Showing posts with label private insurance. Show all posts
Showing posts with label private insurance. Show all posts

Sunday, August 23, 2009

A Good Article on Why the Status Quo Must Go.

Dying for affordable healthcare — the uninsured speak

In a week of claim and counter-claim about the merits of healthcare provision in the US and UK, Ed Pilkington travelled to Quindaro, Kansas, to see how the poorest survive


Here is another reason the status quo must go. Guardian

Sunday, August 16, 2009

To Frank Rich August 16


Frank Rich wrote a very interesting column in the NY Times. http://www.nytimes.com/2009/08/16/opinion/16rich.html
Here is a quotation from it.
It’s through this prism we might re-examine the raucous town hall eruptions this month. Even if they are inflated by activist organizations and cable-TV overexposure, they still cannot be dismissed entirely as made-for-media phenomena made-to-measure to fill the August news vacuum. Nor are they necessarily about health care. The twisted distortions about “death panels” and federal conspiracies “to pull the plug on grandma” are just too unhinged from the reality of any actual legislation. These bogus fears are psychological proxies for bigger traumas.


The column was about Mad Men, the 60's and 2009. I was too late to post a comment on the column so I post my thoughts here.

Wrong on bogus fears.
Yet right on bogus fears.

My husband and I sent links to a very funny blog, answers to health care questions, to many people we know. It was an extremely funny blog post. It was sarcastic irony at its best.
To our surprise, though why we were surprised I do not know, several people took it seriously. What has been and is wrong with our educational system? Or is it as a friend reminded me. “Just remember the average IQ is 100. Therefore about half the people are below the average.” (He was being sarcastic)

Many people do believe the “bogus fears” about pulling the plug on grandma and some government panel deciding who can have treatments for ailments. They already live with insurance companies doing some of this so the fear of government doing it is easy to accept. Grandma is told that she is sapping the younger generation, “your kids or grandkids”, by taking Social Security and Medicare. By the way, Grandma probably paid into the system for years and is helping support those "kids and grandkids". So Grandma may believe it is possible that some may well want to pull the plug. (Why is it Grandma and not Grandpa we talk about in this context?)

We have lived as if addicted to consumerism. Many of us who could afford it have not paid attention to our own health and expect a drug to “take care” of any problem that arises from it. More consumerism because of the constant barrage of drug ads. We are told over and over that our educational system is failing. Yet, there are no real answers forthcoming and most of us don't take time to demand real answers. And the kids in school hear that their schools are no good-so why stay in the system. We talk about our kids as products-consumerism mentality. Some of us buy things to learn how we too can be among the wealthy classes. We frantically purchase anything and everything. We now see programming on how to save money, yet keep spending, by purchasing things we don't need at discount stores or flea markets. We purchase goods from many of these discount stores that are made in China to undercut our own economy. At the same time we are told saving and investing is great, but then told by saving now we hurt the economy.

Yes, there are so many anxieties. Many of us are watching as the economy is in a mess. We fear, maybe it is a fear well-grounded in reality, the government is not paying attention to “we the people”. There is no government watching or regulating much of anything. It seems corporations and various industry coalitions have purchased control. Is anyone going to really do anything about “too big too fail”. Really do anything. The very air we breathe is in question. Yet, some of our government is saying we can't change now the economy can't take it. The debt to China is concerning at the least. The deficit and the debt are in numbers we cannot even picture or read. The TV media, and much of the print media, jumps quickly from “hard news” to the latest scandal from any sector-cultural or business or … Why? Because we, the consumers, want to forget all the anxieties we cannot control. And business wants us to keep watching and reading so they can advertise at us; therefore to keep us spending.

We do feel “Don Draper's disorientation”.

Friday, August 14, 2009

Getting Money Out of "OUR" Government, maybe


When you look at what is happening with the so-called health care reform maybe you are like me thinking why. Answer:There is a huge problem--the monies the lobbies and the corps spend. This problem seems to rear its ugly head issue after issue.

