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Saturday, May 31, 2014

Let's Make Health Insurance Illegal!- The Sunday Collage

I have three blog ideas that I have been working on. I wanted to write a little bit on how people in political positions hire third parties, spokespeople, and create committees to do their dirty work. This seemed prescient with regard to Jay Carney hitting the bricks this week. Not only did Carney lie and obstruct the truth daily- but he really sucked at it. Perhaps working for Obama does that to you. So I am gonna tab that for the future.

The other blog I am working on is a double homicide we solved years ago. It is a pretty interesting story and I think it is worth retelling. So I think I will do that next. This week, I landed on health care after an experience I had on Wednesday. I also think I can expand this particular piece a bit and use it as an explanation for why I think it's time to abandon the whole government theme and move on. So without further adieu...

I am one of the victims of the health care fiasco. Today I am going to offer an interesting premise.

Why don't we make health insurance illegal? Or why is it that we punish millions of patients (virtually all Americans) while ensuring the survivability of just a few predatory insurance companies and their stockholders? How did we survive before insurance companies?

(and don't say because they have a congressional lobby and we don't- that is way too obvious)

On Wednesday, I had a much anticipated doctors appointment. I had waited 5 weeks for it. I found the office, filled out a ream of paperwork, and waited the obligatory 45 minutes that all people are forced to wait. Approx. 50 minutes later, I met the doctor. We did not hit it off.

First of all I should tell you that I do not like to wait five weeks for an appointment and when that moment arrives- wait another hour more or less. I also do not like doctors who really don't care for their patients- potential or otherwise. This doctor came in and informed me, quite clearly, of how she did business and that I, a coumadin user, would be required to attend a coumadin monitoring clinic that her hospital affiliation profited from. That clinic costs 100 bucks a month and does nothing other than a monthly blood draw. When I countered that a small private lab that I use only charges me 20.00 a mo. for the same service, she became indignant. She likened our situation to "dating" and said we might not be a good fit. After a good deal of back and forth, we parted company. The appt. was free. I did not pay for it and that item is key- because it was her suggestion and not mine.

Looking back on it, she very obviously would know I am un-insured because I stated that on a part of the ream of paperwork I filled out and I also mentioned that fact during our "date." That might have been strike one. Strike two occurred when I, the patient, suggested that I need not go in for monitoring every month since I have been taking coumadin for 25 years and not once has the dosage ever changed. Undoubtedly, her fragile ego equated this suggestion with an attitude of non compliance and insubordination to her omnipotence. Yet, I had the feeling that she was sabotaging our appointment very subtlety and that it started before she entered the room. In fact, the reason I was looking for a new doctor was the same reason that I believe I lost my last doctor.

I am uninsured. I spend my very own money on healthcare. And when you remove the real customer (health insurance) then you remove the ability for doctors, their staffs and armies of support personnel, to pry money from you. They cannot supplement their incomes and ancillary services without a faceless, deep pocketed third party that doesn't ask questions and doesn't price shop like I have to. When faced with someone who questions the legitimacy of monthly testing and the charges- today's charlatans are simply going to move onto insured people that will not ask questions. This is not rocket science. This is simple and discriminatory economics. I commend this doctor for her initiative in initially confusing me. She was weeding me out. But it is a rather brutish and superficial tactic to tell someone you are not interested in them- because they don't have deep enough pockets for you or even gasp!- that you have the audacity to speak up for yourself or offer alternatives.

I don't hold the doctor responsible. That she is another greedy cog in our capitalistic way of life is hardly noteworthy or unique.

I attribute most of this damage to insurance companies. For years, they blindly paid whatever charges doctors and hospitals sent in. As higher and higher costs compressed their profit margins- they simply passed those outrageous costs onto patients without so much as a passing vigilant glance so long as their margins remained intact. The real bust occurred in 2008 when millions of healthy Americans lost employer based coverage and never came back. Nothing will destroy health insurance profit margins quicker than losing your entire, healthy, paying customer base and leaving you with the unhealthy- or claim filing customer base.

I saw all of this coming in 2008 and I wrote about it here.

