Justplainbill's Weblog

February 11, 2014

The Health Care Hoax

The Health Care Hoax
Posted: 12 February 2014

Let’s put national health care in its historical perspective, and then consider the truth of the matter.

For our purposes, we will ignore the rest of the world, not bring too far forward how the NHS in the UK dictates their internal politics and is ration driven, nor how in Canada they flood to the US for care, nor how they invade the US from Mexico to get social services of all kinds.

We will start in 1950.

As noted elsewhere, everything is connected, just not in the ‘butterfly effect’ that a small number of physicists and mathematicians think.

Prior to 1950, health care was the responsibility of the individual. The medical profession was regulated in the same manner as other special service businesses, most notably lawyers, accountants, and bankers. Doctors, lawyers, and barbers had to take proficiency exams before they could charge for their services and were held accountable for their actions, not only through Tort Law, but through internal policing, and self-defense by buying liability insurance. They attended specialized schools, with specialized educations and fields of study. Funding of health care was primarily in the form of direct payment for services, with a small, expanding, insurance segment.

In the 1950’s, the failure of The Federal Government to overhaul the income tax code, led to unions negotiating for benefits, rather than wages. This change in direction was a direct result of FDR’s Transnational Policies. Government had decided that income would be taxed in the unfair step-rate method. Those whose incomes where under $10,000 would not be taxed. Union wages, and thus first line supervisors and then up the entire corporate chain of command got compensation increases. Through negotiation, post WW II labor shortages, and an aggressively growing US economy, people found their wages entering the taxable income levels. In order to reduce the impact on blue collar and first level white collar workers, benefits were, as a matter of law, decided to not be income , and thus, non-taxable. Before the expansion of health care as a benefit of employment, and therefore, the insurance industry, the individual had to pay for medical services either out of pocket, or by paying for his own insurance, again, out of pocket.

The consumer of health care knew AND FELT, the direct costs of medical care. (For purposes of clarity, simplicity, and understanding, we’ll gloss over technological –pharmaceutical advances in the field, which, in and of themselves, are a significant factor in driving up costs.)

The individual needed cash in hand to visit the doctor.

The individual needed cash in hand to have the doctor make a house call.

The individual often looked to alternative, less expensive, care options. One got a mid-wife to deliver ones’ child. One had the child born at home, not in a specialized and expensive ‘birthing facility’.

The individual knew what he was paying for when he got it, and got what he was paying for and, in many instances, was getting more than he was paying for, the medical profession being very altruistic and actually believing in the Hippocratic Oath.

Almost all peaking of health care expenses have been caused by the interference of the Federal Government.

As noted, with Federal Labor Laws and the Internal Revenue Code impacting employment compensation, health care became an area of national interest. While employers and employees were working out a viable adaptation of this into their business models , left wing idealists were actually looking to create a capitalistic style economic safety net. Enter Camelot Jack and LBJ.

Jack was controlled by a GOP congress. Even so, he got us started in Viet Nam, failed us with Cuba, killed “The Monroe Doctrine” , but was persuaded to leave the domestic economy alone. Benefits packages became traditional in a very short time, and expected to expand as a method of tax avoidance.

LBJ, wanting to be more left than Camelot, with a Democratic Party controlled congress, got Medicare passed. Medicare is the first, direct, and most damaging of government intervention in health care spiking costs to levels that we will never be able to go back to.

Medicare provided our second, federally enforced, Ponzi scheme. Medicare, through the HCFA payroll tax, takes money from employees and employers, to pay for, AT NON-MARKET, BUREAUCRATICALLY DISCOUNTED FIXED RATES, health care for those over 65. There is NO negotiation for these rates, and facilities must meet government fixed standards. The actual cost of Medicare services has not, in Medicare’s history, ever met the actual cost of the services provided. Health care providers, and insurance companies, have simply allowed those unpaid costs to be integrated into insurance premiums.

This is the first, huge and unrealistic spike in health care costs; not caused by technological –pharmaceutical advances; NOT caused by an increase in wages to doctors and nurses; & NOT caused by a surge in facilities’ expenses.

A decade later comes the next huge spike, again caused by federal intervention.

HIPAA.

Except in few jurisdictions, those applying for a marriage license must get blood tests. These tests are not for DNA incompatibility, they are a check for venereal diseases being harbored in the applicant’s body. These tests are carried out by state law, under state constitutions, authorized by each state’s right to protect the health and welfare of its citizens. This is NOT a federal issue, however ….

