http://blogs.indystar.com/varvelblog/archives/2010/02/health_insuranc.html
“Health Insurance Premiums” By Gary Varvel
Sen. Russell Feingold on single payer
Health care on their minds
By Bryan Horwath
The Dunn County News
February 9, 2010
It was clear what topic was at the forefront of most people’s minds during a listening session with Sen. Russell Feingold (D-Wisconsin) at Boyceville High School on Saturday — health care, health care and more health care.
The topic of the day included concerns over health care costs, the so-called government takeover of health care, requests for universal health care, and horror stories from individuals and small business owners over what many described as a broken system.
After a couple of questions about the perceived lack of civility among politicians in Washington and the possibility of peak oil becoming a real concern, the health care questions started coming in droves.
Singling out single payer
One resident wanted to know why the single-payer system — popular in other industrialized nations — isn’t on the table any longer with regard to President Obama’s health care reform bill.
The health care bill passed in the U.S. Senate on a bitter partisan vote in December of last year, but is currently tied up in the House. Some in Washington think the bill is on the verge of falling apart because of strong opposition by Republicans and the recent election of Scott Brown to the U.S. Senate in Massachusetts.
“If you would have been to some of the other town meetings I’ve been to in the past year, you would know why (health care is fading),” Feingold said. “The opposition is unbelievable. The bill that we passed in the Senate not only doesn’t have single-payer, but there isn’t even a public option. People are calling it a government takeover of health care, but it’s just the opposite — it’s a big increase in private health care.”
The senator got applause from the mostly pro-Feingold crowd when he said he was in favor of a single-payer system, but said he has not seen enough support for single-payer in recent months.
“There wasn’t near enough support for single-payer at this point,” Feingold said. “I’m willing to see if this bill that we passed in the Senate works. If it doesn’t, however, then maybe we have to go back and look at single-payer. I’m suddenly hearing more talk about it, so if the current health care bill dies, we might eventually hear more about (single-payer).”
Reform is overdue
Feingold did say that the time for health care reform is long overdue.
“I’m worried about this,” he said. “I was in this job in the early 90s when the health care plan with the Clintons failed. Every year in the 90s when I went to town meetings like this, health care was the number one issue. I’ve been going to these types of sessions for 17 years, and by far the thing people ask for the most is universal health care.”
Feingold did say that the current health care bill would still be a victory for health insurance providers.
“When we had the public option die with our bill in the Senate, the champagne bottles were popping over at the insurance companies’ offices,” Feingold said. “My only hope is that people decide they don’t want to be dominated by the big insurance companies any more than they want to be by big government. You have to balance big government with big business so that people are protected, but that’s not where we’re headed.”
One resident said he was happy that Democrats have been attempting to pass a health care bill, but was dismayed that nothing seems to be getting done.
“I think the president is absolutely right,” Feingold said. “You can’t talk about the deficit or the economy without talking about health care. We’ll see what happens.”
http://www.dunnconnect.com/articles/2010/02/09/news/doc4b7193d6509f4816839479.txt
Sen. Russell Feingold seems to be saying what we’ve been saying all along. If the Senate bill fails, then we’ll “hear more about (single-payer).” If this bill passes but doesn’t work (and it won’t), then “we have to go back and look at single-payer.”
One way or another, we eventually will have single payer or some form of social insurance very close to it. With increasing intolerance to rising costs which result in diminished access and impaired health outcomes, no other end result is possible.
When health care is a right: Right-wing claims that Britain's government-run health care system is a disaster are lies
By Helen Scott
Socialist Worker
September 2, 2009
WHILE I was recently visiting England, my country of birth, my 79-year-old mother fell ill. Worried by her worsening condition, my sister and I contacted her health center and were told to call the emergency number, 999, as her symptoms indicated heart failure.
Almost before we put the phone down, we heard the ambulance sirens, and within minutes, two efficient and friendly medics had moved our mother in to the ambulance, where they proceeded to take her vital statistics and make her comfortable.
When we reached the hospital, a bed with her name on it was ready, and a registered nurse performed a physical check-up and took an exhaustive medical history, asking my mother and me, as her next of kin, a myriad questions about her current and past health. Next came an examination from a doctor, a diagnosis and prescribed medications to stabilize her.
For almost two weeks now, she has received constant care from a team of remarkable orderlies, doctors and nurses. Not only the immediate condition, but also an unrelated chronic hip complaint, has been treated.
Having lived in the U.S. for over two decades, this encounter with Britain’s National Health Service (NHS) was in stark contrast to my usual experience with health care.
First, never did anyone mention health insurance or bills for service or drugs. Even though I currently have what is considered to be one of the best employer-based Blue Cross/Blue Shield health plans, trips to the hospital or doctor are always circumscribed by time-consuming referrals, paperwork and co-pays. A shocking one-third of all health care spending in the U.S. goes to such bureaucracy.
In the past, when I had an inferior health insurance plan, my diagnosis with multiple sclerosis–which was traumatic enough on its own–was made even worse by constant battles with a hostile insurance company, and then the steady accumulation of debt as I struggled to cover one-third of the costs of MRIs, consultations and treatment.
It is common knowledge that for the almost 50 million uninsured Americans today, getting sick can be an economic catastrophe. But this is also the case for many millions more of the “underinsured.”
In England, in contrast, no one referred to the cost of ambulance, X-rays, blood tests, doctors, hospital beds or medications. We were assured that my mother would not be discharged until she was medically fit to cope at home, and that they would provide an assessment and a care package–including such services as a visiting home aide, physical and occupational therapy, meals-on-wheels, etc.–to enable this.
