This is written by a practicing physician, a member of a profession seldom heard from during the current healthcare debate:
By: Larry G. Goss, M.D.
COSTS OF MEDICAL CARE HISTORICAL AND PROJECTED:
· Since Medicare was instituted most of the current cost of medical care has been driven by Medicare (Government) mandated regulations and bureaucratic requirements that Medicaid and private insurers also adapt.
· These burdensome requirements account for at least 75% of every health care dollar spent today in America!
· As just one example of current mandated costs imposed on physicians and other health care providers, ask any practicing physician about the costs of “Prior Authorizations” requirements in their offices today. Then multiply this cost by the thousands of physicians practicing in the United States today!
· 40 years ago in Oklahoma, an office call was $3.00, and a busy physician could have a large practice with just one full time nurse, and perhaps a part-time receptionist/bookkeeper. Now a physician is hard pressed to run his office with at least 4-6 full time employees and several more part-time employees/consultants! These employees have little to do with direct patient care and all of these people have salaries and benefits that must be paid.
· That the proposed Obama Health Care Plan (Socialized Medicine) is an improvement is ludicrous, and flagrantly dishonest. This absurd legislation is going to increase the bureaucratic costs even more astronomically! (Please see Organizational Chart of the House Democrat’s Health Plan at www.orlytaitzesq.com/images/DemocratHealthCarePlan,.jpg)
· HR 3200 mandates a new 8% payroll tax on employers with 10 or more employees and a payroll of $400,000 or greater; there is a lesser tax on employers with a $250,000 payroll.
· This new tax also applies to employers who do provide health insurance, but pay less than 72.5% of premiums.
· This new tax would, in effect, force lower income employees to take an 8% pay reduction: $1,600 yearly for a $10/hour employee.
· HR 3200 attempts to fund this draconian program by fining any individual (i.e. small businesses) with before deductions income of $280,000.
· Remember most American small business owners are not incorporated and file tax returns as individuals!
· It is planned to increase this tax/fine in 2013, if there is not enough funding for this estimated over $1 trillion program through costs savings.
· Political appointees would make “Comparative Effectiveness” determinations to deny medical care recommended by a patient’s physician. These bureaucrats would be paid based on these denials.
· It is planned to reduce physician payments by 21% in 2010 in order to save $240 billion from the government’s already astronomical budget deficit.
· This will have an extremely detrimental effect on access to medical care in rural and inner city areas, and on small struggling physician’s offices.
· Patient choice in health plans would become terminal as over 88 million workers would be shifted to the public plan from private insurance coverage. Those remaining individuals with private insurance will see substantial increase in their premiums as a result.
ILLEGAL ALIENS COVERED UNDER OBAMA CARE:
· HR 3200 also does nothing to address another of the most significant engines driving health care costs: tort reform to control frivolous lawsuits. Malpractice insurance costs are another considerable factor driving up the costs of medical care for all Americans.
· Section 246 of HR 3200 states: “NO FEDERAL PAYMENT FOR UNDOCUMENTED ALIENS. Nothing in this subtitle shall allow Federal payments for affordability credits on behalf of individuals who are not lawfully present in the United States.” However, there is no enforcement provision in this section. This means that US taxpayers will be paying for the free medical care of illegal aliens!
· Rep. Dean Heller, R-Nev., offered an amendment that would have required the Federal Government to use the same database, already in existence, to check eligibility for welfare recipients to ensure illegal aliens are not in the proposed health care plan.
· The House Ways and Means Committee rejected the Heller amendment on July 17th in a straight party line vote!
· According to a Center for Immigration Studies report, about 15 million of the “46 million un-insured are illegal aliens and their children!
OBAMA CARE TO SENIORS: JUST GO LAY DOWN AND DIE!
· Section 1233 of HR 3200 mandates a government requirement for “Advance Care Planning Consultation.” This is required “end of life” counseling for senior citizens.
· Betsy McCaughey, former lieutenant governor of New York, and a health policy expert, states the “consultation” is “no more or less than an attempt to convince seniors to die.”
· “One of the most shocking things is page 425, where Congress would make it mandatory absolutely, that every five years people in Medicare have a required counseling session,” she said. “They will tell (them) how to end their life sooner.”
· “Palliative care and hospice” is to be recommended to seniors in their mandatory “counseling” sessions. This kind of care generally means only pain relief until death!
· Incredibly, it also includes a suggestion for euthanasia: withholding the “use of artificially administrated nutrition and hydration”!
· This section sets out reporting requirements for doctors to monitor how end-of- life orders are complied with!
· Such counseling sessions must be administered every 5 years and sooner if there is a change in the person’s health status or even an ordinary admission to a nursing home.
· The message is clear: “Do what is in society’s best interests, and cut your life short!”
· Obama Care suggests that medical care be withheld from a person based on the expected years they may have left to live. This is blatantly unethical and a total violation of a physician’s Hippocratic Oath!
NATIONAL HEALTH CARE WILL DENY YOU MEDICAL CARE:
· Health sections in the 2009 American Recovery and Reinvestment Act demands that all health care records be put into electronic format. This gives government bureaucrats access to your personal health records.
· Allows these bureaucrats to make health care decisions for you!
· Allow authorization of the “Office of the National Coordinator for Health Information Technology.”
· “The National Coordinator shall perform the duties under subsection (c) in a manner consistent with the development of a nationwide health information technology infrastructure that allows for the use and exchange of information and that among other functions provides appropriate information to help guide medical decisions at the time and place of care.” (Emphasis added.)
· National Coordinator will monitor treatments to make sure the doctor is doing what the federal government deems appropriate and cost effective!
