From
Neal Boortz:
Hillary can smell the Oval Office. With the Democrat control of the congress, and a president who seems well-suited to the role of a lame duck, Hillary is feeling her oats. She thinks the Democrat nomination is hers ... and its off to the races.
Yesterday The Liar made an interesting statement to reporters in Washington yesterday. She said that "health care is coming back" and "it may be a bad dream for some."
Now just what does she mean by that? Bad dream? What kind of bad dream?
Does Hillary mean that after our government takes control of the delivery of medical services in this country that Americans will have to wait for months, even years, for elective surgery as people do in Canada and other countries with socialized medicine? Well .. .if that's the case, Hillary is right. That would be a bad dream.
Maybe Hillary is talking about what awaits any American who tries to use his or her own money to hire a doctor outside of the government medical scheme. Well, under the Hillarycare proposal she concocted in 1993, if a private individual used private funds to hire a doctor to perform a medical service outside of Hillarycare, then both the doctor and the patient could be arrested and jailed. Being jailed because you dared to hire your own doctor? Again, Hillary is right. That indeed would be a bad dream; not just for some, but for many.
There are many free market reforms that could be made to our health care system that would increase competition, expand availability and decrease costs ... but the problem is that they are free market reforms. Returning free market economics to our system of medical care doesn't enhance the power of politicians, and thus it is a non-starter. The political goal here is to make people dependent on the Imperial Federal Government for their medical care. Once that is accomplished you can almost write the Democrat campaign commercials for them. "Vote for Joe Republican and you're going to have to pay for your own medical care."
I've been saying that socialized medicine in the United States is inevitable. There are two basic reasons: One, politicians want the power. Two, individual Americans don't want the responsibility. The great American love of freedom is now pretty much limited to freedoms not coupled to responsibility. Americans have been taught by the political class to believe that a person's health care is the primary responsibility of either the government or that person's employer.
I read Boortz regularly because he is blunt and tacless, means what he says and says what he means but I was just thinking the other day that there is one thing about him that irks me: he's a snob like most libertarians and ideological purists; he has a very negative view of ordinary Americans. However he may be right about this issue.
One thing is for sure: Hillary is dead wrong about it. I was in the health-care biz for nearly 30 years and watched it grow into the the ugly monster it has become. The problem of exploding costs is caused by socalled "health insurance." What we have right now is NOT "health insurance." It's a mutual benefit scheme whereby healthy people pay for unhealthy people. In fact people commonly call it "health benefits." We need to return to the concept of real "insurance."
Insurance, like home insurance and car insurance, is there in case something catastrophic happens; something that would bankrupt you if you did not have insurance. It is meant to cover
unusual circumstances. You don't send claims to the insurance company if your house's plumbing goes wrong or you need a new battery for your car. That's covered by your maintenance budget. You don't even make claims for minor accidents such as dings in your fender or windows broken by neighbor kids' baseballs because you know that the cost of fixing them on your own will be cheaper than increased premiums.
"Health insurance" as we know it now is like making claims for fender-benders and broken windows. That's why the premiums just keep going up and up. Real "health insurance" would cover catastrophies only - if you needed major surgery or had succumbed to a disabling illness; the equivalent of "totalling" your car or losing your home in a fire. The rest of the time, we should be paying as we go.
You certainly don't make a claim on your car insurance every time you have an oil-change but that is how people use "health insurance." Routine doctor's visits, or maintenance, should not be covered by insurance. If it were only used for catastrophic illnesses and not maintenance and the health equivalents of fender-benders, premiums would be much lower.
The real problem with "health insurance" is that most of it is supplied by employers. It seems as if we are not paying for it but of course we are. The employer passes along the costs to you in the form of lower wages and increased prices for products but, because, it appears to be free, people abuse it. People need to pay for their insurance personally. That way we would be more concerned about waste and inefficiency.
And there's plenty of waste and inefficiency in the health biz. Because it is paid by a third party, no one is watching the purse. Every hospital I have ever worked in is over-staffed. Every hospital I have ever worked in operates in a way that would not be tolerated in any other industry. There is rampant waste. Why? Because the "health insurance" scam is totally inefficient. Hospital costs go up so they simply put up the premiums.
Everyone knows about the ten dollar Tylenols on hospital bills. That applies to every single thing on your hospital bill. I know because I saw how much stuff costs and how much hospitals charge for it. Most businesses charge approximately 50% more for their product or service than what they paid for it. Hospitals charge at least 1000% more and often a much higher "mark-up." Why? Because no one is watching the purse.
Socalled "health insurance" IS the problem. And "health insurance" run by the government would be even more inefficient and wasteful as anything run by the government is. We need to get rid of "health insurance" or "health benefits" as they are commonly and more accurately known.
I won't go into boring detail about how this would control costs except for one example. If you're as old as me, then you remember when you paid for your own doctor's visits. Well, if you're as old as me, then you remember when doctors made house-calls. You paid him out of your own pocket. It was expensive and you only called the doctor if someone in your family was really sick.
Nowadays we go to the doctor's office and he charges $200 for a ten minute visit. If I were paying out of my own pocket for ten minutes, I would expect to pay no more than $35 (if you figure that he deserves 200 bucks an hour like a lawyer) but the doctor has to then spend twenty minutes filling out "insurance" forms. Well, he has to pay someone to do it for him. That's partly why a ten minute visit costs $200 and not $35. (Doctors also have to pay crazy "liability insurance" which is a whole 'nother sorry story which I won't get into now.)
I also won't get into the inefficiency of using emergency rooms as doctors' offices. There is a crisis in ERs because of this and, if something isn't done soon to fix the health biz, we'll be waiting for two months to get our tonsils removed. And that is with private "health insurance." With government "health insurance," it'll probably be two years.
Because of socalled "health insurance," we have an insane and out-of-control health-care industry that is run in a way that no business ever should be. We need to get back to paying premiums only for catastrophes and pay as we go for maintenance AND we need to pay for it out of our own pockets not expect it as a "benefit" from employers.