The doctors didn’t restrict themselves to the particular health problem that led to the hospitalization, but rather were interested in the overall picture, including mental and social well-being–again, in stark contrast to the hyper-specialization that defines health care in the U.S.
SO IT was surreal to follow the right-wing propaganda against “socialized medicine” in the U.S. while experiencing the benefits of a government-run national health care system.
The lunatic right-wingers stacking town meetings and monopolizing the airwaves warn that a government-run system would mean death panels to decide whose Granny gets to live or die, inefficient and substandard care, no choice, long waits, cumbersome bureaucracy and soaring costs.
In reality, it is the U.S. for-profit system, dominated by the big pharmaceuticals and insurance companies, that produces the kind of horrors conjured by right-wingers.
Countless studies have confirmed that while the U.S. far outspends other industrialized nations that have national health plans, including the UK, it ranks at or near the bottom in terms of access, quality, equity and public health. While death panels do not exist here any more than they do in the UK, whether or not someone gets necessary treatment in the U.S. is determined by ability to pay, unlike in the UK where provision of medical care is universal.
The NHS is not perfect. One of my criticisms of Michael Moore’s otherwise brilliant critique of for-profit health care, Sicko, is that the documentary fails to mention the cuts and creeping privatization that have eroded health care in the UK and elsewhere. As underfunding has created long waiting lists for routine procedures, those with the money, or workplace-provided plans, have turned to the growing private health care system.
There is also some regional unevenness in health care provision (both within and between the separate health authorities in Wales, England, Scotland and Ireland). And fees have been introduced for some prescriptions and dental care.
But even so, the NHS provides health care that is vastly superior to, and far less expensive than, that in the U.S. This is why it has retained immense public support, to the degree that none of the major political parties dare to attack it, and neither Margaret Thatcher nor New Labour under Tony Blair succeeded in privatizing it.
The overwhelming majority of Britons believe that health care is a fundamental right that should be guaranteed by government, not something that corporations should control and make money from.
The right-wing slander in the U.S. produced an outpouring of support for the NHS in England, with local and national news outlets running stories about the difference in care in the two countries, and glowing personal testimony from countless individuals.
But there was also a lot of misinformation about the debate. Many people are under the illusion that the “Obama plan” offers universal government-provided health care, and that the American people “just aren’t ready” for such radical reform.
In reality, U.S. public opinion polls for years have consistently found that around two-thirds of Americans do favor a national health plan akin to Medicare, run by the government and supported with tax money. As David Sirota writes in a recent Salon.com article, Obama in the past publicly favored a single-payer system–for example, in a speech in 2003, at which time “ABC’s 2003 poll showed almost two-thirds of Americans desiring a single-payer system ‘run by the government and financed by taxpayers,’ just as CBS’s 2009 poll shows roughly the same percentage today,” Sirota wrote.
It is certainly true that support for Obama’s health care reform has dropped precipitously, but this has happened as the debate in Washington has moved further and further away from the proposal for a single-payer system–and as it has become increasingly evident that the pharmaceuticals and insurance industry are overrepresented in the Baucus committee. (For a good overview of this, see Chad Terhune and Keith Epstein’s August 6 Business Week cover story, “The Health Insurers Have Already Won.”)
We desperately need fundamental health care reform in this country, but for that to happen, the terms of the debate need a drastic reorientation. As Physicians for a National Health Program wrote in an open letter to the president:
Only single-payer, by redirecting the vast sums wasted annually on bureaucracy and paperwork back into care, can assure high-quality coverage for everyone with no net increase in U.S. health spending. Only single-payer can rein in costs. Lesser reforms, with or without a “public option,” won’t fix our broken system.
http://socialistworker.org/2009/09/02/when-health-care-is-a-right
When health care is a right: Right-wing claims that Britain’s government-run health care system is a disaster are lies
By Helen Scott
Socialist Worker
September 2, 2009
WHILE I was recently visiting England, my country of birth, my 79-year-old mother fell ill. Worried by her worsening condition, my sister and I contacted her health center and were told to call the emergency number, 999, as her symptoms indicated heart failure.
Almost before we put the phone down, we heard the ambulance sirens, and within minutes, two efficient and friendly medics had moved our mother in to the ambulance, where they proceeded to take her vital statistics and make her comfortable.
When we reached the hospital, a bed with her name on it was ready, and a registered nurse performed a physical check-up and took an exhaustive medical history, asking my mother and me, as her next of kin, a myriad questions about her current and past health. Next came an examination from a doctor, a diagnosis and prescribed medications to stabilize her.
For almost two weeks now, she has received constant care from a team of remarkable orderlies, doctors and nurses. Not only the immediate condition, but also an unrelated chronic hip complaint, has been treated.
Having lived in the U.S. for over two decades, this encounter with Britain’s National Health Service (NHS) was in stark contrast to my usual experience with health care.
First, never did anyone mention health insurance or bills for service or drugs. Even though I currently have what is considered to be one of the best employer-based Blue Cross/Blue Shield health plans, trips to the hospital or doctor are always circumscribed by time-consuming referrals, paperwork and co-pays. A shocking one-third of all health care spending in the U.S. goes to such bureaucracy.
In the past, when I had an inferior health insurance plan, my diagnosis with multiple sclerosis–which was traumatic enough on its own–was made even worse by constant battles with a hostile insurance company, and then the steady accumulation of debt as I struggled to cover one-third of the costs of MRIs, consultations and treatment.
