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Rethinking Health Care

The Editor's Column
Posted by Trace on 2008/9/7 16:21:13 (1584 reads)

In the summer of 1991, Working for someone else was something that no longer appealed to me. So I decided to go to work for myself. Assembling a great business plan and with great enthusiasm I hit the road looking for investors.

One of my first investor stop was a man who had made his fortune by providing MRI {Magnetic resonance imaging}. His company had cornered the New England market for this niche. And since my company was of a medical nature I was sure his company and my start up company would be a very good match. The big day arrived as we talked our conversation came to price for my service. He told me he was concern because my pricing structure was much less than other companies that provided the same service. In fact my price was thirty three percent less than any of my competitors. It is all in the plan down to the dime. Nothing left to chance. He looked me right in the eye and said: Know why I get eight hundred dollars for twenty minutes in one of my machines. Because I can that’s why. Government keeps people out of this line of business. Government is a valuable tool to use in any lucrative medical business. Government lets me keep my prices high by keeping competition out of my market area. It was that day I realize government was the reason health care was and continues to spiral out of control.

The problems;
Health care just cost too much.
Health care for all is something that must happen.
To many people think that health care is something government should just give them.
But, at what price?

Barack Obama, “We now face an opportunity- and a obligation- to turn the page on the failed politics of yesterday‘s health care debates… My plan begins by covering every American. I f you already have health insurance, the only thing that will change for you is the amount of money you will spend on premiums. That will be less. If you are one of the 45 million Americans who don’t have health insurance, you will have it after this plan becomes law. No one will be turned away because of preexisting condition or illness.” Excerpt from Speech in Iowa City, IA, May 29, 2007

John McCain, The Value of credit -- 2,500 dollars for individuals, 5,000 dollars for families - would also, be enhanced by greater competition this reform would help create among insurance companies. Million of Americans would be making their own health-care choices again. Insurance companies could no longer take your business for granted, offering narrow plans with escalating costs. It would help change the whole dynamic of the current system, putting individuals and families back in charge, and forcing companies to respond with better service and lower cost. Excerpt from Speech at University of Florida April 29, 2008

Reading both positions thoroughly on there web sites I realize neither candidate has any real clue on how to solve this mess. Yes, both have a good general grasp of the problem. But, neither really say how they will really fix it or more importantly haw they will come up with the money to pay for it. Taxing the rich always sounds great but not very realistic.

47 million and growing Americans now lack health-care insurance. Without coverage, they often delay seeing a doctor. And as a result, people whose problems might have been easy to treat early on end up instead in the hospital -- at a huge cost to everyone.

Health-care costs in this country have risen from 5% of national productivity 50 years ago to 16% now, and it's just going to get worse as baby boomers hit retirement age over the next few years. To put it in terms your wallet can understand, the average American family of four now faces health-care costs -- including insurance -- of $14,500 a year. That's about a third of median household income. Employers are increasingly unwilling to eat the bill. General Motors says that it already has about $1,400 in medical costs priced into every vehicle. And most families can't do it on their own. In just 25 years, federal spending for Social Security, Medicare and Medicaid (which was originally designed for the poor but increasingly also supports long-term care for the elderly) will about equal what we now spend on the entire federal government. Paying for those programs, without reform, will take tax increases of nearly 10 percent of gross domestic product -- the equivalent of payroll taxes of 30 to 35 percent. Social Security today is the chief topic of conversation, but it's no secret that health care costs for the elderly will increase much more than retirement payments and much more quickly.

The trick; have mandatory health insurance for all, with subsidies for low-income citizens, while making the system more efficient. The first step is to:

1.) Value based Competition;

Vigorous competition is needed to improve worth for customers, or the quality of products or services relative to their price. It leads to persistent improvements in efficiency. Product quality and customer service improve. Innovation propels advances in the state of the art. Quality adjusted prices fall, and the market expands and more customer needs are met. Choice expands as firms work to distinguish their products or services from others. Excellent firms prosper while firms with low quality, poor service, or high costs decline or go out of business unless they make fundamental improvements in the way they operate. This is what value based competition looks like, but it is a far cry from what we see today in health care.

