Paul Krugman and the majority of Americans polled have it right: Health care reform must include a public option, preferably federal for increased bargaining power and efficiencies of scale. ("'Centrist' Democrats could botch reform," June 23)
I find the idea of being required to buy private medical insurance outrageous.
Yes, we are required to purchase private auto insurance, but that is part of qualifying for the privilege of driving one's vehicle on publicly financed roadways.
I would love to be able to opt out of Social Security, but I understand that it can only work as a true safety net when it is basically a tax that is uniformly applied. As a society, we have decided that the elderly and disabled should not be abandoned.
Now, we seem to be arriving at the conclusion that medical care is a necessity, even a right.
Even beyond that, the whole idea of having the profit motive so deeply intertwined with medical care is increasingly being questioned.
Those who don't want a public option in the current reform plan are fighting against the tides of history. I believe that we are moving inexorably toward a single-payer system, but that it must be phased in gradually -- we can't afford more economic disruption right now.
Abolishing large parts of the bloated medical insurance industry would surely cause a lot of unemployment. Of course, there will always be private insurance for those who can afford it.
Tuesday, June 30, 2009
Could you get cheaper private medical insurance?
The NHS provides healthcare from the cradle to the grave - but concerns about treatment delays means many people choose to pay for private cover as well.
Waiting times have come down, but sales of private medical insurance - or PMI - continue to rise, according to the Association of British Insurers (ABI).
Nick Starling, director of general insurance and health at the ABI, says: "The continued rise in the number of people covered by PMI is good news - PMI gives people the peace of mind that they are able to get access to the treatment they need, at the time they need it, where they need it."
While the cost of PMI means it has traditionally been seen as only for the affluent, there are many ways you can cut the cost of cover and adapt your policy to suit your needs.
Moneywise has teamed up with beatthatquote.com to help users find the right medical cover to suit their needs from across the market
Waiting times have come down, but sales of private medical insurance - or PMI - continue to rise, according to the Association of British Insurers (ABI).
Nick Starling, director of general insurance and health at the ABI, says: "The continued rise in the number of people covered by PMI is good news - PMI gives people the peace of mind that they are able to get access to the treatment they need, at the time they need it, where they need it."
While the cost of PMI means it has traditionally been seen as only for the affluent, there are many ways you can cut the cost of cover and adapt your policy to suit your needs.
Moneywise has teamed up with beatthatquote.com to help users find the right medical cover to suit their needs from across the market
Health care: public option to bring competition or monopoly? : Joe Wallace
Your “Obama won’t rule out taxing health insurance benefits” headline [News, June 25] was just slightly inaccurate. While Obama and Congress are contemplating taxing the employees’ health insurance benefits, they are specifically exempting millions of their favored constituents — labor union members.
As reported by The Wall Street Journal, “union members serving under collective bargaining agreements would be exempt, even though they often have the richest and most extensive packages of benefits.” Surprise!
Sure haven’t seen this information reported by other media. Another surprise!
It’s also no big surprise there’s been a total lack of reporting of the exemption Congress itself would receive from Obama’s health-care plan. Yes, the Obama Care Plan prepared by Sen. Edward Kennedy specifically exempts members of Congress from many of its provisions. Page 114 of the Kennedy plan restricts care for the general public in order to control costs while insuring Congress will still receive its taxpayer-paid benefits.
Congressmen would still undoubtedly enjoy the widest selection of health plans available to anyone in our nation while millions would be forced to participate in whatever politicians, not medical professionals, decide is a basic health plan.
If they think their health plan for the rest of us is so great, why don’t they participate 100 percent in it too?
Just one more example of the “do as we say, not as we do” condescending “I know what is best for you” opinion liberals and progressives have of the masses.
No wonder they’re trying to ram the health-care plan through before we the people find out what it’s all about.
– Fred Long, Port Angeles
No real competition in public-option insurance
President Obama’s proposal for a new government-run public option for health insurance is bringing new and enthusiastic fans of “competition” out of the woodwork ["GOP foes boost health-care reform," Opinion, column, June 26]. We are being showered with declarations of joy for the benefits competition will bring.
It is curious that none of these advocates have, now or in the last 40 years, advocated the blessings of private competition to Medicare if that were permitted. Why not allow those on Medicare the option of applying some of their lifetime of Medicare tax payments to premiums for private insurance? Would not the competition improve Medicare?
Of course that would not serve the purpose of more government power and bureaucracy. Why if all seniors love Medicare so much are their Social Security pensions taken away if they decline Medicare Part A coverage? Is that competition or intimidation?