It is common knowledge that for the almost 50 million uninsured Americans today, getting sick can be an economic catastrophe. But this is also the case for many millions more of the “underinsured.”
In England, in contrast, no one referred to the cost of ambulance, X-rays, blood tests, doctors, hospital beds or medications. We were assured that my mother would not be discharged until she was medically fit to cope at home, and that they would provide an assessment and a care package–including such services as a visiting home aide, physical and occupational therapy, meals-on-wheels, etc.–to enable this.
The doctors didn’t restrict themselves to the particular health problem that led to the hospitalization, but rather were interested in the overall picture, including mental and social well-being–again, in stark contrast to the hyper-specialization that defines health care in the U.S.
SO IT was surreal to follow the right-wing propaganda against “socialized medicine” in the U.S. while experiencing the benefits of a government-run national health care system.
The lunatic right-wingers stacking town meetings and monopolizing the airwaves warn that a government-run system would mean death panels to decide whose Granny gets to live or die, inefficient and substandard care, no choice, long waits, cumbersome bureaucracy and soaring costs.
In reality, it is the U.S. for-profit system, dominated by the big pharmaceuticals and insurance companies, that produces the kind of horrors conjured by right-wingers.
Countless studies have confirmed that while the U.S. far outspends other industrialized nations that have national health plans, including the UK, it ranks at or near the bottom in terms of access, quality, equity and public health. While death panels do not exist here any more than they do in the UK, whether or not someone gets necessary treatment in the U.S. is determined by ability to pay, unlike in the UK where provision of medical care is universal.
The NHS is not perfect. One of my criticisms of Michael Moore’s otherwise brilliant critique of for-profit health care, Sicko, is that the documentary fails to mention the cuts and creeping privatization that have eroded health care in the UK and elsewhere. As underfunding has created long waiting lists for routine procedures, those with the money, or workplace-provided plans, have turned to the growing private health care system.
There is also some regional unevenness in health care provision (both within and between the separate health authorities in Wales, England, Scotland and Ireland). And fees have been introduced for some prescriptions and dental care.
But even so, the NHS provides health care that is vastly superior to, and far less expensive than, that in the U.S. This is why it has retained immense public support, to the degree that none of the major political parties dare to attack it, and neither Margaret Thatcher nor New Labour under Tony Blair succeeded in privatizing it.
The overwhelming majority of Britons believe that health care is a fundamental right that should be guaranteed by government, not something that corporations should control and make money from.
The right-wing slander in the U.S. produced an outpouring of support for the NHS in England, with local and national news outlets running stories about the difference in care in the two countries, and glowing personal testimony from countless individuals.
But there was also a lot of misinformation about the debate. Many people are under the illusion that the “Obama plan” offers universal government-provided health care, and that the American people “just aren’t ready” for such radical reform.
In reality, U.S. public opinion polls for years have consistently found that around two-thirds of Americans do favor a national health plan akin to Medicare, run by the government and supported with tax money. As David Sirota writes in a recent Salon.com article, Obama in the past publicly favored a single-payer system–for example, in a speech in 2003, at which time “ABC’s 2003 poll showed almost two-thirds of Americans desiring a single-payer system ‘run by the government and financed by taxpayers,’ just as CBS’s 2009 poll shows roughly the same percentage today,” Sirota wrote.
It is certainly true that support for Obama’s health care reform has dropped precipitously, but this has happened as the debate in Washington has moved further and further away from the proposal for a single-payer system–and as it has become increasingly evident that the pharmaceuticals and insurance industry are overrepresented in the Baucus committee. (For a good overview of this, see Chad Terhune and Keith Epstein’s August 6 Business Week cover story, “The Health Insurers Have Already Won.”)
We desperately need fundamental health care reform in this country, but for that to happen, the terms of the debate need a drastic reorientation. As Physicians for a National Health Program wrote in an open letter to the president:
Only single-payer, by redirecting the vast sums wasted annually on bureaucracy and paperwork back into care, can assure high-quality coverage for everyone with no net increase in U.S. health spending. Only single-payer can rein in costs. Lesser reforms, with or without a “public option,” won’t fix our broken system.
http://socialistworker.org/2009/09/02/when-health-care-is-a-right
Nurses Blast 39% Anthem Blue Cross Rate Hike
“Stronger Medicine Needed to End Insurance Abuses”
From National Nurses United
Press Release
For Immediate Release
February 9, 2010
Contact: Charles Idelson, 510-273-2246, Shum Preston, 510-273-2276
The nation’s largest union and professional organization of registered nurses, National Nurses United, today joined the national condemnation of Anthem Blue Cross for imposing rate hikes of up to 39 percent for Californians with individual policies, but said the outrage must “go beyond words to action to end insurance abuses once and for all.”
“Anthem’s disgraceful behavior may be particularly offensive, but it is not out of character for an industry engages systemically in price gouging and denial of care,” said NNU Co-president Deborah Burger, RN.
“Condemnation is well deserved, but not enough. We need stronger medicine to cure what ails our healthcare system by removing the ability of insurance companies to indiscriminately price people out of access to care, and routinely deny claims they don’t want to pay.
“The best way to achieve that goal would be expanding Medicare to cover everyone, which would retain our private delivery system, more effectively control healthcare costs, guarantee choice and access to care for everyone, and put patients, their families, and their doctors in charge of their care, not insurance bureaucrats,” Burger said.
