On the current national quarrel
Whoops. She's right — lewlew, that is, when she remarked on the last paragraph in yesterday's musing about the current health-care quarrel.
And I knew these luxuries were provided with money that should have been used to more fully reimburse the expenses of customers who were told the policies they purchased only covered a certain percentage of the cost, leaving them with bills for thousands of dollars.
The current quarrel regards whether this status quo is acceptable, or whether the process should be placed in the hands of a non-productive class of greedy souls who seize the income of the producers by guile and force, then redistribute it for a variety of bribes and acts of violence, saving a significant chunk for themselves.
The insurance industry has generally failed its customers while executives bask in personal and collective luxuries, opening the door for the fear-mongers to grab a piece of the action.
At the root of the problem is that we have become to believe in a system where I make a token investment in my own personal health but someone else — either a private company or Big Brother — should pay the bulk of the cost, leaving me free to purchase video-game systems and iPhones and other pretty toys.
It seems ensuring my healthy survival should be a higher personal priority — especially when the third party I hire insists on making judgment calls (as it has the right under the golden rule — "he who has the gold makes the rules") regarding how my doctor and I wish to spend the money it is providing for my medical bills. In a perfect world, the doctor tells me a reasonable price to cover his/her costs and an appropriate profit, and I hand over the cash or arrange installments.
Instead the medical payment system is as convoluted as any Internal Revenue Service process, and the simplest medical procedure comes with multiple bills and fiscal surprises. However, to reinvent the system to give more power to the creators of the IRS seems foolhardy to the maximum.
I don't have the answer. Well, no, I think I do: Give me the responsibility for the cost of all of my routine care, and I'll buy some of that insurance for catastrophic medical needs. Eliminate the middlemen and -women and the lawyers and the politicians from the process, and perhaps the doctors won't have to charge me as much as they do now.
Some people, economically wiser than I was in my youth and early middle age, already fund their health care like that. It works so well for them that the politicians are crafting a bill that would take that choice away, penalizing those who choose not to purchase a basic insurance policy and prohibiting the purchase of individual policies.
The lack of squealing from the insurance lords tells me that they'll still receive an adequate piece of the pie to keep the comfortable edifices they built with our premiums. And the politicians will keep their limousines and private planes and expensive suits; perhaps they'll even exempt themselves from the monstrous system they're creating for the masses.
People are raising their voices and objecting because it's clear they're watching a shell game. Almost everyone agrees medical decisions should be made by patients and their doctors. Neither the status quo nor the proposed solutions addresses this basic agreement.
If the insurance companies, over the past several decades, only had shown some inclination toward helping people meet their health-care expenses as opposed to building shrines for themselves and their employees, perhaps the power-grabbers would not have sensed an opportunity.I have long been of the opinion that the goal of an insurance company is first to keep your premium in its possession for the longest possible time. I have watched mighty edifices constructed along highways, gleaming architectural tributes to the insurance industry. I have taken tours and seen the expansive fitness centers and tasted the delicious food in the cafeterias where the insurance company minions went when they were not in their cubicles — or, in the case of the executives, when they were not in the well-furnished offices that were larger than the modest offices where I and a dozen other people toiled.
Aren't you supposed to grab your audience with the lead in the first paragraph? =)
In a nutshell, this is the largest shell game shilling the consumer in need of medical care. You hit the issue spot on in that one lovely sentence. I wish solving our need for medical care without nannyship and red tape were as eloquent. Harrumph!
And I knew these luxuries were provided with money that should have been used to more fully reimburse the expenses of customers who were told the policies they purchased only covered a certain percentage of the cost, leaving them with bills for thousands of dollars.
The current quarrel regards whether this status quo is acceptable, or whether the process should be placed in the hands of a non-productive class of greedy souls who seize the income of the producers by guile and force, then redistribute it for a variety of bribes and acts of violence, saving a significant chunk for themselves.
The insurance industry has generally failed its customers while executives bask in personal and collective luxuries, opening the door for the fear-mongers to grab a piece of the action.
At the root of the problem is that we have become to believe in a system where I make a token investment in my own personal health but someone else — either a private company or Big Brother — should pay the bulk of the cost, leaving me free to purchase video-game systems and iPhones and other pretty toys.
It seems ensuring my healthy survival should be a higher personal priority — especially when the third party I hire insists on making judgment calls (as it has the right under the golden rule — "he who has the gold makes the rules") regarding how my doctor and I wish to spend the money it is providing for my medical bills. In a perfect world, the doctor tells me a reasonable price to cover his/her costs and an appropriate profit, and I hand over the cash or arrange installments.
Instead the medical payment system is as convoluted as any Internal Revenue Service process, and the simplest medical procedure comes with multiple bills and fiscal surprises. However, to reinvent the system to give more power to the creators of the IRS seems foolhardy to the maximum.
I don't have the answer. Well, no, I think I do: Give me the responsibility for the cost of all of my routine care, and I'll buy some of that insurance for catastrophic medical needs. Eliminate the middlemen and -women and the lawyers and the politicians from the process, and perhaps the doctors won't have to charge me as much as they do now.
Some people, economically wiser than I was in my youth and early middle age, already fund their health care like that. It works so well for them that the politicians are crafting a bill that would take that choice away, penalizing those who choose not to purchase a basic insurance policy and prohibiting the purchase of individual policies.
The lack of squealing from the insurance lords tells me that they'll still receive an adequate piece of the pie to keep the comfortable edifices they built with our premiums. And the politicians will keep their limousines and private planes and expensive suits; perhaps they'll even exempt themselves from the monstrous system they're creating for the masses.
People are raising their voices and objecting because it's clear they're watching a shell game. Almost everyone agrees medical decisions should be made by patients and their doctors. Neither the status quo nor the proposed solutions addresses this basic agreement.
Labels: Big Brother, health care industry
posted by B.W. Richardson at
7:49 AM
2 Comments
