An Obama-Care Anecdote

It has only been a few months since Congress immorally, and illegally squeezed through the huge Health Care Reform bill. The effect is already showing. Yesterday, I took my beautiful wife to her cardiologist for a check-up. She is currently paranoid about losing her healthcare insurance because of an incident that occurred this month. She received a letter from a collection agency. She does not do too well with any threat to her credit score. The overdue bill was $24.55.

Her secondary insurance is from the State of Illinois, and you may be aware that the state is on the edge of bankruptcy. The result is they are slow at paying their obligations. Peggy is the victim of their stupidity. Our visit to the cardiologist was the result of stress she suffered from the collection notice.

The real point of this post is our conversation with the doctor. The doctors are waiting to see what, if anything, Medicare will pay under Obama Care. If their payment drops to the level of Medicaid, well, his practice does not accept Medicaid patients. The practice cannot afford to keep an office open on that level of payment

Here is my advice to all of you liberal, progressive, socialist, baby boomer, ass kissing Obama health care reform, new Medicare recipients; sit down, put your head between your legs, and kiss your ass goodbye. There is an excellent chance that you will see a death panel of big government clerks before you will see a doctor.

How in the hell could you be so stupid as to believe that a government that cannot handle the cost of one social program (Medicare), that it will be able to manage a gargantuan (twenty-two hundred page) loosely defined plan?

Here is my wish for you:

I wish you eternal happiness, as you slave endless hours all your life to get a free happy pill from your new health care system.

Argue With All the Facts

My Flag Flies Everyday

Dear Senator Durbin;

I tried to call your Washington office today but the call volume was too high and the system shut me out. Therefore, I write this e-mail.

I listened to your argument today during the Health Care Summit. I have to admit that you are very eloquent in your speaking ability. Your argument about the cost savings related to Tort Reform however, is flawed. I am sure the statistics you quoted on the amount of money awarded and the savings are correct. I do not refute you on that point. I do, however want to argue that you have left out the invisible cost of defensive medicine that the medical profession practices every day, in every office and every hospital in the country. Medical staffs are loaded with highly paid people whose sole function it is to document everything a doctor does, prescribes, and orders. Hospitals are loaded with staff sitting at terminals documenting everything that occurs with a patient. Why? They document in order to defend themselves against a possible lawsuit.  None of this documentation comes cheap.

I do not argue that a doctor who operates on me and removes my right arm instead of my left should be punished and the patient compensated. I do argue that I should not have to be tested four times a year when, statistically, once would be enough.  As for documentation needed for payment, why should I have to pay a premium for a failure on the part of government run Medicare and Medicaid’s inability to maintain a fraud free system?

It is my opinion that the hidden cost of Tort reform is a thousand times greater than the actual awards granted for real mistakes.   

Do not support the Health Care Reform Bill for the following reasons:

  1. The cost of one trillion dollars will bankrupt the country. The accounting trick you are proposing to collect money for six years and to offer services for four years is bogus. If a bank wanted to collect your mortgage payment for six years before it let you into the new house you just bought, you would be writing a law to prevent them from doing it. Why be a hypocrite on this matter to sell me the idea. It is morally wrong.  I expect better from you. Do not support this bill.
  2.      I am positive that the Supreme Court will find the requirement that I purchase insurance by law is unconstitutional.  Why do you insist on supporting legislation that is so obviously flawed? Do not support this bill
  3. Say no, to a government takeover of the Health Care system. Why do you support a system that will give mediocre care to everyone in the country after openly admitting that we currently have the best system in the world? I also wish I could believe what I heard about this bill, giving me the same plan as the one you and Congress enjoy. What a dolt you must think I am. In addition, I did not hear anything in the discussion today that explained why federal funding for abortion is a basic right. Are you kidding me? Abortion is murder. If I came into your office and shot you dead, I would be arrested prosecuted and sentenced.  Yet the bill insists that it is the basic right of a grammar school girl to have the federal government (me) pay for the murder of her unborn child. I would sooner pay for the prosecution of the abortionist. Do not support this bill.

 Respectfully yours,

 Grumpa Joe

What Do We Call a Thousand Trillions?

My Flag Flies Everyday

What comes after a trillion? A trillion is one followed by twelve zeros. A smart ass would say a trillion and one comes after a trillion. What I’m asking is what do we call “one” followed by fifteen zeros? Since we base all of our money numbers on ones followed by zeros, it follows that for every thousand of a  number we call it by a special name. For instance start with one followed by three zeros or a thousand, then a thousand thousands, etc. It’s easier to say one, one thousand, one million, one billion, one trillion, etc. What do we call a thousand trillions?

Maybe it is easier to see it this way:

1=one

1000=thousand

1,000,000=million

1,000,000,000=billion

1,000,000,000,000= trillion

Why do we care? Because the Federal Deficit is headed toward that number. It was just a few years ago that a deficit of 500 million was huge, then it progressed to four hundred billion in the GWB era, now it has leapt to twelve trillion almost overnight. Comparatively,  ninety percent of the population will never have a million dollars in their retirement account.

The number one followed by fifteen  zeros is called a quadrillion. I hope we never get to use that number in reference to our deficit. If we do, I’m sure a loaf of bread will cost a thousand dollars.

1,000,000,000,000,000=quadrillion

        12,000,000,000,000=current deficit

Try visiting the National Debt Clock to watch how fast the debt is climbing. Take particular notice of the Gross Domestic Product compared to the debt. They are the same. I see that as “our country is broke.”  I don’t mean that the country is broken, I mean that we are near bankruptcy.

