How safe is the coronavirus vaccine? Dr. Rob Davidson weighs in.

The Unmasked Truth with Dr. Rob Davidson

By Brenda Gazzar
Code Wack Podcast, December 28, 2020

Featuring Dr. Rob Davidson, practicing emergency room doctor and head of Committee to Protect Medicare. Why is it that an advanced nation like the U.S. has experienced over 2 million COVID-19 infections?  How have factors like the lack of a coordinated federal response and an inadequate health insurance system contributed to our national health tragedy? Host Brenda Gazzar and Dr. Rob Davidson discuss how wearing masks and getting vaccinated would save countless American lives.


Transcript

(10-second music) 

Welcome to Code WACK!, your podcast on America’s broken healthcare system and how Medicare for All could help. I’m your host, Brenda Gazzar. 

What will it take to stop this unparalleled coronavirus surge in America in 2021? I recently spoke with Dr. Rob Davidson, an ER physician and head of the Committee to Protect Medicare, to get his take on the matter.

So, thank you Dr. Rob Davidson for joining us today on Code WACK! You volunteer as the executive director of the Committee to Protect Medicare, and you also work as an emergency room doctor in rural West Michigan. What are you seeing and experiencing in the ER amid this unprecedented coronavirus pandemic?

Dr. Rob: Well, over the last six to eight weeks I would say, we’ve just seen – like a lot of places in this country – significant numbers of patients with symptoms of COVID-19, significant numbers of sick patients, particularly on their second or third visit after about a week or so, and particularly those people in high risk groups, older people, people with pre-existing conditions are getting hospitalized at unprecedented numbers. And we’re a small rural hospital, a critical access hospital, essentially a minimal number of inpatient beds, ICU beds, and we are frequently running close to capacity, you know, maybe for a day or two at a time here and there a couple times a month. This has just been six straight weeks of every single day of being either at capacity or sometimes beyond capacity — holding people in the ER for multiple hours on end waiting for beds.

And then also end up transferring people around west Michigan to other similar hospitals who might happen to have a bed or to larger tertiary care hospitals who are also experiencing these massive surges. Yeah, I mean it’s just been very sustained,  unprecedented and at some point, the system might not make it. We need a break.

U.S. coronavirus cases and deaths per million people are among the highest in the world. Why do you think this is?

Dr. Rob: Well,  I think it’s certainly multifactorial. I think a lack of a coordinated federal response and in fact, a sort of disinformation campaign from the federal government,  particularly from the (U.S.) president has contributed greatly. I think, particularly in areas where I live. We’re in a very heavy, Republican Trump area. A lot of people still don’t wear masks. People try to tell me that masks cause harm. People have tried to tell me “this is just the flu, that this is no big deal.”

I had a patient who came in the other day who told me she believed that until a neighbor on either side of her at her senior apartment complex died of COVID-19, and she came in sort of as a convert, saying “ okay I get it. This thing is a lot bigger deal than we thought.”

I think that’s part of it. I certainly think that our system in this country of administering health care has contributed to it. I think the many tens of millions without insurance, the 100 million or so who are underinsured, who perhaps at early phases of illness could get treatment now that we have some treatments available, or even people who are getting extremely sick, but waiting it out at home because they don’t want to come in and incur a huge deductible. Or even people with quote-on-quote “good insurance” incur a copay of $250 or $500 just to come to the hospital, only to be told they’re okay, and there’s nothing we could do for them, except cautiously waiting.

I think that all together has contributed to the crazy numbers that we’re seeing here, and will continue to do so unfortunately, until we hopefully get some leadership that can steer us a little better and then hopefully this vaccine has a significant impact over the next six to eight months.

We’re in the midst of an explosive surge right now, as we know. More than 315,000 Americans have died after contracting the virus. What do you think will be essential in stopping its spread?

