« Anti-health crimes legislation. | tpmgary's Blog | "00011100000000100011" said one Senior White House official. »

Let's threaten to drop the private option


We tend to underestimate our power as Americans.  And in this case, as consumers of health insurance.  

Right now, it seems that our elected representatives are thinking about dropping the public option from health reform legislation.  Senator Kent Conrad, whose fat wallet is made possible by Blue Cross Blue Shield, Amgen, New York Life Insurance and Kindred HealthCare, to name a few, is dead set against a public option.  

If beltway ring leaders can threaten to drop the public option, why can't we all threaten to drop the private option, as a counterpoint?   

Consider this:  We are the only consumers the health insurance industry can offer its products to. (It's not like there's a global demand for private insurance--virtually ever other country has some version of universal health care, or single payer.) 

We have more power than we realize.  It's unfortunate that we can't seem to win debates as citizens.  As average Americans.    

But as consumers, we are anything but average.  We are powerful.  

If we can boycott Whole Foods, or pressure advertisers to drop Glenn Beck, why can't we arrange a "Drop The Private Option" Day?

I recognize this is difficult.  How can people go without health insurance? 

Well, people are losing their health insurance every day.  They are either being dropped as a result of practices like rescission.  Or they are electing to drop their insurance because they can't afford the premiums and they are going bankrupt.  

Let's just make arrangements to do it all together on the same day.  

This is already an unsustainable system.  

So it's almost like a game of chicken.  

Who will balk first?



25 Comments

| Leave a comment
user-pic

I suspect that this actually WILL happen if there is a mandate without a public option. Exactly HOW is the govt going to force us to buy insurance?

user-pic

I don't know.

How do insurance companies force us to buy health insurance?
No one can really afford it.
No one can really afford to be without it.

We really have no choice but to pay for something we can't really afford at all, until either a) we go bankrupt or b) it's rescinded when we need it the most.

It's a criminal catch 22.

I wish we could turn the tables somehow. We have a lot of power as Americans, if not through congress, then as consumers by boycotting insurance premiums.

user-pic

I just liked the title. A little irony is not so bad. It is different than say, boycotting the IRS and of course the sick could never get away with it.

Interesting

user-pic

Why aren't our representatives saying this? The general idea was that when there was a public plan, we'd be able to drop our private plan. I can't drop my health insurance. But since my credit is already shot, mostly from medical bills but also an extortionist credit card company, I'd be happy to drop paying my padded private plan bills!

user-pic

Don, what distinction are you making between your health insurance and your padded private plan bills? I'm not sure I understand what you're saying.

user-pic

Gary, I was just saying that I can't drop my insurance but can stop paying the bills I've been getting that are above and beyond what I was told I'd have to pay and in fact have already. Fraudulent representations equal fraud. I won't go into all the details but insurance companies have become outright crooks, if you ask me. For example, there already exist laws against denial in most cases for pre-existing conditions but big insurance ignores these and many other regulations. They hire whole firms to pore over policies in order to deny claims that should be paid. I think it's a good idea as a slogan and something we should be hearing from our leaders. But the fact remains, there is no alternative than keeping our employee based insurance or Medicare Advantage (something they're talking about cutting) for 99% of the country.

user-pic

I understand. Thanks for clarifying. I agree. The contempt with these insurance companies is immeasurable. White collar mob. You've got to keep paying them off, more and more money each month. And then they stick you with the cost of what they choose not to cover.

user-pic

Don there is a difference between regulation--putting into force existing laws--and the actual laws.

With w we had the worst of both worlds. Refusal to regulate, refusal to charge, refusal to investigate and refusal to indict...

And, of course, no new or clarifying legislation.

user-pic

Don Key,

One thing the public should check; see if your health care coverage has a lifetime limit on what they will pay. Its quite possible that many have gone beyond the limit but continue paying premiums.......for coverage for which they're ineligible.

user-pic
For example, there already exist laws against denial in most cases for pre-existing conditions but big insurance ignores these and many other regulations.

