January 03, 2008

Just Give Me A Corner To Die In

The United Kingdom's NHS (National Health Service) is considering the rationing of health care.  This is nothing new and has been talked about numerous times as the Democrats and their leftish friends push for a National Health Care policy in these United States. 

Tom Smith writing at The Right Coast notes that "There's something very strange going on in the UK.  It's getting to the point where it's not even funny anymore." How right you are Tom, and it is only a peek at what will happen in the US if we impose NHC on ourselves.

As a health care provider I offer mental health services to all and sundry.  I choose not to accept commercial insurance, but I am willing to complete the paperwork for a patient to send to his insurance company and receive reimbursement.  The insurance is a contract between the patient and the company, not me.  The only health insurance that I am willing to accept is medicaid because I believe that the poorest among us also deserve quality care.

Seventy-five years ago, this issue wasn't even on the horizon.  Most folk paid their medical bills via payments, barter or per visit on the spot.  Then came the unions insisting that health insurance be a part of the negotiations and bingo, employer provided health insurance became the norm.

As time went on, more and more employers gave in to the idea, and as tort lawyers lobbed onto suing health care providers as a way to get rich quick (does John Edwards come to mind?  Hmmmm?) a number of docs and other health care providers began ordering every imaginable test so that no one could say they weren't being zealous in their care of the patient.  This of course has driven medical care costs through the roof, and subsequently health insurors began rationing care based on sometimes nothing more than a whim.  For example, I once had an insurance company authorize only 3 sessions for a depressed patient and that was the limit, despite the patient's history of suicidal thinking.  I was able to get that decision overturned, but only after many, many hours of negotiations and documentation.  And people wonder why I don't take insurance anymore.  Hah, I'd rather take 1/2 of my regular fee in cash than get the full fee after several hours of insurance required stuff.

So now, the Democrats want to emulate the English.  They claim health care is a right, that the insurance companies are making a fortune, that the poor lack access to health care.  Well, insurance companies do fairly well, but then that is because of their investments more than anything.  As to the poor lacking access, nonsense, what they lack is insurance.  Any person can go to just about any emergency room with just about any complaint and get treatment and never pay a dime for it.  What they can't do, and this is part of a very real problem is make an appointment with a Doc and go to the office.  I solve that problem by doing some pro-bono work.  I limit it, but I'll do it because I think it right.

However the Democrats won't let me have that choice, nor any other health care provider.  In England the rationing is already being talked about: 

In a New Year message to NHS staff, the Prime Minister indicates people may have to fulfil new "responsibilities" in order to establish their entitlement to care.

 
Women smoking;
Conditional treatment: Smokers are one group of patients that may be asked to change their habits

The new conditions could be set out in a formal NHS "constitution", Mr Brown says.

In his open letter to doctors, nurses and other health workers, the Prime Minister promises to press on with Tony Blair's reforms of the NHS, pledging more personalised care for all patients.

He adds: "We will also examine how all these changes can be enshrined in a new constitution of the NHS, setting out for the first time the rights and responsibilities associated with an entitlement to NHS care."

Well, healthy habits should be encouraged by health care providers, and of course, we all have some responsibility in our health, but for Pete's Sake, mandated?  What ever happened to freedom to choose?  Let me give an unlikely, but entirely possible example."  Let's say you are a smoker, I can understand you being charged more for your insurance, and I don't have a whole lot of sympathy for the cost of treatment for a large number of illnesses, and I'm a recovering lung cancer patient.  I know what the personal and monitary costs of stupid behavior are up close and personal.  But let's say you are a smoker, you don't smoke around your children or in your house or car, but your child has asthma.  How would you feel if your child was denied care because of the "smell" of smoke on your clothes may (or may not) have contributed to the asthma?  Now, anyone with any sense would say wow, active asthma of course I would quit smoking.  And yet, some people are absolutely unable to do so. 

Do we tell the poor who tend to have more physical illnesses than more wealthy folk "Sorry, your poor choices of food, tobacco, alcohol, fill in the blank have made treatment for you impossible?"

Do we tell the elderly that "Sorry, your age makes you a poor candidate for open heart surgery?"

Do we empty the nursing homes because some of those patients won't ever get better?

Do we pull a Terri Schiavo on our handicapped because afterall, most handicapps are life long?

