Health Care

Here comes universal health care

PART ONE: DO IT FOR THE KIDS... Very soon, in keeping with Obama's campaign promises and in retaliation for two Bush vetoes Congress will again introduce legislation to revamp the SCHIP, the State Children's Health Insurance Program. No longer will actual children from actual low-income households be the only ones cared for under the proposed plan, but also ‘children’ up to age 30, whether they still live with their parents or not. Additionally, the wage requirements for households receiving SCHIP assistance will be raised considerably---as much as $80,000 or more per year.

It is a tiresome task to debate liberals on health care, if your only point to make is that hospitals, emergency care facilities and clinics are going broke due to the amount of healthcare that is delivered each year to people with no ability to pay. It does no good to enlighten these folks about the extraordinary costs our medical community has absorbed in providing non-retrievable costs for care to illegal immigrants. Liberals in your neighborhood, nor those in Washington will even entertain this thought process. They will tell us we need to be more compassionate, yet they have no suggestion as to how to pay for this other than higher taxes, and ignore the fact that they, too, are paying the price, not just the evil conservatives. To explain that the more free health care that is given out, the more everyone else must pay, is an exercise in futility. Obama has repeatedly stated he intends to reduce the cost of health care. That begs the question of how he plans to continue to provide state of the art diagnostic and treatment-based healthcare to millions that have no obligation to pay for it and still have it cost less. This expenditure crisis regarding non- citizens, if addressed and solved even to some extent, could go a long way in reducing overall costs, easing the freight that hospitals, insurance companies and those they cover, and self-pay individuals must absorb to provide for folks that benefit from the best healthcare available in the world.

There is little interest at any level to examine the costs incurred in caring for illegals, such as the requirement of staffing hospitals with equal numbers of Spanish speaking people, printing forms and patient education literature in another language, signage throughout a facility, etc. There is no interest in the ‘anchor baby’ matter which grants instant citizenship to both baby and parents once a child is delivered in this country. Having worked in a major hospital in Colorado, I frequently observed unmarried, non-English speaking women and teenage girls that deliberately became pregnant and then ‘sold’ the paternity to a man without legal status. Men will pay money in order to come into a hospital and sign the birth certificate documents because they gain immediate citizenship. Many of these women were recent arrivals in our country. Few had prenatal care or proper nutrition, and some required blood transfusions, surgery and other intensive medical services. Subsequently, it was common for their babies to born early or at a low birth weight, requiring days, weeks, or months in the NICU unit. Once the birth certificate was signed and processed, mother, baby and father were now of legal status and a Spanish-speaking social worker directed them to the WIC program, assisted in getting them signed up for Medicaid and even made referrals to subsidized housing complexes and other government services. Depending on the length of stay of both mother and baby and the services required to return them to good health if that was an issue, the hospital charges can range between anywhere in the thousands to sometimes hundreds of thousands of dollars. Conversely, the new mother in the unit that has health insurance or is a self-pay patient, must then absorb a certain amount of this cost because the Medicaid and Medicare programs can no longer reimburse at a level to sustain the hospital’s costs.

As change comes to this issue, we look toward covering more and more people without concern of ability to pay. The SCHIP program funding is so ironic it is laughable. These additional ‘children’ from families making up to $80,000 will be financed through increase in cigarette taxes. Yet, in cities and states around the country, smoking is being banned and is often illegal. For over 40 years, we’ve been bombarded with warnings to not smoke. How does Congress expect the observer to interpret this? Should we all start smoking now in order to raise enough tax to cover all the additional children? Which is it? Smoking is unhealthy and should be banned, or should we encourage more smoking in order to fund an expanded government project?

