Showing posts with label abuse. Show all posts
Showing posts with label abuse. Show all posts

Thursday, March 26, 2009

What is America?

Maybe the real question is who, but I'll go with what anyways. I hope to convey my message as it is in my head, despite my lack of truly expressive literary skills. To begin to see how America came about, I think we need to go back, way back, in history.

Many centuries ago Rome was considered the light of the world, shining out over the dark and barbarian lands that surrounded one of the greatest and most powerful empires that ever existed in the history of man. Rome was not a monumentous machine of war, nor was it the embodiment of politics.

Rome was more aptly, an idea. An idea that was strong, yet so fragile.

While maintaining a monarch-like head, Rome was a place where the people who lived there ran their government as they ran their lives. They sent forth people to represent them in the Senate. The Senate was the link between the common people and the Emperor. The job of the Emperor and the Senate was to see to the needs of the Empire, while providing a place suitable to the peoples' wishes, without interfering with their ability to produce value to their society.

It was within this construct that Rome grew in its perceived greatness. Some surrounding areas willingly joined the Roman territories to be a part of its unique "center of the world" status. Others on the other hand chose either to defend themselves from Rome's influence, or to outright attack Rome for what they found offensive about this civilization.

As with any major civilization, greater power led to expansion through military means. The need to control the known world, and press into the unknown seems to be inherent trait of ours throughout history. Power abroad was not only thirsted for by the government as a whole, but by individuals within the government over domestic affairs. Favortism, greed, and corruption of all sorts became the name of the game. Once ruled by statesmen, Rome found itself under control of mere politicians, jockeying for more personal power at every turn. To be sure, there were members of the Senate with a more pure heart, and a desire to provide the leadership for all of Rome and her people. But as time went on, the number of good men dwindled in comparison to that of the politicians. And eventually, after peaking as power of the world, Rome began its descent, eventually crumbling. Rome remained physically, but the idea that is Rome, and what made her truly great could only be heard in faint whispers.

Many centuries later, well after the fall of Rome, the American Colonies rebirthed themselves from British control to become The United States of America, a new and sovereign nation unto itself. Freedom to operate under their own authority, to accept responsibility directly for themselves, instead of from some King 3000 miles away, was the main objective. For all the complications that society, much less a new society, bears, the former colonies now had the opportunity to start fresh. A central government was started for minimist purposes of national defense and foreign policy was created, however most power was conferred to each state to attend to its own need as they saw fit.

Like Rome, and the Greek States before them, The United States placed its representative power with the people. For the people to elect leaders from amongst its own populace, they could all be assured a voice in the process which would make America a great and desirable society. Some of these representatives were mere politicians, seeking to either maintain or expand their power, but in the beginning, Statesmen were the order of the day. Seeing to the construction of a new country, with the Constitution as its base, America held great promise for all who lived there, as well as those who should wish to join the American experiment from lands abroad.

One can argue the politics throughout the decades and centuries of our existence as a country, but one thing I do not think can be argued: America has spent her history becoming less and less free. We still have the opportunities to go from a nobody to a wealthy somebody. We still have the opportunity to travel across this great land of ours without restriction, and put down our roots where we see fit. But something has changed since the days of our forefathers. Lawmakers in Congress have increasingly found themselves justifying their positions. Law after law becomes enacted. Some with pure intention, others with more restrictive malicious intentions. We have enacted laws that are redundant to each other many times over, with selective enforcement. We have enacted laws that merely serve to provide more of the citizens' money to governmental purposes, with no real value to be seen, other than satisfy one group's opinion on how the rest of society should act.

To be sure we have enacted more laws than scenarios requiring them than could even possibly exist, at least in my mind.

Everyone has their own version of their America. For some it is the simple desire to live in their house, earn their own living and to be left alone. For others, it is to see that all Americans are taken care of, be it with healthcare, or for more mundane services we take for granted, like satisfactory water and sewage processing systems, or access to education, housing, food, or whatever one's needs might be.

For me, I blend my personal rights with community needs. I wish to live where I want to, and the choice to determine how I make my money. I believe that the harder I work, the more I should be rewarded. I should not be punished for my productive values. I believe in helping those around me that are in need, by my own volition, not by government mandate. I find local, more personal options to seeing my neighbors do well enough as a good thing. For if my neighbors do well, surely so will I. All that contribute to a better society around them, should share int he rewards such harmony may bring. All those who choose to harm it, shall keep the consequences for themselves. I believe in some regulation, but only enough to keep us from harming each other, and it must be applied equally to all parties.

