Comments on: Grading the Candidates http://www.john-goodman-blog.com/grading-the-candidates/ Insights on Health Care Reform | NCPA Wed, 17 Mar 2010 06:14:59 -0500 http://wordpress.org/?v=2.8.4 hourly 1 By: LN Shapely http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-29355 LN Shapely Tue, 08 Jan 2008 22:13:14 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-29355 I am a state certified Caregiver in Washington. Most of the clients I help are through DSHS, our department of social services. I make $10.10/hour plus health coverage, the first I've had on the job since the early 80's. I would not trade my life for theirs for big bucks, let me preface the following statements, yet.... I am surrounded in this small town by welfarized, food bank eating lazy people. They are not uneducated by any means. They live in today's welfare state. ALL their medical care is paid for. ALL their drugs are paid for, and believe me, many of my clients take 5-10 prescription drugs each day. They go to SPECIALISTS, PHYSICAL THERAPY, PSYCHOLOGICAL THERAPY, DOCTORS,and DENTISTS WHEN EVER THEY WANT...MANY TIMES A WEEK! They are hospitalized if necessary, and set up in comfortable nursing care facilities for recovery if necessary. ALL FOR "FREE." Free to THEM. Not to me. These clients, some who live with spouses and grown children who CHOOSE NOT TO WORK OR THEY'D LOSE THESE FREE BENEFITS, have CELL PHONES, SATELLITE TV, numerous computers, high speed internet, plenty of food in the house (esp. if they are receiving food stamps), and this year my client bought her kids hundreds of $$$$ worth of electronic gadgets for Christmas. And how can they afford such luxuries THAT I CANNOT AFFORD? Because they don't PAY FOR FOOD, MEDICAL CARE, health insurance, and receive welfare and disability. They mooch off the food bank and work side jobs they don't report. Child support payments are not included in the adult's "income." My current client has been referred to an endocrinologist. We are traveling via FERRY into Seattle , U of WA. My client can call the WA state ferry system and get FREE PASSES for the car (which runs about $28/RT) , MY CAR, which along with my services 130 hours EACH MONTH come to her FOR "FREE." I have neighbors who do everything in their power to milk the system and think NOTHING of it. Like I said, it is prevalent and growing worse. For my entire adult life, barring brief coverage from employers, I have PURCHASED major medical insurance at low cost with a high deductible. I am a widowed single mother now for 14 years. I have covered my child along with me on these policies and go to doctors when necessary. Currently, I pay about $76/ per MONTH for my daughter's private insurance. Unfortunately, the worst happened last year and she was hospitalized for 2 weeks in Seattle. I thank the gods and goddesses for this insurance. Her bills totaled about $50,000, which were negotiated down with the insurance company, leaving me with expensive, yet manageable bills which I am making monthly payments on. ME, sir. I pay the bills. I pay them all. I also pay for the deadbeat society we have created and the "major" candiddead beat all buying into: The FED is going to fix it. The FED will take care of you. The question is not WHICH grotesque health plan the government will choose, or which tax abatement. The question is WHY anyone thinks health insurance needs to be $7200/year??? Why does the average person need $600 worth of medical care each month? They don't. It is economically asinine to pay for insurance which the great majority of time is more than the medical care ever received. This is the real world. This is not conjecture. I live in their world 5 days a week. Everyone who asks for medical care, gets it...on my dime. I'm sick of it. We are marching down the socialist path and it frightens me. My European (expatriate) friends totally agree and are more frightened than I am. They have lived with socialized societies and LEFT there to be FREE. Also, just a note here to remind you to refrain from suggesting who the "major candidates" are. Even since your article, Jan. 1st, Huckabee won in Iowa and you didn't even mention him. I am a Ron Paul supporter. He raised $20 million in the last quarter of 2007, a record breaking amount from supporters just like me. You didn't mention him either. He is equal to McCain in major polls and the Internet darling of freedom loving patriots. I am a state certified Caregiver in Washington. Most of the clients I help are through DSHS, our department of social services. I make $10.10/hour plus health coverage, the first I’ve had on the job since the early 80’s. I would not trade my life for theirs for big bucks, let me preface the following statements, yet….

