Healthcare Costs – The FIX!

Ann Coulter recently wrote an article in which she claims that malpractice insurance and claims are the primary driver’s of our sky-rocketing healthcare costs… Really?  Because actually, the numbers bely this claim. Malpractice insurance rates typically run between $5000 and $30,000 depending on the medical practice, orthopedics on the high end, and GP’s on the low end which coincides with their revenue generation. Many states now have caps on economic hardship payouts, and the average claim is now about $190,000 with approximately 18,000 claims per year. The numbers don’t support the claim.

So what are the reasons? Why have we spiraled completely out of control?

Numerous factors enter. 1) Over treating is a significant culprit. Over treating and over – prescribing generate additional revenue for the physician, the hospital, the blood work, the radiologist, the nurse, the reader of scans, etc… until soon, a simple exam that should have been $35 is $3500 when everyone gets their fair share.

Moreover, these treatments can be controlled by you and I by just saying – no. It’s kind of like how many guys are needed to screw in a light bulb scenario? Because in the medical field, the answer might be three to ten – depending on how tight you want the bulb.

For example, even a simple blood work panel requires the clinic, the lab, and your physician to be paid in order to be told – everything looks normal. Or how about the ‘follow-up’ visit when you have no issues after a procedure?   Why am I required to have my eyes checked annually when they haven’t changed in twenty five years?

Why does the hospital or clinic charge $100 for a single pill that sells for $1 at Walgreens?   Why do children have to get a chicken pox vaccine when it’s not life threatening and most everyone over the age of 20 got through it just fine? My grandbaby just got two doses of the flu vaccine at seven months?   What??   One surgery can wrack up twenty different bills?

When comparing the cost of procedures in the US verses just about anywhere else, the US is considerably higher. A part of that account is due to a US phenomena; fee for service which encourages the multi- layering of services and the ten guys/gals to administer an injection. Other countries mitigate this through a ‘flat rate’ system, one fee, one bill, end of discussion. Much like a flat rate tax system – no pain.

By contrast, Rand Paul’s overhaul claims that if individuals are allowed to create associations, this would drive down healthcare costs and eliminate the pre-existing issue. Unfortunately, this is only half true.

There already are associations, Medi-Share is one of the largest that is accepted as a substitute for Obamacare, although it is not labeled ‘insurance’. While premiums are significantly lower, their pre-existing mandate is three years. Any medical issue within the past three years is not covered.

What this reveals is that sick people are the cause of increased rates. Medi-Share encourages health – not sickness and not unnecessary medications or procedures. Because they are Christian they also have in place caveats, they don’t cover abortions or related medical expenses, alcoholism, drug treatment, rehab, etc…   This particular association is only for Christians, any association can create their own mandates. But nobody else is even attempting this route despite the fact that it is available!

Medi-Share has proven that it works. Insurance premiums are roughly half and deductibles are roughly a fourth of traditional maximum out of pocket dollars charged by traditional insurance companies.

So, now you are left with the pre-existing population, training doctors to heal instead of medicate, and weaning patients off of unnecessary procedures could radically diminish these costs. For example diabetes, a growing epidemic, can be suppressed with health changes, dietary changes, exercise changes – all of which Medi-Share addresses. Going to the doctor for a simple cold or flu. Or the now 120+ vaccines that children under the age of 18 are required to get despite most of these diseases being non-existent for decades.

Diptheria. Infants in the US are routinely vaccinated for this despite the fact that the actual number of cases per year over the last 30 years is 2.   The number of tetanus cases is roughly 50 per year, mostly in old people – but we still vaccinate babies. We give infants Hep A vaccine routinely. Why? Who is at risk for Hep A? Gay men, drug users, people with hemophilia, people that work with primates, and people traveling to at risk countries…   Hep B? Who is at risk? People with chronic kidney disease, people with HIV, gay men, drug users sharing needles, sexually active people…

Infants? The CDC recommends that ALL children between 12 months and 23 months get Hep A vaccine and ALL infants get Hep B. Driving ever upward – Health Care Costs!

An ever smaller percent of the population would then make up this remaining category needing traditional health insurance; those with cancer, back, knee and hip surgeries, heart disease, etc…   Creating a flat rate fee could alleviate the costs associated with this group of people.