Dr. Rob: Listen, I think the basics are the most important thing still so if we can somehow convince that third to 40% of the population who doesn’t think masks are important that they are, I think that would be huge. I think if people would simply wear masks when they’re around people not in their direct household or when they’re anywhere indoors with anyone that isn’t in their immediate household, that can help. I think people limiting activity.

I think continuing, unfortunately in some places, in my state this is the case, to keep indoor dining closed but then provide support from the state and/or federal government so that these restaurants and the employees of these restaurants can remain whole, can do their part to help fight the pandemic. I think all of that will have a significant impact and then of course I think widespread delivery of the multiple, coronavirus vaccines that are now coming to market that are now being distributed and injected. I think that will, hopefully, in 6-8 months time get us to that point. Unfortunately we still have 6 to 8 months until most people in this country will have access to the vaccine. So, we still have a lot of the basic public health work to do.

Tell me briefly about the Committee to Protect (Medicare), which you lead. What is it about and what drew you to the organization?

Dr. Rob: So, we’re an organization of doctors across the country.  I believe now in 42 states, we have people actively participating.  Essentially, our overall goal is, as physicians, to elevate voices of other physicians, as advocates for our patients, for affordable health care. It’s as simple as that. Now, the name Committee to Protect Medicare — absolutely,  we believe Medicare is essential, and certainly, there are forces out there that are trying to privatize Medicare through Medicare Advantage plans. But we really want to defend the health care people have currently and expand on that, and expand into more means of affordable health care, including our ultimate goal of a Medicare for All system.

Thank you, Dr. Rob.

Find more Code WACK! episodes on ProgressiveVoices.com and on the PV app. Catch all our episodes by subscribing to Code WACK! wherever you find your podcasts. This podcast is powered by HEAL California, uplifting the voices of those fighting for healthcare reform around the country.

https://heal-ca.org…

Medicare-for-all would end surprise medical billing

By Ken Lefkowitz
The Washington Post, Letters, December 25, 2020

Regarding the Dec. 22 news article “Congress cuts deal to prevent unexpected medical bills”:

Banning surprise medical billing is praiseworthy. However, it’s much like patching a hole in a worn-out tire that’s leaking in many other places.

The ban makes surprise bills illegal. Instead, health-care providers must negotiate payment with insurers or use arbitration to settle the amount. This relieves the consumer from the burden of payment, but it will increase administrative costs for doctors, hospitals and insurance companies. Because health care operates within the broken free-market framework, these costs will be passed on to the consumer through higher premiums, deductibles and/or co-pays.

Medicare-for-all can solve this, as well as many other health coverage issues, because all residents’ health care would be covered with no co-pays and deductibles. This surely would address the surprise billing issue.

Equally important, overall Medicare-for-all would save money and control costs in the future. Three major studies, one by the University of Massachusetts, another published in the Lancet and another appearing in the Annals of Internal Medicine, have estimated annual savings on health-care spending of about $500 billion.

The writer is a former director of compensation and benefits for major corporations and a member of Physicians for a National Health Program.

https://www.washingtonpost.com…

Congress bashes private insurers’ antitrust exemption

Senate Approves Repeal of Health Insurers' Antitrust Exemption

By Allison Bell
ThinkAdvisor, December 22, 2020

Members of the U.S. Senate approved H.R. 1418, a bill that would repeal a partial antitrust exemption for health insurers, and for dental insurers, by a voice vote Tuesday.

The House approved an identical version of the “Competitive Health Insurance Reform Act of 2020″ bill by a voice vote Sept. 21.

Congress is now sending the bill to the desk of President Donald Trump.

H.R. 1418 would change part of the McCarran-Ferguson Act of 1945, a law that establishes the framework for how the federal government shares oversight of insurance with state insurance regulators. One section exempts insurers from federal antitrust oversight under the Sherman Act.

H.R. 1418 would add a section that states that, “Nothing contained in this act shall modify, impair, or supersede the operation of any of the antitrust laws with respect to the business of health insurance (including the business of dental insurance and limited-scope dental benefits).”