Does anyone know what mechanisms exist in any of the current healthcare reform bills to enforce anti-recission, denial of coverage laws, etc?

user-pic

PS if you were just talking about a virtual boycott, not one where people would actually drop their insurance, excuse my misunderstanding. As it stands no, it takes weeks and a lot of paperwork to make any little changes in my coverage. We have always been held hostage by the medical industry (including AMA) but it grows worse by the year. One small example: Under my plan a few years ago, I had to see my GP twice a year whether I needed to or not. Nothing ever happened during those visits except for my writing a $30 check. At one point, when I hadn’t been in for over six months, the Dr. refused to renew my prescriptions. This was on a Friday. One of my medications isn’t supposed to be stopped without a long gradual reduction, so I was very sick for about three days (too sick to even argue though I did quit that Dr. immediately). This is how the attitudes of many medical professionals have been changed for the worse by the financial institutions that have taken over health care. That's another reverse slogan for you- we don't want this "accountant-takeover" of our health care.

user-pic

That happened to my Dad, and it triggered a massive heart attack. The one that eventually killed him.


user-pic

Wow, Bwak, so sorry to hear that. I remember the (relatively) great treatment my mother used to get under BCBS in the '70s (two heart attacks and angina). She died soon after retiring to another state in the '90s where things were very different. The pills I was referring to above were actually a heart medication (inderol) but for a relatively minor condition not usually fatal. Still...

user-pic

when I hadn’t been in for over six months, the Dr. refused to renew my prescriptions

Well, to be fair, if you're on a drug, that is going to be more common, not less, if we reform away from fee-for-service towards more a more primary-care, "managed" care driven system.

The cost problems Obama wants to address would require more monitoring of precisely something like your prescription. The consensus among those who really understand what the problems are of cost and looming Medicare insolvency is that fee-for-service allows freedom to get lots of drugs and tests and specialists, to do things like continue to use prescriptions and get tests they might not need or are even causing harm, i.e., money-driven medicine.

I think that is also why he has always stressed "you can keep your doctor, you can chose your doctor," because that is the key to success of moving away from fee-for-service and to managed protocols: people feeling comfortable with their primary care doctor and being easily able to change the doctor if they don't agree with him. But chances are you wouldn't be easily able to renew without regular continuing check ups.

I like freedom on this front myself, the freedom to direct my own health. For example, I get angry at a lot of FDA actions. But at the same time, I do understand the need for managed care if we are going to give everyone basic care, it is actually the only real way to get away from "money driven medicine," which in the end is consumer driven. After all, no one is talking about denying anyone the right to opt out and pay out of pocket for anything you want to do the way you want to do it (even with the British NHS you can go private if you are unhappy.) That is quite different from the FDA banning something totally. Because I am not rich, I will settle for being able to chose a simpatico doctor to work with me, and perhaps have to pay him co-pays more often than I would like, according to protocols set up by an independent panel.

user-pic

AA, thanks for the explanation. I think you’re right and though I don’t know any more about it than the average consumer (formerly known as patient), I know that Medicare A/B is managed care. It’s a problem, along with an enormous amount of fraud (it’s kind of like taxes, I think, drs. and other providers feel they have a right to pad their bills since the government is paying the tab). Then, too, regulators have been asleep at the wheel for too long now.

Anyway, when I talk about a Medicare-type government option, I’m including the government subsidies for additional coverage (Advantage) which fills in the gaps and allows more patient options. That, in fact is the part Obama is talking about cutting to pay for universal health insurance reform. I don’t want to take more from Grandma to give more to United or Humana. I can’t see a doctor holding a Medicare patient’s medication hostage to collect a fee. But, as someone was pointing out on another thread, the differences in quality and costs of care under Medicare is great between regions and cities. So, I’m guessing that local factors, state laws and regulations and even just regional practices play a part in how well that management works.

The point of my anecdote was that (many) Doctor’s attitudes towards patient care have changed with the HMO profit-centered evolution. At that time there was a lot of lip service paid to preventative health care (I was given dozens of colorful, smiling-faces brochures about this or that), but I know for a fact that in the case of not renewing my prescription, my doctor was just following a scheme which required him to fill quotas in his waiting room (I remember now that I was desperately trying to quit smoking (I believe, the number one factor in death and illnesses) back then and got absolutely no help from my doctor for that, though I just holed up and quit cold turkey a couple of years later). So much for "preventative health care."