With the expansion of “civil rights” well beyond that intended by the founders , or even by most US citizens, sexual preferences have been designated as constitutionally protected civil rights. In order to protect the reputations of people with HIV/Aids, HIPAA created a situation that so altered the medical care delivery system, that this political agenda and group preferential treatment, again unrelated to actual medical services, had caused billions of dollars to be spent to reconfigure the physical facilities of the system.

Prior to HIPAA, wards and semi-private rooms existed in hospitals, emergency rooms, and clinics. Wards, where groups of people could be treated using economy of scale to keep down costs, disappeared. Where one ward could treat 20 people, with a small group lavatory, where one main line could feed oxygen or other gases to patients, where one physician making rounds could visit 9 patients in an hour as opposed to 2, where nurses could be physically on hand for all circumstances .

Here are only some of the physical costs. A complete lavatory per room instead of a group lavatory, LIKE THE ONE THAT YOU HAVE AT WORK OR AT A RESTAURANT! Expanded physical space, the hospital building needing to expand the walls, ceilings, floors, electrical wiring, plumbing, elevators, &c, at what cost? Buying land to build on. Telephones, corridors, laundries, visitation space, &c. absolutely none of these things enhancing the delivery of services, but now required by federal law!

The Emergency Room Access Act, another federal law, requiring that, regardless of condition, legal right, criminal status, or ability to pay, everyone, in any and all conditions, who presents at an emergency room, must be treated and may not be released until the presenting condition has been “stabilized”. This, as argued prior to the enactment of this legislation, simply made Emergency Rooms, the clinic of choice for the uninsured, the illegal, and the criminal. This created an economic crisis in the delivery of emergency care.

And now, The Affordable Care Act, which, according to all realistic estimates and CBO reports, will increase costs across the board, while at the same time, significantly lowering standards of care and rationing care in the same fashion as in Europe!

Consider: before The Affordable Care Act, everyone physically in the US, had free access to premium, personal health care, REGARDLESS OF ABILITY TO PAY!!!

Consider: before The Affordable Care Act, over 40% of all hospital beds, were being provided by charitable institutions, e.g., The Sisters of Carondelet (Roman Catholic), Long Island Jewish Hospital (B’Nai B’Rith), Shawnee Mission Medical Center (Seventh Day Adventists), St. Luke’s Health System (Episcopalian), &c., whose whole purpose is charitable giving, charity health care, and at no cost to taxpayers.

St. Jude’s doesn’t charge; Children’s Mercy Kansas City doesn’t charge; Cornell Medical Center doesn’t charge; KU Med doesn’t charge, &c. They are pleased to take insurance payments if the patient has insurance, but admission is not based on ability to pay.

Need I go into the constitutionality of it? It isn’t!

Footnotes:
I could easily go into how FDR created the extended US economic depression through his keeping the US Dollar pegged to gold when economists were telling him not to and his Euro-Centric monetary policy, and other anti-US policies of his, but there’s a whole section in “The Albany Plan Re-Visited” about this.
Tangentially, this has led to the pension problem, most particularly how it has killed the US auto industry through the inability to fund UAW pensions, and the bankruptcy of Detroit, and soon of Illinois and California.
Another point not needed here: Tort Reform and the needed additional education, and its inherent expense, that doctors need to understand and use the advancing technologies.
Ok, it’s the 50’s. This model predated globalization and the fierce competition in labor costs currently impacting us. For the moment, we are only dealing with a portion of the entire problem of utopian government failure.
Yah, another area we’ll gloss over. Just suffice it to say that in exchange for the USSR removing inoperable missiles from Cuba, Camelot Jack promised that the US would no longer take any military action against anything going on in the Western Hemisphere, and guaranteed the territorial integrity of Cuba.
Avoidance, not evasion: Avoidance is every citizen’s duty, evasion is a felony.
I have litigated extensively in this area; I know whereof I speak in detail.
And, one must consider that 90% of ones’ total medical costs come in the last one year of ones’ life. Pause for effect: yupper, this means that by unconstitutional government fiat, 90% of almost all medical costs of ones’ life had just been shifted from the individual, to the taxpayer! AND, worse yet, these are at an unrealistic discount!
Two direct points here: a quick survey of the writings of the founders shows both health care and sexual preferences to be areas of life from which the federal government was specifically excluded; and two, the founders included Article V, again in both “The Federalist Papers” and in “The Anti-Federalist Papers”, as a method of allowing THE TAX PAYING CITIZENS, to amend The Constitution, to specifically deal with such issues. As an aside, they did consider giving this power to The Supreme Court, and rejected it. Something that CJ Marshall decided on his own to change.
Compare that to the current facility where a nurses’ station is located yards down the hall from the patient’s room. If the nurse is busy in room 3 and the patient in room 1 pushes her emergency button, which lights up the previously un-needed red bulb over the patient’s exterior door, how is she to know that the patient in room 1 is in need? What if this need is a critical need? The heart monitor beeping flat line, but the nurse so out of position that she will never know until the patient in room 1 has passed.
While running for president in 2008, Hillary Clinton stated in an interview that the cost of the uninsured to the insured was $800 per premium/ individual covered by private insurance. Compare that to the CBO $2,500 – $7,500 estimate of premium increase under “The Affordable Care Act”.
A known to me true example is that of the Multiple Sclerosis sufferer, unfortunately no celebrity like Michael J. Fox has chosen this disease to become the spox for, but, Avonex, Beta-Seron, and Ampyra, are now on the questionable list for Rx. The first two are anti-cancer drugs, the last a muscle treatment which allows a sufferer to actually lift one’s legs and walk without falling, stumbling, or collapsing.
Although the unconstitutionality of it is posted elsewhere on this blog, y’all must consider the very simple fact that The Federal Government, under this constitution, does not have the authority to force someone to buy something, nor to force an employer to pay for something, that they do not want. (I have pointed out elsewhere how CJ Robert’s ruling is corrupt and unconstitutional on its face, posted elsewhere on this blog.)

