me Me ME

I couldn’t write. I was too agitated to write. Now for someone like me who seems to write principally to vent, agitation is a useful state. Sometimes it is the starting point. But I have been handcuffed for over a week.

“If Congress really wanted to balance the budget,” I heard an elderly man say. “They could stop spending our money on things like…” an elderly woman continued. Turning my attention to the television, I found a parade of senior citizens complaining about the federal government having the nerve to allocate funds for anything other than their health, welfare, and happiness. Some of the claims were bogus, some merely exaggerations. The total of all of the alleged expenditures wasn’t enough to change anything. The commercial, sponsored by AARP, was simply one more salvo in the ongoing budget debate.

We are all in agreement that sacrifices need to be made. We are waiting for YOU to make them.

The nursing homes in Ohio feel that they are entitled to a larger and larger share of the State of Ohio’s budget. Deliver Medicaid care at home? Unthinkable. Thus we are treated to aged, decrepit seniors crying into the camera. “Please don’t take my dignity,” said the 200 year old guy wearing the Veterans of Foreign War hat. Too late. That ship has already sailed.

I heard the familiar strains of You Only Hurt The One You Love. The television screen was filled with sick people. The American Hospital Association wants you to know that cuts in federal funding will have an immediate impact on the elderly, children and the disabled. And just in case you have the sound off, their ad concludes with the camera focusing on the unhappy child in a wheelchair.

We in Greater Cleveland know how the hospitals have been suffering. It has been almost a week since a new facility opened!

We are in year two of the President’s health care reform. The Patient Protection and Affordable Care Act has succeeded in keeping a smattering of adult children on their parents’ policies. It has eliminated policies that covered only children. It has cost millions of dollars for compliance. But, the PPACA has not reformed health care.

You may not like insurance companies. Hell, I’m an insurance agent. There are lots of days that I don’t like insurance companies. But, you can’t reform health care without addressing the cost of medical care and how it is delivered. And no one is more change resistant than the medical industry when the subject is money.

Every time the government proposes a cut in the funding or even the growth of funding of medical care, we see more costs shifted to those who are covered by private insurance and the television commercials reappear. My goal is to eventually be one of those elderly actors. I bet AARP pays well.

We have yet to have a serious discussion. And it is hard to blame the doctors. Do you want to take a pay cut? Would you want to work more, see more patients, for the same money, or G-d forbid, less? Everyone involved, from the lab techs to the hospital administrators, has the same argument. And until anything happens, all of the participants are staking out their territory.

We are all in agreement that sacrifices need to be made. We are waiting for YOU to make them.

Somewhere there is someone reading this who is pounding the table and yelling, “Take the profit out of healthcare!” Balderdash. There is profit at every step. The doctors aren’t volunteers. The labs, the pharmacies, the drug companies, the equipment manufacturers, the company that cleans the linens, they all expect to be paid for their efforts and rewarded for their risks.

Of course, we could bring all of this under government control. Wouldn’t that solve everything? A recent Wall Street Journal article detailed the incredible cost (waste) when people are covered by both Medicare and Medicaid. Medicare is a federal program. Medicaid is controlled by the individual states with a partial reimbursement from Washington. There are 9.7 million patients covered by both systems. “Dual Eligibles” have disproportionately higher claims as they expose the inefficiencies of the two programs and their inability to effectively coordinate care. The examples in this article will give you pause.

The answer won’t be found in a scary commercial. Old veterans and disabled children are just stage props. We understand that there aren’t any 2011 Cadillacs waiting for us at the corner used car lot. At some point we have to decide what health care we really want and how much we can and will spend. Those tasks are still waiting for Congress, Republicans and Democrats, to tackle with the President. The business models will work themselves out, once those questions are answered.

And will someone please get the child actor in that wheelchair a teddy bear?

This entry was posted in Uncategorized. Bookmark the permalink.

8 Responses to me Me ME

  1. Sandy says:

    It’s all orchestrated, Dave. Don’t you hear the violins????????
    Balderdash? Did you say Balderdash?? You’re the only person other than myself I’ve heard say that word in years. Once again (really!) your aggravation takes the form of — sanity in an insane world!

  2. Jen K says:

    This would all be solved if doctors would just help us out of the goodness of their hearts. Police officers should also help us out of the goodness of their hearts. Farmers shouldn’t profit from our need to eat and how dare school teachers charge us to help a child grow.

    Oh I’m sorry – we’re in the real world where we all perform a service or create a good and expect to be compensated. Of course healthcare isn’t free – even if a governing body is paying we’re all really paying.

  3. ej says:

    the world is deaf to our cries…unless we have the cha-ching to wake them up and listen — yet even then, the ring tolls for no one…

  4. RNNN says:

    Doctors have been taking pay cuts over the last several years, even before the PPACA. One would be surprised at what a Dr. parking lot looks like now. It is not, except for a few, the BMWs, Mercedes and Cadillacs that once resided there. There are more Hondas and Toyotas, even Chevys in our parking lot now, and they are not the top fo the line models. There are a couple Honda CRVs which is what I drive and I know one belongs to a Clinic cardiologist. I also have a friend who is a Clinic eye surgeon, has for the last at least 3 years that I know of, seen more patients, for less time, for less money. He drives a Chrysler Sebring convertible, which is now several years old. Remember, these guys have sacrificed at least 9 to 10 years of their lives to go to school so they can save yours, or save your eyesight, or a loved one’s of yours. Medicare cuts on Dr. compensation has already been going on. The older this population gets, the more Medicare patients a Dr. sees, thus working for the lesser pay. The only ones that still seem to really make big money are surgeons that do more elective surgeries on patients with private insurance. But yes, the bottom line is, healthcare costs are way high. But it doesn’t matter what charges are made even to private insurance. What they pay, they pay. Have you looked at your statements lately?? For example, from some of our own recent insurance statements– charge $17.00 —> actual amt paid $6.12, not even half. Charge $135.00 –> actual amt pd $55.28, way less than half. Thankfully we are not responsible for the balance except for some co-pays when actually seeing a doctor, $10 to $35 co-pays. I have my own idea about some of this: Costs are high because reimbursement is low. They know they will get a percentage or a set amt of a charge, so they charge high to get what they need to get or need to make a living. Just my two cents worth.

  5. says:

    Two other comments posted on the blogger site:

    chandra said…
    Thanks for standing up for a choice!Very informative entry! thank you.
    Health Questionnaire

    July 8, 2011 4:22 AM
    northern ireland insurance brokers said…
    I am glad that someone is making his voice heard. I learned a lot from your post. I am hoping that they’ll be more like you in the future. Thank you for sharing your post.

  6. car repos says:

    I think I am going to look for the theme that is used in your blog. It is very neat and attractive at the same time.

  7. Alane Harradine says:

    I think this is one of the most significant information for me. And i am glad reading your article. But wanna remark on some general things, The website style is wonderful, the articles is really excellent : D. Good job, cheers

  8. says:

    I think the spam comments are kind of fun. I just removed the emails and the links from the last two comments so that no one catches a “virus”.

Leave a Reply

Your email address will not be published. Required fields are marked *

Time limit is exhausted. Please reload CAPTCHA.

This site uses Akismet to reduce spam. Learn how your comment data is processed.