2013년 11월 25일 월요일

About 'health care info'|Election Info: Health Care







About 'health care info'|Election Info: Health Care








The               Senate               Budget               Committee               held               a               hearing               on               Tuesday               considering               various               models               for               health               care               reform.

While               protesters               made               the               news               and               got               arrested,               some               of               the               details               of               the               hearing               itself               got               lost.

I               subscribe               to               the               National               Partnership               for               Women               and               Children's               weekly               newsletter,               which               today               featured               this               interesting               snippet:
               Health               insurers               would               be               willing               to               end               the               practice               of               charging               women               higher               premiums               than               men               for               individual               insurance               policies               if               the               government               agrees               not               to               establish               a               public               insurance               plan,               America's               Health               Insurance               Plans               President               Karen               Ignagni               said               Tuesday,               the               New               York               Times               reports               (Pear,               New               York               Times,               5/6).

Ignagni               made               the               proposal               at               a               Senate               Finance               Committee               hearing               that               focused               on               ways               to               cover               uninsured               U.S.

residents               as               part               of               a               comprehensive               overhaul               of               the               nation's               health               care               system.

President               Obama               and               congressional               Democrats               support               the               creation               of               a               government-run               insurance               program               that               would               compete               with               private               insurance               plans.Did               you               know               that               women               pay               more               for               the               same               coverage               as               men?

I               didn't,               and               I               have               been               active               in               seeking               health               care               reform.

John               Kerry               told               her               that               such               discrimination               was               wrong,               and               would               have               to               stop               anyway,               and               could               not               be               used               as               a               bargaining               chip.

He               introduced               legislation               forbidding               sex               discrimination               in               the               cost               of               health               insurance.

But               the               insurance               industry               seems               so               desperate               to               avoid               a               public               competitor,               that               it               is               even               willing               to               testify               about               and               stop               practices               most               people               are               not               aware               of.

Why               are               they               doing               this?

What               is               it               about               the               public               insurance               option               that               frightens               them?
               Let               us               look               at               what               the               a               public               option               for               health               insurance               actually               would               do.
               When               looking               at               government-paid               health               care               by               itself,               Dennis               Kucinich               during               the               presidential               campaign               called               it               Medicare               for               All.

Essentially,               even               as               one               choice               out               of               many,               a               government               plan               would               look               a               lot               like               Medicare.

Put               another               way,               people               over               65,               and               the               disabled               already               have               a               public               option.

Medicare               allows               a               free               choice               of               doctors               and               hospitals;               I               know,               since               I               have               Medicare               due               to               a               disability.

Its               premiums               and               co-payments               are               much               lower               than               private               plans,               and               its               administrative               costs               run               at               about               3-5%,               compared               to               about               18-30%               for               private               plans.
               Critics               of               having               a               kind               of               public               plan               available               to               all               say               that               it               would               ruin               the               insurance               industry.

It               might,               but               insurers               might               adapt               in               creative               ways               that               would               allow               them               to               compete.

It               is               an               interesting               thought.

It               could               lead               to               some               real               rethinking               of               how               insurers               care               for               their               policy               holders.
               AHIP               says               it               would               accept               more               regulation               rather               than               a               public               plan.

I               doubt               they               would               accept               the               kind               of               regulation               that               would               lead               to               real               systemic               change:               providing               coverage               for               all               applicants,               charging               the               same               whether               a               policy               holder               has               a               pre-existing               condition               or               not,               and               not               raising               rates               when               someone               gets               sick,               and               being               required               to               pay               for               a               yet-to-be-determined               list               of               medical               services.
               That               last               is               the               problem.

As               for-profit               corporations,               health               insurance               companies               are               required               by               law               to               work               for               the               best               return               for               their               shareholders.

They               are               not               required               by               law               to               cover               the               cost               of               needed               medical               services               for               policy               holders.

A               good               piece               of               those               administrative               costs               goes               for               finding               ways               to               refuse               to               pay               for               care.

There               is               an               old               joke               that               HMO               stand               for               Healthy               Members               Only.
               A               public               option               would               give               consumers               a               genuine               choice.

Small               businesses               that               cannot               afford               to               cover               their               employees               could               buy               into               it               under               some               versions;               in               others,               insurance               coverage               would               be               separate               individual               coverage..

This               would               relieve               the               burden               on               our               businesses               that               cannot               compete               with               foreign               competitors               who               do               not               have               to               pay               for               their               employees'               health               care.

People               would               not               lose               insurance               when               they               lost               their               jobs,               and               would               continue               to               be               covered               when               they               are               sick               and               cannot               work.

One               of               the               great               ironies               of               our               current               system               is               that               when               a               person               is               too               sick               to               work,               so               they               have               less               money,               they               also               lose               their               health               coverage.
               Medicare               is               far               from               perfect.

It               needs               modernization               so               it               can               pay               for               more               preventive               care,               and               so               that               it               includes               dental               and               vision               care.

The               prescription               drug               policy               under               Medicare               needs               to               be               scrapped               and               put               under               regular               Medicare               coverage.

But               all               of               this               is               another               subject.
               We               spend               more               money               than               any               other               country               in               the               world               for               healthcare,               and               yet               we               have               47               million               uninsured               and               many               more               under-insured.

With               a               public               health               insurance               plan,               much               of               that               can               be               fixed               -               just               the               savings               in               administrative               costs               would               cover               a               large               number               of               the               uninsured.

We               need               a               public               option,               so               Americans               can               have               a               real               choice               when               it               comes               to               health               insurance.
               For               more               information               about               Women's               Health               News,               e-mail               info@nationalpartnership.com.
               Source:               New               York               Times,               May               6,               2009,               http://www.nytimes.com/2009/05/06/us/politics/06insure.html?_r=2






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