Perhaps among the most popular news items for people to scream zOMGWTF?! to in recent times has been that of health care reform. As such, we wouldn’t want to miss the boat completely, so let’s drag up this old article from CNN Money, ‘5 freedoms you’d lose in health care reform‘, and see if anyone is brave enough to discuss!
As we expect most readers to be a bit lazy and not particularly interested in wandering off to read whole articles, let’s get a quick overview here of just what we’re doomed to lose out on:
- Freedom to choose what’s in your plan
- Freedom to be rewarded for healthy living, or pay your real costs
- Freedom to choose high-deductible coverage
- Freedom to keep your existing plan
- Freedom to choose your doctors
In short, the Obama platform would mandate extremely full, expensive, and highly subsidized coverage — including a lot of benefits people would never pay for with their own money — but deliver it through a highly restrictive, HMO-style plan that will determine what care and tests you can and can’t have. It’s a revolution, all right, but in the wrong direction.
Ooh. That sounds horrible, doesn’t it? Let’s look at the details and dare to consider whether or not this article rings true today.
The bills in both houses require that Americans purchase insurance through “qualified” plans offered by health-care “exchanges” that would be set up in each state. The rub is that the plans can’t really compete based on what they offer. The reason: The federal government will impose a minimum list of benefits that each plan is required to offer.
The reactions I’ve seen to this assertion range from breaking down in tears to screaming ‘It’s a lie!’ to shrugging shoulders and saying ‘So what?’, with some people actually going back and forth through each almost as though they suffer from some manner of psychological disorder. Truly impressive.
… the bills would ban insurers from charging differing premiums based on the health of their customers. Again, that’s understandable for folks with diabetes or cancer. But the bills would bar rewarding people who pursue a healthy lifestyle of exercise or a cholesterol-conscious diet. That’s hardly a formula for lower costs. It’s as if car insurers had to charge the same rates to safe drivers as to chronic speeders with a history of accidents.
So, prior to this there’s some mention of carrying the overly sick types, but here it concedes that this has to be done anyway, but really, shouldn’t people who are doing all they can to be healthy get some sort of benefit? (I’m not too sure about you, but I do feel like being healthy is, in and of itself, a pretty darned good benefit!)
The bills seriously endanger the trend toward consumer-driven care in general. By requiring minimum packages, they would prevent patients from choosing stripped-down plans that cover only major medical expenses. “The government could set extremely low deductibles that would eliminate HSAs,” says John Goodman of the National Center for Policy Analysis, a free-market research group. “And they could do it after the bills are passed.”
Nooooooooo! Not my High Deductible/Health Savings Account plan! ZOMGWTFMMABBQWWJDFAIL!!!1!!1!! Yeah, this just goes right on back to one the (if not THE) biggest disagreements here. Some people want for everyone to be responsible for their own health and others want everyone to pitch in so that everyone can all have the same and still more want to try to find some sort of balance. HD/HSA’s, for those of you who are unfamiliar, are probably the absolute epitome of the idea of keeping your own money as your own and not having anything to do with every other person out there when it comes to health care.
I’m not even going to look at the whole freedom to keep your own plan thing here. There’s just too much to it, and I am le tired. Just pretend I typed in some reasonably snarky, yet relatively neutral comments here about it along with some quotes from the article which you really should have read in full already if you’ve made it this far.
Next is the freedom to choose your own doctors and such. Yet another huge issue for the people who are more concerned with what they get for their money than the welfare of their neighbors. The concern is that a person may have to pay a premium amount, previously a personal choice, and get non-premium (welfare level) choice in who takes care of them. From what I can tell, the concern here is that we all end up going to the local government funded medical clinic for everything rather than going to our fantastic doctor’s plush family practice offices. Maybe this is a knee-jerk (zOMGWTF?!) reaction.
The Senate bill requires that Americans buying through the exchanges — and as we’ve seen, that will soon be most Americans — must get their care through something called “medical home.” Medical home is similar to an HMO. You’re assigned a primary care doctor, and the doctor controls your access to specialists. The primary care physicians will decide which services, like MRIs and other diagnostic scans, are best for you, and will decide when you really need to see a cardiologists or orthopedists.
Did he say assigned? I didn’t care for assigned seating in high school, personally.
Under the proposals, the gatekeepers would theoretically guide patients to tests and treatments that have proved most cost-effective. The danger is that doctors will be financially rewarded for denying care, as were HMO physicians more than a decade ago. It was consumer outrage over despotic gatekeepers that made the HMOs so unpopular, and killed what was billed as the solution to America’s health-care cost explosion.
I’m not actually sure, is being rewarded for saving money really worse than being rewarded for pushing name brand pharmaceuticals that may or may not be necessary? What do you think?