The coinage 'rationing' as applies to helping people with basic needs for survival especially during war or natural calamities, has the same semantics but not on food stuff and the like. Healthcare Rationing is associated with the insurance companies or health insurers, Government and individuals with a view to saving money. But all these three categories differ in the way they ration on health. Profit theme is there in both individuals and health insurers but this element a null in the Government rationing.
The basic thing attached to health care rationing ethic is based on the need of the people and the willingness of the Government that the ones who are unable to self support in their health care, are taken care of by the Government. And if there is no need of rationing by the Government the moral obligation can not be brought under scrutiny and dabbed the question of legitimacy. Its ethic lies on its moral acceptance. Or else the entire concept of rationing could be unethical.
Should or should not be aged citizens provided rationing was a question some decades ago. However now looking at the swelling number of aged ones it came to stay that there is justification in providing health care to them. At present 12% of the global population is 65 years or older. If one looks at he/she would find that the fastest growing age group is 80 and above. If compared to the others this particular segment tends to require more expensive as well as intensive medical care. At this juncture there could arise questions as to how far the aged based heath care would be viable.
Canada and Britain claim to have better health care system. The way Canada controls its costs on rationed health care is quite specific. The Government earmarks a tentative budget for a particular financial year and that way health care rationing is run by the Government basically. What Canada does to ration is to punt on elective surgery to a lower priority level. But some feel that Canada has least concern on rationed health care.
American president Barak Obama has an extensive scheme for rationing health care in the USA. Liberal expert Mr. Daschle holds that America need to ration new technology and drugs. He is not so happy with the prevailing technology and is al praise for the United Kingdom's 'National Institute for Health and Clinical Excellence'. This rationing system in the UK controls Government cost. NICE has a name for better treatment of complicated disease but the bureaucrats do not accept them to be cost effective.
The Oregon health Plan was welcomed by all when it came to existence. Expectations were there that it would ration medical care explicitly. To execute the plan the OHP federally established the poverty line and decided to Medicaid accordingly. Oregon system of rationing is based on cost benefit analysis. The negative thing as pointed out by the expert in the Oregon system is that its explicit priority setting could lead to inflation of the basic health care package.
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The care we received here in the U.S. is not among the best in the world. So why do we insist on calling this attempt by the government in recent takeover of our health care system a "Health Care Reform." In fact, what is the reform? Well, most dictionary definitions are as follows: "To switch to a better state, form, etc, to improve by alteration, substitution, deletion, etc."
Health care here in the U.S., as just said, is undoubtedly one of the best in the world and this is easily identified by simply examining the number of people from countries where health care is not government controlled, and flees United States to receive better, more complete. and more flexible health care or treatment that would otherwise have access to their countries of origin. These include Canada and European countries where socialized medicine is the norm.
So while the talk can be about health care reform, we believe that what the debate should be about health care reform is cost of care. Furthermore, to insinuate that the insurance companies is the only culprit of rising health care costs is simply absurd. Insurance is expensive because health costs are soaring out of control. Insurance companies make the payments, and in many cases they receive the discounts, because their combined purchasing power.
Therefore, if we focus our discussions on health costs, where the discussion should focus right, then you should consider and fully realize why costs are increasing, and doing so at a rate that exceeds inflation or income growth.
A major reason for these health costs is an increasing number of doctors to pay ridiculous prices for their malpractice insurance required. Many want to blame insurance companies for high prices. However, prior to persist in this line of thought, would do well to consider the law, and the frequency with which physicians are sued in the courts with demands without meaningful or frivolous. More importantly, with these frivilous lawsuits comes a high price for his defense.
Defense costs for lawsuits are borne by insurance companies that provide medical malpractice insurance. Many people believe in the need for legal reform or tort, so does the author of this article believe in this need. Many people truly believe that tort reform would significantly reduce the costs of medical malpractice insurance, as well as general medical expenses.
Let us open up legal action against any attorney who brings to light a frivolous lawsuit, and then we will see real and legitimate claims made in the courts, while frivilous suits and claims are EMOPS claims against and counter suits . If so, then the number of cases that would significantly reduce the cost of insurance and malpractice is likely to plummet, as well as health care costs were reduced these frivilous suits.