In the end, redesigning a hugely failed system with the Lindsey-Graham system, doesn’t really fix anything, it just sort of jumbles up the same mess and creates new labels that effectively do not change the core structure of what drives costs.

American Recovery Act: A PONZI Scheme

IN 2009, as a part and parcel of the American Recovery and Reinvestment Act, President Obama allocated $14.7 billion to repair and modernize public housing as well as offer tax credits to builders for financing low income housing construction. Today, this portion of the Act is being hailed as a complete failure…

Of course, the failure is not being blamed on the Act or Obama, but on ‘White Contractors’ and racial prejudice.

It is another form of forcible equality in a world that is and always will be ‘unequal’. Knowing that even a newly constructed modern housing development will soon be left to squalor and decay because maintenance is a foreign concept, it is no wonder that neighborhoods clamor to object when their property values will tank in response.

New York is the perfect example of the throw away ideal in which HUD Housing was left to rot, rents were not collected, and buildings became rat infested homes for squatters.   De Blasio’s response was to shutter them and ask for more money to build new ones that would eventually evolve into the exact same state of deterioration. Why? Because maintenance costs money that De Blasio would rather spend on wealthier initiatives…

Of course the other more glaring hypocrisy of this debate is the fact that HUD housing is comprised mostly of whites in poverty as they make up the largest statistic… Oops.   Second are Hispanics, and third are blacks. This reality rather flushes the obtuse racial discrimination claim as an issue and puts it where it belongs – in the twalette. Trying to foment divide based on race is the number one promotion of Mainstream Media.   Obscuring facts, playing roulette with statistics, and downright lying seem to be the new normal. While they claim to represent The People, their journalistic philandering is rife with corruption.

Part of the problem in the forced housing debacle is the ethical concept of ‘earning what you have’ whereby you are actually rewarded for your efforts… A foreign concept any longer. Free income, free upscale housing, free food, free healthcare, free child care, free transportation… well, why bother to earn a living when you can have everything for free?

But the point is the fact that the class integration was just another failed measure of the American Recovery and Investment Act written before Obama took office by unknown drafters, and pushed through almost immediately in 2009. And like Obamacare, it is an abject failure.

Of the $831 billion dollar package, $155 billion was allocated to Healthcare including, building of VA hospitals…, Medicaid, IT , Research and VA Administration. Mired in cost overruns and mismanagement in the VA core, the $2.3 billion was a failed waste. Interestingly, while the VA got $1 billion for hospitals, NIH got $10 billion. With a $31 billion annual budget, NIH has been scrutinized for less than transparent reporting and vague accomplishments.

In 2009, with the additional $10 billion allocation, their one and only target research was, “how voltage ion channels interact with their surroundings”.   The ultimate impact? Research findings provide ‘perspective’ for a new direction of targeted therapeutic development…

Another challenging use of the $10 billion was to research a new method to measure abdominal pain… Because the pain scale that we all know “on a scale of 1 to 10”, wasn’t definitive enough…

Another $100 billion was allocated to Education with the primary use of the funds directed to “prevent layoffs and cutbacks”. Obviously that hasn’t worked very efficiently either given the latest report states that the US is facing a severe crisis due to a shortage of teachers…

So what exactly did this $831 billion accomplish?

$70 billion was allocated for a one year – 2009 – increase in the Alternative Minimum Tax floor… But the annual revenue raised by AMT per year only amounts to about $35 billion…   So, in other words, we spent $70 billion to reduce receipts by about $10 billion or less given it was only the floor that was altered, not a complete repeal of the tax!

Now that was definitely a worthwhile expense. So where did that money actually go?   We are missing an accounting of the use of these funds… Much of the “USES” were subjective, based on a perceived loss of IRS funds based on credits. So while the cost, the $831 billion, was actually charged to taxpayers, the USE was actually never accounted for or disclosed.

Tch, Tch. Nothing more than a covert Ponzi Scheme, only every single American Taxpayer was the victim. Madoff? Nothing by comparison.

NEXT!

Obamacare Is Working! For the Poor

Before Obamacare my annual deductible for a family was $500 and my monthly premium was about $350…  Today, my annual deductible- out of pocket is between $10,600/$20,000 and my family premium is nearly $1500 per month!

But HEY – It’s Working according to Obama…  Really?  Where?  In Uruguay?