we must recognize that subsidies and individual mandates that exclude many people or leave them with prohibitively high co-payments can never truly be universal.
Architects of reform must not replicate the splintering Massachusetts system, but rather look to the innovative and excellent health systems across Europe and Asia. We must create a federally-funded, privately delivered single payer system, Medicare-for-All as proposed by Sen. Bernie Sanders (I-VT) this week. A single payer system could save $400 billion every year on administration, eliminating the need to “cover-now, pay-later” or place arbitrary restrictions on providers. Having all physicians under one network would eliminate fragmentation of care while empowering patients to have real choices – not just which insurance product to buy, but which doctor to visit.
Looking to a future that breaks the mold built by Massachusetts, we see the possibility of a single payer system that makes our fragmented care whole, that defines a new standard of inclusion, and provides comprehensive, secure, and inalienable rights to all. This is the system in which we, the next generation of America’s doctors, aspire to serve our patients.
Iyah Romm and Sylvia Thompson, M.D. are physicians-in-training in Boston, and national policy leaders in the American Medical Student Association (AMSA).
http://www.huffingtonpost.com/iyah-romm/lessons-from-massachusett_b_380718.html
Suzanne Gordon Interviews T.R. Reid
Watch a video interview with T.R. Reid by Suzanne Gordon at PNHP’s Annual Meeting in Cambridge, Mass., in October 2009
See also “Health Care Systems – Four Basic Models” by T.R. Reid
History in a Number: Senate Amendment 2837
By Donna Smith
CommonDreams.org, Dec. 3, 2009
The idea of a Medicare-for-All-type, single-payer health care system will be heard on the Senate floor. Late last evening, Senator Bernie Sanders of Vermont filed Senate Amendment No. 2837, and there are two additional original co-sponsors of this amendment, Senator Roland Burris of Illinois and Senator Sherrod Brown of Ohio.
The idea that health care is a basic human right that could and should be delivered to each and every person in this nation is not a new one. Our President knows that; our Congress knows that. But this struggle to reform the broken, profit-driven system has carried us a very long way from the spot that would allow us to finally extend that basic human right to all.
We’ve drifted off to talking about excise taxes and insurance exchanges and bending the cost curves. Amendment 2837 brings us back to the basics.
What’s in a number? 45,000 people die every year in this nation without access to health care.
Medicare has its flaws, but overall it has provided seniors and the disabled with the best access to care that this nation could offer since the 1960s. But the rest of us have not been so lucky with our access to health care. Among those not covered by Medicare or the VA, the numbers of unnecessary deaths have soared; personal bankruptcies due to medical crisis have soared.
What is a number? Poverty among seniors has dropped more than 60 percent since the adoption of Medicare.
The health care reform effort has largely ignored the single-payer solution. Public financing and private delivery of health care through a Medicare-for-All-type system would be an elegant, cost effective and proven way to fix much of what is broken while retaining that sense of personal choice over health care decisions that Americans value so highly. Yet, the discussion has been muted by the powerful profit-based insurance and health industry interests that stand to gain so very much by expanding and entrenching their hold over the U.S. health care system through this reform process.
What’s in a number? Millions of Americans file for personal bankruptcy – one every 90 seconds – because medical crisis hit them too hard. And of those bankrupt folks, two-thirds had health insurance.
We will not get to the point of granting health care to all during this legislative cycle. We just won’t. Our elected officials were less powerful than the profit-takers this time around. And we did not make our demands loud enough and clear enough. But we will find out in the Senate who stands for all of us and who stands for those who would profit from our continued suffering. And we will find that out by watching and listening as Senate Amendment 2837 is considered and debated – and voted upon.
The time draws short to weigh in clearly with your senators. We know they will not get to the point of passing a single-payer system this time around. But we also know they can begin setting the benchmarks for what we should do going forward. And with a yes vote on this amendment, senators send us the message that they heard us, that they will keep fighting with us until the day when this nation no longer leaves the weak, the sick and the poor behind in the delivery of its most basic human rights.
Call your senators. Tell them you want them to vote for Senators Sanders, Burris and Brown’s amendment number 2837. Call today. Call now. Insist on a vote for moral and fiscal sanity.
What’s in a number? Everything. Senate Amendment No. 2837.
Everyone in, nobody out.
Donna Smith is community organizer and legislative advocate for the California Nurses Association / National Nurses Organizing Committee.
Do the insurance industry reports totally lack all credibility?
Good News on Premiums
Editorial
The New York Times
December 3, 2009
The health insurance industry frightened Americans — and gave Republicans a shrill talking point — when it declared in October that proposed reform legislation would drive up insurance costs for virtually everyone by as much as thousands of dollars a year. The nonpartisan Congressional Budget Office persuasively contradicted that claim this week.
Undaunted, the industry issued a rebuttal report, claiming again that premiums would soar. We find this second industry report no more persuasive than the first.