And if competition is such a good thing, why do Washington and other states rigorously regulate what treatments all companies must cover whether their customers want such coverage or not? Why is everyone forbidden from buying insurance across state lines, which would provide a lot more competition? Why if national insurance competition is forbidden by law is a national public option such a wonderful idea?
The idea that competition can only result from a government program is a perversion of economics and the English language.
– Richard E. Ralston, Americans for Free Choice in Medicine executive director, Newport Beach, Calif.
Obama’s health-care plan will only bring a headache
Dr. Jeff Huebner and Dr. Charles Mayer are to be commended for their thoughtful guest column ["A vision for health-care reform that is effective and affordable," seattletimes.com, Editorials/Opinion, June 22] and detailing the principles that must be included in health-care reform legislation to achieve health justice for all Americans.
However, even a strong public option, which they advocate, within our fragmented multipayer system won’t have the administrative savings and cost control necessary to sustain it, nor the unification required to implement measures to improve quality and actually realize whatever savings that might come from preventive medicine, care management, best practices, electronic records, etc.
Click here to get a free medical insurance quote.
Now President Obama is talking about a public option with several different benefit levels where you can buy a plan that’s right for your family — really indicating a tiered system that would provide more benefits to those who could afford them. Such a public option would introduce inequity, more headaches and overhead cost to physicians as well as increase administrative costs within our multipayer system.
It is crystal clear that without controlling costs, any reform will fail. Single-payer health-insurance reform is the only sustainable and just system within which physicians would be best able to care for all their patients.
– David McLanahan, M.D., Seattle
Why fix a system few are dissatisfied with?
The New York Times and CBS have released a new poll on health care ["Most want all to be insured -- and we're willing to pay," News, June 21] that is not really valid. Look at the bias in the people polled: 2-1 favored Barack Obama to John McCain in the election, and 38 percent were Democrats to 24 percent Republicans. No wonder poll results showed that people like Obama’s efforts to take over the best health-care system in the world. By the way, only 7 percent of those polled stated health care was an important problem.
Other more accurate polls show nearly 90 percent of Americans are satisfied with their health care. So where is the problem that needs to be fixed? Democrats always make up a crisis and then try to provide a government solution to the supposed crisis. While there do need to be some changes to improve the system, such changes should not include a government option. It is not the place for government to be in the health-care business. Look at the terrible job they have done with Medicaid and Medicare.
You state a government option would infuse competition into the system ["Real health-care reform," Opinion, editorial, June 23]. Since when can the private sector compete with the powerful government, which makes the rules and has more money to play with?
Get serious: That is not competition. It is a slow, deceptive takeover of health care with a major impact on our access to care as well as the quality of such care. Just ask Canadians!
– William Backlund, M.D., Redmond
Health-care reform being twisted into nothing new
The “reform” of our health-care system is proving to be a sham. Under the nurturing hand of Sen. Max “Bogus” Baucus, chairman of the Senate Finance Committee and a Democratic health-care industry shill who purports to represent the people of Montana, our bought-and-paid-for legislators are on a mission to preserve at all costs a private-insurance model that systematically cherry-picks the healthy, overcharging them for medical risks they’re unlikely to face; underserves the poorly insured, at a dear price, by denying their claims for medically necessary treatments in order to save money; and overserves the richly insured with one “fee-for-service” billing after another to run up obscene profits.
This moneymaking machine will continue to shake us down until it is replaced by a taxpayer-funded, privately delivered single-payer model with the mission of maintaining our health rather than the profits of the predatory health-care industry.
As reported by The Wall Street Journal, “union members serving under collective bargaining agreements would be exempt, even though they often have the richest and most extensive packages of benefits.” Surprise!
Sure haven’t seen this information reported by other media. Another surprise!
It’s also no big surprise there’s been a total lack of reporting of the exemption Congress itself would receive from Obama’s health-care plan. Yes, the Obama Care Plan prepared by Sen. Edward Kennedy specifically exempts members of Congress from many of its provisions. Page 114 of the Kennedy plan restricts care for the general public in order to control costs while insuring Congress will still receive its taxpayer-paid benefits.
Congressmen would still undoubtedly enjoy the widest selection of health plans available to anyone in our nation while millions would be forced to participate in whatever politicians, not medical professionals, decide is a basic health plan.
If they think their health plan for the rest of us is so great, why don’t they participate 100 percent in it too?