For companies like Anthem skyrocketing price hikes and denials are highly profitable. Anthem’s parent corporation, Wellpoint, recorded record 2009 profits of $4.7 billion, nearly double its 2008 profits, with a five year total of $16.1 billion. It’s top five executives were paid more than $20 million in 2008. And during the debate on healthcare reform in California in 2007, it was reported that in the individual insurance market companies spend as little as 50% of premiums on direct healthcare.
While Congress remains stalled on healthcare reform, some states are moving ahead. Burger noted, for example, growing support for single payer bills in California, where SB 810 recently passed the State Senate, and Pennsylvania, where the Pennsylvania Democratic State Committee last weekend unanimously endorsed two single payer bills, HB 1660 and SB 400.
Anthem’s latest rate hike is expected to affect some 800,000 Californians.
Anthem was also one of six major California insurance companies which, NNU research uncovered last fall, deny more than one-fifth of all claims. For the first nine months of 2009, Anthem’s denial rate was 27 percent. One such patient is Kim Kutcher of Dana Point, Calif. In 2008, six days before Kutcher was scheduled to have special back surgery, Anthem Blue Cross denied authorization for the procedure as “investigational” even though the lumbar artificial disc she was to receive had FDA approval. At the time of denial, which she calls “insurance hell,” Kutcher had “already gone through pre-op testing, donated a unit of blood, had appointments with four physicians.” Kutcher paid $60,000 out of pocket for the operation and is still fighting Blue Cross.
Why does Anthem Blue Cross need a 39% premium increase?
Anthem Blue Cross dramatically raising rates for Californians with individual health policies
By Duke Helfand
Los Angeles Times
February 4, 2010
California’s largest for-profit health insurer is moving to dramatically raise rates for customers with individual policies, setting off a furor among policyholders and prompting state insurance regulators to investigate.
Anthem Blue Cross is telling many of its approximately 800,000 customers who buy individual coverage — people not covered by group rates — that its prices will go up March 1 and may be adjusted “more frequently” than its typical yearly increases.
The insurer declined to say how high it is increasing rates. But brokers who sell these policies say they are fielding numerous calls from customers incensed over premium increases of 30% to 39%, saying they come on the heels of similar jumps last year.
Insurers are free to cherry-pick the healthiest customers in the lightly regulated individual market. They can raise rates at any time as long as they notify the state Department of Insurance and prove that they are spending at least 70% of premiums on medical care.
Many policyholders say the rate hikes are the largest they can remember, and they fear that subsequent premium growth will narrow their options — leaving them to buy policies with higher deductibles and less coverage or putting health insurance out of reach altogether.
The insurer said it had a team of workers to help customers balance costs and insurance.
“Anthem offers a variety of health benefit plans,” the company said, “and we are dedicated to working with our members to find health coverage plans that are the most appropriate and affordable for their needs.”
http://articles.latimes.com/2010/feb/04/business/la-fi-insure-anthem5-2010feb05
And…
Letter from Kathleen Sebelius, Secretary of Health and Human Services, to Leslie Margolin, President, Anthem Blue Cross
U.S. Department of Health & Human Services
February 8, 2010
Excerpt:
One of the biggest pressures facing families, businesses and governments at every level are skyrocketing health insurance costs. With so many families already affected by rising costs, I was very disturbed to learn through media accounts that Anthem Blue Cross plans to raise premiums for its California customers by as much as 39 percent. These extraordinary increases are up to 15 times faster than inflation and threaten to make health care unaffordable for hundreds of thousands of Californians, many of whom are already struggling to make ends meet in a difficult economy.
Your company’s strong financial position makes these rate increases even more difficult to understand. As you know, your parent company, WellPoint Incorporated, has seen its profits soar, earning $2.7 billion in the last quarter of 2009 alone.
http://www.hhs.gov/news/press/2010pres/02/20100208c.html
And…
‘A Wasted Opportunity’
By Joseph Rago
Wall Street Journal
February 7, 2010
Mrs. (Angela) Braly is the CEO and president of WellPoint, the largest U.S. commercial health insurer by membership. Her company’s affiliated health plans in 14 states cover 34 million people—or roughly one out of nine Americans. It contracts with 82% of the nation’s primary-care physicians, 84% of specialists, and 94% of hospitals. That scale lands her on the most-wanted list in President Obama’s Washington.
The tragedy, as she sees it, is what “a wasted opportunity” it all turned out to be. “Health-care reform” soon became “health-insurance reform” exclusively. “It was a pivot that was—unfortunate,” she says, “because it is not going to solve the longer-term problem.”
The solution is to “reintroduce the consumer to the health-care equation,” and on that front, she believes, insurers “are actually the part of the health-care delivery system that is there to create the value.” Mrs. Braly thinks patients will make more cost-conscious decisions if they have the incentives and the tools—namely, the information about cost and quality that is the basis of any ordinary market.
Mrs. Braly concedes that some people with pre-existing conditions can find it difficult to find affordable coverage, especially if they lose their job, get divorced, move, etc. “It’s when people have no option that we’re really in trouble and need to find a solution,” she says. But a better alternative to central insurance planning is public-private partnerships to create insurance pools for those with high risks. “That was a great idea that got pushed aside, and I think we need to revisit that concept.”
http://online.wsj.com/article/SB10001424052748704259304575043861057904360.html?mod=rss_opinion_main
Comment:
By Don McCanne, MD
WellPoint’s California subsidiary, Anthem Blue Cross, has provoked appropriate outrage in response to its announcement of premium increases as high as 39 percent. Why would they risk creating this potential public relations nightmare when Congress is considering major increases in regulatory oversight of their industry?