Health care competition must be transformed to a value-based competition on results. This is the best way, and the only way, to drive sustained improvements in quality and efficiency. The experience in numerous other industries tells us that this transformation is possible. It also tells us that there can be stunning progress when the right kind of competition is unleashed.

2.) Medical savings Accounts

Medical savings accounts are the one reform proposal designed precisely to counter the fundamental cost- control problem. They restore direct incentives to consumers to control costs, which stimulates true market cost-control competition.

The experience of private companies currently using Medical savings accounts type approaches to reducing health care costs proves that Medical savings accounts can control rapidly rising health costs, while preserving both quality and patient choice. By enacting federal MSA legislation, Congress would establish a fully comprehensive cost-control system that would restrain costs without imposing rationing by either the government or insurance bureaucracies.

Economists from across the political spectrum understand that one of the major factors driving health care costs is our third-party payment system that insulates consumers from the cost of their health care decisions. Medical savings accounts are the one health care reform proposal designed precisely to counter that fundamental cost-control problem. They restore direct incentives to consumers to control costs and stimulate true market cost-control competition. Medical savings accounts are far more than a theory. Despite the heavy discrimination against them in the current income tax code, employers and workers across the country have already begun establishing and using Medical savings accounts in place of traditional third-party insurance.

Among the companies currently using Medical savings accounts type insurance plans are Golden Rule Insurance Company, Dominion Resources, Forbes magazine, Quaker Oats. Just to name a few. As well dozens of small businesses across the country have also started using Medical savings accounts. In all those companies, Medical savings accounts have proven highly effective at controlling costs, as well as highly popular among workers.

3.) Health Debit Cards

Health care debit cards will be one of the easiest ways for individuals to pay for qualified medical expenses from their Medical savings accounts. By using health care debit cards, the number of receipts and claim forms one must fill out in order to be reimbursed is significantly reduced. Instead, money from the account is used to pay for expenses right at the point of purchase. In addition to tax benefits offered to both employers and employees by Medical savings accounts, one of the major appeals of such plans is the control they give to individuals over their health care. Medical savings accounts are used to pay for expenses not covered under most traditional health care plans. This includes everyday purchases like over-the-counter medications, co-pays, and eyeglasses. Of course, the typical reimbursement process of most health plans can hinder the convenience offered. This is where health care debit cards can help.

The Second Step ;

Now that the problem has been addressed. And the solutions have been found. How do we pay for such a massive undertaking as Health care for all? Make health care the right of every American. I believe I have the answer to do all this. After the election I will be publishing my book early next year called - “Bobble Head Politics “ The answer to How to pay for Health Care for all. Is a chapter in this book.

Don Tracey

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Lewisville Citizens Meet to Discuss Gas Drilling

Oil and Gas
Posted by WhosPlayin on 2008/9/7 16:20:00 (4049 reads)

Saturday night, upwards of 225 residents of Lewisville packed the First Christian Church sanctuary to talk about the possibility of Barnett Shale gas drilling within the city, and what it will mean to mineral owners and neighborhoods. The meeting was organized by the Central Park Area Neighbors Association (CPANA), formed specifically to deal with drilling offers in Lewisville.

Some residents in various neighborhoods in Southern Lewisville have been offered signing bonuses of $2,500 per acre or $500 per household, plus a 20% net royalty on the gas. The company making the offers, Cherokee Horn Production, LP. claims that in spite of $30,000 an acre offers in nearby cities and 26.5% gross royalties, that the offer in Lewisville is fair because of the risk of drilling into a dry hole or hitting the Muenster Arch formation that marks the Northeastern end of the Barnett Shale.

The major thrust of the meeting was to convince mineral rights owners not to sign with Cherokee Horn, but instead to shut them out and join forces to seek a better deal with an actual drilling company. Cherokee Horn has never drilled a well in Texas, according to public records searches. The plan is that if the neighborhood drives the negotiations, then we can negotiate for important environmental concessions, as well as more reasonable compensation for the minerals.