I’ve seen more and more of this since then with different MDs and insurers, and I’ve seen the same shoulder-shrugging disregard for patients at the county hospital, which has become more and more “money-managed” too. I'm sure doctors don't like having their fees restricted and there are probably many who went into medicine just to get rich. But I bet there are more who went into medicine because they were interested in treating people and hate having their medical decisions made by accountants.

I don't think the public is really aware of how bad the system is. Costs are shuffled around and are escalating at a rate that will collapse on itself at some point. I spent about three hours in the ER last November with kidney stones, other than getting a CAT-scan and some pain medication at the end, I just lay in a corner in agony. I've had them before and knew that they were just stalling until I passed it to a certain point. The cost, not including the doctor's fees, was over $8,000.

A single-payer system would have to be nationally managed, including costs but people will demand that it is patient-centric. I'm willing to give up a lot for a universal low-cost HC non-profit system including ultimately unnecessary but feel good treatment.

Republicans and our other bought-and-paid-for representatives are trying to kill the public option (and even co-ops now) by saying it is just a Trojan horse to single payer. Damn right it is. But only if we do not allow the medical industry to hobble it with phase-ins, underfunding, limitations on collective bargaining, etc. (Sorry for rambling on).

user-pic

Lovely, Gary!

user-pic
So it's almost like a game of chicken.

Well, yeah.

user-pic

ooh. Right, chicken reference. Bad form on my part, Bwak:)

user-pic

I love this idea!

user-pic

BRILLIANT!

Count me in! :-)

user-pic

Why has the White House and others like Moveon.org not used all the insurance/pharma horror stories? I know the Whitehouse.gov asked for and collected them. Why is no one using them? In my opinion, to see a :30 spot where the family is bankrupt over medical claims and where insurance companies have dropped them when they got sick, would be a very, very powerful message to the public and I think even the deathers/thugs can't compete with that.

Show someone who's been just reamed by corporate insurance. That will get everyone's attention and make them wonder if it will happen to them. Or even state that it could happen to them. Make sure that the commercial states that "I thought it would never happen to me...I had health insurance". I think that would go a long way in shutting down some of this obstructionist BS and make people really think about how their insurance company has screwed them too.

I think Rep Weiner (D-NY) was great on Morning Joke. He hit to the heart of the matter when he asked Joke, what have insurance companies done to really help healthcare?

user-pic

I like this idea, in theory.

Another idea: since so many on the right (and middle, as well) seem so very worried, deeply worried, about GOVERNMENT TAKE OVER OF HEALTH CARE!!!!!!@#$!@!@!, I think we should also have an "Opt out of Medicare" movement, so that everyone who is deeply uncomfortable with the idea of the public option can rid themselves of that horrible, horrible government run healthcare.

user-pic

That's a great idea. The kind I think we need to generate on a regular basis. My intent is to seed the idea that we are far more powerful than we think, or others would have us believe. It's an illusion really, that we aren't. The one language that corporations and reps and senators all seem to respond to is cash.

Money talks.

It is also perfectly capable of walking--walking right out the door of any company, as Americans see fit. As a collective, we can boycott. We can stop buying things from a particular company. (Wholefoods.) We can stop watching a particular station or get advertisers to stop advertising on that station by threatening to embarrass them or stop buying their products. (Glenn Beck advertisers.)

It's time Americans were treated as a special interest group. THE special interest group.

We are the ultimate union. Why aren't we leveraging our power as brutally and unsympathetically and effectively as industry leverages its power over us?

user-pic

Chalk it up to the Prisoner's dilemma, I guess.

user-pic

Excellent! I've thought of that too. If people don't like it, they can leave.

Indeed, it is possible to opt out of Medicare. Actually, you have to opt in! It's not automatic.

So, yes, all you folks railing about Medicare, please... do us tax-payers a favor. Leave it if it's not to your liking! That leaves more Medicare for those who appreciate it!

Leave a comment

tpmgary

user-pic

Following: 102
Followers: 54

Posts
Comments & Recommends


  • Location ny
  • Party independent democrat
  • Politics progressive

Favorites

Bio

degradable

All Reader Posts
How to use myTPM

Advertise Liberally
Share
Close Social Web Email

"To" Email Address

Your Name

Your Email Address