Keep in mind that Anthem Blue Cross has been very successful in keeping its individual insurance products competitive by selling only to the healthy by subjecting applicants to medical underwriting. With the unabated rise in health care costs, the upward pressure on premiums has been moderated by introducing numerous innovations, especially increased cost sharing.
Currently the most important tool they have to limit their exposure to health care costs is to switch their clients to plans with high deductibles (often $5000 or more) and high coinsurance (typically 40% of all allowed costs over the deductible). You can confirm these numbers at eHealthInsurance.com.
By jacking premiums up to intolerable levels for low deductible and low coinsurance plans, they force their clients to choose these high cost sharing plans. Once enrollment drops in the low cost sharing plans, high cost individuals remain, driving premiums up even further resulting in the death spiral. At that time they can withdraw the low deductible plans from the market and require that their clients choose either the high cost sharing plans or drop their coverage altogether.
Another factor that has driven premiums up now is the high unemployment rate that has caused many individuals to drop their coverage, especially those who are relatively healthy, leaving in the plans those who try to hang on because of their greater health care needs. Of course, that adds to the death spiral.
Angela Braly, president, chairman, and CEO of WellPoint, supports greater patient cost sharing to “reintroduce the consumer to the health-care equation.” Patients will buy less health care, no matter how beneficial, when they are using their own money. That also happens to work out well for WellPoint since they will spend less on health care.
Angela Brady also wants those who need health care to be covered by public high-risk pools, while the healthy are covered by her private plans. That too allows WellPoint to spend less on health care, while we taxpayers foot the larger bills.
It would seem that the outrageous premium increases by Anthem Blue Cross would cause the administration to rethink a strategy of reform based on private insurance plans. But no. Instead HHS Secretary Kathleen Sebelius responds with a tisk, tisk, as Congress and the administration continue to move forward with locking us into this perverse system.
We need to respond with more than a tisk, tisk. We need to show up by the millions on February 25 (President Obama’s televised bipartisan health session) and demand the enactment of an improved Medicare for all of us.
What to Say to Those Who Think Single Payer Advocates Are Wacko
By Paul Hochfeld
CommonDreams.org
Monday, February 8, 2010
What do we say to our more conservative friends, who genuinely think that the Single Payer solution to our health care crisis would be a disaster? Try what follows. In the end, you may simply agree to disagree. That’s O.K., but what follows may give them pause to think.
Already, 60% of all our health care dollars come directly or indirectly (because employers insurance premiums are tax deductible) from the taxpayer. The care of our oldest neighbors are financed by Medicare, i.e. the taxpayers. The care of our disabled neighbors is financed by Medicaid. Ditto the care of our poorest neighbors who, because health follows wealth, are also at greater risk of high expense. Fourteen hundred insurance companies, at significant expense, stratify the rest of the population by “risk”. Their top-secret formula results in them covering the employed people, small groups, and individuals who can prove that they are at low risk. What about the others? When those who can’t afford the premiums get sick, go bankrupt, and can’t pay their bills, “we” all pay for it in higher charges. Furthermore, employer-paid premiums are tax deductible which means insurance company profits are subsidized by the taxpayer.
As near as I can tell, this is a big taxpayer rip-off. Additionally, our non-system is fraught with numerous perverse incentives that result in more care, but not necessarily better care. Physicians must share a significant part of the blame here, but that’s a different, though important, discussion. Addressing these perversities is problematic because we don’t have a Health Care System we have For-Profit Sick Care Non-System that, to extent that it has any design at all, is designed to serve the for-profit insurance and the pharmaceutical industries. Perverse incentives work for those who profit from them. They don’t work for patients or those who pay the bills, i.e., taxpayers.
Single payer means one risk pool. You’ve heard the slogan. Everyone in. Nobody out. We gather all the money that employers and individuals are currently paying for health care. It’s not more money. It’s the same money, already being spent on health care, but by pooling it, we can save 20% right off the top. Providers won’t have negotiate fee schedules with all the different payers. Providers will only have to send bills, electronically, to one place. Furthermore, substantial savings accrue as the system matures. When an ER Doctor in Oregon sees a patient passing through town, he will access her electronic medical record in Iowa, resulting in, not just less expensive care, but better care. None of this is going to be accomplished until we have Public Health Authorities administering a health care system with the goal of health, financed publicly and delivered privately.
This isn’t pie in the sky. Check out what the other developed countries are doing, but please don’t respond with anecdotes. We have 45,000 new anecdotes every year that illuminate how real or perceived financial barriers to timely, appropriate care cause unnecessary death.
The real question is whose “system” produces the least number of unnecessary deaths and the least suffering for the dollars being spent? Yes, other countries are struggling because of limited resources, but they are dealing with the problems maturely, they are making difficult decisions, and, by recognizing that health is a human right, they are getting a healthier population for less cost.
Is access to appropriate health care a human right? If not, we can agree to disagree. If so, it is a legitimate function of our government to make sure that nobody falls through the cracks. Also, doesn’t the government have a fiduciary responsibility to make sure the taxpayer is getting value for its health care dollars? Insurance company CEO’s have a fiduciary responsibility to maximize profits even if it means investing large sums of money in manipulating public policy… and that’s exactly what they’ve been doing. It’s unfathomable to me that some people distrust “The United States” more than United Health Care. That may be where we end up agreeing to disagree.
In any case, the taxpayer is being ripped off, big time.
Dr. Paul Hochfeld is an ER Doctor, producer of Health Money and Fear, and one of the Mad As Hell Doctors who traveled to DC last September. MadAsHellDoctors.com
Himmelstein, Woolhandler to CUNY
By Russell Mokhiber
Single Payer Action
February 8, 2010
Single payer activists David Himmelstein and Steffie Woolhandler are moving to New York City.