I am surrounded in this small town by welfarized, food bank eating lazy people. They are not uneducated by any means. They live in today’s welfare state. ALL their medical care is paid for. ALL their drugs are paid for, and believe me, many of my clients take 5-10 prescription drugs each day. They go to SPECIALISTS, PHYSICAL THERAPY, PSYCHOLOGICAL THERAPY, DOCTORS,and DENTISTS WHEN EVER THEY WANT…MANY TIMES A WEEK! They are hospitalized if necessary, and set up in comfortable nursing care facilities for recovery if necessary. ALL FOR “FREE.” Free to THEM. Not to me.

These clients, some who live with spouses and grown children who CHOOSE NOT TO WORK OR THEY’D LOSE THESE FREE BENEFITS, have CELL PHONES, SATELLITE TV, numerous computers, high speed internet, plenty of food in the house (esp. if they are receiving food stamps), and this year my client bought her kids hundreds of $$$$ worth of electronic gadgets for Christmas.

And how can they afford such luxuries THAT I CANNOT AFFORD? Because they don’t PAY FOR FOOD, MEDICAL CARE, health insurance, and receive welfare and disability. They mooch off the food bank and work side jobs they don’t report. Child support payments are not included in the adult’s “income.”

My current client has been referred to an endocrinologist. We are traveling via FERRY into Seattle , U of WA. My client can call the WA state ferry system and get FREE PASSES for the car (which runs about $28/RT) , MY CAR, which along with my services 130 hours EACH MONTH come to her FOR “FREE.”

I have neighbors who do everything in their power to milk the system and think NOTHING of it. Like I said, it is prevalent and growing worse.

For my entire adult life, barring brief coverage from employers, I have PURCHASED major medical insurance at low cost with a high deductible. I am a widowed single mother now for 14 years. I have covered my child along with me on these policies and go to doctors when necessary. Currently, I pay about $76/ per MONTH for my daughter’s private insurance.

Unfortunately, the worst happened last year and she was hospitalized for 2 weeks in Seattle. I thank the gods and goddesses for this insurance. Her bills totaled about $50,000, which were negotiated down with the insurance company, leaving me with expensive, yet manageable bills which I am making monthly payments on.

ME, sir. I pay the bills. I pay them all. I also pay for the deadbeat society we have created and the “major” candiddead beat all buying into: The FED is going to fix it. The FED will take care of you.

The question is not WHICH grotesque health plan the government will choose, or which tax abatement. The question is WHY anyone thinks health insurance needs to be $7200/year??? Why does the average person need $600 worth of medical care each month? They don’t. It is economically asinine to pay for insurance which the great majority of time is more than the medical care ever received.

This is the real world. This is not conjecture. I live in their world 5 days a week. Everyone who asks for medical care, gets it…on my dime. I’m sick of it. We are marching down the socialist path and it frightens me. My European (expatriate) friends totally agree and are more frightened than I am. They have lived with socialized societies and LEFT there to be FREE.

Also, just a note here to remind you to refrain from suggesting who the “major candidates” are. Even since your article, Jan. 1st, Huckabee won in Iowa and you didn’t even mention him. I am a Ron Paul supporter. He raised $20 million in the last quarter of 2007, a record breaking amount from supporters just like me. You didn’t mention him either. He is equal to McCain in major polls and the Internet darling of freedom loving patriots.

]]> By: Cary Lewis http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-25144 Cary Lewis Thu, 29 Nov 2007 00:49:05 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-25144 Any move towards Universal Health Care would push our health care crisis over the edge of disaster. Consumer-centered health care is a great idea and the best solution to our current crisis. Republican's are pointed in the right direction, but have no clue how to actually put their plan into action. Our health care system has a missing link - Preventive Health Care. Our current system is based on responding to acute problems, urgent needs of patients, and pressing concerns. Testing, diagnosing, relieving symptoms, and expecting a cure are hallmarks of contemporary health care. While these functions are appropriate for acute and episodic health problems, a notable disparity occurs when applying this model of care to the prevention and management of chronic conditions. Preventive health care is inherently different from health care for acute problems, and in this regard, our current health care system falls remarkably short. Incorporate preventive health care, provide flexible health savings accounts, and lower health insurance costs for people enrolled in certified prevention programs and you will see quality rise while costs continue to decline. Any move towards Universal Health Care would push our health care crisis over the edge of disaster. Consumer-centered health care is a great idea and the best solution to our current crisis. Republican’s are pointed in the right direction, but have no clue how to actually put their plan into action.

