Posted by
Resa on Monday, February 12, 2007 10:20:14 AM
I recently had a medical
diagnostic test done on an outpatient basis.
When I received the bill, I found that the hospital initially had billed
$750 for the procedure, my insurance company had negotiated a deal with the
hospital that reduced the bill to $300, and then it paid $30, leaving me $270 to
pay out of my pocket. I pay $1,000 a
month for this kind of coverage? What a
crazy system! Why is it such a mess?
While our health care system
is very complicated, it really is not that difficult to understand why it is so
messed up. Most people understand that
free market competition brings us the best quality of goods and services at the
lowest prices, and yet we have done almost everything in our power to destroy
the free market in health care. No
wonder it isn’t working!
For example:
*We severely limit the number of doctors who can be trained
and admitted to practice, thus greatly reducing the opportunities for
competition among doctors.
*We create many roadblocks to restrict the construction of
new hospitals and clinics, thus greatly reducing the opportunities for
competition in that arena.
*FDA regulations make it extremely expensive and slow to
introduce new medicines and medical devices, again reducing competition.
*Medicare and Medicaid have socialized more than half of
the industry, putting those services under direct government control and out of
the free market.
*Our tax laws, which give tax deductions to businesses but
not to individuals who buy health insurance, put control of our health care in
the hands of our employers rather than in our own hands, maximizing the
doctor/insurance company relationship at the expense of the doctor/patient
relationship and eliminating the incentive for consumers to control costs.
*Doctors and hospitals have effectively become enslaved, as
they are required by law to provide services at no charge to those who cannot
afford to pay for them.
*Numerous laws have been passed regulating health care
insurance, so we are forced to insure a wide range of conditions if we want to
have any insurance at all, thus making health care insurance extremely
expensive and out of reach for many people.
Many people are now
suggesting that the way to improve the system is to go to a “single payer”
system, which means going the rest of the way toward putting our health care
under complete government control. They
say that the free market has not worked for health care, so socialized medicine
is necessary. But the current system,
which we all agree is a mess, is nothing like a free market system; it is,
instead, already very close to being completely socialized. If you don’t like the totally screwed up, mostly
socialized medicine system we have now, just wait until we go the rest of the
way!
The free market brings us the
best in computers, restaurant services, transportation, and a wide range of
other goods and services, so why do we do everything we can to destroy it in
the most important aspects of our lives, such as health care? (Just imagine government-controlled and
operated restaurants and grocery stores, and you begin to understand why our
health care is such a mess!)
When there is a free market,
consumers are in control, and providers have to strive to meet the needs and
demands of consumers in order to stay in business; however, when the government
is in control, as it largely is now in health care, all kinds of sweetheart
deals can be made between the government and the politically powerful at our
expense.
A Few of the Deals for the Government’s
Sweethearts:
*Texas recently required all middle school
girls to receive a new series of shots to prevent cervical cancer, at a cost of
about $400 per girl. Since this is not a
disease that can be caught through casual contact, one might wonder why
governments would even consider forcing these vaccines on young girls, but that
would only be if one forgot about all the benefits the lobbyists for Merck can
spread around for their pals.
*Several years ago, Kentucky passed a law
requiring all health insurance policies to cover a huge number of conditions,
which drove a large number of insurance companies out of the state, to the
benefit of the few sweethearts such as Humana and Anthem who remained, and to
the detriment of consumers.
*Now, many old-line
manufacturing companies like Ford, which have large liabilities for health insurance,
are trying to unload those responsibilities -- shifting them to the taxpayers
by making the government responsible instead.
Valentine’s day is near, but
I’d prefer to choose my own sweetheart, not have my elected officials decide
whom I have to kiss on the lips (or elsewhere), thanks very much!
Unfortunately, most voters do
not understand what is happening. They
are unhappy with the current system, are afraid of the escalating health care
costs, and mistakenly believe that they can escape the problem by putting it in
the hands of the government. But that is
the worst thing they could do!
There is no escaping the
problem. There is no free lunch, and
there is no free health care. While
costs can be hidden, there is no way to avoid them. In the end, doctors and nurses must be paid
for their services. Somebody has to pay
for hospital buildings, electric bills, sheets, syringes, and expensive
diagnostic equipment. Research and
development of new drugs and medical devices are expensive. We know we are always the ones who end up
having to pay the piper. The only
question is who will be in control.
If we want to improve the
situation, we must put consumers in control of their own health care dollars. This would dramatically improve the quality and
cost of our health care, making the system more efficient and effective for all
consumers – rich and poor alike.