In the fall of 2010, they will become full professors at the City University of New York (CUNY) School of Public Health at Hunter College.
The two doctors – leaders in the movement for a single payer system in the United States – have lived and practiced in the Boston area since 1982.
Both currently teach at the Harvard Medical School.
They are co-founders of Physicians for a National Health Program.
The two single payer docs were in New York City this weekend looking for a place to live.
Both Himmelstein and Woolhandler have family in New York.
Himmelstein grew up in New York City and went to school there.
Himmelstein said that there were pushes and pulls in their decision to leave Boston and Harvard for New York and CUNY.
The pull included a “very attractive offer” from the City University where “we can do what we want and not have to worry about raising funds.”
CUNY is home to a number of public health activists – including the acting dean of the school – Kenneth Olden – and Professor Nick Freudenberg.
Why does Anthem Blue Cross need a 39% premium increase?
Anthem Blue Cross dramatically raising rates for Californians with individual health policies
By Duke Helfand
Los Angeles Times
February 4, 2010
California’s largest for-profit health insurer is moving to dramatically raise rates for customers with individual policies, setting off a furor among policyholders and prompting state insurance regulators to investigate.
Anthem Blue Cross is telling many of its approximately 800,000 customers who buy individual coverage — people not covered by group rates — that its prices will go up March 1 and may be adjusted “more frequently” than its typical yearly increases.
The insurer declined to say how high it is increasing rates. But brokers who sell these policies say they are fielding numerous calls from customers incensed over premium increases of 30% to 39%, saying they come on the heels of similar jumps last year.
Insurers are free to cherry-pick the healthiest customers in the lightly regulated individual market. They can raise rates at any time as long as they notify the state Department of Insurance and prove that they are spending at least 70% of premiums on medical care.
Many policyholders say the rate hikes are the largest they can remember, and they fear that subsequent premium growth will narrow their options — leaving them to buy policies with higher deductibles and less coverage or putting health insurance out of reach altogether.
The insurer said it had a team of workers to help customers balance costs and insurance.
“Anthem offers a variety of health benefit plans,” the company said, “and we are dedicated to working with our members to find health coverage plans that are the most appropriate and affordable for their needs.”
http://articles.latimes.com/2010/feb/04/business/la-fi-insure-anthem5-2010feb05
And…
Letter from Kathleen Sebelius, Secretary of Health and Human Services, to Leslie Margolin, President, Anthem Blue Cross
U.S. Department of Health & Human Services
February 8, 2010
Excerpt:
One of the biggest pressures facing families, businesses and governments at every level are skyrocketing health insurance costs. With so many families already affected by rising costs, I was very disturbed to learn through media accounts that Anthem Blue Cross plans to raise premiums for its California customers by as much as 39 percent. These extraordinary increases are up to 15 times faster than inflation and threaten to make health care unaffordable for hundreds of thousands of Californians, many of whom are already struggling to make ends meet in a difficult economy.
Your company’s strong financial position makes these rate increases even more difficult to understand. As you know, your parent company, WellPoint Incorporated, has seen its profits soar, earning $2.7 billion in the last quarter of 2009 alone.
http://www.hhs.gov/news/press/2010pres/02/20100208c.html
And…
‘A Wasted Opportunity’
By Joseph Rago
Wall Street Journal
February 7, 2010
Mrs. (Angela) Braly is the CEO and president of WellPoint, the largest U.S. commercial health insurer by membership. Her company’s affiliated health plans in 14 states cover 34 million people—or roughly one out of nine Americans. It contracts with 82% of the nation’s primary-care physicians, 84% of specialists, and 94% of hospitals. That scale lands her on the most-wanted list in President Obama’s Washington.
The tragedy, as she sees it, is what “a wasted opportunity” it all turned out to be. “Health-care reform” soon became “health-insurance reform” exclusively. “It was a pivot that was—unfortunate,” she says, “because it is not going to solve the longer-term problem.”
The solution is to “reintroduce the consumer to the health-care equation,” and on that front, she believes, insurers “are actually the part of the health-care delivery system that is there to create the value.” Mrs. Braly thinks patients will make more cost-conscious decisions if they have the incentives and the tools—namely, the information about cost and quality that is the basis of any ordinary market.
Mrs. Braly concedes that some people with pre-existing conditions can find it difficult to find affordable coverage, especially if they lose their job, get divorced, move, etc. “It’s when people have no option that we’re really in trouble and need to find a solution,” she says. But a better alternative to central insurance planning is public-private partnerships to create insurance pools for those with high risks. “That was a great idea that got pushed aside, and I think we need to revisit that concept.”
http://online.wsj.com/article/SB10001424052748704259304575043861057904360.html?mod=rss_opinion_main
WellPoint’s California subsidiary, Anthem Blue Cross, has provoked appropriate outrage in response to its announcement of premium increases as high as 39 percent. Why would they risk creating this potential public relations nightmare when Congress is considering major increases in regulatory oversight of their industry?
Keep in mind that Anthem Blue Cross has been very successful in keeping its individual insurance products competitive by selling only to the healthy by subjecting applicants to medical underwriting. With the unabated rise in health care costs, the upward pressure on premiums has been moderated by introducing numerous innovations, especially increased cost sharing.
Currently the most important tool they have to limit their exposure to health care costs is to switch their clients to plans with high deductibles (often $5000 or more) and high coinsurance (typically 40% of all allowed costs over the deductible). You can confirm these numbers at eHealthInsurance.com.
