Wellpoint raises premiums in California

Sen. Harry Reid (D-NEV) got on the Senate floor today to crucify Wellpoint for health insurance premium increases. He did not elaborate on anything vaguely resembling facts. He said that Wellpoint and other "greedy insurance companies that care more about profits than people" are an excuse to ram nationalized medicine down the throats of the American taxpayers. This reminded me of an article Dana Milbank (Washingtonpost.com) wrote about Mr. Reid back when he introduced his own bill with the public option (aka socialized medicine). He did not consult any of his fellow senators; democrat, republican or independent. He just did it out of the blue sky. Mr. Milbank wrote that this was unusual behavior for Mr. Reid, who was known mainly for just bringing pork barrel funds to Nevada. Mr. Milbank thought the real motivation for Mr. Reid's newfound concern for all his fellow Americans was the difficult re-election he faces this year. By becoming an advocate for the public option, Mr. Reid hoped to win over more left wing liberals in Nevada.

I have to agree with Mr. Milbank. Mr. Reid's motivation is self preservation of his Senate seat, not any newly awakened compassion for taxpayers with rising health insurance costs.

Wellpoint's CEO of the consumer business unit, Brian A. Sassi, pointed out that California consumer business unit has been losing customers due to the recession and higher health care costs. Healthy people are dropping insurance or buying less expensive plans. When this happens there is less revenue to cover the sicker & older people who keep their plans. He also pointed out that the House and Senate bills have been watered down on the issue of universal coverage. The penalties for not buying insurance are too low to enforce compliance with any requirement for universal coverage. Unless Mr. Reid and his universal health care left wing cronies are willing to start fund drives to cover these losses, the premiums will go up or Wellpoint will have to get out of the individual health insurance business in California.

Of course, Congress will hold hearings about these increases. What else is new? This is just demagogues putting on a show. I have no doubt part of Mr. Reid's rise in attacks on the insurance companies for being insurance companies is another effort to get himself re-elected.

Go Michelle Obama!!!

Where have I been lately? I just read about Michelle Obama's initiative on childhood obesity. Finally, something really substantial that will lower the spiraling cost of health care. This is something I forgot to put in my last post on the subject. Reversal of the growing epidemic of obesity will save scads of money in the future without lots of taxes today.
This is a great example of what our government needs to do, start using a variation of the KISS principle. Instead of Keep It Simple Stupid, Keep It Short and Succinct. As I have ranted before, it is easier and less burdensome to enact a 50 page bill than a 500 page bill. 2000 page bills are a nightmare for small businesses, why does our congress keep working on them?
Another interesting tidbit I learned is the Surgeon General, Regina Benjamin, is overweight. She defends her size by saying it helps her identify with the 67% of Americans who are overweight. I am obese and my doctor is very lean. He is an active runner. He practices what he preaches. Maybe this will be a great opportunity for Vice Admiral Benjamin to lead the way by personal lifestyle changes to lose weight.
Ranting about weight loss and government action, check out OKCmillion. Mick Cornett, mayor of Oklahoma City initiated a challenge to his city to lose 1 million pounds. Oklahoma City is one of the most overweight cities in the USA. Mayor Cornett started this campaign so Oklahoma City can shed its overweight stigma. (Sorry, I couldn't resist that almost pun.)

A modest but realistic proposal on health care reform

I read an AP article online today indicating the democrats are still trying to put through their bloated 2000 page pig ears.(pork and earmarks) They are hoping President Obama's state of the union address tonight will inspire them to get back on track and railroad their alleged health care reform through congress and onto the backs of the American Taxpayers. Speaker Nancy Pelosi said not having a health care reform package enacted was unacceptable. Last week she said she did not have the votes to pass the Senate health care bill. Is there a link between Botox abuse and Alzheimer's?

I know I've said parts of this before so bear with me. Here is my proposal on REAL health care reform:

1. Put limits on malpractice suit payment amounts. This would lower the malpractice insurance premiums paid by health care providers. It would also cut back on the use of "defensive medicine" where Doctors order marginally at best procedures not for the benefit of their patients but to protect themselves from a malpractice claim.

2. Limit advertisements for prescription drugs and other covered procedures. They are the most prevalent ads in the media today. These ads actually encourage patients to ask for certain drugs from their doctors. If they trust an ad on TV or a magazine more than their doctor's judgment, they should change doctors. After all, that is what doctors really provide; their professional opinion and advice on the best method to treat illness and injury.

3. Put page limits on all legislation, not just health care boondoogles. The senate finance committee's version was 1000 pages! The house, overachievers that they are, doubled the ante to 2000 pages. If any member of congress has the rare blend of audicity, stupidity and arrogance to say they have read any of these bills, they should be shot in both feet with a pellet gun. The members of congress do not read these bills, they rely on congressional aides and interns (remember Monica Lewinsky?) to read and summarize a small portion of the total bill.

There was a parable about several blind men trying to describe an elephant by touching different parts of the elephant's body. Needless to say, the man touching the trunk reached a different conclusion than the men touching the elephant's ears, flanks, legs and underbelly. This is the same way health care bills are presented to congress.

