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Thursday, July 24, 2008
Charles  Boustany :: Townhall.com Columnist
Healthcare Solutions Americans Deserve
by Charles Boustany
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Will the Dems' health care Christmas Present to America be an improvement or detriment to our health care system?


Americans remain frustrated with the cost of healthcare.  As costs rise, fear grows that they will lose their coverage and even fall into bankruptcy.  American families face this anxiety everyday, but it does not need to be this way. 

Patients deserve more affordable and more widely available healthcare.  We must modernize our healthcare system and learn from other sectors of our economy, such as cell phones, where empowered consumers forced companies to compete by racing to offer a better product or service at a lower price.  Today, House Republicans will unveil a healthcare reform agenda that would begin to move us toward these goals.

As a physician, I know the best treatments come from accurate diagnosis, so we should start by looking at what is causing the problems with our healthcare system: 

·        Bureaucratic price-control formulas in Medicare, Medicaid, and other public programs disrupt the market, restricting access and distorting supply. 

·        Outdated tax policies distort the private market for health insurance, while offering nothing for millions without job-based insurance.

·        Wasteful, unnecessary lawsuits contribute

·         to a dangerous shortage of physicians in high-risk practices like obstetrics and surgery due to our unbalanced medical liability system. 

·        A patchwork of healthcare regulations and mandates discourages competition and drives up costs in the form of higher taxes and rising premiums.

When addressing healthcare, Washington fails to put the needs of the patient first.  Patients want personal, quality, high-value healthcare.  We must focus on what patients most want and need:  prevention, early diagnosis, control of chronic illnesses, enhancing the quality of life, and wellness – to help Americans stay out of the hospital and other expensive institutional settings. 

As a nation, we spend significantly more on healthcare than other developed countries. 

American families clearly deserve better value for their hard-earned dollars.   Better information and healthy competition among plans and providers will offer people more options and more affordable choices -- choices people value. 

Pressure to control healthcare spending will continue to tempt government bureaucrats and HMOs to follow the lead of other countries.  Socialized health systems allow patients to die by refusing to pay for new life-saving technologies and rationing medically necessary services by forcing patients onto life-threatening waiting lists.  They mandate government-only coverage from cradle to grave, yet quickly forget, as a Canadian court wrote, “access to a waiting list is not access to healthcare.”  Americans, working with their primary doctor, should be able to make decisions about how to best care for themselves and their families.

We must improve coverage and access for children, especially those in working families who cannot afford private coverage.  Last year, at least 68,000 low-income children in my home state of Louisiana remained eligible but were not enrolled in the State Children’s Health Insurance Program (S-CHIP).  Programs designed to help children must be more successful in reaching those who truly need it.  Patients and taxpayers deserve more accountability from government-run programs.

We can create a healthcare system that meets patients’ needs and allays Americans’ anxiety about healthcare by putting in place new policies that respond to consumer demands for more affordable health insurance and more control over their healthcare decisions. 

Congress should make coverage portable from job-to-job, and give Americans the same tax break when they buy insurance on their own that they receive when they get insurance through their jobs. We should create new purchasing-pool options to cover more people and provide more choices for individuals and families.  We should make it legal for working families to buy health insurance across state lines in a national market.  Congress could allow those eligible for public programs the choice to apply the value of their government health benefits toward the purchase of private health insurance, giving them more options for quality care. 

Universal coverage will not guarantee lower costs or protect access if Congress fails to reverse looming healthcare provider shortages, especially in the areas of nursing, primary care providers and heart surgery.  This begins by fixing the nurse faculty shortage forcing universities to turn away thousands of qualified students annually. 

Our current system largely ignores wellness and prevention, preferring to address preventable conditions when a person is sick and solutions are more expensive.  Congress should not dismantle the federal law permitting large employers to develop innovative worksite wellness programs.  Rewarding wellness and prevention is crucial, especially for small business owners and employees.

Finally, leaders in the public and private sector must accelerate efforts to make our health system more transparent.  Patients need useful, convenient, reliable information on health plans and providers so Americans have the tools to shop for the best value.  Access to secure patient-owned electronic personal health records is one needed step along with incentives for providers to add information to these records.

I look forward to discussing solutions to many of the challenges Americans face in healthcare, including long-ignored access problems in Medicare, Medicaid, and other government-run programs.  Any fundamental solution must start with a healthy doctor-patient relationship fostering trust, improving communication and focusing on the best interests and wishes of the patient. 

