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Today's Nuze

"Every government interference in the economy consists of giving an unearned benefit, extorted by force, to some men at the expense of others."

Ayn Rand

Nobody's listening.

A REPUBLICAN ALTERNATIVE

By
Neal Boortz
@ June 18, 2009 8:31 AM
Permalink | Comments (33) | TrackBacks (0)

While the Democrats battle within their own party to come up with a healthcare bill that they think can pass, the Republicans have decided to come up with a bill of their own. Does it have any legs to stand on? Not a chance. But here are some of the details according to CNN Money ......

  • "Pools" of insurance. It would let states, small businesses and others group together to offer lower-cost, health care plans. Such pools would have to offer, at a minimum, any coverage that is provided in a majority of states.
  • Medicaid transfer. It would allow Medicaid users to take the value of their Medicaid benefits and transfer/apply those to a private health care plan instead.
  • Boosting of health care savings accounts. It would increase incentives for people, especially those in lower income brackets or over 55, to build up HSAs. OK .. this idea has merit.
  • Automatic insurance. It would encourage employers to sign up their workers for health insurance automatically, so that employees would have to "opt out" of coverage if they didn't want it. This is reform? How about moving more health insurance policies to private ownership, instead of corporate.
  • Longer coverage for youths. It would allow dependent children to stay on their parents' policies until they are 25.
  • Promotion of wellness at the workplace. It would encourage employers to reward employees for improved health.
  • Expansion of community health centers.
  • Mobile health care. It would allow Americans to maintain their specific health insurance policies when they lose or leave jobs.
  • In-home care. It would provide financial help and encourage more in-home care over institutions.
  • Limitations on malpractice lawsuits. There is general agreement over limiting such lawsuits, but a deep divide exists over exactly how much.

This is weak. Very weak. There is only a minimal promotion of the private sector here. Let me give you just a few ideas of things they missed:

  1. Allow individuals to deduct the cost of their health insurance from their taxable income, just like their employers can right now.
  2. End all state insurance mandates. If some insurance company wants to market an insurance policy that doesn't cover for the normal costs of childbirth, drug abuse treatments, mental health treatments, obesity treatments, alcohol-related treatments and the like ... then let them.
  3. Allow people to shop across state lines for their medical insurance.
  4. Expand the privileges of nurse practitioners. I don't need someone with seven years of medical school and residency to prescribe an antibiotic for a sore throat.
  5. Charge a minimum of $5.00 per visit to any public health facility ... regardless of income. This will weed out the people for whom a visit to the doctor is more of a weekly social event.
  6. Require only life-saving medical care to those who are in this country illegally.
  7. Allow employers to shut out smokers from any company-provided health insurance benefits.

That too me all of 90 seconds .. .and there's not one idea there that expands the size or scope of government.



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What others are saying

  • Encouraging a workplace health program is a great way to lower overall health care costs and to improve employee health. Companies of all sizes can incorporate wellness and prevention into the workplace. Find out how at http://www.friendsoftheuschamber.com/issues/index.cfm?ID=52
  • Lowering health care costs might not be healthy
    As a licensed health insurance professional, I would like to point out that there are ways to lower health care costs. I did NOT say that you would like them. Once the government is in control, has eliminated private insurance, and made it illegal for anyone other than government controlled health centers to care for you, then we will start to see things that will lower costs.
    1) Let sick people die. Who needs them? It's the sick people that are driving up the costs of health care. If a person is too sick, they will be refused treatment (this is already happening with organ transplant patients. If they are not a "good risk" they are a lower priority.)
    2) The number of disapproved treatments will skyrocket. With limited resources, and too much demand we will see more patients being denied treatment. If you are old, that means that you will have the Eskimo alternative (walk out into the cold and die).
    3) The quality of the treatment could diminish. Instead of getting an MRI and/or surgery, your treatment might be a bottle of aspirin.

    In other words, we now have the greatest health care system in the world. When the government is in control, that will change.

    How did the Eskimos do that again? Walk out into the cold and die?
  • Is Smoking worse than obesity?
    I love Neal's website, and agree with almost everything he says, except the smoking issue. I smoke. I'm also thin, active, and have a healthy diet. My kids love spinach, cabbage, and broccoli (as long as it's accompanied with a nice pork chop or rare steak).