To continue elephant parable usage, let me quote the great educator Marva Collins. When her students faced an overwhelming learning task, she would say "How do you eat an elephant? One bite at a time." If congress would do this instead of trying to swallow the whole hog at once, they would be more effective and productive legislators. (Did I just mix my metaphors with elephant and hog?)

Transparency with the stimulus funds report

I just finished reading an interesting article on the Phoenix Arizona tv Channel 12 news website about the uproar over the errors in the stimulus quarterly reports. Apparently lots of funds were sent to nonexistent congressional districts. Fortunately, there were also lots of jobs created or saved in these same phantom districts. The Franklin Center for Public and Government Integrity reports there were over 440 phantom districts in the stimulus reports.

This amazes me since there are only 435 congressional districts in the USA. I am not an accountant or auditor, but it seems to me that if X amount of funds were paid to phantom districts then there should also be X amount of funds missing from the total paid to the non-phantom i.e. real congressional districts. Channel 12 reports that it appears most of the phantom funds were paid to the intended receivers, they just made a little error in reporting the district number.

I am certain this can be corrected sooner or later. Maybe the stimulus reports should only be done by states and not districts. After all transparency means the ability to see something clearly. Phantom means invisible.

If we, the American people, will have accounting problems with the $787 billion stimulus spending, what problems will we encounter if Obama/Pelosi care gets enacted? The senate finance version was about 1000 pages, the house version 1990 pages. We cannot afford the printing costs of these proposed bills. What will happen when if it is passed and employers, insurers and health care providers have to figure out how to cope with it? I am thinking, if the government cannot do better than this with the stimulus, we may have a health care revolution in the near future.

Congress attempts to rewrite preventive care study

The September 1, 2009 issue of the Washington Post reports a study of the cost effectiveness of preventive care is not going to generate the savings that have been promised by advocates of Obamacare. Entitled "Using clinical information to project health care spending," the study was published on the website of the journal of health policy research "Health Affairs." Michael J. O'Grady , one of 4 authors of the study, had this to say about the study. "There's no free lunch here. Prevention will not pay for everything. But it's not as expensive as it looks at first blush"

How did Obamacare supporters in Congress react to this. They have already requested the Congressional Budget Office, the nonpartisan agency established by Congress to provide impartial evaluations of the cost effects of proposed legislation, to revise their studies to support their position. Donna Christensen, (D-US Virgin Islands) introduced a bill which would allow congressional leaders to request the CBO to alter their research methodology to a longer time period in hopes it would show more beneficial cost savings. I wonder what the Obamacare fans would say if the 25 year time frame still did not generate the savings they say preventive care will cause.

I say preventive care should be a major part of any health care reform. It doesn't matter to me if it generates savings or not, it will improve the quality of life for the chronically ill. The Hippocratic Oath requires Medical Doctors to do no harm or injustice to their patients. This is what preventive care is all about, providing the best care possible for the ill. The Obamacare fans seem to want their cake, eat it and lose weight at the same time.

Three cheers for sensible and reasoned arguments

Quote of the Day:

"I suspect that once we get into the fall and people look at the actual legislation that's being proposed, that more sensible and reasoned arguments will emerge. And we're going to get this passed."
- President Barack Obama on his proposed 1000+ page health care reform bill. Yahoo News August 10, 2009

CounterQuote of the Day:

It will be of little avail to the people that the laws are made by men of their own choice, if the laws be so voluminous that they cannot be read, or so incoherent that they cannot be understood; if they be repealed or revised before they are promulgated, or undergo such incessant changes that no man who knows what the law is today can guess what is will be tomorrow."
-James Madison Federalist no. 62 February 27, 1788. Italics added

President Obama has gotten me a little dazed and confused. I was in total agreement with this quote until the last sentence. I was hoping he meant that negotiation & compromise would prevail in a bipartisan effort to really trim this whale of legislation down to the size of a tuna, a walleye or even a trout. But no, my hopes are dashed. My interpretation of "and we will get this passed" means his wants the whole 1000+ pages. This quote was made in response of some of the more vocal citizens at the Town Hall meetings. Some were against Obamacare, some for it. It's definitely a political hot potato.

Take a lesson from recent history, Mr. President. Hillarycare was 1300 pages and it never made it to a single vote. Here's another quote from today's WashingtonPost.com to help illustrate this. This is from Susan Wells speaking to Perry Chang, a volunteer canvassing door to door urging people to call their representatives on behalf of Obamacare:

It's like one of those things where you'd like to try it before you buy it," Wells said. "But once we do it, there's no going back."

I'm not sure where she stands on this. She told Mr. Chang she was concerned about friends and relatives without insurance. She likes her insurance but is concerned that her employer, the Red Cross, is cutting benefits. She attributed her angst about Obamacare to "fear of the unknown". This made me realize what bothers me about Obamacare. It is close to fear of the unknown, it is fear of the unknowable, unfathomable and incomprehensible. I am reminded of an old Chinese saying, "We are living in interesting times." This fall will be very interesting inside the DC beltway.