Lo and behold- it was government to the rescue! But they are not here to rescue you- they are here to rescue an insurance industry and lobby on the brink of bankruptcy. Oh sure, they tell you they are here to take care of you- the citizens. How do you know that was patent bullshit? Because they did not install one single reform. Not one iota of cost regulation. They simply doubled premiums, made not having health insurance illegal, and claimed they were doing all of that-for you. If you believe that the government gives two shits about you or your healthcare, I've got some oceanfront property in Idaho to sell you.

All they have ever cared about is separating you from your money.

To this day- I love the statists who buy into the government benevolence theme. This is the same government which drops bombs from drones onto people- ya know- for their own good. Or spies on every country and all of it's own citizens again ya know- for their own good.

How much cheaper would health care be if we were to outlaw health insurers? I'll tell you what. It would set the status quo right on their fucking ear, that's what would happen. You would instantly wipe out one third of the gross cost of health care- which would include a vast ocean of administrative costs, book keepers, billing agents, lawyers, accountants- which many insiders believe costs hospitals and thus insurers and ultimately insured patients- up to 40% of all hospital costs.

But most importantly, outlawing third party middlemen, would return patients to their doctors. It would return medical bills back to the people responsible for paying them.The people who are paying attention.

I wanted to snap a photo this week of St. Luke's Hospital and their administrative offices here in Boise. It is ginormous. St. Lukes is quickly becoming an Idaho monopoly as it uses it's tax exempt status to swallow every healthcare venue in the state. St. Lukes is erecting giant structures everywhere and taking over hospitals and clinics. Certainly they are not suffering too much as a result of our shared "healthcare" crisis-

So how radical an idea is it- to outlaw health insurers? Let me ask you 2008 did any of you think it was even remotely possible that government could force us to buy government mandated health insurance or suffer 1300 dollar fines by 2016? (based on 45k income)

Did you think that was radical? Or unconstitutional? I did. And the coup de gras occurred when that cowardly bunch of statists that masquerade as jurists- declared Obamacare a tax and made it legal.

So what would we do in lieu of insurance? Massive reform. Everything would be on the table. Predatory pricing on medical equipment and ridiculous drug protections. Cap outrageous punitive awards and use some form of arbitration instead. Catastrophic, chronic, and end of life care might have to be addressed in some pooling of assets. But mostly, people would pay for their own healthcare, just like I pay to get my teeth fixed. With cash. Our healthcare system is so broken- from top to bottom- that it is simply irretrievable. In about a year or so- we are all going to find out just how bad Obamacare is when insurance premiums skyrocket once more and instead of 500 bucks a month- insurers start asking for 800 a month. This shit is going to get completely insane because there is not one incentive anywhere which stops insurers, hospitals, or equipment suppliers from stealing us blind or slows down the demand from the millions of previously uninsured Obamacare patients who pay little or nothing into the system.

That 1300 dollar penalty is going to look like chump change by 2016. I'd bet my house on it.

So how is it that a rather small industry of corporate pirates are able to impose their will on Congress over the will of millions?

It is the same reason that Congress, over the cries of millions of us, bailed out bankers while robbing our treasury.

Congress does not act on behalf of "We the people." It acts on behalf of corporate America because it is corporate America who writes the campaign checks. It is that simple. That will never change until we pass campaign reform and term limits. Who passes those laws? Oh yea, Congress- the very people who do not want campaign reform or term limits.

Congress doesn't care about citizens. Virtually every day, I read some sucker's comments about how we have to vote these assholes out of office and guess what- people keep voting these assholes in. In this year's primaries- every incumbent won. How does that happen when this Congress has had a 10% approval rate for years?

People are uniformed and stupid. This does not stop them from voting.

And that people in a nutshell- is why I am sick of writing about government. Nobody has the balls to outlaw health insurers. There will never be any health industry reform until millions of people have died needlessly (think VA) and the premiums are so outrageous- that nobody can pay them. There will never be any campaign reform because the people who we are trying to subject to term limits- are the same people who will have to pass the term limit law. There will never be tax reform because those same bastards and their elite, pirate cronies are the very same people who benefit from the existing tax code. They are never going to change that.

You'd have to be a complete idiot or a pathological optimist at this point to think there is any chance that any of those things might happen.