The fact of the matter is, that eventually choices must be made because as one commenter at Tom Smith's article noted it is either on the front end with insurance or on the back end with national health care.  And, despite the Democrat pie in the sky dreaming, we cannot possibly provide all health care to all people in the country at any reasonable cost.  There will always be gaps, there will always be patients who fall through the gaps. 

I chortled not too long ago when some of the facetious Democrat rabble rousers in congress were inveighing against the Veterans Administration for the "poor" health care provided to vets, and these are the folk that want to nationalize health care?  Who the hell do they think runs the VA health care system if not the government.

A friend of mine recently sent me a link to THIS website that contained the following:

Comptroller General of the United States David Walker recently gave a speech titled A Call For Stewardship

word for word:

Candidly, our current deficit and debt levels are not unduly troubling as a percentage of our national economy. However, these deficit levels and related debt burdens are set to escalate dramatically in the near future due to the retirement of the "baby boomers" and rising health care costs. The fact is, absent meaningful reforms, America faces escalating deficit levels and debt burdens that could swamp our ship of state!

This brings me to the longer-range picture. Believe it or not, the federal government’s total liabilities and unfunded commitments for future benefits payments promised under the current Social Security and Medicare programs are now estimated at $53 trillion, in current dollar terms, up from about $20 trillion in 2000. This translates into a defacto mortgage of about $455,000 for every American household and there’s no house to back this mortgage! In other words, our government has made a whole lot of promises that, in the long run, it cannot possibly keep without huge tax increases.

The Medicare program alone represents about $34 trillion of our current $53 trillion fiscal gap. If there is one thing in particular that could bankrupt America, it’s runaway health care costs. And don’t forget, the first "baby boomers" will begin to draw their early retirement benefits under Social Security in a couple of weeks! And, just three years later, they will be eligible for Medicare. When "baby boomers" begin to retire in big numbers, it will bring a tsunami of spending that, unlike most tsunamis, will never recede.

Get the picture?  And the Democrats want to add to that debt.  I don't know about you, but this household doesn't have an extra $455,000.00.  Grow up America, if you want to keep the high quality health care that we have overall then we absolutely have to reform government and get the big spenders out of office! Until then, if the Democrats take over health care, I won't get any of it except maybe a corner to die in. and if you are young, you might not even get that much.

Update:  Changed England to United Kingdom.

Posted at 02:12 PM | Comments (48) | Add Comment
Post contains 1468 words, total size 10 kb.

1 #1 its not Englands NHS its Great Britain and Northern Irelands #2 i know america thinks helping others out is communism but socialised healthcare is just good sense #3 rubbishing our health service to further the grip the medical insurance industry on people who are sick and poor at the same time is republican bullshit.

Posted by: Jinkii at Friday, January 04 2008 07:59 AM (7260M)

Posted by: Fausta at Friday, January 04 2008 08:04 AM (8kIZ4)

3 Jinkii, I'll change that to UK, OK?  I've already stated that commercial insurance is broken, but nhc will be equally broken.  Are you willing to have your child or spouse triaged and left out in the cold because that care is too expensive?  That is what ultimately happens in any health care system unless you are one of the powerful.  Don't believe me?  Take a look at the former USSR's health care system OR at the current system in Cuba.  Sheesh, where do these libs come from?

Posted by: GM Roper at Friday, January 04 2008 08:53 AM (CglRh)

4 Let's see.  Private health coverage will not be allowed and people will be mandated to accept socialized medicine, which will ration its care and give you less coverage.  Sounds great!   And, after seeing Michael Moore's film about the great system in Cuba, who could refuse?

Posted by: Woody at Friday, January 04 2008 09:22 AM (Eb/8J)

5 Wasn't there some kind of caucus yesterday?

Posted by: e. nonee moose at Friday, January 04 2008 10:11 AM (J/huU)

6 The United Kingdom's NHS (National Health Service) is considering the rationing of health care. Every system, including our own, rations healthcare. In the UK, they ration it on the back end, by limiting treatment options. In the US, we ration it on the front end, by erecting barriers to entry. No society is willing to spend unlimited resources on healthcare. There must be limits. And on way or another, those limits find expression. As the economist Thomas Sowell has noted, there are no solutions to healthcare financing, only trade-offs.