P. S. Is it just me or is there a pattern developing. Whenever we elect lawyers as Presidents, Clinton then Obama, we end up with proposed legislation that no one in their right mind would want enacted.

More quotes on Obamacare

2 quotes for today

Because they lack the bargaining power that large businesses have and face higher administrative costs per person, small businesses pay up to 18 percent more for the very same health insurance plans – costs that eat into their profits and get passed on to their employees.

As a result, small businesses are much less likely to offer health insurance. Those that do tend to have less generous plans. In a recent survey, one third of small businesses reported cutting benefits. Many have dropped coverage altogether. And many have shed jobs, or shut their doors entirely.

This is unsustainable, it’s unacceptable, and it’s going to change when I sign health insurance reform into law.
President Barack Obama Weekly Address to the Nation 7/25/2009 Available at www.whitehouse.gov/

When I take this bill to the floor, it will win. But we will move forward

Speaker of the House Nancy Pelosi on CNN State of the Union July 26, 2009 Transcript available here.

First, I am absolutely delighted that President Obama realizes the importance of small business in the American economy. He cites a rather long study by the Council Of Economic Advisers to support his concern. The report is also available at whitehouse.gov. It is dated July 25, 2009 the day he gave his weekly address. Too bad the CAE didn't publish it sooner, I'm certain it would have dispelled any and all concerns about a negative impact of health care on small businesses. (slight sarcasm!)

For Speaker Pelosi, a point of clarification please. You stated that when you take the bill to the house floor you will win, which I presume is your goal. Then you say "But we will move forward." The way I interpret this remark is that the health care bill is a move backward, if you move forward after it is passed by the house.

And now a question for both of you. Imagine you are not professional politicians for a moment but small business owners. Which would be easier for you to understand and comply with, a bill that is 10 pages long, 100 pages long or 1000 pages, the length of the current Health Care Reform Bill? Do you see my point? I believe you will have better success if you break it up and try to get the least expensive and burdensome parts of the bill passed first. But then, what would I know? I'm not a professional politician.

Great News for health care reform!

Senate majority leader Harry Reid (Dem-Nevada) announced today there will be no vote on President Obama's requested health care legislation before the summer recess. Thank goodness for this decision. There is still some sanity left in Congress. As I stated earlier, the USA has gotten by without the so-called direly needed health care reforms, we can get by a little bit longer. Again, I remind President Obama he still has 3 years left to do this. A little more deliberation and negotiation will only make it better not worse.

More scare tactics on health care reform

This is from President Obama's weekly address to the nation today. You can read the entire text or watch the video at WhiteHouse.gov.

"Or whether we'll seize this opportunity -- one we might not have again for generations -- and finally pass health insurance reform this year, in 2009."(italics mine)

What is the basis for this?? What will happen 09/01/2009 that will prevent any form of legislation on health care for generations?! Congress is just taking their summer recess. They will come back and carry on as they always do. President Obama does not tell us the source of his urgency in his speech today or any other day that I am aware of. I sure hope he tells America why we can only act now, the suspense is killing me.

Sen. Jon Kyl (R-Az) delivered the Republican Weekly Address today and proposed a reason for President Obama's repeated warnings that it is now or never for health care reform.

"The President and some Democrats insist we must rush this plan through, why? Because the more Americans know about it, the more they oppose it. Something this important needs to be done right, rather than done quickly."

At first glance, it sounds like a conspiracy theory. But the more I review the rhetoric and the conspiracy theories of the President and the Democrats, his explanation becomes more and more plausible. You can watch his address here on youtube.

A Few Quotes on Obamacare

Here's a few quotes on the so-called dire need for health care reform.

"We will work through some of the differences we have among the members, both Democrats and Republicans, with the objective that we will have a bill," Waxman said. "We cannot allow this issue to be delayed. We cannot put it off again. We cannot — quite frankly, cannot — go home for a recess unless the House and the Senate both pass bills to reform and restructure our health care system." Rep Henry Waxman D- California.

"I don't know many small-business men or women who are making themselves $280,000, so I am not sure that very many small businesses are going to be affected by this," Hoyer said. "But we are committed to paying for health care reform. The Senate is committed to paying for health care reform. . . . That is one option that has been proposed." House Majority Leader Steny Hoyer, D-Md

Both quotes from the Belleville News-Democrat July 14, 2009 "House Democrats propose surtax on rich to pay for health care."

And now for a counter quote to both:

"Imagine, if you will, that I am an idiot.
Then, imagine that I am also a Congressman.
But, alas, I repeat myself."-- Mark Twain 1866

To Mr. Waxman, please read my blog on June 16, 2009 on health care reform. Bill Clinton said the same thing you did back in 1993. His prophecy of doom and gloom did not materialize. Health care reform advocates like yourself should read the parable about the little boy who cried "Wolf!" The USA has hobbled by without the so-called needed reforms we can probably get by a little longer. Maybe we should focus on economic recovery first then if there is a need for health care reforms it will be obvious to anyone.

To Mr. Hoyer, just because you don't know many small business people making $250,000 doesn't mean they aren't out there. Maybe you do know some and they just don't feel their earnings are any of your business.