    I've been paying into healh insurance plans for decades, and rarely use it for anything but annual physicals. Don't blame the ills of the system on smokers.
  • How about...
    we Don't!

    Fed out. If states want to do something, fine. Just encourage the insurance companies (don't threaten them like you usually do O) to unbundle the policies so I'm not paying for something I DON'T need like maternity. Youngun in college for crying out loud, what do I need with maternity coverage?
  • Should be noted...
    that all those "employee wellness" programs fail. Not one study has shown that they actually improved anyone's health, while they DID end up drastically cutting benefits or raising premiums. I basically like private sector, but this, to me, is basically abridging contracts; "We'll cover your health costs as long as you meet these standards, which may or may not be impossible and which we can change whenever we please to sqeeze you out"
  • Health Care
    Great idea to allow companies to tailor coverage to individuals--I'm 65 years old, don't drink (much LOL), smoke and don't plan to have more kids--why should I have to pay for those who do?

    What do you think of the Safeway Plan?
  • Booting Smokers
    I'll go along with allowing employers to drop smokers from health care coverage if we can also drop the Obese for poor eating, and the drunks for ruining their liver, kidneys and other organs they pickle.
  • 3 Words
    Health Savings Account

    The best insurance coverage ever. Granted, you have a lot of out of pocket expense, but it is pre-tax contributions. And..you aren't invested in premiums that you may never use. Your money simply gains interest if you don't use it. Also rolls over from year to year. After 3 years of going to the doc/dentist/eye doctor for checkups, no major illnesses, I had 8k in my account. Just sitting there making interest....

    DUH!
  • Good posts
    I agree with Jon - get gov't out. Unfortunately, as always, these candyass Repubes offer a "Democrat-lite" or compromised position.

    As for Boortz's plan, why charge only $5. Make it $40. These will weed out the ones who go there when they have the sniffles.

    These deadbeats make each emergency room a welfare zoo. Ever see the looks of these people? Do you honestly think they even have a penny to contribute to the cost.

    That said, screw this nonsense of " Require only life-saving medical care to those who are in this country illegally." They should get nothing for free. I could care less what happens to them. BTW, Who is to decide what life-saving medical care is? Where do you draw the line? I can only assume it will be like George Tiller and his ilk who said we can conduct 3rd trimester abortions if the mother's health was in consideration. Well, the baby killers quickly found a loophole and started doing the late-term abortions when the mom had such "life threatening" illness as depression or some mental issues. Also, can you imagine the lawsuits from some red diaper baby lawyer if one of these illegals didn't quailify for the life-saving threshold and ended up dying?
  • Neal Is Correct About Nurse Practitioners
    I work in SC at a rural hospital as Controller. In SC, nurse practitioners can prescribe medicines and they certainly are of great assitance in some of the physician practices we own.

    Thanks
  • Health Care
    I am also so proud to not have health insurance. When my health is at stake, I want the doctor to care what I think more than any inserted overblown insurance company. Regarding smokers, I think the government should supply electronic cigarettes to smokers who cannot quit. They are safe and feed the addiction without damaging the smoker or his associates and they humidify the air. What's not to love? Re: ex-owner of drive throughs who just bought a company in St. Thomas - is he married? Does he need an office manager? I'm available and will be happy to provide my resume and an interview at his convenience.
  • Comments and Neil are off
    To address the allowing of Pharmacists to prescribe because they went to school? Most Pharmacists in the US have 5 or 6 years for a master, nothing more. A PharmD is a recent thing and hasn't been used that long in most states.

    Nurse Practitioners and PAs are an interesting way to fill in a slightly lower paying gap for service. I am intrigued here.

    Another idea is that nursing shortages and pharmacist shortages have driven up costs because of the need coupled with the drive to get these individuals. Only problem is, board of nursing and board of pharmacists for the states have a vested interest in keeping demand high and over-saturating the workforce. Hence why it is not only difficult, but near impossible to add new nursing or pharmacy programs at 4 year colleges right now. This is a conflict of interest, if these positions had real market influence, people would be training droves at many schools (like what happened to engineering in the 90s) and then the extra competition would drive salaries down, thus costing the end user less.

    Until insurance companies start offering the same premiums to a single user as a corporation that buys 3000 at a pop, then I am not sure how private purchased insurance can compete. For me, insurance is a job perk (not something I would expect always). But to be honest, if it wasn't offered, I would look for a company giving it as a perk to keep me on staff (and trust me, for my profession, they would do this to get the best people to work for the company).

