Simple Rules for Health Care Reform

1. Prohibit Health Insurance Providers from engaging in anti-competitive practices.

2.. Prohibit Health Insurance Providers from denying health care insurance to individuals with pre-existing conditions.

3. Prohibit Health Insurance Providers from placing caps on annual and lifetime benefits.

4. Establish a mandatory Medical Loss Ratio of no less than 85%.

5. Establish a National Health Insurance Regulatory Commission with the responsibility of ensuring providers adhere by above tenants. This commission shall also field consumer complaints/tips about violations of these provisions. This commission shall also investigate waste, fraud, and abuse in public health plans (Medicare, Medicaid, CHIP, VA, etc).

6. Establish a National Health Insurance Clearinghouse with the following responsibilities:

-Identifying various levels of health insurance benefit packages, and establishing maximum premiums/deductibles/co-pays  for each level, while taking regional factors into consideration. This commission shall certify plans that meet these standards. While insurers do not have to adhere by these standards, individuals may not use governmental subsidies to purchase non-certified policies.

-Collecting and providing electronically to the public, information about all health insurance plans that have been certified.

7. Allow Medicare to freely negotiate with all domestic insurance providers, pharmaceutical businesses, and medical equipment/supply businesses. Increase Medicaid and Medicare reimbursement rates to no less than 60% of average private insurance payments for identical billable procedures.

8.  Incentivize individuals studying to be, and serving as Primary Care Physicians or other non-specialty medical providers through a loan forgiveness option tied to service in clinics/hospitals in undeserved areas.

9. Cap medical malpractice lawsuits to $X million in the most egregious life-threatening instances. This shall represent the uppermost class of suits, a schedule  of other classes of suits shall be established with corresponding maximum liability levels. (Levels/ Amounts TBD by the National Health Insurance Regulatory Commission).

10. Mandate that all children under the age of 18 have health insurance coverage. Increase eligibility for the Children’s Health Insurance Program (CHIP) to 350% of the Federal Poverty Level (FPL). The penalty for non-compliance shall be 100% of the cost of the least expensive eligible health care plan in the individual’s market area. Such taxes shall be directed to a National Health Trust Fund.

11. Incentivize the purchase of health insurance plans by establishing a refundable health care tax credit of $1,000 per individual, $2,000 for couples. Individuals must have maintained eligible coverage for at least 9 months out of the year to be eligible for the credit.

12. Prohibit employers from dropping, without reasonable cause, health insurance benefits for their employees. The penalty for such unjustified actions shall be 100% of the cost savings achieved by the business by dropping the insurance. Such taxes shall be directed to a National Health Trust Fund.

13. Incentivize employer health care insurance benefit plans, by establishing a business health care tax credit of up to $1,000 per employee.

14. Tax employers with at least 50 employers who do not provide health care insurance to their employees 10% of payroll. Such taxes shall be directed to a National Health Trust Fund.

15. Tax individuals making more than $250,000 5% of gross income, and households making over $500,000, 5% of gross income.  All other individuals above 350% of the FPL will pay a 1% tax on gross income. Such taxes shall be directed to a National Health Trust Fund.

16. All tax collections in the National Health trust Fund shall be used to provide a) Subsidies to households making between 350 & 500% of the FPL to purchase certified health care plans & b) payments to providers for uncompensated care provided to uninsured individuals.

-kd-

Other types of reform are necessary as well, including some sort of regulation on Pharmaceutical companies. This list is just a basic beginning for reform, accepting that single-payer health-care’s time has not yet arrived. In addition, % and #’s I provided above where just numbers I threw out there, of course it would require a more thoughtful and deliberative process to hash out such details.

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Naked Neighbors

What if I told you I was going to punch you in the face sometime in the future?

What would you give up to spare this unfortunate collision of knuckles and nose? A dollar? A twenty? Would you invest in a face mask, helmet and Kevlar vest? Would you stay at home and never come out? Would you give a stranger naked pictures of yourself  in exchange for a vague promise of protection? Actually I’m guessing you probably would just tell me to f-off, and/or punch me in the face depending on how hard core you were.