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4 Non Blondes and Blind Melon

Zen by Jen
Posted by mamask8z on 2008/9/6 15:07:27 (916 reads)

Two of my fav songs. Hope you enjoy.

Moral: Scream when you need to.
4 Non Blondes - "What's Up?"

Moral: Bee different. Relish your difference.
Blind Melon - "No Rain"

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Lewisville Proposes Changes to Drilling Ordinance

Oil and Gas
Posted by WhosPlayin on 2008/9/5 20:00:00 (1448 reads)

On the agenda for the Sept 8th Lewisville City Council meeting is the following item:

17. Consideration of an Ordinance Amending the Lewisville City Code, Article XVIII, Sections 7-601 Through 7-619 Regulating the Drilling and Production of Oil and Gas Wells Within the City of Lewisville by Providing Additional Landscaping, Requiring Additional Setbacks, Changing Certain Fees, and Other Related Matters.

In April 2006, Council adopted an ordinance that provided specific guidelines and requirements related to the drilling and production of oil and gas wells within the City. Staff recommends the current ordinance be amended. The amendment will include modifications to the landscaping requirements, changes to the hours of operations from 7am to 10pm to 7am to 7pm; increase of well setback limits from a minimum of 400 feet to 500 feet; adjustment to the application fee from $2,500 to $10,000; and eliminating the pit type system for containment of water and byproducts in favor of a closed loop containment system.

That the City Council approve the ordinance amending the Lewisville City Code Article XVIII Sections 7-601 through 7-619 regulating the drilling and production of oil and gas wells within the City.

My Thoughts:
I would absolutely support these changes.

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Burning Water, Leaking Pipelines

Oil and Gas
Posted by WhosPlayin on 2008/9/5 16:20:00 (797 reads)

Courtesy of Txsharon, have a look at this Fox 4 News report on One man's battle with a legacy of deadly pollution from drilling activity.

Where is the Railroad Commission in all this? Trying to look busy, I guess.

They need to find the executives of the companies who made this mess, and hog tie them to a post out on this ranch with nothing to drink but well water until their companies bail them out by fixing the damn problems.

Hopefully NOT coming soon to a neighborhood near you. If I ever sign a mineral rights contract, it's gonna have a "you broke it, you bought it" clause.

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I shot a couple of kids, one accidentally.

Posted by WhosPlayin on 2008/9/5 11:49:14 (1026 reads)

I was sitting across from the high school yesterday in my squad car, finishing a report when a got a call about a shooting in progress in the school. The suspect was described as a teen-aged black male, wearing a grey sweatshirt and jeans. First on the scene, I went in with my weapon drawn, trying to locate the shooter. Hallway after hallway were filled with bodies of students with gunshot wounds, lying in pools of their own blood.

Eventually, I quietly came around the corner of a small classroom where I saw the shooter with his back to me, brandishing his handgun at a handful of students, standing in a semi-circle on the opposite side of the room.

With my H&K automatic, I took aim, but it had been years since I practiced with a handgun, and he was in front of several students who I didn't want to accidentally hit. I stepped back behind the door frame for a second to take cover and re-evaluate. Still unaware of my presence, the shooter turned left and moved in front of a gap between the students that was only about 3 feet wide at the most, with maybe 20 feet between me and him. I sent up a little prayer, then took the shot. As he jerked around, I took another shot, but as he fell, I noticed that there had been a girl behind him, now visible to me as he fell. My heart sank and my adrenyline surged. Officer Pedigo was behind me and yelled "What the hell was that? Why didn't you shoot him the first instant you saw him? What if those were your kids? He could have killed them all!"

As I realized I was shaking, my only thought was "what if that was my kid behind him on that first opportunity to shoot?". As we checked the wounds, we found that I had shot the perpetrator in the right shoulder, and the girl in the left elbow.

The scenario, of course, was a simulation in the tactical simulator of the Lewisville Police Department. My H&K was modified to shoot only a harmless laser beam at a video screen on the wall in front of me. I was never in any danger. But the adrenyline was real. I'm not the kind of person who plays video games.