So I think you have to get away from the idea that the Constitution means anything to the statists. It doesn't. The statists are working very diligently on rendering the Constitution useless and you are not going to stop that. I would argue with you right now- that at least half of the Constitution has already been rendered useless. They are rendering free speech useless right now. It's only a matter of time before they get it all.

I know the solution is acceptance. There is no stopping any of this. It doesn't take Nostradamus to tell me how all of this ends. The only pivotal question is when. My transformation to a political nihilist occurred right here in front of all of you. I reached this absolute and inescapable conclusion. It is simply a story of government incremental ism. Small steps, which ultimately will ruin the Republic. There will be another upheaval, perhaps a second revolution, and the whole thing will reset.

JFK, the last great President, ( with an honorable mention for Reagan) said it only takes one person to make a difference. God, I hope he was right.

So going forward I am going to focus on human interest stories, stories about pivotal, courageous people in my life, war stories from the old days, and insight. I might even try some fictional stuff with a message. I'm also probably going to change the name of this blog to reflect the new content change.

I want to thank everyone for their kind words of encouragement. Writing gives me a sense of community. I can guarantee you that I know more about some of the readers here than I know about my own neighbors- some of which I have not spoken to since moving into my house over three years ago. It's rather bizarre that I feel more of a sense of community on a website- than I do in my own neighborhood. Perhaps that is something else I must get used to.

So please stay tuned. I'll try and write some interesting stuff. Next week will be good. I am going to tell the story of how a couple of small town thugs murdered a couple of people and I am going to include some of the zany shit that happened during that investigation. I think you'll like it. Have a good week!



Compleat Patriot said...
This comment has been removed by the author.
Compleat Patriot said...

It's interesting how these political authoritarians dream up ways to make up more revenue collection. And in my opinion it's makeup revenue to cover for lost revenue from 100 million no longer employed and self employed people. Thats a big hit. So those of you still in the work force must pay higher taxation to cover the loss. Here's another example of this I looked into recently.

The Department of Building Safety has made the same type of revenue recovery strategy by increasing the cost of relicensing plumbers, electricians, and H-VAC technicians, in the last three years. A Journeymen Plumber used to pay around $25.00 to renew every four years. Now it's around $75.00. They also require around 20 hours of continued education, or renewal is denied. Inspection permits are higher. Code books are $120.00 each.

Building costs are through the roof yet the trades are bidding 40-50% under 2005-2008 prices. Also it is now the law that every repair be permitted. And the code book which I'm reading has tripled in size in order that the new regulations fit in there. Not to mention the additional "Energy Code" requirements. And any structural additions requires the original structure be brought up to current code. I've penciled some numbers on a couple of jobs in Unlimited Wealth Valley and my biz is still parked indefinitely. I can enjoy losing my life's savings and my ass while doing anything else other than slaving for nothing. So it's revenue makeup money.

And they're working on hitting us with carbon taxation one of these days.

So they're attempting to improve their own economy while killing your economy, they're going to rape every last one of you until they have it all for themselves. All levels of governance have gone insane chasing away revenue by making up more revenue.

They can't touch my intrinsic revenue because I've placed it out of their greedy reach. I managed my own retirement account. I rely upon no pension check. I can access all of it or what I need when I need it. Thats the advantage of owning your own corporation rather than working for a corporation. As Anthony Hopkins once said in Legends of the Fall, "Screw Em." Obviously they want less people hanging around.

And they can stick their medical quackery where the sun never shines. I'll never have it.

Anonymous said...

I thought about not voting because it doesn't matter. I have reconsidered. I will actively campaign for the worst candidate at each level. Let's help push it all off the cliff, so we can get to the actual rebuilding and fixing.

Brian said...

I agree. I have always preferred the quick death over the slow agonizing one.

Falcon said...

I agree 100 percent with everything said---But the Sheeple keep putting the tyrants( both sides of the asile) in office. My question is - what will it take to start reigning in these Morons.

Marcus said...

You're a good man, Brian, and I'm glad I stumbled across this site a couple years back. You've taught me a thing or two about human nature and about myself in the last couple of years (yes me, with enough concrete between the ears to build another Hoover Dam), so it will be interesting to see what comes next. And don't be shy (like you ever were) about tossing out the occasional salty rant from time to time if that's what suits you. I don't trust a man who doesn't swear.

How about The Life of Brian as a new name?