But, what if my name was Osama-Omari-Middle Eastern-Dark-Skinned-Man-with-a-Turban?

And what if Fox, CSPAN and Obama said that I was going to kill you, your family, and any cute floppy-eared puppies in the vicinity of your house? What would you give up then to spare this unfortunate collision of jet-liner with jenny & rover? It’s likely you would go all out, screw a $20, you’d give $2,000. Hell, you’d probably give naked pictures of yourself to all sorts of strangers in return for a vague promise of protection.

Actually, it seems that  you already are! Full body scanners, all the rage of the day, are taking off like co-workers on a Friday. Basically, if a low-income home owner or Mexican hasn’t already caused you to lose your job and you have some money to play with, you should invest in Rapiscan- one of two federally approved manufactures of full body scanners in the USA .

( I would give you their stock symbol, but Google finance says that’s private.  ERRrr? )

So let’s cut the chase and get to the point here. Basically some guy from Nigeria, whose parents forewarned the U.S. Government about his diabolic intentions, got on a plane and tried to blow up his underwear. The United State’s response? Obama made up a list of 14 “naughty countries” including the major island-nation of Cuba, USA-run Iraq, and reigning nuclear heavy weight Algeria; from now on, anyone flying to the USA from these terroristic nations will have to go through additional screening mechanisms.

In addition, with absolutely, positively no pressure from the United States government or corporate interests, several European nations are stepping up their use of full body scanners on passengers planning to fly to the United States from terror hotspots like Italy, Britain, and the notorious Netherlands.

(Some countries though are dragging their feet however, with Germany stating that before they use such scanners they want the ridiculous assurances that: “they increase security, that they are not a health hazard, and that the scans do to not harm the individuals’s rights)

So what’s the problem with these scanners? Well honestly it’s not that big of a deal, but let’s look at a few:

1)  Some guy takes a picture of you. Naked.

While it’s true that if you are uncomfortable with this technology you can request TSA personnel to personally grope you instead, there’s no guarantee this user-friendly alternative will always be an option.

You might say big deal, sucks to fly to the United States from somewhere else, but the fact is, these scanners have been tested in the US since 2003 and are already operational in 40 major US airports including:  Dallas, Baltimore, Denver, Tampa, Salt Lake City, Las Vegas, Miami, Phoenix San Francisco and Richmond.

2) There is no way to guarantee a passenger’s privacy. Officials say that personnel reviewing the Passengers Gone Wild! images sit in a remote room, will not see a distinguishable face and cannot save or print the images. Sounds great. Then why do I know what Susan Hallowell looks like naked? And how come this guy’s baby maker is on full display?

I highly doubt that Beyonce or President Obama (or me) are going to go through these scanners and the image won’t turn up somewhere.

3) How about this one: are we going to take naked scans of kids? 10 year old Johnny? 6 year old Susie?  Don’t think so? Wait till we get child bombers. Or what about the Muslim women who don’t even reveal their face in public? Are we going to tell them if they want to come to the US we have to check out their goods first? That’s going to make us a lot of Middle-Eastern friends.

4) Or how about health? Don’t the X-ray and MRI technicians always slap a lead vest on you and hide in the next room when they take scans?  These airport scanners are full body and last at least 15 seconds.  Free cancer with every 1,000 frequent flier miles!

5) Here’s another problem- follow the money. The former head of Homeland Security who has been pushing the government to purchase more of these scanners has just admitted that he has a consulting relationship with a full body scanner manufacturer. I’m willing to bet he’s not the only politician, past or present, that stands to gain from this lucrative business- each of these machines are retailing at over $170k, and the TSA just ordered 150 of them with plans to buy another 300.

Okay, so if you’ve stuck with me this long, now I get to the real issues, the aforementioned issues are really just sensationalistic fluff for those of you who saw the word “naked” on facebook and clicked on over.  The real problems are the deeper currents of growing government intrusion in our lives in the name of “security”.

