A member, and hoping to stay that way, of the reality-based community
12 July 2009
Predicting wetter than average fall for Boulder
30 June 2009
Health Insurance isn't
Congressional committees heard a lot this month about the devious schemes used by health insurance companies to drop or shortchange sick patients. It was a damning portrait — and one Americans know from painful personal experience — of an industry that all too often puts profits ahead of patients.As health care reform moves forward, Congress must impose tighter regulation of companies that clearly are not doing enough to regulate themselves. Creating a public plan could also help restrain the worst practices, by providing competition and an alternative.
A House oversight subcommittee took a close look at a particularly shameful practice known as “rescission,” in which insurance companies cancel coverage for some sick policyholders rather than pay an expensive claim. The companies contend that rescissions are rare. But Congressional investigators found that three big insurers canceled about 20,000 individual policies over a five-year period — allowing them to avoid paying more than $300 million in medical claims.
The companies typically argue that the policyholders withheld information about pre-existing conditions that would have disqualified them from coverage. But the subcommittee unearthed cases where the pre-existing conditions were trivial, or unrelated to the claim, or not known to the patient. When executives for the three companies were asked if they would be willing to limit rescissions to cases where the policyholder deliberately lied on an application form, all said they would not. This tactic will not be ended voluntarily.
If only I could believe it is not true. But of course it isn't. The insurance companies, doctors, pharmaceutical companies all have no financial interest in you being healthy. The insurance company wants only to take your premium, not to pay a claim on it. The doctor is rewarded financially only if you are one of the many people shuttled through his office (and only if your insurance— or you!— will pay). Pharma only makes money if you take the high-margin pill.
If we are to solve the problem of health care costs in the context of a market-based system, we have to change the profit incentive to one where your care-giver makes money when you don't need care.
Otherwise, we're probably better off with single-payer. Yeah, there will be rationing. We already have that today. We just have a different name for it. We call it poverty.
Just chew on that for a while.
14 June 2009
Padilla & Lebron v. Yoo
07 June 2009
Health care for all, please.
If you could structure the profit motive so that care-givers are rewarded for keeping people healthy (which is not the same as keeping them from seeking treatment, as many insurance companies seem to think), then a private system makes sense. Otherwise, single-payer seems the only sensible approach to the goal that I, at least, appear to share w/Scott: treat everyone regardless of ability to pay and don't bankrupt them while doing so.
If the insurance industry goes out of business in the process, that's too bad. At least while *they* are looking for work they won't get sick without being treated!
10 February 2009
Depressing turn of events
18 December 2008
War crimes trials would be a good start
Really— plainly and simply, any American official or officer above the rank of Colonel who approved of torture (in the sense of "agreed that it was an acceptable policy or helped to implement it") should be handed over to the ICC for trial on crimes against humanity. Bush, for those not sure of his culpability on simple grounds of mental capacity, deserves attention because he agreed that the United States would unilaterally abrogate its responsibility under the Geneva Convention.
I've argued elsewhere that Scalia ought to be impeached for ignoring the plain language of the 4th Amendment, but this is arguably worse. My own father, who is very much a partisan Republican most of the time, said at the time of Abu Ghraib that it was a horrible stain on our country. If we can publicly acknowledge that these horrible things were done in our name, and still not feel compelled to punish them, then we are weak, and deserve the horrible things that will be done to us. If by-then-President Obama wants to be a true leader for all people, one thing he will have to lead us to do is to see that torturers are punished fittingly.
Music to stay at home and drink to
Their most recent release (and first "full length"), The Great Collapse, is beautifully heart-wrenching. It's lush pop music, made by the modern equivalent of a big band (a friend who shares my addiction to music you can see up close counted 15 players on stage at one point at the CD release party they threw at Denver's Bluebird). And the title is a none-too-subtle reminder that these are perilous times. Other commenters have noted that EAOD (as they are called for short) sound like Arcade Fire at times, and resemble Broken Social Scene in ways, but I'd say that's not a bad thing. Their harmonies on their first effort, A Soft Civil War, were certainly less like Arcade Fire, and they have a way with horns that Broken Social Scene completely lacks, so maybe these comparisons are more the result of Arcade Fire and BSS being a bit too ubiquitous. I don't care. I know what I like, and this is on that list.
