Wednesday, October 14, 2009

The Health Care Solution

So there is one thing I know about health care and all sides of the issue. Everyone is wrong. As I was driving back from lunch today I saw a long line of picketers near a building. They were holding up signs that said "stop obamacare" and "I would have died 10 years ago if I was on obamacare". All of these lovely signs. Now I come from a unique perspective on all of this. I used to be a die hard conservative who liked Rush Limbaugh and thought democrats were all evil. It was only when I came to the conclusion that all of politics is evil and corporate interests can be evil as well that I became free. I realized that anyone who believes the news and talk radio is really taking in a filtered view of the truth seen through some kind of mask. Everyone has a slant. I thought to myself as I looked at the picketers, do they really know what they are talking about? There is probably a 1,000 page bill that maybe 5 people have read and 1 of those people looked at page 597 and determined that the plan is wrong. So the talk shows and republican leaders jumped on it because they don't like democrats. Even the democrats don't know what is in the plan, they have people who write cliff notes and tell what is in it. Then they use these talking points. The debate then becomes the talking points and not the actual bill. The fact is, something so complex needs to be split up into many many bills and voted on. But we just cannot comprehend it all, so many things, some good, some bad, are going to slide by all of us. It is a shame. Our government system needs a rewrite for the complexities of the 21st century.

The fact is, there is no simple cure for health care. Take our recent baby. We currently have 2 insurance cards. I have the family plan at Aetna (90/10) $300 deducatable and Holly has the family plan at BCBS(80/20) $1000 deductable. Now that we are receiving bills it is getting really complicated. So far the gross is $27,000 also for the NICU. Then there is a negotiated rate making it $17,000. Then the insurance companies start paying in supposedly making our bill around $4,000. Just for having a baby. Yet we have two insurances. I would think that we should end up paying 20% of 10% of the bill. This system is really broke. Now repubs seem to think the government should stay out of it and corporations have the solution. Unfortunately that is wrong too. The interest of every corporation is this: how can I make more money and how can I save more money. It is not a moral or ethical interest. It is all about money. From insurance companies to the companies that hire us, there is no wise and moral guidance. It is definitly not about the people, which we should be assured that is what government is about. For instance, next year my Aetna insurance is getting turned into some kind of preventative plan at (85/15) $5000 deductable. It is terrible but it saves the company money but could make us all broke if we have any kind of major surgery. So the solution is not corporations. The private sector does not have the health of the people as a primary concern.

So on to the flipside and why it is wrong as well. The democrats seem to think government is the answer for everything. As if things are ever simpler under the government. I don't really have faith in a system that is bankrupt and slow, yet somehow the dems seem to think by forcing everyone to go along with their healthcare suggestions we will all have top quality healthcare. That is false too. The fact is, hospitals and insurance companies are companies that look to make money and a government that regulates them then puts caps on what people can receive will cause people to wait too long for healthcare, not have available cures or the best medicines. Also, taxes will have to be raised and repubs don't want that. There is a reason why other countries pay 40-50% income tax and that is to support the massive healthcare infrastructure. Americans love not paying high taxes because high taxes can prevent us all from becoming wealthy. Now in an ideal world a government for the people should look after everyone's healthcare. But those ideals are not reality. Already corporate interests and lobbyists influence politicians way more than votes do. We just can't trust anyone to look out for our healthcare fairly. That is the big problem. There is no one who is fair and impartial in this world.

So what is the solution? There is no unified solution. The closest I can come to is to create an artificially intelligent expert system. What it does is enable real time billing per situation. Basically an algorithm will be created that bills people fairly based upon their individual income, use of healthcare, amount of medicine, use of hospital supplies, number of doctors and all other factors that go into giving good healthcare with caps on how high it can charge. The one rule is this, people will not be forced into poverty because of their healthcare. I think I will write it all out and pitch it to a local congressman. Who's with me?

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