Tag Archive: insurance industry


Today the “news” announced that 26 years olds (up from 23) can now be insured on their parents’ corporate insurance plans as of today. My daughter is 24. She can get back on my plan. Except my company plan has to have it’s annual “enrollment period” which lasts for 4 months. So I can enroll her now but she can’t be insured until January and that will only last for another year and a half. Meanwhile our rates have gone up 17%. For many they have gone up well over 30%.

But I want to let all the corporate insurance companies out there know how much I appreciate their compliance with the law to allow my daughter to have health care for another 18 months. After all, we all owe our very existence to the corporate insurance industry. It is only by their willingness to let us pay outlandish premiums that we may live yet another day, at least until we actually do get sick and they deny coverage.

We must all pull together and do whatever we can to make sure the insurance industry continues to make its record profits for shareholders. These people need jobs. God knows they aren’t capable of doing anything productive for society. It’s a small price to pay that so many will die (45,000 annually – 15 times 9/11) so that so few may live so lavishly. The few, the proud, the greedy, the  shameful – the U.S. health insurance industry. Be proud and stand up for who you are.

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Dan Pfeiffer writes, “One of the hallmark tactics from opponents of health insurance reform has been to grab onto any convenient piece of information and twist it into some misguided attack on reform, no matter how unrelated it may actually be….. and Fox News obliges them with the headline ‘Critics See Health Care Rationing Behind New Mammography Recommendations.'” He says the media outlets feed on this kind of opportunistic “controversy.” Ya think?

Gee, how did the mainstream media miss this statement coming from the White House?

Pfeiffer continues that it’s ironic that the the right would spin this government agency recommendation as “health care rationing” that is part of the insurance reform movement. In fact health care reform proponents want to see increased preventative measures, as do most doctors.

One very basic problem with U.S. healthcare is that we have a policy of only providing free health care to people when they are in an emergency or at risk of death. By that time it’s often too late, especially in cancer cases. Staunch reform proponents want socialized medicine for all people to have health care as they need it, when they need it, for all ages – Medicare for all.

So the right is spinning this (what I would call suspicious) recommendation from the independent U.S. Preventive Services Task Force.

Note the word “independent.”

Health and Human Services Secretary Kathleen Sibelius had stated that she expects no changes to take place in the government or in the health insurance industry as a result of this (independent) USPSTF report. In fact she stated Wednesday that women should continue to get checked at age 40. Yet the right wing liars, as per usual, keep saying this stuff will be part of health care reform.

On the other hand we should indeed keep watch that the health insurance industry doesn’t try to sneak in this kind of cut back on preventative services which would benefit them and which they could blame upon reformers with this kind of media spin. How hard can it be to influence an independent task force when you’re an insurance industry that already has Congress on it’s payroll and has written the recently passed health care bill with lobbyists? This is all out media warfare. The pen is mightier than the sword.

Pfeiffer’s blog continues with the following clarification FAQ:

Will Medicare now stop paying for breast cancer mammography for women because of this recommendation?

Women who are currently getting mammograms under Medicare will continue to be able to get them. There are no plans to change that. The law states that in order to change Medicare coverage of mammograms a formal rule making process must be undertaken and that is not happening.

Isn’t this the first step toward denying coverage for mammograms?

No. The Task force is an independent panel of experts in prevention and primary care that evaluates available evidence and makes recommendations about effective clinical preventive services based on scientific information. Under the health insurance reform legislation, the USPTF would have no power to deny insurance coverage in any way. Their recommendations would be used in health reform to identify effective clinical preventive services.

How will this recommendation affect private health insurance coverage?

The Task Force does not address insurance coverage and payment issues; it focuses on the science of the clinical services it evaluates. Each insurance company is different and makes its own coverage decisions. The Task Force recognizes that clinical and policy decisions involve more consideration that this body of evidence alone. Clinicians and policymakers should understand the evidence but individualize decision making to the specific patient or situation.

Tommy Thompson said the Task Force recommendations were the official position of the U.S. Government. Is that your position?

We have tremendous respect for the Task Force and the work they have done. They are an independent scientific body that makes recommendations based on scientific evidence; however they do not set official policy for the federal government. Under health reform, their recommendations would be used to identify preventive services that must be provided for little or no cost.

Won’t the USPSTF be used to ration care under health reform?

Absolutely not. The USPSTF, an independent task force made up of some of the nation’s top doctors and scientists provides science-based recommendations regarding the most effective preventive, treatment and screening services. The Task Force’s recommendations would be used to help determine the types of services that must be provided for at little or no cost and the Task Force would have no power to deny insurance coverage in any way..

What do these recommendations mean for the current health reform bills?

While the bills are still being drafted and debated in Congress, health insurance reform legislation generally calls for the Task Force’s recommendations to help determine the types of preventive services that must be provided for little or no cost. The recommendations alone cannot be used to deny treatment.

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The Healing of America is T.R Reid’s new book that covers his trip to the other industrialized nations in search for a medical solution to his injured shoulder. His book is an excellent survey of how other countries (including France, Germany, Japan, Canada and India) handle healthcare. His question is how do they provide better healthcare than the U.S. at half the cost? He answers that question, but still can’t figure out why the U.S. doesn’t do it better.I was interested to find that France has a multi-payer system, although it is closely regulated with the bottom line that people will not be charged more than fixed amounts for specific procedures. This is far from socialism. In France they have a health card, like a credit card, that has a chip in it (like AMEX) that contains the card holder’s entire medical history. So doctors have no medical records, no files, no one to figure out what is covered and what isn’t. It’s all computerized.

It’s an amazing read.

http://current.com/e/91088270/en_US
President Obama recently mentioned at a town hall on health care reform that he didn’t support a single payer system because it would be too disruptive. He didn’t explain what he meant by disruptive but industry professionals assume he refers to health insurance industry management and employees who would become jobless in short order under a single payer system. It’s not clear if management outnumbers other employees. 

Obama is keeping these insurance industry jobs on as part of the government public option plan to persist health insurance industry control over people’s health care. Even without a public option, insurance companies stand to have an even better stake in the health care market. The future looks bright for health care insurance employees who will be able to continue their never ending thankless job of denying health claims to people in need of medical care. 

The 45,000 people who die every year due to lack of health care and from denial of insurance as well as the 14,000 daily who lose their health insurance are apparently forsaken for the few hundred thousand jobs in the health insurance industry. What’s a few hundred thousand lives and disrupted families every few years to as many well fed well paid industry office workers’ jobs? We need to have at least one or two industries that continue to make record profits while the rest of us face financial ruin. 

The move by Obama is in line with America’s ongoing shift toward corporate welfare socialism. The U.S. is the only industrialized nation that does not have a single payer type system to ensure all it’s citizens have health care and have healthy productive lives. It’s not certain if this fact is the symptom or the result of America slipping into the list of third world countries where 5% or less of the population control 95% or more of the country’s wealth and power. America is no longer considered a democracy by most people who understand the meaning of the term. We are at best an oligarchy, with our government under corporate control by the wealthy few.

In light of America’s failure to deliver health care, despite our advanced technology (only available to the very rich here) we now rank 37th in the world in health care. France is number one.

My suggestion is that Americans stop buying health insurance if they can avoid it. Vote with your wallet. That’s the only thing these people understand.