Saturday, March 6, 2010

NATIONALIZED HEALTH PLAN: Part Two

ANOTHER LONG BLOG ON A VERY SERIOUS SUBJECT: Be patient, please!

As I expected, I have received a response to my health care blog pointing out the need for some changes. I FULLY AGREE!

First of all, the costs of health care in America is ridiculous. Like sugar or peanuts, government control, or lack thereof, elevates the costs beyond reason.

FRIVOULOUS LAW SUITES greatly increase the cost of medicine. Effective tort reform could correct this problem. When those controlling the laws are mostly attorneys, chances of correcting this problem are slim to none. Obama has given it "window dressing" but thats all. Probably the GOP would make a correction but, even when they were in control, they failed to do so in the past.

There are people who are constantly searching for grounds for a law suit. I had a relative who was just like that. Although she and her husband were enjoyable to be around, my brother Henry, who was a gracious host, refused to allow these folks to stay at his home when they were visiting from their home in Florida. He feared being sued, and with good reason.

When I was a stock broker I had a client like my relative. After this client faked a fall on the beautiful brick sidewalk to my office and collected a settlement, I fired her. As she was quite wealthy from her unethical legal pursuits, she couldn't believe I could refuse to service her account. I did!

PRIOR ILLNESS refusals by insurance companies also needs attention. My own son, Mark, is without insurance for this reason. The insurance companies collect money for years until a problem happens, then they dump their clients just like I did the lady above. The problem is that they are just as unethical as was she. I AM CONFIDENT THIS WILL CHANGE.

EVERYONE MUST BE TREATED EQUALLY, or so says our SPREAD THE WEALTH president. WHY? Everyone does not work equally. There will always be those who take short cuts in life, drop out of school, have children out of wedlock, or just refuse to work. And, it is in all families.

I like to joke about working. I say that "I worked for 43 years and now I've loafed for 20 years. Loafing is better. Just have them mail the checks each month."

The key here is that I DID WORK FOR 43 YEARS. I did serve my country. I did go to school. I did do what it took to be constantly promoted to better paying jobs. When caught up in a plant closing, I paid the price of risking all when I moved up to an even better paying job. A straight commission job where I was paid exactly what I earned, I might add.

My wife, likewise, has always and still does, work. Much younger than me, when she was also caught up in a plant closing, she went to college. After twenty years with the same company, she has now worked her way up to a key employee position. My wife's employer covers my insurance costs, although Julie makes meaningful monthly payments.

I have two relatives, both now deceased, who never worked to speak of. They did not get an education. They had children out of wed lock depending upon the government to care for them and their children. Their primary knowledge was how to qualify for this assistance from the government. Eventually they became too obese to walk and the government gave them both power scooters. The government provided them with a beautiful condo in which to live. The government carried in food, cooked and otherwise. The government had nurses and caretakers come into their homes weekly to check them physically and to clean their homes. The government provided their health care, doctors, hospitals and medications. The government buried them. All for free, or paid for by we who worked.

Contrast the above paragraph with the experiences of my brother Henry, also now deceased. Henry served his country, during war time volunteering for extremely dangerous duty. He always had a main job and worked at least one job on the side. His wife owned a gift shop for which they financed themselves without help from anyone. His wife also worked straight commission sales jobs. They owned rental property. They were very active in church and community affairs.

At the end of Henry's life he got bone cancer. He had what OBAMA called "CADILAC" INSURANCE from the United Steel Workers Union. None-the-less, the cost of fighting the cancer far exceeded his insurance. Henry died leaving medical bills which his wife could not pay if she lived to be a hundred and worked every day. Her credit is ruined, though no fault of her own. Her home, the rental property and her gift shop is constantly under legal threat. She and my brother did everything right but still lost in the end.

I might add that it always bothered Henry that when he needed a power scooter, it would have cost him thousands of dollars because he had been frugal and owned property. His two nieces, however, qualified for free chairs because they owned nothing. GO FIGURE.

My son, Mark, has a blood problem and the system has failed him. He got a good education, worked very hard, made good decisions, and now works full time for the community. Just like my brother, all that he owns is at risk. HE WOULD BUY INSURANCE IF HE COULD. HE CAN'T. THIS HAS TO CHANGE.

And the costs! Last year I had an MRI. Great tool. When I signed the papers for the MRI I was told the costs will be $800. I thought "that sure was high for a half hours work" but my doctor needed the MRI. Did he need it to effect a cure. NO! He needed it for PROTECTION FROM LAWSUITS---Protective Medicine. SHOCKER! The $800 was my CO-PAY. The cost of the half hour exam was $5,000. THAT WAS $5,000 TO PROTECT THE DOCTOR AGAINST A FRIVILOUS LAW SUITE. This has to change, also.

Thank goodness for Walmart's $4.00 prescription plan. It is very convenient to buy my drugs, of which my wife and I take a lot, at a nearby CVS. After I changed to Walmart the local CVS did everything imaginable to get me to come back. We did after they agreed to meet the Walmart prices. We must ask for a price check everytime we give them a prescription, however. I would not do that but my wife will. Thank goodness for a good wife!

IN his effort to redistribue wealth to those who have not paid the price, President Obama and his cohorts in Congress do nothing to address any of the above problems. WEALTH DISTRIBUTION TAKES AWAY FROM THE WORKERS AND GIVES THE FRUITS OF THEIR LABOR TO THE DRONES in exchange for votes. We must change that with our votes.

In America today there are far more workers than drones. If you are one of the "WORKERS" who shares the same thoughts as expressed above, JOIN IN THE FIGHT FOR "REAL" CHANGE. Become active! VOTE OUT THE BUMS. You have everything to gain and nothing to lose. CAN YOU SAY TEA PARTY? And, for goodness sake, VOTE!

God bless you and God bless the USA.

1 comment:

Todd Pierce said...

The following statistics are not disputed:

 60% of US bankruptcies are due to medical bills (American Journal of Medicine)

 $1 in $3 spent in health care is for government bureaucracy, not patient care

 1 medical test in 3 are ordered for doctor protection, not patient care

Medical insurance reform is needed. Is the current Senate bill (about to become law when approved by the House and signed by the President) really the best our Congress can do?

Senator Tom Coburn, a practicing physician, gave a radio address last Sunday that is worth hearing/reading. Google it.

Here is a portion of his remarks:

“The American people have rejected the majority’s plan for good reason. Their plan includes a half trillion dollars in new tax increases, a half a trillion dollars in cuts to Medicare, job-killing penalties for employers, taxpayer funded abortion and new boards that will ration care to American citizens. At its core, their plan continues a government-centered approach that has made health care more expensive. Federal and state governments already control 60 percent of health care. If more government spending and control was the answer we could have fixed health care long ago.... Our proposals to rein in the massive amount of fraud, waste and duplication in our health care system drew widespread praise from Democrats at the summit, including the President. One in three dollars in our more than $2 trillion health care system does not do anything to help people get well or prevent them from getting sick. Democrats and Republicans agree that eliminating waste and inefficiency would lower costs and improve access tomorrow. The majority now has a choice. We can continue to make progress like we did at the summit. Or, they can try to ram through a partisan bill that will divide and bankrupt America.” (Oklahoma Senator and practicing physician, Tom Coburn, radio address to America, 2-28-2010)

I think our leaders can do better than the current bill. We should expect better!

Got time to make a phone call? How about 30 phone calls? Find the list of the 30 House votes that will decide our future, along with their phone numbers at DickMorris.com. http://www.dickmorris.com/blog/

It’s not too late. Make some calls. We deserve better.

Todd