Obama Targets Health Insurance Providers

Armen Hareyan's picture
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The president of the United States Barack Obama, in his Town Hall Meeting in New Hampshire critiqued the U.S. health insurance providers in an attempt to counteract the strong conservative opposition that has mounted against the health care reform. The American individuals and families often "fall hostage" to health insurance companies that deny coverage or charge them fees they are unable to pay.

Health insurance companies that are "sick for profit" perhaps deserve to be targeted by the president. As Yael T. Abouhalkah writes from Kansas insurance providers laugh seeing the president's troubles with the reform efforts. They laugh because to this date the health insurance providers have won the battle of keeping the status quo of the current health care coverage. "Aetna, Cigna, UnitedHealth Group and others are practically laughing at the spectacle of what's happening with President Barack Obama's plan. Turn on the TV, and there are wild-eyed -- and often misinformed -- critics engaging in loutish behavior at town halls," writes Abouhalkah in today's Midwest Voices.

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Obama said that he think it's wrong that the high cost of health care coverage is leading many families and individuals to bankruptcy in USA. This is why, he said, "we will adopt the health care reform in 2009." As Obama was addressing the Town Hall meeting, protesters and supporters were gathered voicing their concerns. Supporters were shouting "yes we can" and that the "insurance companies are the enemy of change," while the protesters would show signs reading "Get me the hands of health system."

Major opposition to Obama's proposed health insurance coverage reform comes from the Republicans and from the misinformed analysts who health something and start commenting on it without knowing the facts. The main argument of the Republians is that the reform is too expensive. The part with Democrats on how to fund the reform. A good examples of the misinformed are the recent debates about the government health insurance card and Section 1233.

I expect those who oppose the health care reform will keep taking and rising new questions from the HR 3200 for public debate. This will give them time until the 2010 November elections. The situation can explain why the president Obama is in a hurry to get the health insurance reform passed by the end of 2010. When the election campaigns begin next year, the issue of health care reform will become even more political and will be almost impossible to pass.

Written by Armen Hareyan

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Misinformation & Correction : 1. Rationing & A long Line : With the help of upcoming IT system, the concern of a long waiting list probably doesn't matter. And now that docs are liable for patient's outcome, no intervention in the final decision is allowed other than 'recommendations' for best practices. In the government-run, single-payer Medicare program, enrollees choose their own doctors, receive care in a timely manner. Similarly, the publc option can be viewed as extention of medicare, exactly speaking, an upgraded version of it. 2. Saving & low Quality : Most part of savings is made up of weeding out such wastes as so called "doughnut hole" , the unnecessary subsidies for insurers, the duplicate tests and unproven sham level of treatments, abuse, exorbitant costs by the tragic ER visits and so forth. As president Obama noted, the analogy of insulation, weatherization would be appropriate. With that in mind nearly two-thirds of the cost of reform will come from reallocating money, overall, the financial architecture is looking good. And let me stress : 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 available earlier in the process, let alone skimming the wasteful, unnecessary, and risk-carrying procedures. 3. Take-over ; The runaway premium similar to the peak fuel price last year and left so many folks in despair insists on staying the course with the attitude 'unchanged', clearly this trend could bankrupt individual, business, and government. Now the government subsequently is tasked with these two main assignments, first, to address premium inflation, second, to expand coverage to all in urgent need. In order to cover all and not to add to the deficit, the public option can not set the same rates of private market, rather, it needs to have BALANCING function to keep it in check in terms of INFLATION, too. Unfortunately, this 'unavoidable' direction is aggressively being accused by the runaway premium, citing government 'take-over' . Under the circumstances the energy bill to determine human future and the other major issues are presently piled up, who wants to waste time making enemies ?, which also does not benefit the forthcoming election. with the heartbreaking tears in mind (Nearly 11 Million Cancer Patients Without Health Insurance), private market also needs changes and should join together to complete this reform , as promised, otherwise, the runaway premium only has itself to blame while new firms are filling the void with competitive deals. And It can be said that fair competition starts with a fair, sustainable market value. However, Job-based coverage (indirect payment) and a limitation code over transfer, mandate code, and ample capital, reduced ER costs, IT base to streamline the administrative processes and trim costs might be favorable to the private market. Over time, supposedly, the public plan will concentrate more on basic, primary cares, and the private insurers will provide their clients with differentiated services. 4. Tax rise : In the context the current health care wastes an estimated one-third – or about $700 billion – on unnecessary procedures, unnecessary visits to the doctor, overpriced pharmaceuticals, bloated insurance companies, and the most inefficient paper billing systems imaginable, health care reformers have often cited the system at Mayo Clinic as a model. In modernized society, the business lacking IT system is unthinkable just like pre-electricity period, nevertheless, the last thing to expect is happening now in the sector requiring the most accuracy in respect to dealing with human lives. Apparently the errors by no e-medical records have spawned the crushing lawsuits, and these costs have led to the unnecessary tests, treatments, even further, more profits so far. Thankfully, the pay for 'outcome' pack modeled after the system at Mayo Clinic is most likely to expedite the introduction of IT system, and the combined system is capable of shifting volume into quality in Medicare & Medicaid, thereby offsetting the 239 billions of estimated deficit, which is generated by $245 billions, the 10-year cost of adjusting Medicare reimbursement rates so physicians don’t face big annual pay cuts. Supporters of the agreement say it could save the Medicare System more than $100 billion a year and 'improve' care, supposedly even a quater of it might be enough to meet the goal of revenue-neutral. Moreover, in case this innovative idea applies to the public option, presumably it can lower the overall expense sharply, too. And in respect to preventative program, surprisingly enough, the system today is designed around treating patients once they become sick, following 'spillover' and 'levee breach' , as too high level of preventable chronic disease accounts for it. By contrast, all of the excellent health systems seem to have one feature in common, an expansive, systematic preventative program demanding immense investments. Some say the effect of preventative program is below zero compared with investments, or takes a long time even beyond next decade window, but if this program in the exemplary systems is disorganized, the odds are high that they will also face the same pressing need for reform in a few years. Like common sense, fire needs to prevent in advance or foil in early phase, and it would be the most cost-saving measure, in my mind. Just like marriage, economy also undergoes up and down, however, economic downturn is not reflected in the employment-based system. The rising mental stress & 'keep eating habit' , which are the epicenter of a number of different diseases, might be traced to this insecure system and exorbitant premiums. Once the health care reform provides the general public with peace of mind, the rising mental stress, obesity caused by the the deep-seated apprehension and exorbitant premiums may bend the curve surprisingly. And reducing the tragic ER visits can lessen costs for the already insured. I guess If the cost of the reform is an issue Americans take seriously, then all of the 'free' nations in the world should withdraw the existing public policy. Instead, it might be the 'will' of reform. Here is the hope, while the runaway premium wound up in the collapse of middle class ranging ' from finance to mental health' , alongside the peak fuel price and fast-growing mortgage rate, this time, clearly, the positive impacts involving massive job creation, promising stem cell research, several times more economic effects of 'from bed to work' , in return, will lead to economic recovery. Thank You For Reading !