Throughout history, the rights of people in this nation have been compromised for the “safety of the nation”. It seems to me that this line of reasoning got lots of nice Japanese folks kidnapped and locked up on the west coast during WWII.

It Seems to me that this got us a 1,000 page Patriot Act passed in the middle of the night after 9/11. And it seems now that its setting us on the proverbial and terribly cliché “slippery slope” of absolute governmental control over our selves. Nothing is more fundamental than our bodies. Without a right to the autonomy of our own body all other struggles are futile.

Today a guy sticks a bomb in his underwear and we wind up with naked imagery as a solution. This will be about as effectual as building a picket fence with Mexico to keep out immigrants. Know why? Because tomorrow some misguided soul is going to stick a bomb up their rectum- out of the reach of a body scanner. Then what? Full cavity searches for all passengers, spread your leg’s please mam?  Or some jackoff is going to swallow a chemical compound and then we are all going to have to purge in a personal bucket we can reclaim at the security clearance window, two heaves please sir?

Sure it is easy to sit in my cozy terror-free apartment enjoying a slice of sweet potato pie and criticize those who would sacrifice our liberties in the name of our safety

After all I wasn’t on Flights 11, 175, 77, or 93 in 2001, and I wasn’t on Flight 253 this past Christmas—but it is easier still to change the channel,  to turn off the radio, to close the webpage when I come upon a thorny issue that’s not easily reduced to black and white.  So perched up here on my soapbox, do I have some grand plan for national security? No, (actually I do)  but what I do know is that when we accept rapid national adoption of reactionary policies that infringe upon our liberty in order to negate  undefinable threats, we do ourselves a disservice as human beings and as thoughtful engaged citizens.

People are quick to jump on the bandwagon decrying how our government failed to protect us and let a terrorist slip through their fingers. I disagree. It is no more reasonable for us to believe the government can ensure 100% exclusion of foreigners who would do as harm, than it was for China to believe the Great Wall was going to keep all the Mongols out.

I will however, jump on the bandwagon of people who fault our government for not doing more to proactively reach out to the world in a positive way.  Here’s one idea- establish a Department of Peace– the legislation  has been raised in Congress over 100 times since 1935- including the last 8 consecutive years (yeah Kucinich!) .  

This singular act would do more for our security than 1,000 naked pictures ever could

You know what f- -k, it, I’m being too idealistic. For our children’s future, let’s all just get anal probes and start a war with Yemen.

-kd-

Further resources:

Petition against body scanners

Rapiscan

Warm & cuddly video on body scanners

Healthcare Reform for Idiots

heart

I really shouldn’t have to do this, but here we go. Healthcare Reform for Idiots:

(Disclaimer: single payer health care is  the best option. Remove the profit motive from health care. No more million dollar CEO’s getting rich by dropping folks who get cancer or other illnesses. But this guide to health care reform for idiots is necessary since single payer was destroyed by wealthy industry opponents)

#1. Congressional Republicans are NOT STUPID (well not literally, but that’s another discussion). Republicans are not intellectually incapable of understanding the problems around healthcare and what the democratic solutions are. What republicans are is MANIPULATIVE.

#2. Since the republicans are not stupid, but rather conniving weasels, the President and Democrats need to be smart. Don’t get caught up arguing that republican objections have no wings, just CUT THE DAMN WINGS! Example: DROP THE PROVISION that republicans are twisting as “DEATH PANELS”. The provision itself would simply allow physicians to counsel patients on end-of-life care, but its just red meat for the republicans.  Its just not that important, and can be done in separate future legislation.  Drop the provision, and just pull the rug out from under the R’s.

#3. Speed is essential. While the R’s are trying to find some new baloney to fiercely oppose, MOVE ON HEALTH CARE. GET A BILL OUT AND TO THE PRESIDENT.

#4. Speaking of speed, Democrats: GET YOUR FLIPPING ACT TOGETHER. Just in case that is ambiguous, let me repeat: DEMOCRATS, GET YOUR FLIPPING ACT TOGETHER. Republicans are able to toe the party line no problem–This is the first time in who knows how long when the Democrats have the presidency, the house, and the senate. DO THE DAMN THING.