Kids are basically inexpensive to care for in terms of healthcare costs. Unless a child is seriously ill, the average child can go through early years with not much more care than immunizations, routine medical and dental check-up’s, and occasional care for childhood illnesses or minor injury. There are a multitude of private organizations that work diligently to raise money to provide medical care for kids in need and kids that are seriously ill. If we want government intervention in our healthcare decisions, a child in need is certainly one situation that prompts most people to agree that help should be made available from one source or another. The Medicaid system has been in place for some time to make sure poor children do not suffer needlessly or go without necessary care. As with all government-subsidized programs, there is rampant fraud and abuse. Thus, the system is bankrupt and there is potential that those in true need will soon not be able to get it. Americans would not deny a child healthcare. That mindset is not in our make-up and should never be. We have programs in place to care for the misfortunate and we need to reshape them so the services continue. Adding people up to age 30 from households making up to $80,000 only takes healthcare resources away from poor children that have no source of help otherwise.

Tom Daschle, who has no healthcare experience other than strong opinion, is going to head up our future in terms of how health services are delivered. There will no longer be any accountability in terms of parents making sure that they set aside even a small portion of money to prepare for inevitable trips to the doctor their children will need. Poor families that have nothing to set aside need to rely on Medicaid and other assistance. Mr. Daschle does not talk about reform or how future funding of Medicaid will occur. Rather than fix an existing program that was initiated for the very purpose of calling on taxpayers to help those among us less fortunate, he instead sets about to create more layers of government red tape that has a proven record of failure.

Somewhere along the road to entitlement for most every aspect of our lives, we stopped thinking that we should plan for and provide medical care for our children. We may save money for household emergencies or auto repair, and certainly have no qualms about putting a vacation or tickets to a ballgame on a credit card, but when it comes to sustaining good health and recognizing our personal obligations to obtain it, we sometimes fail the test miserably.

There was a time in this country when ‘children’ in their twenties, approaching age 30, were long gone from their parents’ scope of responsibility and were out on their own, making their own way and providing for themselves. Those that are disabled or have other significant health-related issues have historically received assistance from Medicaid. There are already provisions in place to care for those that cannot care for themselves. Any 20-something person that expects the taxpayers to pick up their tab for healthcare when they are able to do so on their own exemplifies the abuse that will become more commonplace as new government interference is forced upon our country.

FIRST IN A THREE-PART SERIES

Crafty like a fox

After a bit more than a month away from the partisan battles, I'm back in my blogger chair. I've had a chance to ruminate on the 2008 election results, and to my great surprise, the sun continues to rise in the East and set in the West (though I'm sure global warming alarmists will soon say that this, too, is in mortal danger). The real impact, of course, of the decisive Democrat victory won't be seen for years to come. I have to hand it to the President-elect -- he's crafty like a fox. His early appointments were designed to give him cover from attacks from the right, and reflect the sober reality he now faces in dealing with both the financial downturn and the ever-present terrorism and security threat. His appointments of Geithner and Summers were reassuring to the financial markets which are now expecting a high-level of government intervention. For those of us who still believe in free markets, its not good news, of course.

The financial bailout undertaken by the Bush Administration and Paulson/Geithner before the election has ushered in a whole new era of government intrusion into the private sector. And Barack Obama, with his predilection for "spreading the wealth around" is just the guy to take maximum advantage of it. The government will own banks, auto makers and insurance companies before it is all through -- and tax payers will be on the hook for it all in the end.

Of course, Obama's early appointments don't give a full picture of what is yet come -- for his next appointments will surely be grist for the far left of the party, still smarting over Obama's decision to keep Bush Defense Secretary Robert Gates. Interior, Energy, EPA -- all of these will be given to a left-wing ideologue who will seek to roll back environmental regulations in pursuit of greenhouse gas restrictions. All that "Drill here, Drill now"? You can forget about all that; now that gas is back to $1.50 a gallon, you can bet we'll be returning to the days of alternative energy investments and ever stricter emission standards -- all just as the auto makers are seeking a multi-billion bailout. Makes no sense -- but, then again, the global warming religion is based on faith, not facts.

Take a look at this piece in the Wall Street Journal -- a great example of the above:

Mr. Obama...(is) a student of the late radical thinker Saul Alinsky, who argued that you do or say what's necessary in a democracy to gain power, while keeping your true aims to yourself. Mr. Obama's novel contribution has been to turn this exploitation on his supporters on the left (who admittedly are so wedded to their hero that, so far, they don't seem to mind).