Just one more example of the “do as we say, not as we do” condescending “I know what is best for you” opinion liberals and progressives have of the masses.
No wonder they’re trying to ram the health-care plan through before we the people find out what it’s all about.
– Fred Long, Port Angeles
No real competition in public-option insurance
President Obama’s proposal for a new government-run public option for health insurance is bringing new and enthusiastic fans of “competition” out of the woodwork ["GOP foes boost health-care reform," Opinion, column, June 26]. We are being showered with declarations of joy for the benefits competition will bring.
It is curious that none of these advocates have, now or in the last 40 years, advocated the blessings of private competition to Medicare if that were permitted. Why not allow those on Medicare the option of applying some of their lifetime of Medicare tax payments to premiums for private insurance? Would not the competition improve Medicare?
Of course that would not serve the purpose of more government power and bureaucracy. Why if all seniors love Medicare so much are their Social Security pensions taken away if they decline Medicare Part A coverage? Is that competition or intimidation?
And if competition is such a good thing, why do Washington and other states rigorously regulate what treatments all companies must cover whether their customers want such coverage or not? Why is everyone forbidden from buying insurance across state lines, which would provide a lot more competition? Why if national insurance competition is forbidden by law is a national public option such a wonderful idea?
The idea that competition can only result from a government program is a perversion of economics and the English language.
– Richard E. Ralston, Americans for Free Choice in Medicine executive director, Newport Beach, Calif.
Obama’s health-care plan will only bring a headache
Dr. Jeff Huebner and Dr. Charles Mayer are to be commended for their thoughtful guest column ["A vision for health-care reform that is effective and affordable," seattletimes.com, Editorials/Opinion, June 22] and detailing the principles that must be included in health-care reform legislation to achieve health justice for all Americans.
However, even a strong public option, which they advocate, within our fragmented multipayer system won’t have the administrative savings and cost control necessary to sustain it, nor the unification required to implement measures to improve quality and actually realize whatever savings that might come from preventive medicine, care management, best practices, electronic records, etc.
Click here to get a free medical insurance quote.
Now President Obama is talking about a public option with several different benefit levels where you can buy a plan that’s right for your family — really indicating a tiered system that would provide more benefits to those who could afford them. Such a public option would introduce inequity, more headaches and overhead cost to physicians as well as increase administrative costs within our multipayer system.
It is crystal clear that without controlling costs, any reform will fail. Single-payer health-insurance reform is the only sustainable and just system within which physicians would be best able to care for all their patients.
– David McLanahan, M.D., Seattle
Why fix a system few are dissatisfied with?
The New York Times and CBS have released a new poll on health care ["Most want all to be insured -- and we're willing to pay," News, June 21] that is not really valid. Look at the bias in the people polled: 2-1 favored Barack Obama to John McCain in the election, and 38 percent were Democrats to 24 percent Republicans. No wonder poll results showed that people like Obama’s efforts to take over the best health-care system in the world. By the way, only 7 percent of those polled stated health care was an important problem.
Other more accurate polls show nearly 90 percent of Americans are satisfied with their health care. So where is the problem that needs to be fixed? Democrats always make up a crisis and then try to provide a government solution to the supposed crisis. While there do need to be some changes to improve the system, such changes should not include a government option. It is not the place for government to be in the health-care business. Look at the terrible job they have done with Medicaid and Medicare.
You state a government option would infuse competition into the system ["Real health-care reform," Opinion, editorial, June 23]. Since when can the private sector compete with the powerful government, which makes the rules and has more money to play with?
Get serious: That is not competition. It is a slow, deceptive takeover of health care with a major impact on our access to care as well as the quality of such care. Just ask Canadians!
– William Backlund, M.D., Redmond
Health-care reform being twisted into nothing new
The “reform” of our health-care system is proving to be a sham. Under the nurturing hand of Sen. Max “Bogus” Baucus, chairman of the Senate Finance Committee and a Democratic health-care industry shill who purports to represent the people of Montana, our bought-and-paid-for legislators are on a mission to preserve at all costs a private-insurance model that systematically cherry-picks the healthy, overcharging them for medical risks they’re unlikely to face; underserves the poorly insured, at a dear price, by denying their claims for medically necessary treatments in order to save money; and overserves the richly insured with one “fee-for-service” billing after another to run up obscene profits.
This moneymaking machine will continue to shake us down until it is replaced by a taxpayer-funded, privately delivered single-payer model with the mission of maintaining our health rather than the profits of the predatory health-care industry.
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