By jacking premiums up to intolerable levels for low deductible and low coinsurance plans, they force their clients to choose these high cost sharing plans. Once enrollment drops in the low cost sharing plans, high cost individuals remain, driving premiums up even further resulting in the death spiral. At that time they can withdraw the low deductible plans from the market and require that their clients choose either the high cost sharing plans or drop their coverage altogether.
Another factor that has driven premiums up now is the high unemployment rate that has caused many individuals to drop their coverage, especially those who are relatively healthy, leaving in the plans those who try to hang on because of their greater health care needs. Of course, that adds to the death spiral.
Angela Braly, president, chairman, and CEO of WellPoint, supports greater patient cost sharing to “reintroduce the consumer to the health-care equation.” Patients will buy less health care, no matter how beneficial, when they are using their own money. That also happens to work out well for WellPoint since they will spend less on health care.
Angela Brady also wants those who need health care to be covered by public high-risk pools, while the healthy are covered by her private plans. That too allows WellPoint to spend less on health care, while we taxpayers foot the larger bills.
It would seem that the outrageous premium increases by Anthem Blue Cross would cause the administration to rethink a strategy of reform based on private insurance plans. But no. Instead HHS Secretary Kathleen Sebelius responds with a tisk, tisk, as Congress and the administration continue to move forward with locking us into this perverse system.
We need to respond with more than a tisk, tisk. We need to show up by the millions on February 25 (President Obama’s televised bipartisan health session) and demand the enactment of an improved Medicare for all of us.
Canadian medical travel executive on Premier Williams' care in the U.S.
Newfoundland premier Williams out of ICU, recovering well from heart surgery
The Vancouver Sun
February 8, 2010
Premier Danny Williams, who had heart surgery at a U.S. hospital last week, is recovering very well from the operation, a spokeswoman said Monday.
Elizabeth Matthews said the Newfoundland and Labrador premier was released from intensive care on Friday and is expected to be discharged from hospital sometime this week.
Williams’ decision to have the surgery performed at an undisclosed U.S. hospital, because the procedure wasn’t available in his home province, touched off a mini-firestorm, with some critics in Canada and the United States pointing to it as proof of problems in Canada’s health-care system.
Last week, deputy premier Kathy Dunderdale said the criticism of Williams was unwarranted and an invasion of his privacy. She said the premier would address the issue after his return home.
And…
Danny Williams and the best health care in the world
By Mark Watson
The North Star National
February 7, 2010
Danny Williams, premier of Newfoundland and Labrador, Canada, underwent heart surgery in an undisclosed United States hospital on Thursday.
According to Deputy Premier Kathy Dunderdale, Williams received treatment from a “renowned expert in the procedure” that the premier needed.
Does Williams’s decision to travel to America for his heart surgery suggest that the procedure he needed was unavailable in Canada, or does it mean that the wait time required for getting the treatment was too long for him to survive before eligible for the procedure?
President Obama has extolled the virtues of the Canadian single-payer medical plan repeatedly in the past.
Perhaps this would be a good time for Obama and other Democratic leaders pushing hard to implement their so-called health care reform to rethink their plans.
If a Canadian-style single-payer system isn’t good enough for a Canadian premier, how long will it be until a universal medical coverage plan in America will not have sufficient resources for a member of Congress?
The fact that the Premier had to seek treatment outside his own country is an indictment of the Canadian health care system, nothing more, nothing less.
Response to Mark Watson by T. Rand Collins PhD MD
February 8, 2010
There is a great deal of sniping back and forth across the border from those who would use both systems’ problems for their own ends. Sadly, both systems are broken, but in different ways. America has excellent health care and world-class technology, but a significant part of the population cannot afford it. And another part of the population can just barely afford it, surrendering the equivalent of their mortgage each month just to be protected against a medical catastrophe. I talked in November to the owner of a clothing store in the Miami Trade Center, who told me that she was paying ~$2,000 per month for health care – and Mark Watson is knocking Obama’s efforts to make sure his people can go to the doctor?
Canadians are privileged to get complete care for a nominal cost. It may be slow, and it may have problems, but health care is a right, not a privilege.
I am, ironically, as Senior Vice President of International Health Care Providers, an Ontario-based medical travel firm, one of those who help Canadians find health care options in the US. But that doesn’t mean that I don’t believe in the Canadian system. Canada needs a private option, which is what the world’s most successful medical systems have – a combination of private AND public options for health care.
American arch-conservatives cry “Socialism” whenever government takes part in providing services or setting regulatory standards. Besides the fact that most Americans cannot define socialism (and more than a few can’t spell it), there are some things that are too important to be left to private interests whose primary interests lie in keep the shareholders happy.
Even a good concept like health care as a right for all can have times when those who manage it are short-sighted and unresponsive. Democracy was a good idea, but under Bush, who will go down in the books as the least competent president in the history of this country, freedom of speech and freedom from government spying were severely threatened.
I have dual citizenship in the US and Canada and have practiced medicine in both countries, and, were I pushed to choose, I would definitely opt for the Canadian system.
http://www.northstarnational.com/2010/02/07/4240/
International Health Care Providers
http://www.ihcproviders.com/ourteam.php
Comment:
By Don McCanne, MD
It is a relief to know that Premier Danny Williams (Newfoundland and Labrador) is doing well after his heart surgery here in the United States. This news is a refreshing and reassuring breather after having been inundated with the callous releases from right-wing extremists celebrating Premier Williams’ medical misfortune, used to both denigrate the Canadian health care system, and tout the quality of the U.S. system (for some).