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About The Author

Dr. Charles W. Boustany, Jr. was first elected to Congress in December 2004 following a successful career as a cardio-thoracic surgeon. Currently serving his second term in office, Boustany represents Louisiana’s Seventh Congressional District, which covers the regions of Acadiana and Southwest Louisiana.

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Congress to fix Healthcare??????
Did I read this column correctly? The answer for healthcare is more government? Let me tell you a little story:

More Government = Higher Prices and Less Service

End of story.

Chronic ailments
80% of healthcare costs are incurred by 20% of the population. These are individuals with chronic ailments, and the overwhelming percentage have chronic ailments because of God and not because of "lifestyle choices". Private insurance companies seek to exclude those with chronic ailments from their plans, and use tactics like not covering treatments that those with chronic ailments require. (They call this: offering people more options and more affordable choices.) Any reform of the healthcare system has to account for the millions of our fellow Americans who expensive but treatable chronic ailments. (Think: the premature infant, or the 20 year old with cystic fibrosis.) How do we want the American healthcare system to treat them?

Reply
FTA: "A patchwork of healthcare regulations and mandates discourages competition and drives up costs ..." True enough; but is the solution really to allow health insurance companies to sell policies that "exclude treatments for cancer and diabetes" or "exclude treatments for pre-existing conditions"? Lately the news has been reporting on private insurance companies retroactively cancelling the policies of individuals who become diagnosed with cancer (and refunding their premiums), claiming that the cancer was a pre-existing medical condition and so voids the contract. The individuals in some cases had had the policy for over 5 years before diagnosis. Of course, once the word "cancer" is said, that individual is excluded from the private insurance market. How would Charles Boustany's proposals affect those individuals?

How about a market
It has been said before, but the key issue is there is not an open market for healthcare. The consumers most often do not know the real cost of their care.

Do you know what your Dr. charges for an appointment? What various treatments cost? I give a $20 co-pay wherever i go. Others pay $10 or $15 to the same Dr.

Who can make a wise and economically informed decision if you don't know the real price?

This would be an area which the government might actually make a useful difference: set a standard by which care costs are posted.

As John Stossel points out, you don't expect your car insurance to pay for the gas and oil changes. Neither should we expect health insurance to cover every little Dr. visit. It only hides the real cost and keeps us from shopping for the most economical and effective healthcare.

Not that easy
How about the millions of Americans who couldnt buy a health policy if their life depended on it! People with Chronic illness are denied coverage daily, what is the solution for these horrible acts by the beloved insurance companies that by the way have record profits all the while they continue to raise average premiums to record highs and when called on it they claim fraud,rising healthcare cost, etc etc. The Insurance Business needs reeled in but like the Financial Sector they are an Elite Group and therefore untouchable!

Ill take the Universal Healthcare
The current system is so broken, that Universal Healthcare is better than nothing! Like so many in America Health Insurance is out of reach and just not available, so what do we get NOTHING except what our meer pennies can buy and that isnt much and sometimes nothing at all!

Not Universal Healthcare
What you mean is Government pays all healthcare. The problem is it will bankrupt things.

If petrol (gas) was paid for by the government, would we conserve? Not much. You get as much as you want, so why conserve? However when the price goes up, you try to drive less. Maybe think about a Honda civic instead of a less efficient car or minivan.

Right now we have partial market with Insurance companies: you use more, over time your coverage ends up costing more, though it is hard see (see previous post). The problem is that the insurance industry is already too much like a single payer system.

However, if you take all the market out of healthcare, you will remove the efficiencies a market can deliver. A centralized government system can never compete with a market efficiently. Socialism has been tried: it always produces a lower standard of living than market based economies. If we try it with our US national healthcare it will fare no better.

Government levels playing field
The things that government is often good at is leveling the playing field for better competition. Through laws and the court system they can make sure folks play by the rules. So the folks who are refused coverage must have legitimate reasons. No fraudulent coverage dropping. Companies that can create more cost effective business models will prosper.

However, if insurance was to cover more of the severe and extreme (cost-wise) cases and not the routine checkup, the denial of the most needy would be seen all the more for what it is. Insurance companies not providing insurance does not look good, and makes for bad marketing.

