Tuesday, January 20, 2009

President Obama: Day 1


Day 1
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President Obama took office today. We wish him only the best. Should America continue the mistake of punishing those Americans in need while rewarding Americans in power, at the expense of her people’s future? We are in very precarious times. I am counting on President Obama to reverse many of the prior administration’s fatal economic blunders. Ignoring the Healthcare Crisis in America will be the next major bankruptcy should Congress and the President not do something during this administration.

Health insurance is cheap in America. Do not attempt to scare me healthy…my mortgage is cheaper and I am in default. Are you in default on your health thru your lifestyle? Is this a crisis or an opportunity? President Obama will make more history by solving the biggest social problem affecting our economy.

Privatize or Socialize?

Where does the money come from? Are taxpayers going to bear the brunt of socialized medicine? Does every taxpaying citizen deserve an unfair shake? Why are taxpayers paying for the uninsured illegal immigrants? If Medicaid decreases its financial criteria to catch the folks in a financial squeeze we should be able to insure the majority of our citizens (universal should only apply to US citizens, right?). Should it be illegal not to carry health-insurance?

Why you don't get it! It's by design? Do you have any responsibility in this? If you are healthy why would you need this now? What about the State versus the Feds? Consumer driven healthcare marks the end of an era, not the beginning of anything truly useful. If you know how to direct your own care, what do we need doctors for? HMOs, PPOs, point of service plans, indemnity plans and even supplemental plans can be used in many effective ways together, but they are not. Most people covered by health insurance don't even understand the plan design that they selected or which has been selected for them in the case of group health insurance. They don't understand what an uncovered benefit is or what contribution levels are.

Contribute before or after taxes?

COBRA rights and continuation of coverage options should be clear to people who are forced to end their health insurance plan. The quality of care is not being addressed well enough by any insurance company. Shouldn’t the quality of care be addressed by the medical profession? Whose grave are they digging anyway? The high utilizers of their benefits plans have many options that have been not been taught to them. It is important in the new era of health-insurance that members learn how to use their plans effectively.

Crisis...

Can we live with a crisis-oriented medical delivery system? Can we still afford it? It is taking over our economy. Where can the biggest savings be realized to fix our current healthcare system and maintain its dignity and integrity as the most sophisticated medical delivery system of health care and possibly insurance in the world? What is a consumer’s part in changing our medical system for the good of all America?

Information means education

Technology can compliment the flow of information. Patients and doctors will benefit together using the flow of information. Many diseases can be completely avoided from lifestyle changes. When you get sick how do you know what you need? What is medically necessary? Well, “I want it done” is what I say. After all, I am the consumer that is directing my care and you are paying for it. I don’t feel that way because my premiums are as much as my mortgage. I am paying for it. Or maybe I am just uninsured? Transparency really uncovers a lot, doesn’t it? Sometimes you get what you pay for. How will the chance of my illness affect my family or my loved ones or my work productivity?

Can I afford to be sick? What is my Employer doing to help me? What kind of protection do we have now? How will the system save me in the event I can't afford it any longer? How can I get health insurance protection when I am sick and unemployed…it’s too late now. Thanks for no protection.

What could we do now to make the U. S. healthcare system better? Now that is a question worth asking. Take some personal responsibility.

Exercise and diet

Make your healthcare a priority. You are what you eat. Your health is your wealth. Why have these expressions won the test of time?

How can technology benefit us? Shouldn't all doctors who practice medicine be online with all health-insurance companies that they do business with or all of the vendors in healthcare? Shouldn't all medical records be available online with a personal password so that when we access urgent or emergency care, the providers who are saving us, are enabled to access critical information instantly?

Shouldn’t any Doctor or provider of medical services be forced to carry malpractice insurance? It seems ancient and perverse to ask these questions of undeniably the most inefficient and expensive health care system in the world.
Eliminate fraud and its nasty attachments. Public programs might help....

Is the government really good at this? Medicare, Medicaid, healthy kids? Do you know that the U.S. government reimburses physicians and hospitals and at a higher rate than health-insurance companies do in America? Where is that extra money going? What message are we giving providers? The watchdog is sleeping and the greedy are getting richer at our expense. Sound familiar?

So what are you doing? What is your part? What is your responsibility? Why don’t you care?

President Obama said that healthcare should be a right. I hope I can help him accomplish just that and I make my living selling health insurance to corporations. Is it truly a right to live an unhealthy lifestyle that leads to being unhealthy, less productive and more costly for those who participate in paying premiums for health insurance of any kind?

Should there be a penalty for those who inflict unhealthy lifestyle choices upon themselves that lead to disease? What about companies? What if it is psychological? Oh, insurance doesn’t reimburse for that. What about those truly in need? What about those American citizens who are born with birth defects, mental illness, diabetes or other critical illnesses? Where is our social responsibility? Is it in oil or war? What about American rights in America?

Does your health insurance disease management program help lower costs? What about a society embracing the concept of evidence-based medicine? How good is evidence-based medicine? The proof is in the pudding.
If it's my responsibility as a patient or member of the health plan who is accessing their benefits to know my plan and to use it effectively, why would I not be doing research to increase the probability of a successful outcome for my particular procedure or interaction with the medical system? Perhaps I don’t have access to that information. Why is a cup of coffee for five dollars more important than your health?

Consumers go to doctors because they do not know how to direct their care

This concept of Consumer Driven Care sold to the government and providers is foundationally irrational. Why do we need to go to doctors if all of us can direct our own care? Transparency which exposes cost is simply based upon supply and demand and not quality. I know because I consult to providers on their reimbursement contracts with health insurance companies. Once again, size matters. Quality is an afterthought.

HEDIS, (health education data information set) is not enough and it is a process that consumers do not understand. Yes, if you work for a health insurer you might have some vague understanding. There are standards that are enforced upon health insurance companies and their providers that do not result in better outcomes and therefore less expensive care, because these standards do not make for better outcomes. They increase cost. The stamp of approval is like the road to hell being paved with good intentions. The cycle of life and the supply and demand curve within health care itself are some of the most challenging issues.

America is the world’s leader in medical advances. We have the best access to care anywhere in the world and better yet, some of the greatest trained practitioners in the world. Why is the system so messed up? Ask for my book, “The War on Medical Terrorism” and find out how you can be part of the solution. I am convinced that President Obama must address healthcare head on.

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