His next big challenge is an upcoming conference updating the Kyoto targets. Mr. Obama has not backed off his overwrought climate rhetoric, but listen carefully to Al Gore. Now that Democrats are on the verge of power, he's backing off cap-and-trade and carbon-tax proposals (i.e. visible energy price hikes for consumers) in favor of a new approach -- massive government subsidies for 'green technology'.

That's right -- open up the spigot. As long as we're spending a few $Trillion on the banks, bad mortgages and all, why not throw a few tens-of-billions at alternative energy? Start the presses! It's only paper, after all!!

In the end, of course, there will be a limit to all this largesse -- and it will come when taxes rise to support the massive debt we are now taking on for our children to deal with. Remember when "balanced budget" was the cry in Washington? Those days are long, long gone. In its place we have socialism in all its European glory.

And of course, don't forget health care -- the next great socialist experiment that is coming your way, like it or not. As the WSJ again shows in a brilliant editorial today, Tom Daschle is going to reform your health care -- like it or not:

Tom Daschle, the former Senate Majority Leader who Barack Obama has tapped to run Health and Human Services. "I think that ideological differences and disputes over policy weren't really to blame," he writes of 1994 in his book "Critical," published earlier this year. Despite "a general agreement on basic reform principles," the Clintons botched the political timing by focusing on the budget, trade and other priorities before HillaryCare.

President-elect Obama will not make the same mistake. Congressional Democrats are already deep into the legislative weeds, while Mr. Daschle is organizing the interest groups and a grassroots lobbying effort. Mr. Obama may be gesturing at a more centrist direction in economics and national security, but health care is where he seems bent on pleasing the political left.

According to Mr. Daschle, because of the Clintons' hesitation, "reform opponents succeeded in confusing and even frightening Americans about what change might mean," and this time the Democrats mean to define the debate. Consider the December 2 letter to us from Senator Max Baucus, who is upset that a recent editorial on his health-care plan did not use his favorite terms of art (his style being surrealism). "It will require affordability, but premiums will not be set," he writes. So the government will merely determine "affordability" -- which might as well be the same thing.

You see the pattern here: the issue in health care reform is style, not substance. Forget any discussion of the merits, the 1993 initiative failed because it wasn't sold properly, not because there are any inherent flaws in the concept. And lest you think that there will be proper study and debate before such a bill reaches the President's desk for signature, think again -- for the Democrats, so sure are they in the righteous of their cause, aren't wasting any time:

Most disturbingly, Democrats are talking up "budget reconciliation" to pass a health overhaul. This process was created in 1974 and allows legislation dealing with government finances to be whisked through Congress on a simple majority after 20 hours of debate. In other words, it cuts out the minority by precluding a filibuster. Mr. Daschle writes that reform "is too important to be stalled by Senate protocol," and Mr. Baucus has said he's open to the option.

Any taxpayer commitment this large ought to require a social consensus reflected in large majorities, but Democrats are determined to plow ahead anyway. They know that a health-care entitlement for the middle class will never be removed once it is in place; and that government will then dominate American health-care choices for decades to come. That's all the more reason for the recumbent GOP to get its act together.

Like Saul Alinsky and the other radicals in Obama's background, the ends always justifies the means. Ram it through at all costs -- the goal of social justice can't be hung up on the niceties of dissent and debate.

Yes, elections have repercussions. And this one more than most.

As I've said many times, folks: Hang on to your wallets!