I do know that if you give consumers the price and choice, and the price affects them, they will use the market to choose more wisely than a single payer system.

And there will always be those who are denied some kind of coverage; it will happen under universal government coverage. Somebody's appeal for a procedure will be denied, because resources are not truly unlimited. Any healthcare must be applied by humans, who lack perfection and will make errors in judgment.

Health care MUST be rationed
Constantly, from both the left and the right: "Oh the horror! Someone didn't live forever because it was too expensive to keep them alive!"... "Those greedy insurance companies! Health care is a RIGHT"!

The simple fact is, health care HAS to be rationed in one form or another.

My sister's mother-in-law, a 77 year old diabetic who had only worked part time at minimum wage her entire life, was admitted to the hospital with a cut on her leg that wouldn't heal. Total bills, over $1 million some 30 days later. All paid my medicare (i.e., you and your families). She was eventually discharged. She died eight months later.

We may be a wealthy society, but we DON'T have a million dollars for every little old lady with a cut on her leg! Not even close!

To all those "health care is a right" morons, I ask this: would you spend $1 million of your own money, if it was your own 77 year old, diabetic mother? Take out a second mortgage? Put the whole family into poverty, knowing that she probably will only live a few more years? Or would you do something more practical, like send her home and change her bandages yourself?
And maybe deal with the fact that old people tend to, you know, die, no matter how much (or how little) money is spent on them?

Oh, but I can tell, by the posts of GeorgiaGal and Florida, how much thought you've put into this! Why, I myself have a million dollars for my sisters's mother-in law, and another million for my own MIL, and heck, I've even got another million dollars for *your* MIL too! Just lying around! I'd hate to do something foolish with it, like, you know, invest it in a factory that, oh, I don't know, maybe makes MRI machines. Naw! Plenty more where that came from, for you, and you, and you too! It's endless! Or, at least, you know, once we have "universal health care", well, *then* it will be endless!

Let me guess, Obama supporters?

Government "universal coverage"
will never lower costs and it will never improve care. Quite the reverse.

why stop there?
Let's have universal food coverage! Universal car coverage! Universal yacht coverage!

There's a word for this. It's called communism, and when it's put into practice, you'll find they never even quite seem to get the "universal toilet paper coverage" part down, let alone any of the rest.

What a gem of an article!
As a chronic Lyme patient who is doing well thanks to one of the rare Lyme literate doctors who is, at this time, free to treat in the way he and and his patients experience to be effective, find the prospect of universal health care to be terrifying. The best and brightest will avoid going into medicine (it is already happening), and inevitable doctor shortages will be dealt with by gov't drones pushing mediocre students through med school, and then we will be assigned to these substandard "physicians" without recourse. Furthermore, seeing better doctors outside of assigned network will become illegal. I've seen this in mental health; it'll be no different in medicine.

In addition, human beings in gov't endeavors are every bit as corrupt as those in private ones. Only, gov't can force your participation. This is what the wheezy, whiney proponents of big gov't health care don't seem to get. At least with private health care, the control remains (to a greater degree) in the hands of private citizens.

Insurance vs Programs
I had a friend who was a lifew insurance salesman. He explained that the reserves those companies hold are an important underpinning of our economy. Government goes out promising everything and saving nothing. It is not insurance, at all and could well bankrupt the country.
I am also one of those chronic people. I have never been denied by private insurance or Medicare. A lot of liberals have compassion for people and problems that don't even exist. If they care so much, why don't we ever see them helping the poor?

medical cost
When you have to pay 10,000.00 for orthoscopic surgery on a shoulder, which is not major surgery, there needs to be some changes made.

OH yeh and the patient had to wait several months to get this minor surgery


GeorgiaGal
Insurance is just the pooling of risk. Companies aren't denying coverage to make big profits for the sake of greed. They are doing it so that they can stay in business without having to raise your premium a substantial amount. Pre existing conditions are excluded from policies, but that is just so that you can't wait until after you are sick to buy health insurance.

The problem with our system right now is that nobody with control of purchasing decisions cares about cost. Things are either covered by your insurance or medicare and if they are you can get the treatment no matter the cost or it isn't covered and it doesn't pay a dime for it. This is why you see so many wheelchair type devices that cost over $10,000. Companies that sell these advertise that if they approve you then you don't have to worry about paying they will take care of it. Yikes. We have to find ways to get people to be responsible with the money.