[Addenda: received the following email, its self-explanatory, on 27 March 14 :

I Think SHE IS PISSED!

I don’t think ‘pissed’ really covers it!!!!

Alan Simpson, the Senator from Wyoming , calls senior citizens the ‘Greediest Generation’ as he compared “Social Security” to a Milk Cow with 310 million teats.

Here’s a response in a letter from PATTY MYERS in Montana … I think she is a little ticked off! She also tells it like it is!

………………………………………………………………………………

“Hey, Alan, let’s get a few things straight!!!!!

1. As a career politician,

you have been on the public dole (tit) for FIFTY YEARS.

2. I have been paying Social Security taxes for 48 YEARS (since I was 15 years old. I am now 63).

3. My Social Security payments, and those of millions of other Americans, were safely tucked away in ‘an interest bearing account’ for decades until you political pukes decided to raid the account and give OUR money to a bunch of losers in return for votes , thus bankrupting the system and turning Social Security into a Ponzi scheme that would make Bernie Madoff proud.

4. Recently, just like Lucy and Charlie Brown, you and “your ilk” pulled the proverbial football away from millions of American seniors nearing retirement and moved the goalposts for full retirement from age 65 to age, 67. NOW, you and your “shill commission” are proposing to move the goalposts YET AGAIN .

5. I, and millions of other Americans, have been paying into Medicare from day one, and now

“you” propose to change the rules of the game. Why? Because “you” mismanaged other parts of the economy to such an extent that you need to steal our money from Medicare to pay the bills.

6. I, and millions of other Americans, have been paying income taxes our entire lives, and now you propose to increase our taxes yet again. Why? Because you “incompetents” spent our money so profligately that you just kept on spending even after you ran out of money. Now, you come to the American taxpayers and say you need more to pay off YOUR debt.

7.To add insult to injury, you label us “greedy” for calling “bullshit” to your incompetence . Well, Captain Bullshit , I have a few questions for YOU:

1. How much money have you earned from the American taxpayers during your pathetic 50-year political career?

2. At what age did you retire from your pathetic political career, and how much are you receiving in annual retirement benefits from the American taxpayers?

3. How much do you pay for YOUR government provided health insurance?

4. What cuts in YOUR retirement and healthcare benefits are you proposing in your disgusting deficit reduction proposal, or as usual, have you exempted yourself and your political cronies?

It is you, Captain Bullshit , and your political co-conspirators called Congress who are the

“greedy” ones. It is you and your fellow thieves who have bankrupted America and stolen the American dream from millions of loyal, patriotic taxpayers. And for what? Votes, your job and retirement security at our expense, you leech.

That’s right, sir. You and yours have bankrupted America for the sole purpose of advancing

your political careers. You know it, we know it, and you know that we know it.

And you can take that to the bank you miserable son of a bitch .

NO, I did not stutter.

P.S. And stop calling Social Security benefits “entitlements”. WHAT AN INSULT!!!!

I have been paying in to the SS system for 45 years. It’s my money-give it back to me the way the system was designed and stop patting yourself on the back like you are being generous by doling out these monthly checks.

EVERYONE!!!

If you like the way things are in America delete this.

If you agree with what a Montana citizen, Patty Myers, says, please PASS IT ON]

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