Sen. Patrick Leahy, D-Vt., introduced the bill in the Senate together with Sen. Matt Daines, R-Mont. Reps. Peter DeFazio, D-Ore., and Paul Gosar, R-Ariz., introduced the bill in the House.

Health insurers, the National Association of Insurance Commissioners and the National Council of Insurance Legislators have been defending health insurers’ exemption from federal antitrust regulation for decades.

Matt Eyles, president of America’s Health Insurance Plans (AHIP), said in a statement about passage of H.R. 1418 that implementation of the bill would add layers of bureaucracy to health insurers and destabilize markets.

“Removal of this exemption adds tremendous administrative costs while delivering absolutely no value for patients and consumers,” Eyles said.

Consumer Reports put out a commentary welcoming passage of H.R. 1418.

“The antitrust exemption has essentially allowed health insurers to act as a monopoly, making demands in lockstep on the terms they will offer consumers and health care providers,” the advocacy organization said in a comment on bill passage. “The resulting squeeze puts pressure on providers to cut corners on service in order to increase the profits the health insurers can extract.”

https://www.thinkadvisor.com…

H.R. 1418 – Competitive Health Insurance Reform Act of 2020:
https://www.congress.gov…


Comment:

By Don McCanne, M.D.

This little discussed measure passed the Senate by unanimous consent in the wee hours of the morning of December 22 and has been forwarded to President Trump for his signature. It may have historical significance.

In the 1940s, when health insurance was rapidly expanding as an employee benefit, Congress temporarily exempted health insurers from the federal McCarran-Ferguson antitrust laws, except that temporary exemption was never reversed. Efforts to do so have not met with success likely due to Congress’ very cozy relationship with the private insurance industry (check campaign donations for confirmation).

AHIP’s Matt Eyles, who represents the industry that has been responsible for hundreds of billions of dollars in their own administrative waste plus the administrative burden they have placed on the health care delivery system, seems to have suddenly become enlightened to the fact that administrative costs deliver “absolutely no value for patients and consumers.” He said that implementation of this bill would add layers of bureaucracy to health insurers and destabilize markets.

But there is a reason for antitrust laws and that is to prevent abusive monopolistic practices – practices that help explain why health insurance premiums are so high when their innovative products are designed to impair access to health care (high deductibles, narrow networks, benefit exclusions, etc.). The COVID pandemic is demonstrating how well the monopolies are working for the insurance industry considering their record profits while patients are being deprived of health care that they need.

Let’s hope that this bipartisan unanimous consent action in the wee hours of the morning represents the future relationship between the private insurers and Congress. Now that Congress acknowledges the industry for what it is, maybe they will be ready to take the next step. Throw out the private insurers and enact and implement our own single payer improved Medicare for All.

If nothing else, those supporting state efforts for single payer should jump at this opportunity to work with Congress to free up federal barriers to state single payer legislation. It seems like members of Congress may be ready to show the private insurers the door.

Hopefully this is a new day for health care justice in America.

Stay informed! Visit www.pnhp.org/qotd to sign up for daily email updates.

Lower socioeconomic status results in poorer quality insurance choices

The Social Determinants of Choice Quality: Evidence from Health Insurance in the Netherlands; NBER Working Paper No. 27785

By Benjamin R. Handel, Jonathan T. Kolstad, Thomas Minten, and Johannes Spinnewijn
National Bureau of Economic Research, September 2020