Last night was my first night in the Lewisville Citizens Police Academy. It sure was a good demonstration of the amount of expectations we put on our police officers. I look forward to the rest of the class.

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Got a sore ass?

Links, Thoughts, and Open Thread
Posted by WhosPlayin on 2008/9/2 18:49:47 (721 reads)

Ha! Just sitting here watching coverage of the Republican Convention on MSNBC and guess what commercial comes on: Preparation H. I wasn't even paying attention until Mamask8z started laughing...

It will be interesting to see what other commercials come on.

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Thoughts on the Sarah Palin Choice

Links, Thoughts, and Open Thread
Posted by WhosPlayin on 2008/9/2 14:46:27 (660 reads)

I've been short on time as of late, but hoping to have something meaningful to add on the Sarah Palin choice discussion.

As you know, on Friday John McCain announced his choice for his Vice-Presidential running mate: Alaska Governor Sarah Palin. Most of the day, I was puzzled about that choice, and honestly, I sort of still am. I halfway expect that this is some sort of Rovian trick, where they float this name, get the Democrats to attack, then announce at the convention that they've changed their minds.

So, anyway the blogs and emails have been flying over the weekend, with literally hundreds having found their way into my email inbox. As you may have heard, there is some discussion in the media about Palin's teen-aged daughter being unmarried and pregnant.

I want you to know, for the record, that I've not seen a single email from the Democratic side going after the daughter, or making any kind of moral judgement on her. I think it's pretty much a given that this kind of thing just happens. News flash: TEENS HAVE SEX. This just in: Unmarried young women get pregnant!

While I think most reasonable folks would agree that teen unwed pregnancy is an incredible burden to be avoided if possible, I think we can all appreciate that this young lady has an exceptional and loving family to help her out. Her life may get derailed for a few years, but she'll make out okay.

For many young women, especially in Texas, with the highest teen pregnancy rate in the nation, things are quite a bit tougher. Because of this basic truth, all sides can agree that we all need to work on ways of reducing teen pregnancy. Unfortunately, some folks - Sarah Palin among them, think that instruction on contraception is tantamount to giving teens permission to fool around. It's a theory that is just not supported by the facts here in reality-land.

So because of that, many folks have a certain schadenfreude with regard to Mrs. Palin's situation, having to face up close and personal, the results of unrealistic expectations on a teen daughter.

But honestly, none of that has a bearing on what kind of vice president she would make. It's more along the lines of "nana nana booboo", and "I told you so."

Palin seems from all outward appearances to be an fairly intelligent woman who has sought the spotlight of being a "big fish in a small pond". And she has a little bit of executive experience at the municipal and state levels.

But I'm just not impressed. Alaska is a different place. They receive a lot more federal money than what they pay in. So it's easy for their politicians to go begging to Washington, and end up with plenty of budget without the tough choices involved with raising their own tax revenue.

Palin's city of Wasilla is purported to have some 6000 residents. That's about equivalent to one precinct in Lewisville, TX. And though I joked a good bit about supporting whichever Democrat would pick me for their VP choice, I really wouldn't have thought that being a precinct chair would qualify me.

The State of Alaska is said to have about 600,000 residents. That is a smaller number than a lot of U.S. cities, and definitely smaller than the 26th Congressional District and most Texas Senatorial Districts.

But, assume for the moment that having a few years of executive experience at the local and state levels did give one useful experience for assuming the Presidency - which she would be a heartbeat away from doing, if John McCain were elected, that's only a small part of what is required.

From my point of view, the Executive needs 5 main characteristics: Vision, Connections, Experience, Knowledge, and Judgement. Well, one out of 5 ain't bad... Who am I kidding, that is bad. Lets talk about some of these characteristics:

Vision - This is the strong sense of what our nation can become after policies are implemented, and they work as desired. Barack Obama has been very good at articulating a vision of a country in which the government works for its people. Neither McCain, nor Palin, nor anyone on the Republican side has articulated a vision. Rather they've demonized Democrats and every other perceived enemy, painting an unrealistic picture of what might happen if "they" get control.

