Health Care Reform-What They Should Have Done

Well, they went and did it-passed "Health Care Reform." This new law will increase costs and does absolutely nothing to improve health. What should have been done? Here is my proposal:

Using basic economic principles (supply and demand)and understanding that health insurance was never intended to pay for routine care; the following makes sense.

Every person in the U.S. is issued a Health Savings Card (HSC) with a $5000 value. People would contribute pre-tax dollars into their accounts. Lower income people would get govt. grants to fill their accounts (in lieu of tax credits)based on a sliding scale on ability to contribute. This money would be used for routine care and can be used for any health related expense. Any money not used by the end of the year would be transferred to a retirement savings account (interest bearing).

Health insurance would only be for catastrophic illness/injury and would have a $5000 deductible (covered by your HSC). Once you have used up your HSC, the insurance would kick in.

This simple plan reduces costs in several ways. People have control of their health care spending and an incentive to spend wisely. Since they are basically paying with cash, administrative costs for providers will go down. Getting paid at the time of service versus submitting a claim and hoping it gets paid is a no-brainer for doctors. They can lower their costs to the consumer.

By allowing all licensed health care providers to be paid by the HSC, you now have increased the number of providers (increased supply) which also increases competition for your health care dollars. More competition means lower cost.

Other side benefits of this plan include; supplementing retirement (Social Security), reduced health care student loan defaults, and better health education. Since people will have control over their own spending, they will become more educated on staying healthy (prevention) and not waste their own dollars on unnecessary or ineffective treatments.

If you have questions or want more details, leave a comment below.

The Nightmare Begins-No Cure for Health Care

It is truly amazing that 60 U.S. Senators could support a 2000+ page bill that the vast majority of the population does not want, and haven't even read. Pressure from their leaders and "Pay Backs" should not be the sole reason for passing any legislation.

Hopefully, when this bill goes to conference it will be killed or at least stalled until the November elections. The constitutionality of this bill will/should be tested and hopefully stricken down.

Why is this such a bad bill? As I posted previously, this Health Care Reform Bill does nothing to promote health, reduce costs or improve our system in any way.

The tax and "Mandatory" purchase of insurance will drive the economy even further into recession. Health care will become more expensive and harder to get. Demand will rise (30,000,000+ new consumers) and supply will decrease (up to 30% of current doctors will quit practice or retire early). We are currently in a primary care shortage. Adding 30 million new consumers alone will overrun the system. Over worked Primary Care Providers (PCP's) will be worked even harder to meet the demand. I don't know about you, but when it comes to my health care, I want a doctor that is fresh, well rested, happy and well paid!

Since there will most likely be a public option in this reform, expect insurance companies to go out of business, as they cannot compete against the government. Public plans will most likely be based on a Medicare model which means a drastic cut in doctor and hospital income. Working 60-80 hours per week for a wage less than most factory workers, with potential malpractice liability and student loans pushing $200,000; why would anyone do this?

If doctors can opt out of the program, i.e. not accept insurance and treat patients on a strictly cash basis, many of the top physicians will probably do this. But now you have a situation in which only the "rich" can afford quality care, leaving the poor and middle class depending on the over-worked, under-paid insurance doctors for care.

So, once again, in the infinite wisdom of our federal government, trying to help the poor and uninsured, we may in fact be making the problem worse and increasing costs at the same time.

If you have any questions or comments, please leave below or send me an e-mail directly newcaredoc@aol.com

Slippery Slope

The long arm of government intrusion in our lives, especially health care, keeps getting longer. In New York, health care workers are REQUIRED to get the flu shot or lose their jobs. They have no choice, rights stripped away! Health officials now have authority to quarantine and force vaccination in case of an outbreak. There are no specific definitions of an "outbreak."

But what really bothers me is the recent conviction of a couple in the Wausau area for reckless homicide of their 11 year old daughter. The girl had undiagnosed diabetes and the parents chose to treat her with prayer. The girl died and the parents were prosecuted for neglecting their child.

Reports state the illness is very treatable, thus the dilemma.

While I do not agree the parents made the right choice in type of treatment, but who am I to dictate what treatment these parents must choose. Or anyone else (especially the government) for that matter. It is unfortunate that the child died, but should the parents have been prosecuted?

I say no. And here is why:

The parents in this case did not ignore their child. They chose to actively treat her with prayer. The treatment failed. Had these parents gone the conventional path and treated her with medicine, and the child had a reaction and died, would they be prosecuted as well? Of course not. But why the double standard? If a medical treatment causes a death, the provider can be sued for malpractice, but no one would charge the parent with reckless behavior.

The underlying problem is medical treatment is being sanctioned as the only treatment acceptable for illness. If you don't get treated medically, and death occurs, you will be prosecuted for not using "State Approved" care. (Minnesota boy with leukemia being forced to undergo chemotherapy)

While the death of this child is tragic, the loss of personal freedom to choose the type of health care best for you is more tragic. These parents chose poorly, but not criminally. What is criminal is forced vaccination, giving mercury laced flu shots to pregnant mothers, and preventing truthful information on natural and alternative treatments to be given to the public.

A one year old recently died following a flu shot. The child had seizures after getting the 6 month vaccines, and died after getting the flu shot. Are these parents going to be convicted of reckless homicide for killing their child? They knew the child had a poor reaction to vaccines in the past, yet their child was injected again (against their wishes) and died. Since it was a medical procedure that failed, it is just a tragedy. Besides, the official report will claim it was just a coincidence anyway.

Don't give up your rights! Support freedom of choice in health care. Remember, the number one cause of preventable death in the U.S. is not cancer or heart disease, it is medicine (errors, prescription drug interactions, surgery...). Medicine kills over 250,000 people every year!