Posted by: Paul at Friday, January 04 2008 10:29 PM (iifAm)

7 Dear, Dear Guy. Surely you jest, the following statement that you made, to wit.:"Get the picture?  And the Democrats want to add to that debt."  Democrats want to add debt??? What have the Republicans done for the past 7 years?
C'mon, quit beating that dead horse
To date, medicare has the lowest cost to benefit ratio in existance. It has also contained to a large extent the medical costs increases, in ways that I can see you objecting to. Limiting the amount of charges for a procedure or office visit is good for all but the Medical profession. Yep, the profession that says, "Who, me?"

Posted by: James Melbert at Saturday, January 05 2008 11:54 AM (JGY7O)

8 First of all, thanks for checking out my blog. You've got a great one going here.

Second, I completely agree. We have the best health care system in the world, and liberals want to change it just for the sake of changing it. Socialized medicine leads to a low standard of care, long lines, and of course, higher taxes. It's just bad news.

Posted by: Richard at Saturday, January 05 2008 01:35 PM (yyZMR)

9 Actually, there's a whole other problem with nationalised healthcare - this sort of thing:

http://www.dailymail.co.uk/pages/live/articles/health/healthmain.html?in_article_id=506175&in_page_id=1774

Who'd fly if every time a plane crashed the investigation was carried out by the air line ? This is the problem with having the government as both player and referee. Not only do you get healthcare provided by people with the work ethic of civil servants, but you get all those other ethics you'd expect in a system run by politicians.

Posted by: DJ at Sunday, January 06 2008 09:29 AM (FU48C)

10 If only enough people would stand up and openly take note of the emperor's nudity, we could dispense with silly notions such as nationalized health care in the U.S. Emperor's new clothes? Oh, the complete, total and absolute abrogation of the limits of federal power. There is NO provision whatsoever in the Constitution for a power that would allow the feds to create a national health care system. None. Zero. Zilch. Of course, the absence of Constitutional authority hasn't stopped the feds from implementing all kinds of other agencies and busybody intrusions into the People's lives...

Posted by: David at Sunday, January 06 2008 02:01 PM (o4Zlc)

11 I am looking at health insurance in the US and coming to the conclusion that the 'cost' of increased health care is not in the actual medicine being practiced but in the cost overhead of insurance.  Examining the long term trends of demographics and what insurance actually is, the bet that you will need it against the bet by the insurer that you will not, requires that such bets have accountability when it comes to claims.  Those claims have a high cost overhead for examination and approval, and they also require tracking both for validity, applicability and payment, then review of each of those to ensure they were properly done.     What that has created is not a 'health care system' but a document tracking and validation system in which a paltry few percent of the money taken in is actually provided outwards in actual payouts.  As insurance, for the insurers, it works... but as more people use it the scale of those systems rises dramatically thus causing a marginal overhead cost that drives the overall system cost higher.  Much higher.  When that system is removed and actual cost of the practice and medicine is examined, an individual pays nearly the same amount as a percentage of net income today that their grandparents did: 2%.  Thus that 16% cost of healthcare has 2% going towards the medicine, drugs and procedures and 14% going towards the overhead: processing individuals, making sure payments are received, processing claims, vetting claims, adjusting payout, tracking payout and review of all these functions.  Doctors have a non-zero incremental cost as staff required on their end to fill forms and process them increases the cost of healthcare, also.  Even in group practices I notice an increase in non-medical staff that is at 1/3 of the amount of total staff, and with some doctors that is increasing to 50%.  That is the sole function of these people, by and large: process insurance paperwork.   If you don't have insurance, you *still* pay for those increased costs, so doing without insurance becomes a 'sticker shock' experience for those doctors partaking of insurance payment schemes.  It is not that the cost of medicine or even malpractice insurance (its own problem, but adding into the marginal overhead cost by requiring more frequent reviews by insurers and doctors) that is causing this, but the idea that 'insurance', this bet that you will get sick, is the *best way* to pay for medical needs.  And the insurance companies still make a very good profit on this insurance which means that a lot of people are losing their bets continually.  Mind you, this is with a relatively efficient private sector involved... usually at the 80% efficiency level for time worked.  Government hovers around the 45-55% efficiency level, so if you really want to increase the cost of something, have government do it.

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