The insurance industry is not giving up. On Thursday, the Blue Cross and Blue Shield Association issued a report contending that the C.B.O. underestimated the expected medical costs of people who will be buying policies on the individual (nongroup) market.
(CBO notes that) the legal mandate to obtain coverage, the penalties for noncompliance, and the generous subsidies for low- and middle-income people would encourage most people to enroll without waiting to become sick.
http://www.nytimes.com/2009/12/04/opinion/04fri1.html?_r=1&ref=opinion
And…
Coming Attractions: Insurance Industry Funded Study is Wrong on the Facts… Again…
Posted by Dan Pfeiffer, White House Communications Director
The White House
The White House Blog
December 3, 2009
Later today, the insurance industry releases their latest in a string of flawed analyses designed to confuse the debate around health reform.
In addition to ignoring Congress’s independent budget experts, the new report reaches its conclusions by cherry-picking which policies to analyze – a tactic we’ve seen the industry use repeatedly. Most egregiously, its alarmist headline conclusions leave out the impact that new tax credits will have on the cost of health insurance for families. That makes no sense. In reality, the report itself acknowledges that: “[s]ubsidies will entirely or partially offset these premium increases for some individuals.”
And…
Impact of the Patient Protection and Affordable Care Act on Costs in the Individual and Small-Employer Health Insurance Markets
By Jason Grau and Kurt Giesa
BlueCross BlueShield Association
Oliver Wyman
December 3, 2009
Impact of Subsidies
Subsidies would play an important role in reducing out-of-pocket costs for certain individuals, especially those below 200% of FPL, who are likely to purchase insurance under the proposed reforms. Subsidies will cover more than 90% of premium costs for individuals in this income range, significantly reducing financial barriers to purchasing coverage.
By contrast, our analysis of the Senate bill projects that 8.7 million will not be eligible for the subsidies. Another 3.3 million people who purchase coverage will have incomes of 300-400% FPL and will be eligible for average subsidies of 45% of their premiums (which would not fully offset the cost increases we predict). Finally, 13.3 million lower-income individuals who purchase coverage will have incomes of 100-300% FPL. They will have access to subsidies of 70-90% of their premiums, which will offset much if not all of the increased premiums they will face.
Our modeling predicts that those who are eligible for subsidies will be more likely to purchase insurance than those who are not. However, subsidies will not ensure that young and healthy people participate. Short of achieving 100% coverage, adverse selection will always exist, and the young and healthy will be the most difficult to bring into the market.
Impact of Weak Individual Mandates
The Senate bill requires individuals to purchase insurance coverage or face financial penalties. An amendment accepted during mark-up of the Chairman’s Mark in the Finance Committee, and largely retained in the Senate leadership bill, substantially weakened the bill’s individual mandate. The individual mandate penalty in PPACA is set at just $95 in the first year insurance reforms become effective (2014). This penalty rises gradually, reaching a maximum of $750 per adult in 2016. This maximum penalty is likely to be only about 16 percent of an average premium in 2016, assuming current rates of medical cost inflation.
The amendment also exempts individuals whose premiums exceed 8% of their adjusted gross income (AGI). In 33 states, the average cost of health insurance exceeds eight percent of median state income. In fact, in the first year of reform 25% of the exchange-eligible population will face insurance costs in excess of the 8% AGI threshold and qualify for mandate exemption. Premium increases over a ten-year period will result in nearly half of the population qualifying for mandate exemption status.
Conclusion (excerpt)
The provision of subsidies alone will not offset the impact of insurance reforms on average premiums in the market. A balanced, sustainable insurance pool, that ensures everyone is covered, is critical to making healthcare affordable for all.
http://www.bcbs.com/issues/uninsured/background/patient-protection-affordable-care-act.html
Comment:
By Don McCanne, MD
Recent reports from the insurance industry, including this report from the BlueCross BlueShield Association, have been targeted by proponents of the current leading reform model as biased reports without credibility – witness the comments by The White House and The New York Times (both also biased). But the fundamental message from the insurance industry is very valid: the reform proposal before Congress does not do nearly enough to control health care costs, and the mandates, subsidies and penalties are inadequate to ensure that all risks are adequately pooled.
This report confirms once again that the subsidies are inadequate, particularly for middle-income families, and likely will result in adverse selection as the healthier take their chances on remaining uninsured. It confirms that the penalty for being uninsured is too small to ensure compliance with the insurance requirement. It also confirms that a very large and rapidly growing number of individuals will be exempt from the mandate to purchase insurance simply because their incomes are inadequate to be able to afford the plans.
There is one statement in this report that the proponents of the proposal before Congress should take careful note of, and it is remarkable that it is coming from the insurance industry: “A balanced, sustainable insurance pool, that ensures everyone is covered, is critical to making health care affordable for all.”
The dysfunctional, fragmented model of health care financing that Congress is moving forward with can never create a balanced, sustainable risk pool, nor can it ensure that everyone is covered, nor can it make health care affordable for all.
We really do need a balanced, sustainable pool that includes everyone and is equitably financed: an improved Medicare for all.