North Korea has been obnoxious and obstinate in nuclear discussions. Conservatives  argue a policy of non-engagement. SO GIVE THESE CONSERVATIVES A TASTE OF THEIR OWN MEDICINE. We do not need to engage in their b.s. and beg for their votes.

#5. DON’T PASS A HALF-BAKED PUBLIC OPTION. For a public option to be meaningful, it can’t be watered down to accommodate scheming republicans.

#6. Be Clear about how you are going to pay for everything. Don’t Simply say the reform will cost $700 billion. EXPLAIN THAT WE ARE ALREADY SPENDING MUCH OF THIS MONEY ON HEALTH CARE. Its not like we are just going to tack on new spending. We are restructuring largely how we pay for healthcare.

#7. CHOOSE YOUR BAD GUY. Right now “big government” is the bad guy. Its easy for the right blame the government and rail against it. How about redirecting some of that ire where it belongs? THE HEALTH INSURANCE INDUSTRY. If you haven’t had a personal experience where you, a family member, a friend, or a co-worker was screwed over by their insurance company, you either live under a rock or  in a  FANTASY BUBBLE OF CAREFREE FOLK. Direct some of this justified anger at the industry.

#8. SUBMIT YOUR RESIGNATION if you still can’t figure out how to pass health care reform with a democratic president, house, senate, and massive public discontent with the status quo.

If you really can’t do it, I’m happy to take your job.

-kd-

My Letter to Obama

This is my letter I am mailing to the President, my Senators, and Representative. Please add your voice of support by contacting your legislators.

healthcare

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Dear President Obama,

Since your Office of Communications receives thousands of letters every day, let me get my main point out early: DO NOT DROP A PUBLIC OPTION IN HEALTH CARE REFORM MEASURES.

As a social worker, uninsured masters-level degree holding employee, an individual with a pre-existing condition, and brother to my younger sister who passed 2 years ago for want of  medical care, I am writing you today to let you know that it is absolutely imperative that we have REAL, MEANINGFUL HEALTH CARE REFORM.

I was a strong supporter of yours in the campaign, and am grateful you were elected to office. Further, as a former health care community organizer, I am thrilled that you have elevated the discussion of healthcare reform to an actionable state. While I am disappointed that single payer is not being seriously considered outside of HR 676, I am also pragmatic and understand that our nation is years away from being able to intelligently consider its merit.

That is why it is ABSOLUTELY CRUCIAL that you DO NOT ABANDON A PUBLIC OPTION. As an educated and thoughtful individual it is not necessary for me to lecture you on the unsustainable proposition of an unchecked private health care industry. It is already bankrupting untold number of Americans, allowing thousands to die prematurely every year, stifling entrepreneurship, and failing to uphold a basic American value: treat others how you wish to be treated.

The private marketplace, while a remarkable mechanism for innovation and economic growth, has historically demonstrated that sans incentivizing, the most vulnerable and financially burdened individuals and families will not receive an equitable share of resources.

Recent remarks from your administration in which the need for a public option is downplayed in favor of health cooperatives deeply troubles me. I understand that political realities of Washington generally necessitate compromise, and at times generate better results.

HOWEVER, THIS IS NOT ONE OF THOSE TIMES. Political expediency, misinformation, and hysteria have colluded to place serious obstacles in your path and the path of those who would fight for real health reform. PLEASE STAND STRONG. DO NOT SACRIFICE THE AMERICAN PEOPLE. Your failure to communicate (at least publicly) very specific directives to congressional leaders what is non-negotiable worries me.

I urge you to TAKE A STRONG, SPECIFIC STAND ON HEALTH CARE REFORM: MAKE A PUBLIC OPTION NON-NEGOTIABLE. I believe that you, Seblius, DeParle, and other legislative leaders know that health co-operatives, while appropriate in theory, will prove woefully inadequate to make a meaningful dent in the private-insurance dominated marketplace.

