How Health Insurance Reform Will Benefit All Americans

Armen Hareyan's picture
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HHS Secretary Kathleen Sebelius today released Stable and Secure Health Care for America, a series of new state-by-state reports outlining how health insurance reform will improve health care for all Americans. Sebelius announced the availability of the new reports as part of a Webcast - "Health Insurance Reform: What's In It For You?" There Sebelius and top HHS officials took questions from the American people and discussed the importance of health insurance reform. The new reports are available at www.HealthReform.gov.

"These reports show how health insurance reform will help Americans save money, get better care, strengthen their insurance if they already have it, and afford insurance if they don't," said Sebelius. "Every American will benefit when we pass health insurance reform."

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The reports released today show that health insurance reform will lower health care costs and increase health care choices by protecting what works and fixing what's broken. It will also assure quality, affordable care for all Americans.

Today's reports are the second in a series of state-by-state reports on health care across the country. Earlier this summer, Sebelius released The Health Care Status Quo in Your State, a series of state by state reports on the current state of health care in America. The reports are available at http://www.healthreform.gov/healthcarestatus.html.

By HHS Press Office

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Part 1. Problems : 1. No systematic, expansive Prevention & Wellness Program. According to the scoring of CBO on the prevention & wellness program, all fitness centers around the world should close down immediately and all media have to end reporting health tips about prevention. Rather, all of the excellent health systems seem to have one feature in common, a expansive, systematic preventative program requiring immense investments. I think a prevention system works as a 'levee' built against flood by the government, similarly, it also needs non-profit investments from the government 'on a large scale'. This might offer us one clue of why all of the free states have public insurance policy in place. Surprisingly enough, the system today is designed around treating patients once they become sick. As far as I'm concerned, the congress affected by the special interests has turned down the budget request for prevention program in Medicare & Medicaid, which are the most expensive parts of the health program. Let's imagine the astronomical costs and invaluable lives following the levee breach. 2. A pay for each service / volume compensation, & No E-Medical Record. As much as 30 percent of all health-care spending in the U.S. -some $700 billion a year- may be wasted on tests and treatments that do not improve the health of the recipients, and this 700 billion dollars a year can cover a lot of uninsured people, in return, it could lessen the tragic, prohibitive ER cares. Medical errors ( No e-Medical Record ) & lawsuits, more profits motive, and indirect payments from employers etc would account for it. Supposedly, 'a pay for each service / volume' compensation seems to leave the medical institutes unequipped with the essential IT system. To understand its importance, If we imagine the cost difference between the previous and current system in financial institutes, the magnitude of cost-savings and the mess in health care system can be easily explained. 3. Premium Inflation. This last spring, due to the demand decrease, the peak fuel price came down below $40 per barrel, though, the 'Similar' insurance premiums keep on rising, accordingly the inaction could bankrupt family, business, and government 'BEYOND this recession' , as all across the spectrum agree. Basically, as demand diminish, the price tends to reflect it, nonetheless, the insurers that formed a cartel through consolidation have replenished the loss by exercising inhumane malpractices involving denying, capping, rapid premium increase and the like. And this runaway premium ended up in the collapse of middle class ranging ' from finance to mental health' , alongside the peak fuel price and fast-growing mortgage rate, as all of us know. Thereby they could be cited as an objective for anti-trust or anti-corruption. If the public plan sets the same rate of the insurers, it will be another headache. Ironically, the Deficit-sensitive groups have a distinctive common ground, they all have a Deficit-driven background out of question. Therefore, I'd say they have nothing to say about deficit unless they are free from the sponsors. And the spoiled menu, 'Takeover and Rationing Cliche' is still marching for bankruptcy, as opposed to its motto. 4. 'Work or Break' health system with no brake or safety system. Just like marriage, economy also undergoes up and down, however, economic downturn is not reflected in the employment-based system. The rising mental stress or illness & 'keep eating habit' , which are the epicenter of a number of different diseases,might be traced to this insecure system and exorbitant premiums. Part 2. The Public Plan: 1. Thankfully, the health care reform bill currently before Congress makes several key investments including more primary care doctors in preventive care, and those pieces of the public plan must be maintained . 2. The pay for 'Outcome' pack is most likely to expedite the introduction of Health Care IT SYSTEM, and it will help doctors focus on their patients. 3. The 'innovative' idea of a 'pay for value / outcome' pack will allow for Quality and affordability . If you are a physician, and your pay is dependant upon your patient's outcome, you will most likely strive to prescribe the best medicine earlier in the process, let alone skipping the wasteful, unnecessary risk-carrying procedures. Young folks and advocates need to explain the notion of a pay for outcome agreement to the elderly misled by the disinformation. 4. The synergy effect of the combined Health Care IT & a pay for 'outcome' system may allow the clinicians to 'correctly' diagnose and effectively treat a patient earlier in the process so that it can measurably decrease the crushing lawsuits and deter the excuse for unnecessary cares to make fortunes. 5. The creative idea of 'a pay for outcome' will more likely prompt team approach and decision, as at Myo clinic. Under the 'pay for outcome' pack, for good reason, best practices as 'recommendations' would simply help them make a better decision, and the government won't still have to meddle in the final, actual decision-making process as a non-expert. 6. This New 'Payment Reform' could accelerate the progress in medical science, in return, it will save more cash. And this idea will be able to bring 'competition' to the private market, as a result, it can contribute to mitigating premium inflation. 7. Supporters of the agreement say it could save the Medicare System more than $100 billion a year and 'improve' care, that means more than $1trillian over next decade, and virtually needs no other resources including tax on the wealthiest. Supposedly even the 'conservative' number of such savings might be able to meet the objective of revenue-neutral. (Please visit http://www.kare11.com/news/news_article.aspx?storyid=820455&catid=391 for detailed infos). 8. Through clinic's network, users of its health-care services can keep up with their health information and information for family members, and receive health guidance and recommendations from clinic that is optimized for each person. The system also allows patients to upload information from home-health devices such as blood glucose monitors and digital scales. Patients can authorize whether they want to share their health information with doctors or other caregivers, and those caregivers can provide health-care and general wellness recommendations based on the information patients provide. 9. In case the health care reform provides the general public with peace of mind, the rising mental stress, obesity caused by the insecure system and exorbitant premiums may bend the curve surprisingly. 10. Clearly, the positive impacts involving massive job creation, promising stem cell research, several times more economic effects of 'from bed to work' lie ahead, these will lead to economic recovery. Part 3. Conclusion ; 1. The last thing to expect is rallying for premium inflation 2. Over time, supposedly, the public plan will concentrate more on basic, primary cares, and the private insurers will provide their clients with differentiated services. 3. With the Prevention & Wellness Program as a stable levee in place, the promising pay for value/ outcome reimbursement reform based on IT system could clear the way for revenue-neutral. Some say the installation of IT network will take time, but once this new outcome-based payment system is implemented, the hospitals reluctant to adopt it will most likely rush to introduce it. 4. The final hurdle looks like a scoring issue surrounding the savings on Prevention & Wellness Program, but I'd like to say health clubs and media reports on prevention tips must be maintained. Thank You !