For being the most free country on Earth, it often seems that in other lands as mentioned by Scott, practice what we call a more socialized government operation (despite having less far reaching regulations over every little thing), that the people there are more free than we are here in America.

I know the world is not black and white, and our ideas of perfection will most likely never be attained, and/or they may change as we grow through experience. I know that in my heart, I am an idealist of sorts, which will aways leave me wanting. But what we live in today, is not the America is was taught to believe in as I grew up.

Wednesday, March 18, 2009

Government and/or Insurance Companies Directly Driving Costs Of Healthcare UP?!?!

Below is an interview done by Glenn Beck from his show on Tuesday, March 17, 2009
It really is an interesting case. Is it the case just there in New York, everywhere, limited places, or where? I'd be rather interested in who is behind the decision of the State of New York to say how the doctor operates his private practice when it comes to how he charges his fees for his work. Is it just the state being power hungry, or maybe an insurance lobbyist who saw what was ging on and made the push to keep the insurance industry from losing some of its relevance, power, and all that GLORIOUS MONEY? Read below, and let me know what you think!




GLENN: When it comes to healthcare, do they want to fix the problem? Dr. Muney is a doctor here in the New York area. John Muney is his name. You are originally from Turkey, aren't you, Doctor?


DR. MUNEY: Yes, I'm from Turkey.


GLENN: How long have you lived here in the United States?


DR. MUNEY: Since 1975.


GLENN: Since 1975, you've been a doctor here since 1975?


DR. MUNEY: Yes.


GLENN: And you have a regular practice, and it's a thriving practice.


DR. MUNEY: Yes.


GLENN: How many patients do you have?


DR. MUNEY: Well, in our practice now we have about 7,000 to 8,000 patients.


GLENN: Okay, 7,000 to 8,000 patients, and you decided that there's too much waste, it cost too much money, just in your overhead. Tell me a little about the frustration of being a doctor in America today.


DR. MUNEY: Well, the system, it's the wrong system. That's what we have here. It really is mostly to paperwork, waste, bureaucracy, fraud, abuse and that's why we're paying about 50% increase in our healthcare premiums.


GLENN: Say that again. What do you mean we're paying 50% in healthcare premiums?


DR. MUNEY: I mean, the system, the way it's set up, it lends itself to abuse, waste, bureaucracy. And if we were paying $2.4 trillion in healthcare, I think $1.2 trillion is waste. It can be reduced. It can be eliminated.


GLENN: And how is that?


DR. MUNEY: Well, I mean, you know, the way the system's set up, the patient/doctor relationship is broken. People are trying to make as much as possible the way -- for example, the doctors are seeing the patients as a cash cow now, some of them. So they try to do as much, as many tests as possible, as many surgeries as possible. The hospital bills are enormous. $100,000, $200,000, $300,000 bills are common now. And this goes on and on.


GLENN: Okay. How come they can do this?


DR. MUNEY: Well, the regulations, the system itself allows them to do it.


GLENN: In what way? The insurance companies because it's a third party payor?


DR. MUNEY: The insurance company, it's a third party system and, you know, they are trying to do some job but because of the -- it takes certain amount of money to run the system and plus, the patients come to you, they say, "Doc, I have this insurance, do as many tests as possible." And the doctor said, "Well, okay, I'll do it because I'm getting paid. And the hospital does the same thing. And the cost keeps escalating.


GLENN: So in other words, this is -- and I've had this happen a million times. The doctor will say, "Does your insurance cover X, Y, and Z?" You'll say no. Then they will sit there and think for about 30 seconds and they will say, okay, we'll use this instead. That's where the waste comes in. They don't have to do some of the things that they --


DR. MUNEY: No, they don't have to.


GLENN: And would you include some of that waste in the paperwork, you know, to guard against litigation, et cetera, et cetera, and the insurance for the doctors on litigation?


DR. MUNEY: Oh, definitely, there's no question about it. I think in my estimation is the cost of our practice to our healthcare system's about 10% minimum.


GLENN: Okay. So you're talking now about 60% of what we all pay for healthcare is between waste and guarding against litigation?


DR. MUNEY: That's true. I strongly believe it. I believe that we can reduce our healthcare costs by 2/3 easily.


GLENN: Okay. Now so you know, America, I'm just talking -- this is just one man's opinion. He's just a doctor here in New York.


DR. MUNEY: Yes.


GLENN: But he got sick of it and he decided that he was going to charge all of his patients $79. You weren't going to take any more healthcare, you weren't going to do -- no insurance. Just $79 every month and you can go see him -- you can go -- your patients can come see you as many times in that month as they needed.