Assuming that the fate of millions of American’s will be well served by untested cooperatives, when we have a model before us that we have seen work before (Medicare), seems disingenuous. I know that more than healthcare reform is at stake in this debate. I understand your presidency and the viability of the Democratic Party will be in part, determined by the outcome of health care reform this year.

I understand this. I PROMISE YOU HOWEVER THAT WHEN AMERICANS VOTED FOR CHANGE THEY MEANT IT. I promise you that if you remain strong, self-assured, and confident in your plan and the public option that the majority of the public will follow. A mandate for real change swept the nation with your election, and if there ever is a time to spend your capital, it is now. THE NEED FOR A PUBLIC OPTION IS REAL.

I leave you with your very own words, and pray that they inspire you to action:

“This is our chance to answer that call.  This is our moment.  This is our time – to put our people back to work and open doors of opportunity for our kids; to restore prosperity and promote the cause of peace; to reclaim the American Dream and reaffirm that fundamental truth – that out of many, we are one; that while we breathe, we hope, and where we are met with cynicism, and doubt, and those who tell us that we can’t, we will respond with that timeless creed that sums up the spirit of a people:

Yes We Can.  Thank you, God bless you, and may God Bless the United States of America.” – President Barack Obama

~~

Original Story Here: Obama May Soften Healthcare Plan

~~
Please support healthcare reform & fight back against the hysteria- this is too important of an issue to sit on the sidelines.

Email or call your United States Representative: https://writerep.house.gov/writerep/welcome.shtml
(202) 224-3121

Email or call your United States Senator:
http://www.senate.gov/
1.877.210.5351

Contact the White House- Tell them we need real reform now, and a strong public option. http://www.whitehouse.gov/contact/
White House Comment line: 202.456.1111

I’m happy to answer questions or direct you to further resources.

Thank you.

Where to?

job-search-crossroads

Hello-everyone- Just a quick note to apologize for not posting in a while.  Finishing grad school and finding employment is this job market is about as tough as any cliche phrase that comes to mind, so I’ll just say its not fun.

Hopefully when I am gainfully employed and thoroughly indebted to Sallie Mae I will find more time to write.

Until then, check out the “Brain Buffet” I’ll try to keep that updated- because hey- you gotta eat!

-kd-

Here Come the Chickens

chickens

Last fall as the American economy appeared to be slipping over the edge of an economic precipice, those in Congress were faced with some tough choices about whether to prevent giant businesses from going under– in order to spare the economy further economic trauma.

In the midst of all of the chaos and tumultuous stock tickers, then Treasury Secretary Hank Paulson made a bold announcement: he wanted congress to hand him a blank check for $700 billion so he could work his voodoo magic on the economy. In his thinly populated 3 page proposal, he also indicated that congress should mind their business about where he was going to put the money.

I was proud of the level of public engagement with elected officials, as the outrage of American’s translated into thousands of calls and emails to their representatives and senators. I was equally dismayed at the eventual decision of Congress- to essentially concede to Paulson.

Since that time the Treasury Department has doled out billions of dollars to many businesses- among them- $170 billion to AIG. What did AIG do after receiving their very own welfare check? They sent their employees to a luxury resort in California- a week long respite to the tune of nearly half-a billion dollars. Congress, in all of their indignance, rattled their sabers and made biting remarks to the media about AIG’s wasteful spending of tax payer dollars. BUT, payments to AIG continued.

Now that it has come out that AIG is distributing $169 million in bonuses to employees as a result of “contractual agreements”, Congress, and the President, are again parading around in anger. Give me a break. First of all- Congress set this all in motion last year when they opened the floodgates of corporate bailouts without significant oversight. Then, when discovering unscrupulous behaviors by AIG and others (see Merrill Lynch), Congress simply complained loudly- but made no significant attempts to right the problems.

Now we once again see the result of private businesses making decisions that would make most of us squeamish, and again the clamor is loud. Senator Grassley even went as far as to suggest AIG exec’s should commit suicide. Now the Senate & House are discussing legislation that would impose virtually a 100% tax on bonuses for companies that have received governmental bailouts.

