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

Wednesday, November 11, 2009

Links Gone Wild: Health, Sesame St, Berlin Wall, Diarrhea

Just a bunch of links to news stories which I had been meaning to talk about, but just never found the time to, and now I don't really feel like leaving it backlogged any longer. Enjoy!

Health care reform barely passes House, awaiting annoying Senate: LA Times
Sesame Street Turns 40! I wish it could still make my day everyday (USA Today)
Google celebrates importance of Sesame Street in educating the world's youth: Google
20th Anniversary of fall of Berlin Wall, Communism?, but are world relations comparably better?: Associated Content
Why Won't My Parakeet Eat My Diarrhea?: Huffington Post

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Monday, October 19, 2009

Top 5 Health Care Reform Lies

Lie #1: President Obama wants to euthanize your grandma!!!

The truth: These accusations—of "death panels" and forced euthanasia—are, of course, flatly untrue. As an article from the Associated Press puts it: "No 'death panel' in health care bill."1 What's the real deal? Reform legislation includes a provision, supported by the AARP, to offer senior citizens access to a professional medical counselor who will provide them with information on preparing a living will and other issues facing older Americans.2

If you'd like to read the actual section of the legislation that spawned these outrageous claims (Section 1233 of H.R. 3200) for yourself, here it is. It's pretty boring stuff, which is why the accusations that it creates "death panels" is so absurd. But don't take our word for it, read it yourself.

Lie #2: Democrats are going to outlaw private insurance and force you into a government plan!!!

The truth: With reform, choices will increase, not decrease. Obama's reform plans will create a health insurance exchange, a one-stop shopping marketplace for affordable, high-quality insurance options.3 Included in the exchange is the public health insurance option—a nationwide plan with a broad network of providers—that will operate alongside private insurance companies, injecting competition into the market to drive quality up and costs down.4 If you're happy with your coverage and doctors, you can keep them.5 But the new public plan will expand choices to millions of businesses or individuals who choose to opt into it, including many who simply can't afford health care now.

Lie #3: President Obama wants to implement Soviet-style rationing!!!

The truth: Health care reform will expand access to high-quality health insurance, and give individuals, families, and businesses more choices for coverage. Right now, big corporations decide whether to give you coverage, what doctors you get to see, and whether a particular procedure or medicine is covered—that is rationed care. And a big part of reform is to stop that.

Health care reform will do away with some of the most nefarious aspects of this rationing: discrimination for pre-existing conditions, insurers that cancel coverage when you get sick, gender discrimination, and lifetime and yearly limits on coverage.6 And outside of that, as noted above, reform will increase insurance options, not force anyone into a rationed situation.

Lie #4: Obama is secretly plotting to cut senior citizens' Medicare benefits!!!

The truth: Health care reform plans will not reduce Medicare benefits.7 Reform includes savings from Medicare that are unrelated to patient care—in fact, the savings comes from cutting billions of dollars in overpayments to insurance companies and eliminating waste, fraud, and abuse.8

Lie #5: Obama's health care plan will bankrupt America!!!

The truth: We need health care reform now in order to prevent bankruptcy—to control spiraling costs that affect individuals, families, small businesses, and the American economy. Right now, we spend more than $2 trillion dollars a year on health care.9 The average family premium is projected to rise to over $22,000 in the next decade10—and each year, nearly a million people face bankruptcy because of medical expenses.11 Reform, with an affordable, high-quality public option that can spur competition, is necessary to bring down skyrocketing costs. Also, President Obama's reform plans would be fully paid for over 10 years and not add a penny to the deficit.

Source

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Friday, September 11, 2009

The Case for Healthcare Reform, Part 2

This is Part 2, for Part 1 click HERE.

In addition, a national development of a computerized records system, such as those pioneered by the Mayo and Cleveland Clinics which have helped enhance the outcome of its patients and have reduced the cost of healthcare, is an important goal. As for opportunities for the private sector in healthcare reform initiatives such as computerized records, many companies have already stepped in with their programs, such as Microsoft HealthVault, Google Health, and Dossia. Healthcare reform would mean a greater use for these services. This is an example that while private industry is integral in innovations in a free market, when there is an exclusive product or service that, if made more accessible to the entire population, would benefit all, then the government has a right to step in and make that happen.