The North Star National article by Mark Watson is but one of those insensitive and distorted reports and certainly would not be worth including as a Quote of the Day, except that it provoked the response of an executive of a Canadian medical travel firm who also happens to be a physician who has practiced in both the United States and Canada.
We do not agree with Dr. T. Rand Collins that Canada needs a “private option.” That would create a two-tiered system with even longer queues in the public sector. They simply need to continue moving forward with their ongoing efforts in queue management.
Considering that Dr. Collins’ firm is in the business of bypassing Canadian queues by arranging for care in the United States, his fundamental assessment of the systems of both nations is certainly noteworthy. As he says, “… were I pushed to choose, I would definitely opt for the Canadian system.”
Canadian medical travel executive on Premier Williams’ care in the U.S.
Newfoundland premier Williams out of ICU, recovering well from heart surgery
The Vancouver Sun
February 8, 2010
Premier Danny Williams, who had heart surgery at a U.S. hospital last week, is recovering very well from the operation, a spokeswoman said Monday.
Elizabeth Matthews said the Newfoundland and Labrador premier was released from intensive care on Friday and is expected to be discharged from hospital sometime this week.
Williams’ decision to have the surgery performed at an undisclosed U.S. hospital, because the procedure wasn’t available in his home province, touched off a mini-firestorm, with some critics in Canada and the United States pointing to it as proof of problems in Canada’s health-care system.
Last week, deputy premier Kathy Dunderdale said the criticism of Williams was unwarranted and an invasion of his privacy. She said the premier would address the issue after his return home.
And…
Danny Williams and the best health care in the world
By Mark Watson
The North Star National
February 7, 2010
Danny Williams, premier of Newfoundland and Labrador, Canada, underwent heart surgery in an undisclosed United States hospital on Thursday.
According to Deputy Premier Kathy Dunderdale, Williams received treatment from a “renowned expert in the procedure” that the premier needed.
Does Williams’s decision to travel to America for his heart surgery suggest that the procedure he needed was unavailable in Canada, or does it mean that the wait time required for getting the treatment was too long for him to survive before eligible for the procedure?
President Obama has extolled the virtues of the Canadian single-payer medical plan repeatedly in the past.
Perhaps this would be a good time for Obama and other Democratic leaders pushing hard to implement their so-called health care reform to rethink their plans.
If a Canadian-style single-payer system isn’t good enough for a Canadian premier, how long will it be until a universal medical coverage plan in America will not have sufficient resources for a member of Congress?
The fact that the Premier had to seek treatment outside his own country is an indictment of the Canadian health care system, nothing more, nothing less.
Response to Mark Watson by T. Rand Collins PhD MD
February 8, 2010
There is a great deal of sniping back and forth across the border from those who would use both systems’ problems for their own ends. Sadly, both systems are broken, but in different ways. America has excellent health care and world-class technology, but a significant part of the population cannot afford it. And another part of the population can just barely afford it, surrendering the equivalent of their mortgage each month just to be protected against a medical catastrophe. I talked in November to the owner of a clothing store in the Miami Trade Center, who told me that she was paying ~$2,000 per month for health care – and Mark Watson is knocking Obama’s efforts to make sure his people can go to the doctor?
Canadians are privileged to get complete care for a nominal cost. It may be slow, and it may have problems, but health care is a right, not a privilege.
I am, ironically, as Senior Vice President of International Health Care Providers, an Ontario-based medical travel firm, one of those who help Canadians find health care options in the US. But that doesn’t mean that I don’t believe in the Canadian system. Canada needs a private option, which is what the world’s most successful medical systems have – a combination of private AND public options for health care.
American arch-conservatives cry “Socialism” whenever government takes part in providing services or setting regulatory standards. Besides the fact that most Americans cannot define socialism (and more than a few can’t spell it), there are some things that are too important to be left to private interests whose primary interests lie in keep the shareholders happy.
Even a good concept like health care as a right for all can have times when those who manage it are short-sighted and unresponsive. Democracy was a good idea, but under Bush, who will go down in the books as the least competent president in the history of this country, freedom of speech and freedom from government spying were severely threatened.
I have dual citizenship in the US and Canada and have practiced medicine in both countries, and, were I pushed to choose, I would definitely opt for the Canadian system.
http://www.northstarnational.com/2010/02/07/4240/
International Health Care Providers
http://www.ihcproviders.com/ourteam.php
Comment:
By Don McCanne, MD
It is a relief to know that Premier Danny Williams (Newfoundland and Labrador) is doing well after his heart surgery here in the United States. This news is a refreshing and reassuring breather after having been inundated with the callous releases from right-wing extremists celebrating Premier Williams’ medical misfortune, used to both denigrate the Canadian health care system, and tout the quality of the U.S. system (for some).
The North Star National article by Mark Watson is but one of those insensitive and distorted reports and certainly would not be worth including as a Quote of the Day, except that it provoked the response of an executive of a Canadian medical travel firm who also happens to be a physician who has practiced in both the United States and Canada.
We do not agree with Dr. T. Rand Collins that Canada needs a “private option.” That would create a two-tiered system with even longer queues in the public sector. They simply need to continue moving forward with their ongoing efforts in queue management.
Considering that Dr. Collins’ firm is in the business of bypassing Canadian queues by arranging for care in the United States, his fundamental assessment of the systems of both nations is certainly noteworthy. As he says, “… were I pushed to choose, I would definitely opt for the Canadian system.”