President Obama is having a difficult enough time sticking to his campaign promises without Congress getting in his way. Yet here you have the odd experience of seeing fellow Democrats block his closing of Guantanamo because (gasp) some of the prisoners might be sent to the US. We want them sent, apparently, to OTHER COUNTRIES. I guess the citizens of those other countries aren’t as important as us Americans.
Reality check: these suspected terrorists aren’t being released into our public parks. They would be sent to prison,prisons that are strong enough to contain serial murderers and attempted presidential assassins, as well as convicted domestic terrorists like Timothy Mc Veigh. Then, in a transparent public process, they would undergo a fair trial to determine if they are innocent or guilty of specific crimes. This is how justice supposedly works in a democracy.
Unlike amorphous problems like the economic crisis and health care, which have many causes and many potential solutions, the closing of Guantanamo is straightforward. You either believe in constitutional rights and the process of law or you don’t. One would hope the constitutional law professor we’ve installed as President knows the difference.
Back to the amorphous problem of health care. I see the health care industry is now pledging to save tons of money. They could start by cutting down on all the ridiculous paperwork. Going to the doctor now requires several pieces of paper before you even get in the examining room. You need to sign the same privacy form you’ve signed zillions of times before (couldn’t they keep ONE in your record). They need a copy of your insurance card (again, couldn’t a copy be kept on file?) Then the constant updates of information, when you could easily supply this type of info (change of address, new medical problem) yourself when applicable. AFter your doctor’s visit, more paper arrives. There’s the statement that is “not a bill”. So what is it? something to clog up your desk? There’s the bill from the doctor sent before they hear from the insurance company. There’s the statement from the insurance company when they finally process your bill. If you have any kind of lab tests, they are billed separately. My son had a vision test as part of his pediatric checkup–by the same nurse, right there in the same office. It was billed separately.
Then consider that the bills themselves are incomprehensible. There is an amount billed. Then there is an allowed amount. When you get, say, your car serviced it costs a fixed amount. There’s not one amount the shop charges you and a smaller “allowed amount” determined by some bureaucrat. Doctors should charge a fixed amount that is covered at the fixed percentage allowed by your insurance plan. Let’s say the doctor charges $100 for an office visit and your insurance covers 80%. Your bill is $20, plain and simple. And why issue these statements ever single time you see a doctor? Why not send quarterly statements, detailing your expenses, the amount covered, and the amount owed? Obviously to the insurance companies, complication and confusion operates to their advantage–I’m sure a lot of inaccurate charges slip by because people do not understand statements that look like a tax return (another exercise in obfuscation).
Lastly (for today) , let medical personnel determine how often a procedure needs to be done. They are far from perfect in their judgement, but at least they have the expertise. For instance, my dental insurance covers a replacement crown for a tooth every five years. What if your crown doesn’t last five years? Are you supposed to suffer, maybe develop a tooth abscess requiring more expensive care? My vision coverage covers one checkup every two years despite the fact that my opthamologist specifically requests that I have a yearly checkup due to my cataracts.
I could go on all day, but I have other things to do, so stay tuned for my next post on this subject.