    So, Neil's rants have merit. And I am caught in the middle with how to solve it. But I think there are many avenues that can be chosen.

    My points 2 and 3 are the ones that I think need to be addressed somehow.
  • Norman Mattoon Thomas (Nov. 20, 1884 - Dec. 19, 1968) was a leading socialist, pacifist, and six time presidential candidate for the Socialist Party of America. In a 1944 speech explaining why he need not run for president anymore, he said this..."The American people will never knowingly adopt socialism. But, under the name of 'liberalism' they will adopt every fragment of the socialist program, until one day America will be a socialist nation, without knowing how it happened."....He went on to say: "I no longer need to run as a Presidential Candidate for the Socialist Party. The Democrat Party has adopted our platform."
  • yes it does..........................
    I have to disagree with you jon. gubmint does have the power to run anything the gubmint wants to run.

    they have the guns............

    since when does that silly piece of parchment with words like.....WE THE PEOPLE have anything to do with gubmint?

    for 'xample federal reserve, gubmint control of bizniss etc etc etc....I sound like yul brenner in the king and I.

    DRIP don't return incumbent politicians
    ARM YOURSELF
    PROTECT YOU AND YOURS
  • hmm
    So, with this plan - the states race to repeal all their health insurance regulations, but one (probably Delaware) will win. So all the insurers relocate to Delaware, because it's the best of both worlds. No regulations at all (we don't need no stinkin' reserves!) but access to every customer in the country.

    And if your insurer wants to, say, take 5 years to pay your claims...then you have to take it. Delaware doesn't care what you say because you don't vote there. Neither do Delaware courts (but you probably gave up the right to sue in your contract, anyway).

    Insurers would have no accountability AND you would have no market choices. Awesome!
  • Republican direction?
    Someone needs to adopt The Constitution be it the Republicans, Libertarians, or a third or fourth party.
    Big Africa, I'm with you and Jon on this one.
    Where in The Constitution is Social Security, Medicare, or any other social program mentioned? Where does The Constitution give the government the authority to seize property (taxes) from one individual and give it to another the government deems more worthy or "needy"?

    How do the feds have any authority in education? Our "government indoctrination centers" are the result. Again, completely unconstitutional.

    Maybe our party of choice should start concentrating on ways to restore The Constitution.
  • Sad, really.
    I figured the Republicans would pirate the Libertarian platform to regain power, but this sounds like the GOP is just going to be the almost-as-socialist-but-not-quite alternative and wait for the Dems to implode.
  • physician assistants
    neal, nurse practitioners are great, but you keep failing to mention another entire class of healthcare professionals, of which i myself am one: physician assistants. we are both fully capable of seeing, diagnosing, interpreting results, and prescribing treatment, be they medications or other. MDs get a 4 year undergrad degree, then a 4 year medical school degree. i have a 4 year undergraduate degree, and a masters of health science. in the coming years as more "reform" is enacted, there will be a "push" (read:force) to put more providers in primary care. i see PAs and NPs filling these gaps as not as many people aspire to be doctors because of govt interference. just my 2 cents.
  • physician assistants
    neil, nurse practitioners are great, but you keep failing to mention another entire class of healthcare professionals, of which i myself am one: physician assistants. we are both fully capable of seeing, diagnosing, interpreting results, and prescribing treatment, be they medications or other. MDs get a 4 year undergrad degree, then a 4 year medical school degree. i have a 4 year undergraduate degree, and a masters of health science. in the coming years as more "reform" is enacted, there will be a "push" (read:force) to put more providers in primary care. i see PAs and NPs filling these gaps as not as many people aspire to be doctors because of govt interference. just my 2 cents.
  • Good ideas, most of them
    I like #5, but it should be a 10-15 dollar minimum. $5 doesn't even pay for the medical provider having the lights on, much less the employee's time. Except #4:
    "4.Expand the privileges of nurse practitioners. I don't need someone with seven years of medical school and residency to prescribe an antibiotic for a sore throat." NO, But you need someone who may know all the possible illnesses that a sore throat can be a side effect/indicator of. And that ain't no NP. There's ____ good reason 7 yrs of Med school is required for some things.
  • Another Good Post Spoiled
    Neal just had to end it with another weird smoking rant. As someone who is a REAL Libertarian, I wouldn't shut out anyone as long as they were willing to pay for the additional REAL costs of their behavior.

