Tuesday, November 12, 2013

ObamaCare Affects Many More Than Advertised

I have three cardiologists (one primary, the others electrophysiologists), a pulmonologist, an orthopedist and a family practitioner/dermatologist. They are all top-notch physicians who love their work and love their patients. Four of them tell me they are going to be adversely affected by ObamaCare and may have to change the superior way they do medicine.

My primary cardiologist is going to have to cut back his staff to meet the new demands placed on him by ObamaCare. Can you say, “Increased unemployment?” The electrophysiologists are going to be compensated less per case under this despicable plan. Their decisions about who can get what care is going to change for the worse, not the better.

Sure. These are anecdotal to the “experts” and to the masses, but they are directly affecting the way they are able to treat me, and thus are important to me.

For many years, The United States has been the destination of people from all over the world because of our high standard of health care.

Now I am the first to admit that the insurance industry had (has) major problems. Most of those problems, though, were brought on by federal regulations that made it increasingly difficult for them to provide the proper type of insurance coverage. Many of them are going to be forced out of business by ObamaCare. Can you say, “Unemployment” again?

One of the things that should have been done (and what can still be done if anybody has the political fortitude to get it done) is to have eliminated certain regulations that prevented insurance companies from directly competing with each other.

If an insurance company wants to expand to serve people in another state, it has to actually form a completely new business in that state, one that disconnects it from its parent company. In other words, it is prohibited from effectively crossing state lines to compete with companies already in that state.  A few large companies managed to accomplish this kind of service, but many have not. The result has been less competition and higher prices for policies.

That is the result of government regulation that has nothing to do with health care or insurance but is a result of government’s insatiable desire to control everything and to prohibit the free exercise of business.

Now I am not talking about health standards, I am talking about commerce standards.

Liberty demands that companies be able to offer what they want to offer, to whom they want to offer it when and how they want to offer it. If I don’t want what company “A” offers, I’ll go to company “B”, who offers what I want at the price I want.

By the way, it would be billions of dollars cheaper, and far less destructive, for the government to just provide demonstrably necessary coverage on preexisting conditions only for those whose insurance doesn't cover them than it would be for them to usurp the entire commercial activity of existing companies. As it is, we are going to proudly provide coverage for 30 million people while causing nearly 50 million people to lose the coverage they want. To a liberal, that makes good sense, but only to a liberal.

If my house catches fire, I’m going out immediately to purchase a fire insurance policy to cover the costs. If I have an accident I’m going to contact GEICO and save up to 15% on my car insurance and let them cover the costs of the accident. If I die, my wife is going to contact Met Life and let Snoopy give her a settlement (4 million dollars sounds about right).  I’m sure my home insurance company, GEICO and Met Life will appreciate the opportunity to cover what has already happened.

There are dozens of other regulations and restrictions that could have been lifted or altered to allow health insurance companies to offer better coverage at lower rates, but the government has a vested interest in keeping that from happening.

Instead we get ObamaCare, that will cost trillions of dollars and will work to provide good health care coverage about as well as their web site works.

Of course, Obama is sorry for the inconvenience 50 million people are going to experience, losing their health care. Not to worry, though. He will force them to sign up for ObamaCare, as soon as he can figure out how to make the sign up process work. He’s sorry alright.

7 comments:

Xavier Onassis said...

Joe - "I have three cardiologists (one primary, the others electrophysiologists), a pulmonologist, an orthopedist and a family practitioner/dermatologist."

All of which are paid for by the American tax payers because your primary health care provider is the federal government. You're welcome. We're happy to do that for you. Although we wouldn't turn our nose up at an occasional bit of gratitude instead of constantly snapping at the hand that cares for you.

"My primary cardiologist is going to have to cut back his staff to meet the new demands placed on him by ObamaCare."

What "demands"? "Obamacare" is a federally mandated marketplace that allows people to shop for insurance plans. It does set certain minimum standards for the insurance that can be offered, but doesn't place any "demands" on doctor office staffing. Your doctor is blowing smoke up your skirt.

