From Those Who Foresaw the Crash

More Healthcare, Except Funny

I hope Margaret and Helen are for real; but it's worth it even if they aren't:

[I]s it just me or did combing your hair become optional when going out in public? I’ve been watching news clips of these town hall free-for-alls and we have definitely become a nation of tired, poor, and huddled masses clearly tempest-tossed, but without access to a good beauty salon. Universal Hygiene – now that is something I could get behind. And all of them are asking for their America back. I wonder which America that would be?

Would that be the America where the Supreme Court picks your president instead of counting all the votes? Would that be the America where rights to privacy are ignored? Would that be the America where the Vice President shoots his best friend in the face? Or would that be the America where an idiot from Alaska and a college drop-out with a radio show could become the torchbearers for the now illiterate Republican party?

* * * * *

And what’s all this crap about killing your grandmother? Are you people honestly that stupid? This has become less an argument about healthcare reform and more a statement about our failed education system. Margaret, I don’t know what plans you’ve made up there with Howard, but down here with Harold, we have living wills to determine how we will leave this world when the time comes. Mine states that unless the feeding tube is large enough for a piece of pie, I don’t want to be hooked up to it.

It just gets better.

Healthcare Reform, & the Best Thing About My Bunion Surgery

Since you asked . . .

Dear Representative __________:

We NEED a meaningful public option.

Last year I had surgery on my foot. I had to stay completely off it for a solid month, and my doctor prescribed a knee-walker to help me get around. The manufacturer my doc recommended said they could ship one for under $500 and get it to me in 3 days.

My insurer (one of the biggest in the business) said they'd cover it, but only if I got it through an "in-network provider."

Now, you might think the point of dealing with "in-network providers" would be that the insurer could negotiate cheaper prices; but apparently, no. They gave me a list of over a dozen in-network providers, and I called them all. It turned out only one could provide the item – and it would take at least two weeks, partly because special authorization was required from the insurer, because this in-network provider's price to procure the item was over $1,000.

I called the appeals people at the insurer and I told them hey, we can get it quicker from the manufacturer and you'll save $500. The insurer could not have been less interested. They'd pay the $1,000, and I'd have to wait two weeks. When the knee-walker finally arrived, it was an inferior model from a different manufacturer.

I have to at least ask whether the insurer and its in-network provider weren't splitting the mark-up at my employer's and ultimately all of our expense – i.e., they require me to accept an inferior product at twice the cost, then the insurer recovers the cost through premiums, plus collects a kick-back from the "preferred provider." (Not to mention the delay and other detriment to my well-being).

The VA is running a great single-payer system, and Medicare is running a great public option. I would gladly trade my private insurance for either. (I'd rather have a bureaucrat between me and my doctor than someone who views my illness as a looting opportunity.)

Meanwhile, I'm afraid to speak frankly with my doctor for fear something I say might be used as an excuse to deny coverage.

Our healthcare money isn't lengthening our lives (we in the U.S. pay twice as much for healthcare than people in some 26 other nations, yet our life expectancies are much shorter; see chart here from ucsc.edu).

So, where is the money going?

Private insurers in the U.S. have had decades to show they can provide decent healthcare coverage, and have failed. Surprise! – they won't do it unless they HAVE to.

Theoretically, yeah, government could regulate private insurers into decent coverage. But as any "free marketeer" should concede, that would be the LEAST efficient way to do it! We'd have to actually regulate, we'd have to staff up enforcement, etc.

Clearly, the MOST efficient way is to give private insurers some COMPETITION!

PS: Congressional Dems REALLY need to focus on media reform. So long as conservatives control 98% of the "mainstream" media, you'll be dogged by misrepresentations and hysterics at every turn.

Below right is the chart referred to above (showing that we in the U.S. spend ca. twice what 26 other countries spend for healthcare, for much shorter life expectancies).

You can contact your reps through the "Contact your U.S. Congressional reps" link in the sidebar at left.

PS: The best thing about my bunion surgery was, I learned I could freeze my sig. other's entrées for a month or more in advance. Otherwise, not so rec'd.

UPDATE: My rep., blessed be, is so far standing up for the public option. So I sent her/him this:

I fervently hope you will continue to stand firm in favor of a public option!

Private insurers in the U.S. have had decades to show they can provide decent healthcare coverage, and have demonstrated they won't do it unless FORCED to.

Government could, theoretically, regulate private insurers into providing decent coverage; but as any true "free marketeer" should concede, that would be the LEAST efficient way to do it! We'd have to actually regulate, we'd have to staff up enforcement, etc.

The MOST efficient way is to give private insurers some COMPETITION! If the free market is so dam' efficient, they've got nothing to fear.

Pls, pls, pls, we need you to continue to care for us. We do notice; we vote for you bec. you do. Thank you.

Contour 2009: Historiographic Art in Architecturally Historic Locations

"Vincent Meessen’s new film ‘Vita Nova’ takes as its point of departure a cover of the French magazine Paris-Match, from 1955. . . . The artist subsequently embarks on a search for Diouf, the child soldier, weaving an elaborate narrative that brings together phantoms from the colonial past, the writings of Roland Barthes – who wrote about this particular image – and issues that centre on the representation and re-writing of history, its repressed narratives, as well as the spectral nature of photography."