Abstract

Market provision of impure public goods such as insurance retirement savings and education is common and growing as policy makers seek to offer more choice and gain efficiencies. This approach induces an important trade-off between improved surplus from matching individuals to products and misallocation due to well documented choice errors in these markets. We study this trade-off in the health insurance market in the Netherlands, with a specific focus on misallocation and inequality. We characterize choice quality as a function of predicted health risk and leverage rich administrative data to study how it depends on individual human capital, socioeconomic status and social and information networks. We find that choice quality is low on average, with many people foregoing options that deliver substantive value. We also find a strong choice quality gradient with respect to key socioeconomic variables. Individuals with higher education levels and more analytic degrees or professions make markedly better decisions. Social influence on choices further increases inequality in decision making. Using panel variation in exposure to peers we find strong within firm, location and family impacts on choice quality. Finally, we use our estimates to model the consumer surplus effects of different counterfactual scenarios. While smart default policies could improve welfare substantially, including the choice of a high-deductible option delivers little welfare gain, especially for low-income individuals who make lower quality choices and are in worse health.

https://www.nber.org…


Comment:

By Don McCanne, M.D.

Advocates of consumer-directed health care often cite the Netherlands as having a model that we should consider for the United States. They have a regulated private insurance managed competition model with a mandate for all individuals to purchase coverage. Insurers compete in the marketplace for consumers on premiums, provider choice, and supplementary insurance. A minimum compulsory deductible is required with an option of varying higher levels of voluntary deductibles.

Although this study is quite complex, important conclusions are: 1) low-income individuals are in poorer health and make lower quality choices in their insurance products, 2) individuals with higher education and socioeconomic status make better choices, and 3) offering a high-deductible option provides little welfare gain, especially for low-income individuals.

Regarding deductibles, many studies have shown that, for lower-income individuals, they create financial barriers to beneficial health care services and they often cause financial hardship for those who must access health care. Higher income individuals who are in good health and can reasonably be expected to remain so, can benefit financially by selecting higher-deductible plans, but that does not benefit society since their premium contributions to the collective insurance risk pools is regressive – the wealthy pay lower premiums than the poor (though if funded through the tax system instead of individual premiums payments can be made progressive by design).

Although market enthusiasts may contend that the welfare benefit of choosing plans from the private marketplace benefits the purchaser, this study shows that only those of higher socioeconomic status are benefited whereas it is detrimental for both the finances and the health of those with a lower socioeconomic status. Enthoven’s managed competition, as they have in the Netherlands, is a terrible model for a universal health care financing system.

Besides, what is this American obsession with marketing different plan designs? What we need is one plan design that offers all essential services to everyone. We can fund that equitably through progressive taxes that would be affordable for each individual. We can and should eliminate insurance gimmicks that define different plans in the marketplace – gimmicks such as taking away choices of physicians and hospitals by limiting coverage to networks, impairing access by financial barriers including deductibles, copays, and coinsurance, or by stripping coverage of beneficial services thus creating bare bones plans. None of those benefit the patient, only the insurer.

The bottom line? As always, we need to enact and implement a well designed, single payer improved Medicare for All – quality, comprehensive, affordable care for everyone.

Stay informed! Visit www.pnhp.org/qotd to sign up for daily email updates.

PNHP’s Dr. Susan Rogers: Stop blaming patients and start asking questions

By Brenda Gazzar
Code Wack Podcast, December 21, 2020

Featuring Dr. Susan Rogers, new president of Physicians for a National Health Program. Dr. Rogers is recently retired from Stroger Hospital of Cook County, Illinois, but continues as a volunteer attending hospitalist and internist there. She is an Assistant Professor of Medicine at Rush University, where she is an active member of the Committee of Admissions. She is a Fellow of the American College of Physicians and a member of the National Medical Association.

Why did a man in his 20s die from a totally treatable disease?  How do social determinants affect patients’ ability to get to doctors appointments or buy prescribed medicines? Host Brenda Gazzar and Dr. Susan Rogers, new president of Physicians for a National Health Program, discuss how essential it is to acknowledge the role inequities play in health care and to stop blaming patients.


Transcript

(10-second Talk back music)

Welcome to Code WACK!, your podcast on America’s broken healthcare system and how Medicare for All could help. I’m your host, Brenda Gazzar. 