Our health care system has a missing link – Preventive Health Care. Our current system is based on responding to acute problems, urgent needs of patients, and pressing concerns. Testing, diagnosing, relieving symptoms, and expecting a cure are hallmarks of contemporary health care. While these functions are appropriate for acute and episodic health problems, a notable disparity occurs when applying this model of care to the prevention and management of chronic conditions.

Preventive health care is inherently different from health care for acute problems, and in this regard, our current health care system falls remarkably short.

Incorporate preventive health care, provide flexible health savings accounts, and lower health insurance costs for people enrolled in certified prevention programs and you will see quality rise while costs continue to decline.

]]> By: Bilaal Ahmed http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-24279 Bilaal Ahmed Mon, 19 Nov 2007 17:14:56 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-24279 Mitt Romney still rides on some success of his state's bi-partisan healthcare setup in promoting a federalist model, whereas Guliani opposes federal mandates (something that you clearly advocate). It's interesting to see how state legislatures are creating comprehensive healthcare programs (http://digg.com/health/Curses_or_Cures_State_Regulations_Hospital_Creditors) following initiatives in a few New England states. You should check out the outcome of what will happen in California; it's likely that the future national plan will look very similar to it. Mitt Romney still rides on some success of his state’s bi-partisan healthcare setup in promoting a federalist model, whereas Guliani opposes federal mandates (something that you clearly advocate).

It’s interesting to see how state legislatures are creating comprehensive healthcare programs (http://digg.com/health/Curses_or_Cures_State_Regulations_Hospital_Creditors) following initiatives in a few New England states. You should check out the outcome of what will happen in California; it’s likely that the future national plan will look very similar to it.

]]> By: Tom http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-23169 Tom Wed, 07 Nov 2007 17:58:00 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-23169 It looks like our best candidate is Rudy. Any special thoughts on him? It looks like our best candidate is Rudy. Any special thoughts on him?

]]> By: Roger Beauchamp http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-23167 Roger Beauchamp Wed, 07 Nov 2007 17:56:17 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-23167 The McCain plan ignores the basic psychology of human behavior. It will be viewed as taking away something most citizens value, their present employment based coverage. It will probably require that the credit be applied toward health care insurance, proping up our costly, inefficient third-party payment system. I give it little credence. Frankly, I do not see a psychologically defenseable plan being advanced by any conservative candidate. Absent one, costs will continue to escalate strenghtening the hand of the single payer advocates. The McCain plan ignores the basic psychology of human behavior. It will be viewed as taking away something most citizens value, their present employment based coverage. It will probably require that the credit be applied toward health care insurance, proping up our costly, inefficient third-party payment system. I give it little credence. Frankly, I do not see a psychologically defenseable plan being advanced by any conservative candidate. Absent one, costs will continue to escalate strenghtening the hand of the single payer advocates.

]]> By: Beverly Gossage http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-22931 Beverly Gossage Mon, 05 Nov 2007 20:57:49 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-22931 Excellent evaluation! Thanks for what you do. Excellent evaluation! Thanks for what you do.

]]> By: Chris Ewin http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-22930 Chris Ewin Mon, 05 Nov 2007 20:56:47 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-22930 Thanks..well-written and to the point... In terms of access to quality primary care at a reasonable price, I hope you consider mentioning the entrepreneurial solutions physicians in SIMPD have created. Thanks..well-written and to the point…
In terms of access to quality primary care at a reasonable price, I hope you consider mentioning the entrepreneurial solutions physicians in SIMPD have created.