I suppose if Republicans wanted to paint a vision based on the policies they support, like getting rid of taxes for the wealthy, and shrinking government, they would have to envision hyper-inflation and runaway government debt, and a falling dollar, widespread poverty, corporations getting away with grand larceny. I suppose an alternate but incompatible vision would have a big government that lets corporate thieves run scot free, but employs morality police to visit bedrooms all over the country and enforce a Talibanic style Christian theocracy.

Connections - A president has to be able to draw upon their vast network of colleagues for talent in staffing a new administration. Both John McCain and Barack Obama will do just fine with this, based on McCain's years in the Senate, and Biden's years in the Senate - and to a lesser extent Obama's rolodex. Since Palin was fairly unknown to many Republicans before Friday, I'd have to guess that she brings very little to the table in this regard.

Experience - Having experience in life, as well as in Washington or as an executive in government are all good things, but none of it alone is enough to prepare someone for the toughest job in the world. The mechanics of how to run the executive are by now nearly incomprehensible to a single person, after 230 years of tradition and Congressional mandates, and treaties. Being able to handle a tough schedule day after day without cracking has got to count for a lot more here than having a job title. McCain, Obama, and Biden have all proven they can pretty much handle it because each of them has run a tough campaign. Palin is a mother of 5, and that counts for a lot.

Knowledge - Knowing the workings of Washington, even as messed up as they are, is an asset. A couple of weeks ago, Palin dismissed a question about her as a VP choice by asking just "what is it that a vice president does every day?".

Judgement - This encompasses all sorts of things. To me, it's not just being right or wrong on certain issues, but also the way in which you approach an issue in trying to understand it and judge it.

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Next Neighborhood Meeting on Gas Drilling - Sept 6th

Oil and Gas
Posted by mamask8z on 2008/8/31 17:50:00 (1204 reads)

We have another meeting scheduled to discuss gas drilling in the Central Park area neighborhoods of Lewisville.

When: Saturday, September 6th at 6:00 PM
Where: First Christian Church
880 Fox Avenue
Lewisville, TX (Behind Lakeland, Elementary)
Why: Learn more about how to protect our neighborhoods and get a better deal. If you have been to either of the previous meetings, we'll be covering the same topics, but with a few new details.
Who: Anyone who lives near either of the drill sites in Lewisville.
Agenda: Coming Soon
More Information:

Map to meeting:

View Larger Map

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ONLINE AUCTION: Breast Cancer 3-Day Fundraiser

Get Involved! - Rise to Your Higher Self
Posted by mamask8z on 2008/8/31 17:01:16 (826 reads)

Bodum Coffee Service

Bodum coffee set. Includes decanter, creamer, sugar cup, 4 coffee cups, stirrers, measuring scoop and a cork coaster for each. New and never used.

Opening bid: $15.00
Auction closes: 8:00pm CDT, Thursday, September 4, 2008

Local bids only (DFW area). Items will be delivered to winner.
Remember to bid by choosing this post's "comment". If you have any questions about the item, please send those to me at jcs (at) whosplayin (dot) com

All proceeds benefit Susan G. Komen for the Cure. Thank you and happy bidding.

In an effort to help team Cruisin' Caddys raise $6,600 for their Breast Cancer 3-Day walk, whosplayin (dot) com is sponsoring an online auction. Bidding on items will be done by commenting on the item's blog posting. Please register with whosplayin (dot) com to ensure that your bid will be automatically posted and not have to be approved. If you choose not to register and still want to bid on an item, your bid or "comment" will have to be approved by an administrator.

How do I bid on an item?
1. Register with Whosplayin (dot) com
2. Log into your account so that your bid will be recognized as yours
3. Post your bid on the item by "commenting" on the item's blog post (remember to answer the super easy question before clicking "post")
4. If you win the item, you will be contacted via email and directed to the 3-day website to complete the transaction via credit card. Cash or check payment will be received at the time of delivery.

If you have any questions, please email jcs (at) whosplayin (dot) com

Please help us make this a great fundraiser!

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