The general frenzy with which the public, the president, and the congress have been swept up in over $169 million is almost comical. With another $30 billion scheduled to go to AIG, when all is said and done, AIG will have received over $200 billion dollars from American taxpayers- and we are upset over $169 million dollars? Seriously? Get real people. Lets direct at least some of this anger where it belongs- on congress for so poorly  regulating the dissemination of taxpayer money.

Even looking past Congress’s culpability, lets think for a minute about the actual idea behind a 100% tax on a portion of businesses spending done in a legal manner. Did I miss something? First of all- many of those receiving the bonuses from AIG don’t even work for the company any more. Taxing AIG isn’t going to do a thing about getting the money back from those payees. Second of all- Congress needs to stop sending mixed messages. Either we are nationalizing businesses- where the government takes over control, and makes decisions for the business- and maybe this is the right thing in certain instances; or the government is simply providing financial aid to a business with some stipulations attached– and maybe this is the right thing in certain instances.

But trying to retroactively punish businesses for engaging in legal, albiet shady, practices, is not the job of the government, and recouping $169 million is nothing more than a publicity stunt- especially when another $30 billion is scheduled for release to AIG in the near future.

So what are the lessons?

1- Americans need a longer attention span. Lets not forget the actions that set these unregulated bailouts in motion.

2- Americans should not be duped by this publicity stunt. Sure AIG’s actions were reprehensible, but in the grand scheme of things, is $169 million the best thing we can think of to be angry about? Seriously?

3- Bailing out businesses that are “too big too fail” should be an indication, in the sage words of a C SPAN commentator this morning, that they are indeed “failing”. Congress needs to carefully consider what the root problems are in a business or industry before blindly throwing money at it. If they did perhaps they would discover that the problems in part, were created by those whom they would give fat checks to, to fix it.

Last fall Congress hastily got itself into the business of bailouts without proper research, debate, or forethought. The chickens are coming home to roost now, and its becoming pretty amusing to watch all the fingerpointing.

I for one, am pointing my finger right back at Congress.

-kd-

The Superior Scribbler Award!

superior-scribbler-award

So it turns out that some of the folks who come by this page appreciate my rambling, theorizing, and sometimes satirical take on all things political. I am honored to announce I have been awarded the The Superior Scribbler Award by fellow bloggers over at the dynamic blog: To The Wire.

The idea behind this award was started by the Scholastic Scribe, where 5 bloggers originally received recognition as “superior scribblers“. In return, these 5 bloggers passed the award on to 5 others and so on…

I’m flattered to have been included in this love fest (^_^)  and include my 5 awardees & the rules here:

  • Each Superior Scribbler must in turn pass The Award on to 5 most-deserving Bloggy Friends.
  • Each Superior Scribbler must link to the author and the name of the blog from whom he/she has received The Award.
  • Each Superior Scribbler must display The Award on his/her blog, and link to this Post, which explains The Award.
  • Each Blogger who wins The Superior Scribbler Award must visit this post and add his/her name to the Mr. Linky List. That way, we’ll be able to keep up-to-date on everyone who receives This Prestigious Honor!
  • Each Superior Scribbler must post these rules on his/her blog.

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And here are my picks:

1. Margaret and Helen These two 80-something year old women offer up daily doses of biting humorous commentary. You won’t regret stopping by.

2.The Unhappy Camper. Joe is a middle aged man living in Miami who is currently homless. He blogs from local libraries when he is not chased out, and offers his reflections, in all their honesty, about life, and how he’s feeling.

3. Pennsylvania for Change is an activist blog that offers up an interesting liberal perspective on national and state events.

4. Advocating for Freedom. This is the blog of a friend of my here at Penn. She doesn’t write on it very often, and will  likely have no idea I gave her this award, but the few posts she has written are very thought provoking, and well worth the read.

5. Quaker Agitator. This is a solid and comprehensive blog that is aptly described by its title.

Enjoy the good reads & Congrats to the new winners!

-kd-