]]> By: Raymond Lehmann http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-22928 Raymond Lehmann Mon, 05 Nov 2007 20:54:57 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-22928 I'm wondering about this comment: "I cannot resist commenting on one more reform idea. Sen. Clinton has repeatedly stressed that insurance premiums should be totally unrelated to health status. But they are already largely unrelated. Do you suppose she intends to go all the way - allowing people (no matter how sick) to enroll in any plan at the drop of a hat? If so, the number of uninsured would double or triple. (Why pay expensive premiums when you are healthy if insurance is always available once you get sick.) The problem with grading her plan is: do we take her statements seriously?" There's no question that community rating and guaranteed issue combine to create a huge adverse selection problem, but it strikes me that that was the whole point the individual mandate, which you earlier had said you opposed. I think it's clear that such a system would, in practice, amount to taxing young, healthy males to subsidize everyone else's coverage, but certainly you realize that the two planks in the plan are complimentary to one another, much as they are in the plan Romney enacted. Isn't it somewhat disingenuous to make this comment without recognizing that Sen. Clinton's plan wouldn't ALLOW people to opt not to insure themselves? I'm wondering about this comment: "I cannot resist commenting on one more reform idea. Sen. Clinton has repeatedly stressed that insurance premiums should be totally unrelated to health status. But they are already largely unrelated. Do you suppose she intends to go all the way – allowing people (no matter how sick) to enroll in any plan at the drop of a hat? If so, the number of uninsured would double or triple. (Why pay expensive premiums when you are healthy if insurance is always available once you get sick.) The problem with grading her plan is: do we take her statements seriously?" There's no question that community rating and guaranteed issue combine to create a huge adverse selection problem, but it strikes me that that was the whole point the individual mandate, which you earlier had said you opposed. I think it's clear that such a system would, in practice, amount to taxing young, healthy males to subsidize everyone else's coverage, but certainly you realize that the two planks in the plan are complimentary to one another, much as they are in the plan Romney enacted. Isn't it somewhat disingenuous to make this comment without recognizing that Sen. Clinton's plan wouldn't ALLOW people to opt not to insure themselves?

]]> By: Art Jetter http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-22927 Art Jetter Mon, 05 Nov 2007 20:53:28 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-22927 New Jersey has individual rates that are a result of the same kind of reform as in your last paragraph. - Insurance carriers were forced to leave the state. - Many thousands have dropped their coverage. - Rates went through the roof. The reform program: http://www.state.nj.us/dobi/ihcpage.htm Monthly Premiums: http://www.state.nj.us/dobi/division_insurance/ihcseh/ihcratepage_sp.pdf MONTHLY PREMIUMS FOR FAMILY COVERAGE - PLAN D DEDUCTIBLES $1,000 $2,500 ------ ------ Aetna Life Insurance Company $ 6,089 $ 5,223 Celtic Insurance Company 14,062 12,375 Horizon Blue Cross Blue Shield of NJ 6,547 3,678 Oxford Health Insurance Company 3,799 2,790 Oxford Health Insurance Company (PPO) 1,743 Substantial reduction in insured individuals since reform: New Jersey has individual rates that are a result of the same kind of reform as in your last paragraph. – Insurance carriers were forced to leave the state. – Many thousands have dropped their coverage. – Rates went through the roof. The reform program: http://www.state.nj.us/dobi/ihcpage.htm Monthly Premiums: http://www.state.nj.us/dobi/division_insurance/ihcseh/ihcratepage_sp.pdf MONTHLY PREMIUMS FOR FAMILY COVERAGE – PLAN D DEDUCTIBLES $1,000 $2,500 —— —— Aetna Life Insurance Company $ 6,089 $ 5,223 Celtic Insurance Company 14,062 12,375 Horizon Blue Cross Blue Shield of NJ 6,547 3,678 Oxford Health Insurance Company 3,799 2,790 Oxford Health Insurance Company (PPO) 1,743 Substantial reduction in insured individuals since reform:

]]> By: Joel Kahn http://www.john-goodman-blog.com/grading-the-candidates/comment-page-1/#comment-22926 Joel Kahn Mon, 05 Nov 2007 20:51:50 +0000 http://www.john-goodman-blog.com/grading-the-candidates/#comment-22926 I’m not sure how to interpret your post. You claim that Clinton wants everyone to be insured, whether they want to or not, and then you close your email with the system would be bankrupt since healthy people won’t buy health insurance only the sick one’s will. I have to assume that one reason her plan would even have a chance at success is because everyone needs to be insured, otherwise anti-selection would prevail. It sounds like you are cherry picking issues and not looking at the total plan. I’m not sure how to interpret your post. You claim that Clinton wants everyone to be insured, whether they want to or not, and then you close your email with the system would be bankrupt since healthy people won’t buy health insurance only the sick one’s will. I have to assume that one reason her plan would even have a chance at success is because everyone needs to be insured, otherwise anti-selection would prevail. It sounds like you are cherry picking issues and not looking at the total plan.

]]>