Atleast I wasn't the only one...

Exposing your thoughts, feelings, and opinions to the world for scrutiny can prove to be difficult, if not, outright painful. One such occasion was the assertion that the current Health care Reform Bill is basically a Ponzi scheme. The angry replies bombarded my email after this blog post.

Steve Rosenbaum illustrates in a Huffinton Post article that we are already in a state of "pay it forward" in hopes that our health care will be there when we need it. Meanwhile, the art of denying claims and excluding high risk patients has infiltrated every insurance company and in my opinion, the leading offender: Medicare.

So what's the solution?

A bigger, broader, unconstitutional mandate to require health insurance in a massive bill that will not take effect for 3 years or more.

Rosenbaum presents these solutions:

Doctors Lead Care: Rosenbaum states "doctors seem to be the ones who have the least say in the system. They've got huge risks in insurance claims and their own legal exposure. At the same time, they appear to have less and less of a voice in decisions about how they treat their patients and how they can provide proper care."

Unfortunately it's important to note that the AMA and other organizations protect their own. The old 80/20 rule applies here: most of the abusers of the system and malpractice claims are a minority of repeat offenders.

I agree the physician needs to have more control of care without regard to "what is covered" or having to run unnecessary tests to "cover their behind"


Health Care Court: Rosenbaum suggests creating "a court that can mediate and rule on conflicts between patients and insurance companies"

Rosenbaum presents an argument laced with good intentions but isn't true TORT reform. "Medical Necessity" has been highjacked by Medicare's cost control panels and the recent Mammogram treatment program illustrates how the government will manuever to cut benefits.

Faith in the "record of precedent" within the legal system is admitting that there's a slippery slope of judgments and lawsuits. We'd be moving the problem through more red tape even though the premise sounds good at first.



Choices and Options: "While people may be against the 'public' option that sounds like health care provided by the post office or DMV, the reality is that private options are narrowing, not expanding."

Yes. Rosenbaum's assertion is accurate, but this reform bill will escalate the problem NOT fix it. The caps on premiums, pre-existing coverage requirements and other regulation will spell the death of many small carriers.

Rosenbaum scratches at the surface: catastrophic health care -- but we need to couple this focus with HSA (Health Spending Accounts) and enable more competition to allow interstate commerce to lower prices.


Whether arguing that the current plan is a "pay-it-forward" system or that the current bill is a large scale Ponzi scheme, one thing is clear: the system needs major changes.

As stated previously, this just isn't the bill to fix the problems. The bills in the Senate and the House are just precursors to a one-payer government controlled health care plan.
















http://www.huffingtonpost.com/steve-rosenbaum/health-care-ponzi-scheme_b_266588.html

Ponzi Scheme Healthcare - oooo, Don't Say That!?!?

It first happened months ago, but again this week I faced some odd and interesting ridicule. I made an offhand comment that the "pay it forward" taxation that accompanies this Health Care Bill is nothing more than a Ponzi Scheme.

Ouch.

I must of struck a nerve, because the explosion left profanity and liberal brain excrement all over the walls around me.

No surprise, the context matters more than the substance to these "reform" supporters.

Some amalgam of health care bills will pass (sooner than later: I stand pat) and we WILL be taxed on any coverage and some WILL be forced to purchase insurance. The semantics really don't matter because it's all just a precursor to the endgame: single payer government run health care.




What this really is: a Ponzi scheme-like bailout of the health insurance and large corporate hospitals. They've been doing their best to make it sound like we’re buying into health reform, when in fact, we will be depositing fees, taxes et al. for three years to ramp up the insurance overhaul.

Similar to Social Security, we'll be "paying it forward" while the government struggles to manage cost control to prolong bankruptcy. The mammogram policy guidelines highlighted the "death panels" that will be used to reduce coverages for all of us, especially the elderly.

For months, thousands and thousands have been losing their jobs and their health insurance along with their unemployment. Instead of addressing portable insurance, these bills make it more difficult to maintain private insurance policies.

Amongst those thousands (millions?) of unemployed are healthy patients that carried the weight of premium costs to insure the unhealthy. Insurance companies are racing to cut deals to ensure their livelihood.

The puppet masters have cut deals with the "Big Pharma" to maintain Medicare prescription payemnts. The White House supported a Medicare cut of $500 billion to destroy secondary insurance for seniors (except for AARP who struck a separate deal) and Congressmen all carve out special deals for their individual districts (Louisiana, Nevada, New York)

Seantor John Kyl spoke the truth:

"Any private or any publicly traded business that claimed it was making a profit because it booked revenue over 10 years but only booked expenses over six years would wind up in jail. That's what this bill does, that's just many of the frauds and hat tricks in this bill"

Sorry that the dose of the truth just tastes so bad, but Bernie Madoff would be proud of Congress. Good intention health care reform is following the Washington rhetoric instead of demanding proper, well thought out reform.