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Thursday, September 06, 2007
Larry Elder :: Townhall.com Columnist
Memo to Actors: Dream On . . . Just Use Your Own Dime
by Larry Elder
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"Don't you think -- because of that program -- society benefits?" an actor friend of mine asked me recently. She referred to a taxpayer-provided health care program that she "turned to" during one of the many "down periods" during her career.

"Who told you to go into acting?" I said. "Some careers -- whether an actor, a baseball player or a ski bum -- are high-risk and low-reward. Why should taxpayers support your career choice?"

"But didn't you get scholarships and grants to continue your education past high school?" she asked.

"Yes," I responded, "because, unfortunately, government got into the business of funding students to go to college. I would have preferred to have gone to a bank and applied for money."

"Why would it be better to go to a bank?"

"Well," I said, "taxpayers would not subsidize my college choice and major. Secondly, a lender would likely require a major in something that would lead to a job so that the lender gets repaid. We, therefore, would produce fewer art history, English lit and drama majors. Or students might pursue double majors, so that if the 'dream' career fails to materialize, there is a viable alternative."

I showed her a recent sympathetic article in a major newspaper about the lives and struggle of several New York actors. They, for the most part, happily pursued their high-risk careers while using wit and creativity to survive in a high-cost city. The actors' ages ranged from 34 to 67. In two cases, after the actors' plays ended, they resorted to unemployment compensation. This is actually a government program that pays out-of-work people. Government requires employers to pay an unemployment tax, an inefficient system that discourages people from looking for work. Employers, as with all taxes, pass along the expense by raising prices charged to their consumers. So in the end we, the taxpayer, pay.

In another case an actor obtained, at long last, a government-subsidized apartment for $700 a month. New York, which once had a rich and varied supply of apartments, began rent control during WWII. While this benefits those tenants lucky enough or connected enough to land an apartment, the policy reduces the available supply of apartments and prevents landlords from getting fair market value from their investment. Continued...

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About The Author
Larry Elder is a syndicated radio talk show host and best-selling author. His latest book, "What's Race Got to Do with It?" is available now.
 
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Mr. Allen part 2
So of every 10 people that come to the ER, about 6 have some form of insurance (including Medicare and Medicaid). That leaves 3 that pay nothing and a 4th that pays a portion.

And the government mandates how much that medicare will reimburse for services, and I'm here to tell you, that medicare does not pay what private insurance pays. They pay a variable rate from city to city and can run from 75-85% of what the hospital actually charges for said services. And medicare easily made up half of those with some form of insurance seen in the hospital. So that's about 3 in 10. Although some have a secondary insurance.

So you have 3-5 that pay full price, 1-3 that pay 75-85%, 3 that pay nothing and 1 that pays something but usually less than 100%.

Now imagine that in any other business. If at best 50% paid full price for some service and the other half paid less than that. Do you imagine that costs would rise?

Mr Allen -part 1
I've been in the Hospital business since 1992, most of that as a clerk for the business office and on a med-surg floor. Recently I went back to school and got my RN. During that tenure I did a one month study of the payor status of patients in a Rural Texas hospital. The ER census for that month was a little over 1000. Of that 1000, approximately 400 were self pay, and of those maybe 100 made some sort of payment upon getting treatment while they rest said "bill me". It wasn't like I was putting the hard sell on these people, the order of the day was to try and collect anything we could, because that might be the only thing we ended up getting. So I would ask, "Can you pay anything, $20? 10? 5?" Very few paid anything to be seen, and if they had to do any waiting at all, were more than willing to complain. Fewer still actually paid the $100 ER fee up front. Here in Texas, it is state law that everyone be evaluated by a physician, and receive stabilizing treatment regardless of the ability to pay. This was intended for emergencies, but doctors fearing frivolous lawsuits treat everything that walks in. Got a headache? Why go to Walmart and buy Tylenol or Motrin? Like narcotics? Then say you have either back pain or migraines.

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