These and other actions proposed by the President as well as countless economists and independent research organizations leads to lower long-term healthcare costs and a better lifestyle for everyone, with fewer worries. Take a look at Canada, the UK, France, or even Cuba; they have a nationalized healthcare system which includes 'perks' such as paid maternity leave that led to healthier, longer lives for their citizens and a more productive economy. Worries in the US about paying for the healthcare of illegal aliens is simply untrue, and is one of many lies fanned by such closed-minded reactionaries such as Newt Gingrich and Sarah Palin, who recently has conjured up terms such as "Obama's Death Panel."

The public option is also a major component of healthcare reform since it allows individuals and families to do what makes America a great capitalist nation: purchase the health plan of their choice. This creates more competition and makes HMOs lower their ridiculously high premiums and provide better value for the money to compete. The President's plan to also make individuals pay for basic health insurance (with certain exemptions) will ensure that the responsibility of staying healthy is shared by everyone, since an illness here will affect everyone else.

The need for healthcare reform in this great nation is best summed up by a quote from John Locke, one of the great Enlightenment philosophers whose ideas helped patriots establish the American government. In Locke's Second Treatise of Government, he said,
"This makes him willing to quit a condition, which, however free, is full of fears and continual dangers: and it is not without reason, that he seeks out, and is willing to join in society with others, who are already united, or have a mind to unite, for the mutual preservation of their lives, liberties and estates, which I call by the general name, property."
When our freedom is attacked, do we all not band together to defend it? This is the question we must ask ourselves now but for healthcare - can we risk continuing to fear whether or not our guardians of our health (doctors) and their employers (private insurance companies) are truly caring for our well-being whenever we get sick? More and more, we see doctor's pledges to the Hippocratic Oath being more and more overshadowed by the promise of pay from insurers. Or will we form a better society by investing in our physiologic and economic future by ensuring that everyone has the same fair access to healthcare that people better off get? Let us honor the late, great Senator Ted Kennedy, who fought for decades for better healthcare for Americans. Let us make the right choice as a united country for the betterment of ourselves and for our future generations. Let us say yes to the President’s healthcare reform.

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Thursday, September 10, 2009

The Case for Healthcare Reform, Part 1

We need healthcare reform NOW. This can be accomplished in two ways: 1) Regulating insurance companies; the word regulate being one of the most hated words in the Republican dictionary, and 2) Overhauling what HMOs can do and providing a Public Option, as the President has proposed. Frankly speaking, the most likely reform to pass will undoubtedly be the second option, although this does not mean I am on the GOP’s side. This article addresses why we need healthcare reform.

For too long, we have let the people of this country go without a security that if they get sick, they will be provided the necessary health coverage to get better. Insurance companies cannot be trusted based on its 30+ years history - they terminate a patient's health insurance when it becomes too costly for them. They pay doctors and hospitals for the amount of tests they conduct, rather than how much better the patient gets. They deny coverage to people which ends up costing everyone more through higher premiums by not giving them the proper care they deserved originally. A sick worker leads to lower productivity and increased costs for businesses as well as higher long-term costs in the world economy and increased burdens on future generations.

Republicans and Conservatives claim that the government will not be able to handle national healthcare since it already cannot effectively handle Medicare and other government-regulated industries. They claim that Medicare is bloated and that people should instead go and buy their own insurance. But if someone is sick, how can they possibly afford the time to review the offers of private insurance companies when the companies are only in for profit? President Nixon started Health Maintenance Organizations (HMOs) because it provided a way for private companies to earn a profit off our illness. True, having perfect competition is a key value of democracy and capitalism in America, and a free market with individual choice is key to ensuring the best quality. But when it comes to healthcare, something that is so integral to our lives, we just cannot trust large corporations who pocket our money for their happiness to ensure that we will be better off. From an insurance companies' point of view, if a patient is going to be too expensive to keep insuring, then they just cut them off, regardless of the fact that the patient has paid them continually beforehand for an assurance that they will be taken cared for in times of need. Is that not what insurance is for?

And trust me, I am not only behind healthcare reform for myself, I am also writing for my uncle, who for nearly a year has been in and out of area hospitals and has most recently been diagnosed with leukemia. What made my family’s dealing with this crisis worse was brought on by his insurance company's ridiculous terms. When the hospital chose to place him in a 1-person room, his HMO denied payment since they would only pay for his hospitalization’s room and board if he stayed in a "semi-private" (2-person) room. This dispute took place at a time when he was suffering immensely as a result of sometimes-failed treatments and numerous blood transfusions. Another incident was when he had to be rushed to the hospital after being released due to a sudden change in his condition. The HMO accused him for not notifying them beforehand about a hospitalization, but in an emergency, would anyone really be willing to spend precious time waiting on a phone with their insurer to let them know that they needed to go to the hospital? Besides, the hospital, with its numerous staff and resources, should have the responsibility to notify the insurance company.