BHO vs. McCain on health care & energy

Health care and its rising costs, and declining availability, have become issues, and on this score McCain’s proposals are superior to Obama’s. Between government domination of the market through Medicare, Medical and other publicly funded programs, and tax-free employer-based plans, Americans have less and less say over the cost of their health care. Instead of budgeting for routine visits to the doctor, just as we do with food, clothing, gasoline and other household costs, and purchasing health insurance, as we do for our homes and our vehicles, for catastrophic expenses, we refer all our medical costs to the government or to private insurers. Is it any wonder that costs have skyrocketed? That both public and private plans have sought to cut costs? When asked Tuesday night if medical care was a responsibility, a right or an entitlement, McCain chose the first and Obama chose the second. These differences are telling. Knowing the advantage of being in a preferred group, as a recipient of government care or tax-free employer care, has over being in business for yourself or being unemployed, McCain proposes that every citizen, and not just employers, be given a $5000 a year refundable credit so that they can get the best deal they can. Not only that, they would be free to buy health insurance anywhere, not just in their own state, as the situation is now. Obama, on the other hand, wants to make a problematic situation even worse by instituting a government benefit for all who desire it. This would crowd out the private market for health insurance, just as Fannie Mae and Freddie Mac have done for housing loans, making the profitability of private plans highly dubious. Obama tries to play down this inevitable consequence by insisting that people would still be free to purchase private plans. Ask Canadians if they have that freedom under socialized medicine. And he adds that those who keep their employer-based plans will be taxed more. What he doesn’t tell you is that employers will be able to pay their employees more in lieu of health-care coverage, but employees will pay more taxes only because they are unjustly penalized for making more money!

Although McCain has been sidetracked by "environmental" concerns in regards to oil drilling and alleged global warming, he has long endorsed the full range of affordable and practical alternatives to dependence on foreign oil. More recently, he has endorsed drilling off our coastlines so long as affected states concur. He knows that the most eligible alternative for power is nuclear energy, which even environmental "greens" admit is safe and clean. He wants to stop the flow of oil money to despotic regimes that aid and abet terrorist groups abroad who threaten us and our allies, and everybody else. He supports research and development but not wholesale subsidies to as-yet unproven technology. But Obama is famous for advocating pitifully small conservation measures such as keeping up air pressure in our tires and driving at slower speeds. He makes rhetorical gestures toward oil and nuclear development, but does not commit himself to it.

This is as good a place as any to take on the bugaboo of the greedy oil companies, which even McCain feels compelled to harp on. In the first place, they buy most of their oil from overseas, spend gigantic sums for drilling in the Gulf of Mexico, attempt to make a profit for their shareholders and supply gasoline at the lowest possible price. Media reports of "huge" profits never mention the much greater costs incurred, nor the necessity to obtain the means for securing more oil in the future. It makes literally no sense to believe that oil companies deliberately jack up prices and thereby infuriate their customers. They are dependent largely on their foreign suppliers, inasmuch as Congress has forbidden offshore drilling for 30 years. There is no more public, recurring and palpable cost than the per gallon price of gasoline. We had it good for so many years we thought it could go on forever. Now the only sensible thing to do is drill for more, the sooner the better.

Drill down to candidates' principles

(Denver Post, Sept. 7) Quick, who was Henry Cabbage Cod? Oops, I mean Henry Cabot Lodge. Who were Bill Miller and Sarge Shriver? Ed Muskie and Lloyd Bentsen? All were losing vice-presidential candidates of the past half-century, the first two Republicans, the others Democrats. Go to the head of the class if you knew that. Most people wouldn’t know or care. Outside the Beltway, there’s general agreement that the vice-presidency isn’t worth a bucket of warm, uh, spit, as Jack Garner, VP under FDR, memorably put it. This year we have Sarah Palin the terrific versus Joe Biden the soporific. Their debate will be a doozy. But after November, one will become a historical footnote and the other will become auxiliary equipment, unlikely to either replace the 44th President or impact his administration much. That’s the American way. The 2008 election, like all of them since 1788, is about the men who would be President and the principles by which they would govern, period. While Palin-watching, Ayers-bashing, and other sideshows will continue to enliven the campaign, voters mustn’t be distracted from the big policy issues if we are to decide wisely. Two of the biggest are energy and health care.

Both are vital. To make them more affordable, should government get more involved, or work on getting out of the way? I’d say the latter, as a believer in individual liberty and free markets, based on our country’s unequaled success with voluntary approaches to abundance and innovation. McCain, though imperfect, is closer to this standard than Obama. That’s my reason, more than party or personality, for favoring him.

To illustrate why getting out of the way is better and what it would look like, I call to the witness stand Joseph L. Bast of the Heartland Institute. The nonpartisan Bast – I doubt he’s ever voted Republican OR Democrat – wrote a series of issue guides called “Ten Principles.” As the rhetoric gets thick this fall, these booklets can help cut the fog.