Answer this. Where will we get the money to pay for the new health care reform bill being shoved up our ass?

The Power of “Why”

The number of health care bills being presented for our benevolence is overwhelming.  A bunch of radical liberal lawyers elected to represent us are hiring major lobby groups to write legislation. The writers must get paid by the page because the bills get longer and longer. I can only imagine that the cost to us will escalate with each page.

Intelligent Design

It is obvious to me that there isn’t a single problem solver in the entire administration. They haven’t got a clue as to how to approach the solution to health care reform. I was faced with cost cutting situations many times on my job. We never approached the problem by inventing a new one. The first step is to define the problem. The next step is to analyze where your money is going. The next step is to find the root cause. Then, and only then, could we design improvements or alternatives.

None of this is easy. It takes a lot of diligent effort and focus to stay on track. So far, I have heard only two things that define the health care problem: 1. The cost is too high. 2. End of life costs account for too much of the budget.

I also hear many remarks telling me that the bills will cut waste and fraud to pay for the improvements. Have you ever heard of a single page in any of the bills that is dedicated to finding and cutting waste? If you find one, let me know the number of the bill and the page, I want to read it. 

Put me in charge of this problem and I will come up with true reform, not reinvention to dump the old and begin with a new mire of costs. First, I would form a team of the best Black Belt Engineers that I know. We would insist on accurate definition of the problem. Second, we would conduct a Pareto analysis of the money being spent on the entire healthcare system. This would include the costs spent by insurance companies as well as providers. Don’t get me wrong, this is not simple. Getting those numbers would be a monumental charge. They are necessary however, in order to effect true reform. Currently, all we have is the total cost. In order to know how to reform, we need a breakdown of cost by functions. What are the functions: Administration, hospital, medical staff, supplies, records, legal, insurance, drugs, etc. Not having the cost categories in front of me limits how many categories I can assign charges to. All of these costs would then be totaled and charted;  the highest cost to the lowest cost.  My guess is that there would be one category that would tower over all the others.  Once I had that chart in front of me, the work of analyzing “why” begins. The greatest opportunity lies in the single largest cost function. Another method  we use to analyze costs is the 80/20 rule; eighty percent of the good comes from twenty percent of the activity. My black belt team would then begin asking “why” we incur the costs.  

The power of “why” resides in repeated questioning. Ask why. Get an answer;  ask why that is the answer.  Get another answer, ask why again, etc. eventually, the answers are harder to get. Eventually, the root cause of a problem becomes more evident.  Once the root cause is defined a solution is easier to effect. Sometimes the root cause is never found, and then change is chancy. It is my opinion that most of the time, the root cause would be some government intervention in the form of a law written by some representative to cover some obscure problem one of his constituents had. Politicians are famous for introducing legislation that insures a problem will never occur again. Years later, we learn the consequences of the law as applied to the general population.

Recently, I had a personal experience with an end of life situation. In an earlier post, I wrote about my beloved Aunt Marie passing. The bill she incurred while dying was horrific. I can see how the administration is touting end of life as a high cost element of reform. Here is what I saw. Marie is ninety-four. She has a multitude of physical problems that have made her last few months really miserable. She covered herself with a living will, and specific end of life instructions.  While helping her go to bed one evening, the attendant at her nursing home notice she was bleeding from her colostomy.  A hundred years ago, she would have simply bled to death at home. In a nursing home, the staff cries uncle and calls 911; why?  They are not equiped to handle a situation such as Marie’s. Why? She had prepared them with current instructions on the kind of treatment she wanted to keep her alive, yet they couldn’t grant her that request. They had to pass the ball to an emergency room. 

The ER finds her bleeding and begins treatment  by giving her blood. The hospital asks the family if  she has a living will? The document printed on bright orange paper stands out in the chart sent along with her records from the nursing home. Does anyone read these things, do they care?  By this time, she was admitted and being given blood to extend her life. $$$$$.

I consults with my daughter and  several doctors.  We learn that any further procedure to learn the cause of her bleeding presents an extraordinary means, and a violation of her body for very little else but more pain and suffering.   Since I am her DPOA (durable power of attorney), I request she go into hospice. She was sent back to her home to die. She expired within five days. It is my belief that giving her blood only extended her life for a week. The cost was covered by Medicare and supplemental insurance. It is high, but not as high as it would have been had common sense not prevailed.

True health care reform is improving the system in place, not re-inventing the round wheel to  make it square. My approach to reform is a logical one. The approach , however, does not yield control of our lives  to the government. It rather, keeps our liberty and makes us responsible to fix the problem ourselves. We can do it.

I have my team already picked. I know with the people I have in mind, we could make true reform happen within three years. It would be a logical, lasting reform of the health care system which would be the model for the rest of the world. We would use good old Yankee ingenuity and diligence to solve the problem, not legislation. Why not give me the chance to “get-r-done?”

Let’s Have Some Competition

One of the arguments, I have heard about why we need big government run health care reform is that the evil insurance companies need some competition. Why is it that the insurance companies are restricted to practice in a specific state? Wouldn’t it make sense that the private sector would compete vigorously if they were allowed to?

My guess is that there have been problems with insurance claims in each state. Our law makers, in their infinite wisdom, and their drive to get re-elected, proposed new rules to protect us from those evil insurers. The result, fifty states with fifty different sets of rules about  how to run an insurance company. There went the competition between states.

If  uncle is really serious about health care reform, he would set up some simple standards for heath care insurance, similar to those used by Medicare supplements.  Why is it necessary to set up a totally unfair government run insurance company to compete against the private sector, when a simple set of standards would be enough?

Let's Play By My Rules