For a moment, let's take a look at an example of this comes into play. Not long ago a man was in an accident. While reaching down to remove a stick near your lawn mower lost two fingers to the blade. He received many (almost 30) calls urging legal professionals to sue doctors for the loss of fingers. The funny thing is, doctors and the hospital did everything possible to save the fingers of his own stupidity. However, even after re-attachment were unable to help or save your fingers. Still, even if the case is completely frivolous, the legal profession is encouraged to sue doctors and the hospital for not keeping their fingers. It is absolutely crazy, I know, the man was my father.
When such suits are initiated insurance companies have to hire or pay their lawyers to defend doctors in these lawsuits, and the endless cycle continues perpituity legal tricks. Lawyers have trapped us in victory in any situation. Physicians to sue them and make frivolous lawsuits, then the claim that people have a right to present these demands in order to protect themselves. Certainly no one would say that people have these rights, and should actually do, but only in real cases. No cases filed just to get money, and discussed with an expert paid, paid witnesses, paid medical examination, and sometimes those applicants who are simply lying.
Cases of so many frivolous lawsuits frequently, the legal profession has become an important factor contributing to the rates of malpractice insurance exceptionally high that doctors have to pay. Thirty years ago, if I wanted to see my doctor, he appeared in my house and charged a fair price to me. Now I can not see him or her having previously uninsured. It is absurd.
So we say, let's start the reform of medical expenses with a good dose of tort reform. Let the action of the lawyers who file frivolous lawsuits, let tort reform that doctors can sue the lawyers for any lawsuit that the attorney file is lost and where the doctor was found to have committed no crime or negligence. Certainly if the lawsuit filed discredit the doctor or put through unnecessary legal actions, then start the lawyer is accountable. Let's start there and see how these frivolous lawsuits fall drastically.
As for the next aspect of the rising costs of health care, the problem comes when the public and / or certain organizations that assist the public, abuse of the system. You may ask, how does this happen? Let's look at real life example of this. Sleep apnea is a sleep disorder characterized by pauses in breathing during sleep. Each episode, called apnea, lasts long enough for one or more breaths are lost, and these episodes occur several times during sleep. The standard definition of any cases of apnea includes a minimum interval of 10 seconds between breaths, with either a neurological activation (a change of three seconds or more in the EEG frequency), an oxygen saturation in the blood of 3 - 4% or higher, or both arousal and desaturation. Sleep apnea is diagnosed with a sleep test called overnight polysomnogram, or sleep study. "This condition can cause high blood pressure, heart problems and conditions, and in extreme cases even death.
Treatments include the use of a mask conencted to a machine (called CPAP), which blows air through the nose or nose and mouth thereby maintaining an open airway and the elimination of the apnea. The CPAP machine, mask, and accessories can cost a few hundred dollars to a couple thousand dollars. When one is diagnosed with sleep apnea and prescribed a CPAP, one of the insurance may cover the cost of the machine and accessories. However, in many cases insurance companies are forced to overpay for these devices significanlty for its insured persons. The reason is that many of the vendors also sell this equipment to Medicare or Medicaid. In doing so, they charge the maximum allowed for a machine for such programs. However, program rules are that if they sell to Medicare or Medicaid patients at a given price, then they are not allowed to sell at a lower price to others, otherwise they risk losing their ability to provide Medicare or Medicaid.
This author has sleep apnea and found a machine from a supplier at a price of $ 400. But the insurance company pay for the machine only be prescribed if delivered by a company of home health care. Because home health care company also provided for Medicare and Medicaid patients, they could not sell the machine to me or my insurance company at a fair price, they delivered the machine for me, but at the cost of my insurance company $ 1,200, the same as they charge their Medicare or Medicaid patients. So my insurance company, because of the regulations, legislation and government intervention in private health care, was forced to pay 200% more for my CPAP machine, which could have or should have paid otherwise. This is an abuse of the system by firms that provide services to Medicare and Medicaid, which is not high cost of insurance, medical cost is high, and not the fault of anything other than abuse and government intervention system in private healthcare. It is waste, it is cheating, and hurts all of us in the form of higher medical costs and insurance. The abuse, fraud, and waste is the problem that needs to be addressed, not the insurance or care.
Then we will examine and understand health insurance in general. Insurance is not intended to pay all medical bills all the time. If we all agree on that, then at least we can start understanding this part of the problem. Sure, it is sold and used correctly, is for catastrophic illness or medical accident, not for every little health problem arises. As auto insurance is for when you have a car accident, not to pay for gasoline, oil changes, brake repair, faulty lights, muffler problems, etc. ..