· The federal plan is to reduce costs and “guide” physician’s decisions.
· This language is virtually identical to former Sen. Tom Daschle, D-S.D., wrote in his book “Critical, What We Can Do About the Health-Care Crisis.” According to Daschle:
· “doctors have to give up autonomy and learn to operate less like solo practitioners.”
· “The National Coordinator will be able to enforce his decision as to what is appropriate treatment through sanctions against health care providers!”
· Doctors who are not “meaningful users” of the new system will face penalties. “Meaningful user” is not defined in the Stimulus Act. This is left to the arbitrary whim of the HHS secretary who is empowered to impose “more stringent measures of meaningful use over time.”
· Penalties could be imposed against doctors that would “deter health care providers from going beyond the electronically delivered protocols.”
· Stimulus Law appears to set a requirement for all medical records to be on line. Thus, government bureaucrats in Washington could review the diagnosis and treatment of a person and apply pressure or penalties against doctors if they didn’t like the cost or treatment
· The Stimulus Law calls for a single electronic medical record for every U.S. resident by the year 2014 and provides access to those records to “providers, health plans, the government, and other interested parties.
· The Stimulus Law appears to eliminate the right of a state to impose stricter privacy standards! This law attempts to render the medical privacy under federal law, state law, the Hippocratic Oath, and HIPPA null and void.
KISS YOUR PRIVATE HEALTH INSURANCE (AND THE INDUSTRY!) GOODBYE!
· In HR 3200, is a “Limitation on Enrollment” section on page 16 which states:
· “Except as provided in this paragraph, the individual health insurance issuer offering such coverage does not enroll any individual in such coverage if the first effective date of coverage is on or after the first day” of the year the legislation become law.
· This means that those who currently have private individual coverage won’t be able to change it and those who change jobs, or become self employed will not be able to obtain private medical insurance!
· Government-subsidized (socialized medical care) coverage will mean the death of the private insurance market/industry.
· Employers will probably stop providing employees private plans and go with Washington’s socialized medical plan when the premiums are 30-40% cheaper than any private premiums existing now.
· It is estimated that 120 million or more will lose employer group coverage and be forced to accept the government plan. This may leave the private insurance companies with less than a 50 million customer pool. This small pool is untenable in the insurance business and will be the death of any private insurance availability.
· This will also likely mean the end of health savings accounts, thus giving final and total control of healthcare to government bureaucrats.
· The federal government does not have the constitutional or moral authority to outlaw private markets in which private parties voluntarily participate.
· HR 3200 contains 1,018 pages of new regulations that will require a person to buy whatever insurance the government demands before any other necessities of life. If you don’t you will be taxed or fined!
· HR 3200 imposes the following additional income tax surcharges: 1% for individuals making more than $280,000 or families earning more than $350,000; 1.5% for individual incomes over $400,000 or families over $500,000; 5.4% for individuals over $800,000 or family income over $1,000,000. The plan will push top tax rates over 50% in 39 states.
· If the “Federal health reform savings” have not saved at least $150 billion per year by the end of 2012, the first two tax surcharges will increase to 2% for families making over $350,000 and 3% for families making over $500,000.
· Keep in mind, the above income levels represent the before expenses gross income of most American small businesses, not the taxable income after deductions of actual persons or families! This is because 68% of small businesses in America are not incorporated and their owners file as individuals!
· HR 3200 will penalize employers 8% of average paid wages if the employer does not offer acceptable (to the federal government) coverage. There is an exemption for employers with annual payroll under $250,000, but increase by 2% every $50,000 reaching 8% at $400,000. This alone has been estimated to kill 5 million American jobs!
· HR 3200 subsidizes up to $88,000 of income for a family of four. This is up to 400% of the Federal Poverty Level.
· Offers these subsidies to most if not all non-citizen legal immigrants.
· HR 3200 is expected to cost over $1.6 trillion over the next 10 years, but this may be an underestimate.
· By 2019, it is estimated by CBO that HR 3200 will cost over $200 billion in penalties assessed against employers, with an annual subsidy of $6,000 per enrollee.
· The latest bill reported out of committee would “cover 97% of Americans” and would “only cost $600 billion” over 10 years.
· The $600 billion is still $600 billion more than current health care costs.
· If 97% are covered that means that almost 10 million Americans (3% x 304 million Americans) are not covered at an additional cost of $600 billion!
· How is the $600 billion saved in the latest version of the bill? By cutting payments to doctors, hospitals, pharmacies and drug companies! And, by taxing employers if they don’t have their own employee health insurance plan. This is supposed to raise $52 billion over 10 years, but will be the end of many small businesses.
· The new Government Insurance Company will not be subject to lawsuits, malpractice or otherwise, will not be subject to state regulations, not subject to federal or state taxes, OSHA regulations, EPA regulations, and on and on!
· There is simply no way any private insurance industry can compete with the planned government behemoth. And so Obama gets what he wanted all along, complete control. Is that what we really want? For ourselves? For our children? For our grandchildren?
Larry G. Goss, M.D. 2009
ACKNOWLEDGEMENTS:
“ObamaCare harms low-income workers” Linda Hartman, M.D.
“Loophole for illegals in ‘Obamacare’” Chelsea Shilling
“Obamacare for old folks: Just ‘cut your life short’” Bob Unruh
“Obama’s plan to save money: Deny you medical treatment” Bob Unruh
“Uh-oh! Say goodbye to your private health insurance?” Chelsea Schilling
“’Frankenstein’ of all health care reforms” Roger Hedgecock
“ORGANIZATIONAL CHART OF THE
HOUSE DEMOCRATS’ HEALTH PLAN” Dr. Orly Tiatz