Dr. Susan Rogers is the new president of Physicians for a National Health Program. She spent much of her career at public hospitals in Chicago in order to treat African American patients, many of whom faced economic hardships and systemic racism. Her experiences solidified her view that Medicare for All is an important step in the battle for healthcare equity in America. 

(5-second stinger music)

Some of Dr Susan Rogers’ most rewarding relationships have been with her patients at a primary care clinic at Cook County Hospital, a public hospital in Chicago. That hospital was later replaced by the John H. Stroger, Jr. (pronounced Stro-jer)  Hospital of Cook County. One of her most memorable patients was a Tuskegee Airman, among the first African American military aviators in the U.S. Armed Forces.

(sound of airplane flying overhead)

Rogers: He kind of reminded me of my father… and he was a remarkable man and what he had gone through after, you know, the war. He had a difficult time because the GI Bill did not reward Black GIs at all. They could not get the mortgages. They could not get the training programs. He was a Tuskegee Airman, but none of those airmen were allowed to get into the commercial aviation system at the time so his struggle, after that. …Even after I left the clinic, he would still call me every Christmas.

(sound of telephone ring)

It was sad because I knew that one day he wasn’t going to call me because he was close to 90 at that point. And one day, I didn’t get the call and I called his wife and so she told me. That’s why I did that, I knew I was making a difference. I wasn’t just treating hypertension because the books said give this medicine. It was a very personal journey.

Dr. Rogers treated another patient whom she vividly remembers today because of what she learned from her story. The patient was a young woman who had diabetes and was overweight.

Rogers: She drank probably two or three liters of pop a day. That was of Coke.

(sound of soda pop fizzing)

So it was the caffeine, it was the sugar, it was all that. Of course, her diabetes was not controlled. And it was very frustrating, trying to take care of her, because she always came in with high blood sugars. And she would say, “I know I have to stop drinking all that pop and this and that but what else can I do?”

And I became just very frustrated and I didn’t know how to deal with that because I felt like I wasn’t the right doctor for her because I couldn’t figure this out. I couldn’t get her to change. And then it took me a while to understand that this was probably the only enjoyment in life she got — was from drinking this Coke. And when you think about it, that’s very sad that her life was such that this was, you know, how she survived. This is what helped her survive…Sometimes it’s drugs, it’s drug abuse and alcohol that help people survive. Sometimes, it’s something that looks so benign like a 2-liter bottle of Coke.

It became clear to Dr. Rogers that our healthcare system often doesn’t accommodate patients’ individual needs. She once heard from a chief resident about the case of a young man who had inflammatory bowel disease, which can be incapacitating but is treatable with intensive treatment and follow-up.

Rogers: He ended up not following up with appointments and not coming in for medications. And some of the medicines were IV, and all this, and he ended up dying before he was 25 from a totally, totally treatable disease. And he had access to that at county, but because of the life that he was living…What she found out, the chief resident as she looked into this because he had missed appointments, it turned out that his sister had died and he became the guardian of a 3-year-old. So this is a young man in his early 20s, who isn’t really working, who now has a 3-year-old, with a medical problem that requires intensive treatment that he wasn’t able to access because of this other part of his life.

To me, that was so incredibly sad and nobody knew about it because everybody just (thought) “well, he just misses appointments. He doesn’t care. He doesn’t take his medicine because he doesn’t care.” And I’ve always said patients do care. It just might not be a priority because of what’s happening in their life and other things and if you don’t ask about that, you’ll never know.

But that was a tragic story that never, ever should have happened…Everything that could go wrong went wrong. You know, there’s millions of stories like that and yet he was blamed for not making appointments and for not taking his medicine. I saw those stories and that’s what kept me there.

While clerkship director for medical students on rotation, she worked to educate students about how the conditions of patients’ environments affected their medical outcomes.