So too is the health insurance in areas such as cancer, heart attacks, strokes, broken bones, cut the sickness, emergencies, surgery, etc. .. is essentially the same as car insurance or home insurance owners. The intention is to be there when you have a major medical problems. It is not intended to cover each visit, the cold, cutting, scraping, shot, vaccines, drugs, or the skins that you can find in life. If you claim all that then it is better to wait that cost a lot. So why pay $ 75 per month in premiums for an extra $ 1,000 in coverage of the visit. Why pay $ 500 more a year to reduce Perscriptions co-payment from $ 25 to $ 10 or $ 15. Just pay the $ 75 or $ 100 charge for the visit and just take its discount prescription and pay for their own recipes in a good discount (often 50% or more). You may not be in the doctor's office 10 times or more a year anyway and it is likely the number of prescription drugs, you need not offset the $ 500 extra you pay for coverage. If you have a problem and are in the doctor's office 10 times or more per year or if you have a bunch of expensive prescriptions, then it is likely that other issues more important than your insurance will cover. Just make sure the most important things, after all, these are what insurance was originally designed for and protect against.
Finally, we must all understand that the health care insurance or self-care is not a right, a privilege of those who work hard and acquire medical care or health insurance for themselves and their families. The fact that you work hard, educate yourself, have a great paying job or run your own business, and you can afford to drive a Corvette, does not mean someone else should have or get a corvette for the government or in car any matter at the expense of another person (for example, the taxpaying public.)
The same is true of health care. A corvette is not a right, nowhere in our constitution does it say that we have the right to life liberty and a Corvette. Nor does it mention that we have the right to life, liberty and the government offered a health insurance coverage or government. These are privileges that we won through hard work.
Probably we all agree to establish or help those who can not care for themselves, for example those who are physically or mentally disabled persons with otherwise, and that simply can not fend for themselves, even as we may agree society to address those who defend our freedoms and fight for us in the war (eg, military veterans), or even our elders, to some extent. Certainly, on a scale smaller states or local communities may decide to implement programs for these people or situations, but not everyone agrees that health care is a right that should be given to all and that force should be funded federal level by those who work hard.
Also we do not all agree that those who work hard or earning more should give to all others through a government-run and established programs. This is simply absurd and not what America is, or what they have done is great. In fact, it has taken or taxing those who work hard and earn more to give to others who may not stolen. It is similar to Robin Hood, robbing the rich to give to the poor. It is if justified by creating crises or people playing in the emotions or pain points.
Frankly, many people do not believe that government involvement in health care would be beneficial for individuals, health professionals, the relationships between them, or the quality and quantity of appropriate care that patients receive. The fact is, there is absolutely no government program is underway, or has ever been, which has been in the budget, reduce costs, and compels us to trust the government to implement or manage such a large portion of our economy and private life as health care.
Many if not most Americans believe that government has no place in our health system. Many Americans recognize that government intervention will lead to rationing or procedures and care, increased taxes, potentially any cost savings, while leading us down a path toward socialism. Without a doubt will lead to bigger government and bigger which is exactly what our founding fathers wanted to avoid.
In conclusion, this health disaster is not only a direct infringement of liberties by an increasingly large and growing government. This in itself is dangerous. The elite love to pass on their seats in Congress for their children and have special privileges, special insurance and medical care, and the force "we the people" in reliance on the government from cradle to grave, and programs administered by the government. We urge you, do not let people. This is exactly what our founding fathers feared a large and growing government. It is the reason why the United States fought for its independence to overthrow the dictatorial regime of England, the high taxation without representation, and mad policies of King George at the time of succession.
We are approaching the same kind of situation we face when America declared its independence from the King of England. Administration of Obama and radical leftist politicians are about to incite the masses really here in the United States. Beware! You are about to awaken the sleeping giant in the form of the American people and their values. Freedom is a powerful virtue that people do not take lightly. When you start to violate the usurpation of liberties and freedoms people are activated. So we are seeing tea parties, marches, and the masses begin to rebel. As soon as people recognize that some politicians are trying to undermine their freedom or take away from them, will fight to the death to save him.
Health reform may lead down a path toward revolution and not in a good way!