    But let's open up Neal's can of worms all the way. Using his logic, an employer should also be able to shut out the obese, the sedentary, motorcycle riders and any other behavior that could raise costs.

    An old, fat, lazy biker is much more likely to burden the health care system than a young smoker.
  • $5.00 Charge for Health Care
    I invite you to visit our local hospital emergency rooms. I had the pleasure a few years ago when complications from chemo led to heart problems. (Thankfully I had insurance) I will never, ever return to one of those places if at all humanly possible. I can guarantee you that people there will not pay their bill, even if $5.00. These are the people who make a day of it at the local emergency room because they can't be bothered to find a doctor, don't have insurance and are denied freebies at the health clinic. I pity anyone who works at the emergency room with these people. Yes, there are true emergencies but not for the general clientel found there. What a zoo! Without appearing heartless, how can you make people be responsible?
  • Im with Jon on this one...
    Lawlessness is not going to work anymore. The constitution is the American rule of law, and it must be followed. Voting for this nonsense simply enables lawlessness. Jon is absolutely correct, the Federal Govt does not have the authority to deal with healthcare in ANY form or fashion. Nowhere in the constitution will you see the word "healthcare". The GOP still doesn't get it. When they come up with ideas that simply tinker with socialism, it betters the chances of another 8 years with Obama.The GOP is driving traditional conservatives away to the Libertarian party. Why can't they get with the program.
  • Walter Williams speaks
    Government-sponsored health care can be used to restrain liberty

    http://www.deseretnews.com/article/1,5143,705310958,00.html
  • Alternative
    "7. Allow employers to shut out smokers from any company-provided health insurance benefits."

    7. # Allow employers to shut out smokers, or family members that smoke, from any company-provided health insurance benefits.
  • Pharmacists
    Besides allowing nurse practitioners to prescribe medicine, how about Pharmacists, too? Did those people go to 8 years of school to take pills from a big bottle and put them in a little bottle?
    Also, I'm so proud not to have health insurance.
  • Get rid of major medical
    I'd much rather just get the money my company spends on health insurance for me added to my paycheck and then purchase a hospital/surgical policy for catastrophic medical expenses. If everyone had to do this we would introduce market forces back into health care that would keep rising expenses in check.
  • Get off you high horse!
    BOORTZ- "Allow employers to shut out smokers from any company-provided health insurance benefits."

    (NON-SMOKER)
    Get off this one BOORTZ! I start buying this when you include over weight people that still eat cookies, folks with heart problems that still use salt, etc, etc, etc!

    There are a lot of other things we could do to bring down the cost of health care. If some one smokes it is none of your business. And before most of you start, for every study that came out about second hand smoke, I have read one debunking it! If you start dictating this, what is next? Salt, sugar, snack foods, when you can eat, what you can eat? Besides Neal, I hate being lectured by an ex-smoker.


    AND IT KEEPS GETTING FUNNIER!
  • Pretty good ideas
    I was reading down the Republican list and can pretty much agree with all of them except for maybe mobile healthcare. Isn't that what Cobra is for? You can keep your policy for 90 days but you have to pay your premium + employer premium.

    Your #5 seems kind of "meh." People will be up in arms saying "What about emergency rooms" blah blah. Your #6 sounds fine, until you try to implement it. Emergency rooms checking passports, birth certificates, and/or social security cards? Sorry, but I left that in the safety deposit box before I fractured my arm. The bank isn't open right now. If you're telling me to sit around until Monday morning with a broken limb that will become life threatening, even if it isn't immediately so. Expect a huge rise in "Emergency Room" visits with your #6. 7 seems ripe for a discrimination suit. Otherwise I can agree with you.
  • GOP Alternative
    Why would the GOP want to come up with a real alternative? That might muddy the waters and do nothing more than piss off their bosses...you know, the Democrats.
  • Boortz's ideas sound better...
    they seem moreso based on liberty of the individual. Now if only Boortz would apply this kind of liberty and personal responsibility mentality to his foreign policy ideas....
  • What's the point in voting Republican again?
    Seriously, grow some 'nads and trumpet freedom and liberty, not socialism-light
  • a real solution
    I will accept nothing less than getting the federal govt out of healthcare all together. That is what republicans should be saying. The govt does not have the power to fund healthcare.
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