Tuesday, August 11, 2009

top 10 things about health care

I'm compelled to write this bit because I really can't seem to turn to any channel on TV without hearing about healthcare, townhall meetings and Paula Abdul. This list was originally formulated when my own father died, and has changed from time to time, but the content remains the same.

10. Good health is not a right - Most of these points are obvious like this one. For some reason, there are people out there that believe otherwise. We call these people...sick. We don't have a right to good health any more than we have a right to good food, or good entertainment. Careful analysis of the constitution will prove it. There are those that believe that the pursuit of happiness holds the key to health care for all. That if we are not healthy, how can we be happy? I know I'm less happy when I'm sick, but is it impossible for me to be happy? no. Life as a constitutional point is pretty strong. If I'm sick enough to die, then I've been deprived my constitutional right of life. Unfortunately, none of us will every enjoy the right of life indefinitely. At least not as we know it.

9. Doctors don't save lives as much as they postpone deaths. - Doctors will be the first to admit that we are all biological machines that tend to break down over time. The best and most healthy among us will fall to the ravages of time. Life saving techniques save lives in favor of an eventual later death. Doctors ultimate goal would of course be the unlimited perpetuation of what we know as life. They are not there yet, but every year gets us closer. Of course the more life we can extend, the more money that can be made from it. Immortality at the price of eternal servitude.

8. ANY health care plan will have to not cover stuff - nobody can plan to pay for everything that will happen to everyone. Insurance doesn't do it. Government won't be able to either. Anyone can say that the current health system is broken, but very few can say just how to fix it. If we are to have a national insurance that covers everyone, that insurance will have to decide what is covered and what isn't. There is no other way. Nothing can pay for everyone all the time. So how to decide. Well, you decide how old is old enough, and you decide which diseases are just to expensive to cover. Regular insurance has been doing this for ages and Government will have to do it as well. No matter what they say.

7. Doctors existed before insurance - Hippocrates, the originator of the Hippocratic oath designating that a doctor will 'do no harm' predated health insurance by about 2000 years. How did Doctors operate without a large pool of money that was administered for them? Well, they used to arrange payment with their patients (customers) and sometimes they would take payment in kind (barter) and other times they would give their services for free. They were free to make the decisions of their profession without hindrance. Then in the 1850's the first forms of health insurance began to rear their heads. Slowly but surely, Insurance has become a fixture and somehow transmogrified into a necessity. Now, if you don't have insurance, it's as big a tragedy as if you can't read. I grew up in a household that never had insurance. I guess I'm still alive to tell the tale. Who knew?

6. Fear is nearly as expensive as Ignorance - Fear and Ignorance are closely related, but Ignorance edges fear out for the most expensive state of mind. Fear though is usually born of ignorance and is therefore a very close second. If we fear the possibility/inevitability of getting sick or in-firmed, then we will pay to stave that off. This is how insurance really gets you. Because insurance is based on the fear of a catastrophic illness bankrupting you and your family. There was a time though, when Doctors would do their best and charge you for the work they rendered and that was it. Now, doctors have to ask permission of the health care provider of their particular patient. That provider will tell the doctor what is covered and what is not. Your Doctor then decides what to recommend based on what Insurance will cover. We need a more nationalized version of that. It sounds really good.

5. Doctors used to make house calls and drive sensible cars. - You come to them and they still drive sensible cars. If they are family practitioners. The specialists of course are the ones making a lot of money and driving those fancy cars. It's not that what they do isn't valuable, but the ability to make money has been enhanced over time. Back in the day, a doctor had to go do school and then just went into practice depending on the states individual rules governing the practice of medicine. the amount of schooling and effort and knowledge needed to become a physician has grown to a gargantuan size. There is no way they don't deserve what they make. On the other hand, will the free market actually be able to pay for their skills if all that is needed is to stitch up a cut?