"The electrophysiologists are going to be compensated less per case under this despicable plan. Their decisions about who can get what care is going to change for the worse, not the better."

So they are making their decisions "about who can get what care" based not on the medical needs of the patients but on which patients can make them richer. Maybe they shouldn't be in medicine at all. They sound more like investment bankers. Money, money, money!

"For many years, The United States has been the destination of people from all over the world because of our high standard of health care."

That hasn't been the case for many, many years, long before Obama became president. We've discussed this before. Google "medical tourism" and you will find a huge, booming industry catering to Americans who are travelling to other countries to get equal or better healthcare for a fraction of the price.

"If an insurance company wants to expand to serve people in another state, it has to actually form a completely new business in that state, one that disconnects it from its parent company. In other words, it is prohibited from effectively crossing state lines to compete with companies already in that state."

That is because the states regulate the insurance companies within their own states!!! It has nothing whatsoever to do with federal regulations! What you are advocating would be an expansion of the federal government that would take the power to regulate insurance companies away from the individual states!

Inconsistent and hypocritical much?

"Liberty demands that companies be able to offer what they want to offer, to whom they want to offer it when and how they want to offer it. If I don’t want what company “A” offers, I’ll go to company “B”, who offers what I want at the price I want."

Fine. Following your standards, I want to start a company offering GUARANTEED IMMORTALITY PILLS to anyone gullible enough to buy them!

Side effects may include a cure for baldness, increased vigor and virility, improved looks, a better personality, weight loss without exercise and permanently minty breath.

I'll sell bottles of 100 pills for only $19.95!

Of course, the "pills"will contain nothing but sawdust and sugar, but according to your definition of "Liberty", that is perfectly OK!

If anyone complains that they aren't really "Immortality Pills" and demands their money back, I can say "But you haven't died, have you? So that's proof that they work! No money back for you!"

How many bottles can I sign you up for, Jo-Joe? You look like the gullible type to me.









sue hanes said...

Joe - I just hope this all comes to a satisfactory solution - and soon. For the sake of the individual citizens - and for our country.

Duckys here said...

@Joe --- Liberty demands that companies be able to offer what they want to offer ...
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No, profit demands that not liberty unless you're still into the "corporations are people" meme.

But that is in fact exactly what has happened with the bare bones quasi policies. Companies are dropping the policies and offering more expensive coverage with no information to the consumer that the consumer has the liberty to use the exchanges.

You seem fine with competition unless one of the "competitors" is the government in a system that has granted an antitrust exemption to for profit insurers.

Fact is Joe, your Medicare policy provides excellent coverage at a low cost but trying to extend that benefit to the poor gets you all upset and we get this yammer about ruining the health care system. no liberty and blah bah blah.

I still don't know what your true position is, Joe. It seems to be, "I have a government plan that pays three heart specialists but I begrudge you the same."
I'd say, "hardly Christian" but it seems consistent with the Calvinism you appear to embrace.

Duckys here said...

XO, does that $19.95 include shipping?

Duckys here said...

@XO --- That is because the states regulate the insurance companies within their own states!!!

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Funny how Joe overlooks that. When a state forms its own regulatory agency and requires insurers to incorporate under those regulations rather than allow the insurer to operate with the loosest possible regulations Joe gets all upset and forgets states rights.

I'm not sure Joe has thought this out fully. I wonder what Glenn has to say.

Xavier Onassis said...

Ducky - I can't ship for free!!! THAT WOULD BE SOCIALISM!!!

Xavier Onassis said...

Ducky - "I wonder what Glenn has to say."

After interacting with G.E.C. on this blog for many years now, I'm sure his response would be something along the lines of "CLOWARD-PIVEN! CLOWARD-PIVEN! LIBERAL MEXICAN APOSTATE HOMOSEXUALS WILL NEVER TAKE AWAY MY GUNS! SWIFFER PADS! BACON! PONIES! AAAGGGHHH!!!"

Unless he has taken advantage of the new mental health care provisions in Obamacare and is on his meds. Then he might be somewhat more rational.

But I doubt it.