So what to do???
Maybe the answer lies in campaign reform.
Meanwhile, the states have been plagued by the same problems afflicting campaigns for federal office. As the costs of campaigning for statewide office and state legislative seats skyrocketed over the last few decades, legislators have begun to place greater emphasis on fundraising. PACs,
http://www.fec.gov/ans/answers_pac.shtml ,
and large donors have played an increasing role as sources of campaign revenue, and incumbents have been outspending challengers by larger and larger sums.
http://www.newrules.org/governance/rules/campaign-finance-reform

About the only way I can think of to change the balance is to challenge the way “our” elected officials get money for campaigns. But, what about the free speech issue and freedom of the press? http://www.newrules.org/governance/rules/campaign-finance-reform/campaign-finance-reform-buckley-v-valeo And See: http://www.campaignfinancesite.org/court.html

Basically the courts say that candidates' must be given the right to opt in or out of any system of campaign finance. Maine is one state where the court upheld their version because it is voluntary.
The Maine law is a little different though:

Maine's campaign finance law, known as the Clean Elections Act is different from those in other states because those who agree to accept public funding must forgo any private contributions (beyond a small amount of "seed money" and qualifying contributions) and run an entirely "clean" campaign.
The law was passed by Maine voters in a referendum in 1996 and came into effect in 2000. Candidates who demonstrate citizen support by collecting a set number of $5 qualifying contributions from voters within their districts (50 contributions for a State House race, 150 for the state Senate, and 2,500 for a gubernatorial race) are eligible for fixed and equal campaign funding from the Clean Election Fund. To receive their money, candidates must agree to forgo all private contributions (including self-financing), and limit their spending to the amount from the fund.
http://www.newrules.org/governance/rules/campaign-finance-reform/campaign-finance-reform-maine

Other states have “clean election” laws.

A Supreme Court decision in January 2000, Nixon v. Shrink Missouri Government PAC, was the court's first ruling on campaign contributions and free speech since Buckley v. Vale. In it the court essentially reaffirmed Buckley vs. Valeo, by allowing state limits to campaign contributions, but not spending, so long as the contribution limit was not "so radical...as to...drive the sound of a candidate's voice below the level of notice, and render contributions pointless." However, the decision did counter a trend whereby federal courts have recently been striking down contribution limits even above the $1,000 (per individual) permitted in Buckley v. Valeo.
As of 2008, five states have passed "clean election" laws, laws that provide public money for state election campaigns if a candidate agrees to strict spending limits.
Maine was the first state to enact such a law, by voter referendum, in 1996.
In June 1997, Vermont became the first state to pass a bill modeled after the Maine law through its legislature. Both laws served as models for the clean election initiatives passed by Arizona and Massachusetts voters in November, 1998. The Massachusetts law, however, was repealed by the legislature in 2003. Connecticut's legislature passed a clean election bill in 2005, and it was amended in 2006 to remove an unnecessary step for third party candidates.
New Mexico expanded the program to include candidates for judgeships on the Court of Appeals and Supreme Court of New Mexico in 2007.
New Jersey's legislature passed a clean elections pilot project in 2004, which put into place two legislative districts for the November 2005 election. Following its success, three more districts have been selected to be part of the 2007 Fair and Clean Elections Pilot Project.
Out of State Contributions
Out-of-state or out-of-district campaign contributions corrupt the political process because an elected official may become more beholden to these contributors than to the community she represents. Alaska and Oregon have adopted limits on out-of-state or out-of-district contributors. Both have been overruled by federal courts as violations of the First Amendment. While the Oregon law has been repealed, the Alaska law has been suspended and is on appeal in the Alaska Supreme Court.
Because these laws so well embody the principles of localism and republicanism, the New Rules Project offers them here as models that should be reinstated.

http://www.newrules.org/governance/rules/campaign-finance-reform

All this is really great but as long as it is voluntary, in the name of free speech, I am not sure what good it all is. (By the way another thought just occurred to me. Note the Out of State restriction on Alaska's law. Maybe this is why Palin left office early? Why wait for the Alaska Supreme Court to decide. Maybe you just run from another state?)