4. Insurance has never produced anything - Bernie Madoff, what a bastard. This guy took peoples money into the worlds largest pyramid scheme ever devised. The idea is simple. you get a few people to give you say 100 dollars, then you promise them say 10 percent of that investment every month rain or shine. Mind you, that 10 percent is about 8 percent better than anything else around. So every month you pay out 10 percent to the investors and they tell their friends about this great investment scheme and how they need to get into it. It gets bigger and bigger. Bernie gets a big pool of money and pays off everyone every month and keeps getting more and more investors. Sure the rest of the country is making 2 percent but they are suckers and you are a financial genius because you are tight with Bernie. Well, you know the rest of the story. The pyramid never was money invested in anything but paying off the old investors at the expense of the new. Now just replace Bernie with Insurance Companies and change 8 percent to health care coverage and you get the idea. Like those poor saps that got their money to Bernie at the end of his illustrious career. The only difference is you could conceivably pay and pay into a system and never collect, and the insurance companies have to put their profits somewhere, like buildings because as long as there are more people there can be more insurance.

3. The Government really thinks that Healthcare reform is a great deal...for you - So the Feds want to 'give' us health care reform because they think it's SOOOOOOO important. Why aren't they reforming their own health care that we the taxpayer pay for? It seems that if we want them to be serious about what they are giving us, the US should include THEM. What's wrong with that? I'm not sure, but it seems that they are unwilling to do that. I'm sure there is a very high minded and lofty reason that they don't participate in any of the programs they have devised for we the people. Nope, they have government retirement, not social security, they have their own insurance not Medicare. Really the best health care reform you can get is by getting yourself elected to congress. Then you can really enjoy a good system at work. BAH!

2. If it weren't for Insurance, you couldn't afford to pay for it yourself....WRONG - This is more an indictment of lazy people than it is another jab at insurance. But for those of you that are playing at home. lets do an experiment. Add up all of your insurance premiums over the years of working and then add in the amount of health care you have used. Now when you are playing this game, remember. If you have to pay 300-500 dollars for insurance your Employer must pay in the neighborhood of 900 - 1200 for you as well. So add that in. After all, this money is money that your employer is spending on your behalf. The argument against this is. Well my employer would never pay me 1200 dollars a month to do my same job. My answer is. They already do. They just give it to you in insurance. Add it all up over the course of say 5 years and then add in all of the bills less how much you made in a copay (because you payed that all ready). If you really want to have fun with it. pretend you put that amount in the bank and apply say 2% interest to it over those 5 years. Yes, I know, there ARE people for whom their ailments are financially destructive. However, NOBODY calls insurance charity on any side of it and I can guarantee that those people that have insurance and need it, are still financially decimated.

1. Genuinely Free markets drive the price of everything down to it's lowest point. - It's a natural fact. The best example of this is Multi-Level Marketing. Since everyone can be a distributor for whatever product it is. there is too much product and so people that are in the MLM buy product and give it away to friends just to keep their activity and hopes for millions alive. Medicine has been out of a free market for a long time. Why? for a couple of reasons. Insurance tells Doctors what to charge, and people think insurance equals free. Between these two things, people do not care at all that they are putting a burden on the system. People do not shop for medical care in the same way they shop for cars. they go in because they need help. Price is no object my good man, I have insurance. If insurance didn't exist OR if people were forced to administer their own insurance claims, there would be MUCH more competition in the marketplace. But people are both stupid and lazy on this point. After all, if they are sick, the last thing they want to worry about is paying the doctor and getting paid from the insurance company (another whole issue with insurance is the getting paid. Sheesh). Besides if a really good doctor and a mediocre doctor are both doctors and give the same care right? Well insurance says they do, so it must be, and IS true.

So we think that the Government controlling insurance and health care is a good idea? really?! So far the only thing that I can think of that would make health care affordable is to eliminate insurance or at least make it only administer-able by the patient. Create lawsuit reform that dictates that loser must pay for the court costs etc (thereby eliminating frivolous lawsuits and encouraging out of court settlements at a lower cost).

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