The video is being shown as part of Contour 2009, the 4th Biennial of the Moving Image in Mechelen, Belgium, which "presents artists working with film, video and installation in special locations in the historical inner city . . . ."

The show, called "Hidden in Remembrance is the Silent Memory of Our Future," is curated by Katerina Gregos and includes commissioned works by 18 artists; the website's extremely helpful.

Trolls for Hire

(Click on the image for a larger version.) More here.

Bubblenomics, Peak Credit, and the Planned Demolition of the U.S. Economy

At counterpunch.

Hoffa

Unions, co-ops, etc.: they got made; most got broken (by bigger bros).

Saw Hoffa last nite; woke at 4am re-piecing it.

One of Mamet's lines worth quoting, re- the unionized: They'd rather some people die for your mistake, than that they lived, but that they lacked a leader.

Another interesting aspect: at least per this version, blue-collars had to be seriously bullied into helping themselves.

Their choices boiled down to, one feudal lord to whom you are mere fodder vs. another who kinda cares but who could be shafted at any moment by nexts-in-command who either don't care or aren't as competent. I pick (b).

('Spose Nicholson has insurance on his left eyebrow?)

Health Insurance Reform, per an Industry Insider

Wendall Potter worked at health insurer Cigna for 15 years and left his position there as head of "the ultimate PR job" on good terms with the company. What triggered his resignation?

During a visit to relatives in Virginia, he was intrigued by a notice of a "health care expedition." The quotes below from the transcript of the July 10, 2009 installment of Bill Moyers Journal describe what Potter saw, and just some of the reasons why we MUST have a public option (much more, all worthwhile, in both video and transcript form, at the foregoing link):

POTTER: I didn't know what to expect. I just assumed that it would be, you know, like a health – booths set up and people just getting their blood pressure checked and things like that.

But what I saw were doctors who were set up to provide care in animal stalls. Or they'd erected tents, to care for people. I mean, there was no privacy. In some cases – and I've got some pictures of people being treated on gurneys, on rain-soaked pavement.

And I saw people lined up, standing in line or sitting in these long, long lines, waiting to get care. People drove from South Carolina and Georgia and Kentucky, Tennessee – all over the region, because they knew that this was being done. A lot of them heard about it from word of mouth.

* * * * *
POTTER: I thought that [Michael Moore] hit the nail on the head with his movie [Sicko]. But the industry, from the moment that the industry learned that Michael Moore was taking on the health care industry, it was really concerned.

MOYERS: What were they afraid of?

POTTER: They were afraid that people would believe Michael Moore.

MOYERS: We obtained a copy of the game plan that was adopted by the industry's trade association, AHIP. And it spells out the industry strategies in gold letters. It says, "Highlight horror stories of government-run systems." What was that about? [Note: You can download the documents by clicking here and here.]

POTTER: The industry has always tried to make Americans think that government-run systems are the worst thing that could possibly happen to them, that if you even consider that, you're heading down on the slippery slope towards socialism. So they have used scare tactics for years and years and years, to keep that from happening. If there were a broader program like our Medicare program, it could potentially reduce the profits of these big companies. So that is their biggest concern.

* * * * *
MOYERS: This is fascinating. You know, "Build awareness among centrist Democratic policy organizations – "

POTTER: Right.

MOYERS: " – including the Democratic Leadership Council."

POTTER: Absolutely.

MOYERS: Then it says, "Message to Democratic insiders. Embracing Moore is one-way ticket back to minority party status."

* * * * *
POTTER: Well, there's a measure of profitability that investors look to, and it's called a medical loss ratio. And it's unique to the health insurance industry. And by medical loss ratio, I mean that it's a measure that tells investors or anyone else how much of a premium dollar is used by the insurance company to actually pay medical claims. And that has been shrinking, over the years, since the industry's been dominated by, or become dominated by for-profit insurance companies. Back in the early '90s, or back during the time that the Clinton plan was being debated, 95 cents out of every dollar was sent, you know, on average was used by the insurance companies to pay claims. Last year, it was down to just slightly above 80 percent.

So, investors want that to keep shrinking. And if they see that an insurance company has not done what they think meets their expectations with the medical loss ratio, they'll punish them. Investors will start leaving in droves.

I've seen a company stock price fall 20 percent in a single day, when it did not meet Wall Street's expectations with this medical loss ratio.

For example, if one company's medical loss ratio was 77.9 percent, for example, in one quarter, and the next quarter, it was 78.2 percent. It seems like a small movement. But investors will think that's ridiculous.

* * * * *
POTTER: . . . [T]he people who are enrolled in our Medicare plan like it better. The satisfaction ratings are higher in our Medicare program, a government-run program, than in private insurance. But they don't want you to remember that or to know that, and they want to scare you into thinking that through the anecdotes they tell you, that any government-run system, particularly those in Canada, and UK, and France that the people are very unhappy.