I really do hate“Out of State Contributions”. It lets any big group, or its lobby, to select even your state and local candidates for you. Suppose you are big Energy and there is a reliable Energy candidate in some state-you will put your money where their mouth is. Now I realize too that the reverse may be true, Green Energy may like a candidate in your state or local government so they can back them.
But shouldn't each state's population be deciding their own government therefore their own laws and taxes spent. Maybe that wouldn't work either. Some would just move from a red state to a liberal blue state somewhere. Or the conservative would move to a nice red state. Actually this is happening on a small scale already. Well, one thing about it when the media draws its election forecast maps it would be easier. Or would some pay somebody else to move into the opposite view state. Hey this has the makings of a great movie or short story.
So just as the health care laws are difficult and hard to write, I can imagine the nightmare of election reform. Nothing worthwhile is ever easy and laws are, or at least should be, difficult to write. But, it may be the only chance we have to get at least some money out of the system.

For those who love charts and statistics here is an interesting site. http://www.cfinst.org/data/VitalStats.aspx

Here is a link to a “working paper”, for a forthcoming book, on campaign finance “after Obama”. The beginning sentence is an attention grabber about the total collapse of public funding for Presidential campaigns. http://www.cfinst.org/president/pdf/PresidentialWorkingPaper_April09.pdf

I highly recommend you visit Vote Smart to take a look information on Congresspersons. It is an excellent site. I thought about volunteering to work for them years ago. Very fair-minded site. http://www.votesmart.org/ I couldn't get their widget added but will try again. Also this group may be one to consider a donation if you can.

Then too maybe we just need to redefine corporations as entities when it comes to the Constitution. This will be the next post.

P.S. Note the italics on the section about the "Oregon law". I stand corrected by Dan(please see comments section). He states it is not a law it is an amendment to the Oregon Constitution and has not been repealed. Also see where they were working to change http://www.afd-pdx.org/E-mails/2009_CAMPAIGN_FINANCE_REFORM-1.html

Tuesday, August 11, 2009

Stories on both Medicare and Private Insurers

Many nurses are "single-payer" supporters. Here are some anecdotal stories to show why.



...insurance companies already decided who deserves to live and who deserves to die and if you want the real truth about what our healthcare industry does to it's people work in the industry for 33 years. Hope and pray you don't need a specialty mattress to prevent bed sores because you won't get it until you have a stage IV bed sore and that is one that goes through muscle, soft tissue and to the bone because insurance won't approve the fee for the rental even in the hospital and I could go on for days. I do not trust our government to initiate any plan of any kind that benefits the patient because it might impact the insurance companies,pharmaceuticals and big paying lobbyist in a negative manner and after all they can afford to pay, if they are charged which many times they aren't, for the best of the best. I have worked home health, ER, ICU, case management and have seen first hand the tragedies that follow private insurance decisions , etc , etc, etc. I am ready to leave this country for good and regret not taking that job in Canada that I was offered 3 years ago.

...if you are crippled and need a lift chair to get from a sitting to standing position or visa versa Medicare will pay for the motor and you have to purchase the chair or maybe you could just sit on the motor.

1- Medicare denied payment for replacing a bone plate in a woman's skull because not having the bone replaced after brain surgery was not life threatening (she could wear a helmet to protect the soft spot left by removal of the bone 2- Private insurance refused to allow a patient with a rare muscle cancer to be transferred to an out of network hospital because her prognosis was too grave and the treatment that was only available at an out of network hospital only promised her 24 mos to live , now she will die in 3 or less and die in agony. So what are they really proposing to change. The last lady was 37 and had 2 young children, but she had no say so in the matter, unless she wanted to foot 100% of the bill and she could not afford that.