Rogers: Many white students have no idea. You know, their frame of reference is totally different. Why aren’t they taking their medicine? Well, you know, I’ve yet to find a patient who chose to be short of breath rather than take their medicine. So there’s reasons why people don’t… so teaching them about the social determinants of health, and for them to see firsthand how this impacts health outcomes. People aren’t able to pay the copay for their medicine, they’re not able to get to the pharmacy to get their medicine for whatever reason, there are a variety of reasons,  diabetics can’t eat right because there’s no grocery store in their neighborhood. You know. What is labeled fast food swamps, that’s what’s there. It’s a grocery desert but a fast-food swamp.

And so, to see these impacts firsthand, you see the inequities that are there. And again, it goes back to life. Many people have no choices in their lives.

Another issue is that pain is often undertreated in Black patients. They’re not given prescriptions for opioids to control their pain at the same rate as white patients. As a result, Black patients weren’t affected by the Opioid crisis like white patients — and many pharmacies in Black neighborhoods didn’t stock morphine or other painkillers.

Rogers: So if you ran out, you may not be able to get it that day, and cancer pain is incapacitating. So there are a lot of those other issues that people in other neighborhoods don’t even think about.

Helping such patients is largely why Dr. Rogers is involved today in the fight for single payer healthcare in America. In fact, when she started her training at Cook County in 1979, the hospital functioned almost like a single-payer, Medicare for All system, she said. 

Rogers: We never asked about money. I don’t even know if you came in with a million dollars in your pocket for you to be able to pay for anything, because there wasn’t a cashier. We were funded by the county but when you saw somebody, you decided what they needed, what medicine they needed. The medicine was free. There weren’t even copays when I started there. If you needed your gallbladder out, you got your gallbladder out. It wasn’t a question of whether your insurance would cover it.

There were some downsides to it because It was underfunded and we were overwhelmed with volume but we had phenomenal physicians there and being in the department of medicine, there were a lot of like-minded physicians, who were there for similar reasons. They wanted to take care of this patient population. That’s where I first heard about single payer and the PNHP.

But with time, the county hospital’s financing changed, complicating patient access and care. Dr. Rogers retired from Stroger Hospital of Cook County in 2014 but continues as a volunteer attending hospitalist and internist there.

Rogers: We have now started with Medicaid and managed Medicaid, which has networks, and there are barriers to getting care because of those networks….Before, if a doctor took Medicaid you could go, but now you have to have a doctor that not just takes Medicaid, but also is in your network. And then there’s a lot of specialists who will not see Medicaid because the reimbursement is so low. So a lot of the patients that we see now are not able to get some of the care that they needed.

Dr. Rogers believes that Medicare for All would improve healthcare access for all. But she notes it will take more than that to tackle socio-economic inequities.

Rogers: It’s not a panacea. It’s not going to solve the problem but at least it can help address the problem of access. But the stewards of the system have to make sure that the structure does not succumb to the mechanisms that contribute to continuing structural racism.

So right now we have a system (whereby)  no one wants to treat poor people because you don’t make any money, and that’s the whole point of health insurance to make money. And it’s not just health insurance. You’ve got these hospital corporations. Here in Chicago, there’s a hospital, Mercy Hospital, on the south side that is part of a huge hospital group that is sitting on billions of dollars in endowment. But this hospital’s going to close because their payer mix is mostly Medicare and Medicaid. It’s not a lot of private insurance, so they’re not bringing in enough money. And so that’s going to leave this area as a hospital desert. Where are people going to go? There’s no obstetrical or prenatal care in this area if that hospital closes. Going 15 miles for a routine visit may not be a problem but if you’re in labor, that’s a big problem.

That is a big problem. Thank you Dr. Susan Rogers, president of Physicians for a National Health Program.

Find more Code WACK! episodes on ProgressiveVoices.com and on the PV app. You can also subscribe to Code WACK! wherever you find your podcasts. This podcast is powered by HEAL California, uplifting the voices of those fighting for healthcare reform around the country.

https://heal-ca.org…