Having the government step in and level the playing field is critical in the healthcare industry because they realize that since our tax dollars are being used to pay for it, there has to be a good return for the investment. Instead of waiting until a patient is sick to treat them, more emphasis is placed on ensuring that patients get better preventative treatment by increasing the availability of tests which help spot problems before they occur. Rewarding health practitioners for the quality of care rather than the quantity of care they give, the reverse of which was the status quo, is also a key goal of healthcare reform since it does not make sense for hospitals to release patients before they fully recover to only have them return soon for the same problem.

Part 2 - Conclusion - will be available tomorrow.

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Wednesday, September 2, 2009

Health Reform is NOT Socialist

President Obama's Healthcare reform is not socialist: just take a look at this TIME cartoon which illustrates that if Republicans had their way, there would be no such thing as public school in America. Where would we be without public options?

TIME Cartoon, Nick Anderson [http://www.time.com/time/cartoonsoftheweek/0,29489,1918017_1924071,00.html]

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Thursday, February 5, 2009

HAPPY 100!!!

HAPPY 100th PUBLISHED POST!!!!!

Yes, this is my 100th published post (more about the number at the end) and I just wanted to give a recap of my more than a year of posts while being a little self-congratulatory! My first post was published Wednesday, January 23, 2008 (Oops, forgot to celebrate that) on Mayor Bloomberg's new coalition with California Governor Schwarzenegger to build a better America (I misspelled the title when I first published it, hence the 'ayor' in the URL. :P)

Shortly after that, I started posting about the shortfalls and criticisms of the Bush Administration. Throughout the year, I published more of that but also included events in my personal life (such as my graduation), politics-especially about the 2008 Presidential Election, my position that the environment needs to get more attention and action, and better healthcare. I also moved my news reporting from my site to the blog.

As the year progressed, and I became a commuter, I began to be very passionate about the funding woes for New York City's (and the nation's) mass transit systems. I have watched the Metropolitan Transportation Authority's fiscal situation (MTA) go from somewhat hopeful (May) to desperate (today).

If I had to pick my most descriptive and passionate posts, I would have to go with Car #1224, and my series of posts about what an extraordinary mayor Mike Bloomberg is (he is one of my heroes.)

So, although I know that I don't have that much of a constant readership, and no one really does comment (maybe I should switch to Wordpress?), I will continue to blog about everything that happens in my life and in the world. I have always been lost before I started blogging; I've always wanted to share some info or thought with the rest of the world, but never truly had the means until this blog (I did experiment with posting my thoughts on a Geocities page, but haven't maintained it in a long while.) So thanks for reading through this celebratory post and for reliving my thoughts with me and I hope you will continue to come by every now and then. And of course, comments are always welcome. Just be nice. :)

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Last but not least, posts in the past week or two have included a "PostID." This is mainly for administrative purposes; a way to let me know the # of published posts / the # of unpublished posts (drafts). This has now given way to the "Published Post Number (PPN)," that is until I, in my rush to send a post hot from my keypad out inadvertently change it to something more easily remembered (PPID).

Published Post Number (PPN):100!/106

Monday, July 21, 2008

Insured by Michael Moore

Is your health insurance company denying you coverage? Are you not getting a crucial treatment because your HMO is greedy? Then join Michael Moore's SiCKO Health Care Program! Simply showing your card or blackmail your HMO and have a chance to live!


OK, maybe it won't work every time, but it is an interesting attempt at mocking the horrendous American health care scenario. And yes, I have seen his documentary, SiCKO. You should too.

>>>Michael Moore.com - What Can I Do: SiCKO Health Care Card

Monday, April 7, 2008

Reform (or get rid of) HMOs Now!

Apparently, the new health insurance plan I am now covered under only allocates one checkup for every two years. The recommended interval and the ones other major HMOs use is once every year. What happened?!?! Since a single checkup is expensive if someone does not have insurance or uses up more than the alloted amount, this creates a dilemma. Decreased checkups = less diagnoses of diseases, illnesses, or other ailments = a more sickly person = decreased productivity = decreased revenues for the business they are employed in = increased costs in paying for that worker's worsened health problems or hiring more workers to make up for the lost productivity! Abolish (or at least reform) HMOs now! It works in Canada, the UK, France, and Cuba, so why not the U.S.?