DR. MUNEY: That's true. They can come, for $79 there's unlimited preventive checkups and includes the bloodwork, sonogram, x-ray, whatever they need at that time.


GLENN: And if somebody gets sick and they need to see you five times in a month, they only would have paid you $79 and there was no, there was no office pay or anything like that. It was just $79 and you can come as many times as you want.


DR. MUNEY: Yes, that's true. As long as they are coming for preventive checkups, yes.


GLENN: What does that mean?


DR. MUNEY: Well, my original idea was to charge $79 flat rate every month for unlimited visits but unfortunately the state stepped in saying that if I do this, I'm doing insurance business.


GLENN: Okay.


DR. MUNEY: So they --


GLENN: Wait, wait, wait, wait, wait, wait. But what I want to go to originally is you said anything for $79 a month, they could see you for anything. That was your original idea?


DR. MUNEY: That was my original idea.


GLENN: Then the state came in and said, "No, that makes you an insurance company and so you can't do that."


DR. MUNEY: That's true.


GLENN: And then the state sent you a letter saying that you couldn't do that.


DR. MUNEY: Yes.


GLENN: And then you came on my program.


DR. MUNEY: Yes.


GLENN: And then they said, "Okay, you can do that; however, you can't charge the $79, it can only be for preventative medicine."


DR. MUNEY: Yes.


GLENN: A checkup, which kind of defeats the purpose. And then you also have to charge them, what is it, $33?


DR. MUNEY: Yes, $33 for sick visit only. If they come in for sick visits, I must charge them $33 because, to cover my overhead costs. That's the law.


DR. MUNEY: Why -- yeah, I know. It's convenient, isn't it?


DR. MUNEY: Yes.


GLENN: How does that help people getting healthcare, who don't have healthcare, how is that helping to have $79 for preventative and if you get sick, you can also pay $33 when the doctor himself says "I don't need to charge the $33"?


DR. MUNEY: That's true.


GLENN: How is that helping?


DR. MUNEY: I mean, it really makes it more difficult for us to charge $33 because then it will increase or administrative costs as well. But I think $79 will cover my costs. That's what I believe, and I wanted to do this but unfortunately in order for me to salvage the program, I still believe it's a good deal, no question about it in my mind. But I had to agree to some kind of compromise.


GLENN: Okay. Have you asked them if, that let's say you go to a restaurant and it's all you can eat for $9.99 if that $9.99 is an insurance program? Have you asked them if that $9.99 for an all you can eat, if you also wanted dessert if they would have to charge an extra $33 for dessert if that would be fair? Have you asked them how do they explain gym membership?


DR. MUNEY: Lawyers, retainers fees, it works on the same principle.


GLENN: What is their response to that?


DR. MUNEY: Well, I haven't -- I never talked face to face with them. We've been only communicating through letters, and my lawyer has contacted them several times and so this is a compromise we chose. I'm hoping that hopefully some legislator will sponsor a bill to change the law and take the primary care out of the insurance business.


GLENN: You know, Texas, South Carolina.


DR. MUNEY: Washington. Washington, the primary care is not under insurance law. They can do it and they are doing it.


GLENN: And is it working out fine for them?


DR. MUNEY: Yes, exactly. I communicated with a couple of doctors from Washington State.


GLENN: Be careful when they get all this stimulus money. I wonder what kind of strings are attached in that. Dr. Muney, I appreciate you very much, sir.


DR. MUNEY: All right. Bye-bye.


GLENN: This is why -- just don't believe them when they say, oh, we're just trying to help out. No, they're not. No, they're not. They're looking for their own power. That's all they're looking for. When they say that they're against giving bonuses to the AIG executives, ask them, do they have a contract? Yes. Is it valid? Yes. In your bailout did you not say that all contracts signed before this date are valid and must be withheld -- must be upheld? Yes. Did you guys in congress write that law? Yes. So it's a valid contract? Yes. You said that if it was signed before a certain date that it was valid? Yes. It would be honored? Yes. You don't believe we can break the union contracts, right? Of course not, no. But this contract with AIG that makes you popular to fight, you can break that one? Yes. So that's like we enforce the law sometimes on the border and sometimes we don't. That means that sometimes this drug law we need to go ahead and enforce but sometimes we don't. That means that sometimes you'll pay a tax penalty if you don't pay your taxes and sometimes you'll be made secretary of the treasury? Yes. Okay, I just want to make sure I understand the rules, which basically means there are no rules... unless you're important or powerful, which is weird because I think that's the way communist Russia used to work. But call me crazy.