Cost me the same in 1955, and in 2008

Speaking of cost of health Care, my cost has not changed in over 50 years.

In 1955 while playing tennis, I got pains in my chest, was taken to the hospital, spent two nights. I had no insurance of any kind, and the cost was less than $200. (Collapsed lung.)

A few months ago I went to the Hospital with chest pains, spent 5 nights, had many tests, but I was up and walking all over the hospital each and every day. I had the terrible pain while at home, called 911, and the pain was gone before I arrived at the Hospital.

They never found the problem, the reason, inside, outside, or upside down. I am in such physical condition that I can touch my knees without even bending my elbows.

Yesterday I got the bill, nearly $80,000.00. Yes that is correct. Insurance paid $10,000, they “forgave” $70,000, and there it was, just the same as in 1955, I am to pay $200.

See, it cost the same to spent 5 nights in 2008, as it cost to spend 2 nights in 1955.

The funny thing is, I met nurses and technicians who were born in the Philippines, Thailand, Italy, Iran, Syria, Mexico, El Salvador, Ecuador, Romania, and a few more. What is going on here.

When one nurse was finished punching holes in me, filling me with awful tasting stuff, I said, “If this is the most fun you can be, no wonder you're never asked for a second date.”


Give them a checkbook


By the way, the way to reduce Health Care costs is simple. Just eliminate all insurance companies, their buildings, computers, and employees, and get rid of all Government health care employees.

Give every qualified doctor, hospital, and pharmacy a blank checkbook so they could write a check each evening for all the services they had provided that day.

Just hire a bunch of auditors to randomly check and made sure they aren’t stealing any more than is being stolen today. And on and on.

And I bet the cost would be cut in half.



This is the problem
"Yesterday I got the bill, nearly $80,000.00. Yes that is correct. Insurance paid $10,000, they “forgave” $70,000, and there it was, just the same as in 1955, I am to pay $200.

See, it cost the same to spent 5 nights in 2008, as it cost to spend 2 nights in 1955."

Cost you the same in direct costs yes. However, the cost the insurance company paid is also paid by you. That $10,000 is paid by you and the others who are insured by the same company. The premium they charge is based on what they estimate to have to pay out plus operating expenses. If medicare paid it then the taxpayers footed the bill.

The real strange thing is the fraudulent way they bill things, then subtract large amounts off. The bills should reflect the actual costs of procedures, my wife had to go the ER a few monthes back and on the bill was $900 for an IV, $1400 for Emergency Room(which was a small curtained off area of a large room), etc... at the end the bill was $3500, insurance paid a litle over $1000, we had to pay $100 and they subtracted off over $2000. Are there people that they try to charge this large amount to and then "make a deal" with them and allow them to pay less?

That was a joke!!

Austin Location: FL
Reply # 18
Date: Jul 25, 2008 - 1:48 PM EST

Can’t you recognize a joke when you read one?

That $200 in 1955 was 2/5 of a months pay, the $200 in 2008 is a small part of my Soc. Sec. check.

Due to inflation, the 1955 $200 is the same as $1,632.95 in 2008. The $80,000 in 2008, was equal to less than $10,000 in 1955.

The bottom line is, the cost of anything is equal to the time, the effort, the resources it takes to accumulate that amount of buying power.


Too few cures & preventions
Dr. Boustany doesn’t understand the problem. Not when a leading medical journal declares some 800,000 heart operations yearly medically unnecessary, and talks of better than 100,000 iatrogenic deaths yearly. The proposed solutions are mere bandaids.

The basic problem with healthcare is that its last cure or prevention for a major disease, polio, occurred over 50 years ago.

Yet a number of cures and preventions are advertised to exist for all major diseases. Is there an iota of curiosity about such remedies? Only by patients who, faced with medical ineffectiveness, pursue them on their own.

There are mountains of testimonials telling of the effectiveness of these advertised remedies. Mass delusion and the placebo effect are unlikely explanations. They are usually cheap. The benefit to cost ratios favor trying them.

Why end up like Tim Russet, after 10 years of care by obviously clueless cardiologists, when a web search will quickly reveal many remedies to study, and one or more to try. Chances favor finding one that works better than healthcare's, creating yet another word of mouth testimonial. Such avoidance of healthcare will lessen its ever-rising costs and ineffectiveness.
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