Here are Joe Bast’s ten principles for energy policy: First, he warns, energy independence is an illusion; we’ll always have to import. Gasoline prices are market-driven. Global warming is not a crisis. Air pollution is not a major public health problem. Mercury from coal-fired power plants isn’t either.

That’s five, and by now you’re either liking these or steamed up. But be aware his argument for each (online at Heartland.org) is meticulously documented. The other energy principles are these: Biofuels should not be subsidized. CAFÉ mileage standards for vehicles sacrifice lives for oil. Electric deregulation is still necessary. Liquefied natural gas is part of the solution. Nuclear energy is too.

Emotion and hope favor the windmillers, data and reality favor the drillers. McCain-Palin want to drill, as does Bob Schaffer in his Senate race with Mark Udall. May their tribe increase. Republicans in Colorado and nationally also want to avoid Canada-style socialized medicine, and here too the liberty-minded Bast gives good reasons why.

His ten principles for health policy build on the cornerstone that health care isn’t a right but a service – and as such, best delivered by the market. To minimize government interference, we should repeal many existing regulations, reduce reliance on third-party payers, and help only those who need help. Single payer is not the answer.

Rounding out the Rx list on health care, Dr. Bast urges: Encourage entrepreneurship. Expand health savings accounts. Expand access to prescription drugs. Reduce malpractice litigation expenses. And finally, encourage long-term care insurance.

While you may prefer a different yardstick for health policy or energy, the ones from Heartland Institute work for me. Comparing platforms on these and many other issues, the GOP decisively trumps the Dems. Obama’s big-government future repels me. I’ll take McCain, warts and all.

Health care: What we can do

The problems with our health care system stem not from too many market forces, but from too little. Editor: So argues Joshua Sharf, a regular on Backbone Radio and now also a candidate for the Colorado House, in his platform plank on health care. This and other issue statements appear on his website. For comparison, here's the website of his primary opponent. Below is the Sharf plank in full.

Health care in the United States is among the best in the world, but practically nobody likes the system. Our private insurance system is incomprehensible. Our public systems - accounting for fully half of healthcare spending - are expensive, restrictive, inefficient and unfair.

As a result of IRS rules, dating from WWII wage-and-price controls, exempting employer-paid insurance from income tax, many people even make job decisions based on the availability of health insurance.

Some have used this discontent to push for even greater government interference in the system. Calls for mandates, single-payer insurance, even socialized medicine, have become commonplace. The Governor's 208 Commission was stacked with members pre-disposed to further state intervention. The Commission rejected the one free-market proposal presented to it.

In addition, insurance is expensive because we're over-insured. If we bought car insurance like we buy health insurance, we'd have coverage for oil changes, and all have special truck-bed insurance, even for our sub-compacts. Typical health insurance cover routine needs that, for the most part, we could easily afford. And we are required to buy services that we will likely never use.

The government is simply not capable of determining what insurance best fits each of us. We are.

And for these services, we're not spending our own money. We see absolutely no monetary benefit from making smart consumerist choices in our health care. Therefore, there is no incentive for us to save money. Thanks to services like WebMD, we are increasingly consumerist when it comes to our treatment; there is no good reason why we can't adopt similar consumerist attitudes when it comes to payment.

The problems with our health care system stem not from too many market forces, but from too little. The solutions to our health care lie in re-introducing market forces.

Health Savings Accounts, combined with high-deductible catastophic insurance, provide the most efficient, most affordable combination of coverages.

While Medicare and prescription drug reform will have to wait for federal action, there is much we can do at the state level to make insurance and care more afforable for our citizens. We can:

* Change Colorado's Medicaid to more closely resemble HSAs, along the lines of South Carolina's reform;

* Encourage the use of Health Savings Accounts;

* Allow Coloradoans to buy out-of-state health insurance plans to encourage competition;

* Remove restrictions on walk-in clinics to allow Target, Costco, Wal-Mart to provide affordable basic medical care;

* Require hospitals and clinics to make outcome data available for informed consumer comparison.