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Edited on Thu Aug-13-09 04:12 PM by haele
Is that you appear to be very lucky, very cloistered, and even though you may be a democrat, you are pretty much following the "civil talking points" that the CATO and Heritage Foundation members are pushing to their upper middle class followers. You're almost word for word following the format my FIL's Orange County Republican (TM) fifth wife uses in her commentary on Social Security and Medicare, especially when she gets back from her church foundation work or from the social events she organizes for the "less fortunate". She also voted for Ron Paul. No clue as to what government actually is supposed to do, she thinks government is a business....
Look, I can give out my bona-fides, too. I'm a long-time Democrat, 50, retired military (reserves, so I don't see anything for another 10 years), with a 100% disabled husband and a teenager, in a high COL location (due to my job) with an annual household income of around $50K after taxes. I pay 5% of my salary into a 401K, I am maxed out on a $5K per year medical pre-tax FSA and I have a pretty decent company medical benefit that I pay $480 a month for premiums on the three of us. I'm going through menopause, so my medical requirements now include cancer screening. Our family medical costs - copays, procedures, prescriptions, and life-saving equipment after the $5K FSA ran out are now sitting at just under $10K out of pocket. I expect that if there are no emergencies, I'll end up with around, oh, $15K out of pocket this year just on medical bills. And due to the disabilities, that pretty much is going to be the way our family finances will be until I can apply for the government-run TriCare for Life in 10 years that I am entitled to as a military retiree. That makes it, what - an average 20% of my income goes to medical on an annual basis, through no fault of my own or my family's. You also don't seem to know how much of the health care business is taking the money you are giving them to protect your families and spending it on Viagra Ads, bonuses for company officers, PR, sales, lobbying, and lawyer firms - and junkets for the high-end "stakeholders". It is estimated that only 80cents on every dollar paid to a private for-profit health care product actually goes to health care. 20% of every dollar my family spends through my plan goes to administration, legal, marketing and profit. When I get on TriCare, only 3% of every dollar I'm going to be spending through my plan will be going to administration and marketing. TriCare, because it's a government plan, is not supposed to make a profit. It's supposed to break even. And it does, even though privatization of some of it's function has increased costs instead of decreasing them, because that middleman is now in the system.
You say your wife just had a baby. How much did that cost you? Were you like me when it happened, did you start feeling your age creeping up on you while you stayed up for weeks without sleep wondering how your spouse is going to recover from critical life-saving surgery - as well as still having to go to work and take care of the household? Did you fear you might lose the job that enabled you to be lucky enough to have a comfortable salary and comprehensive health care as you've gotten nearer to "retirement age"? ('cause it's hard to get a job that pays more than a cashier or bus driver when you're over 45 in this market) Do you clue one as to why medical issues can cut the ability for an otherwise good, hard productive worker to be able to support their families? Health care is critical when you need it. It's easy to say "I'm going to make sure the government doesn't have to care for me because I've got bootstraps" - but damn, that's naive. And I know that for a fact: My 68yo FIL and his wife pull down over $250K between them a year with investments and retirement. If they didn't have TriCare and a Medicare supplemental to dramatically cut their costs, they would spend pretty much 3/4 of their annual income in medical costs if they had to pay for it strictly through "private insurance", what with her blood issues and his relatively minor cancer issues. That's if they can get a decent plan that will cover them other than TriCare or Medicare. Of course, Loretta still clings to the idea that it was "bootstraps" that got them were they were, rather than luck, and opportunity and networking provided by the government programs (FIL was a retired Air Force Colonel who got his Master's through the military) My 72yo retired Dad recently had two emergency heart surgeries, with post-surgical therapies and follow-ups; he's got Medicare and it costs him around $7K a year because he's got good retirement income rather than living on Social Security. When he turned 65, he checked - because of his pre-existing conditions and age, private insurance wouldn't touch him for under $25K in premiums/deductibles a year - and they still won't cover half of the procedures he needs to survive that Medicare provides. Talk about death panels - $25K is more than half the annual income of my parents - without Medicare, they would have had to have sold their house - and Dad still might have died 6 years ago because private insurance would have considered it a profit risk to keep him insured.
The Chicago School of Economics Conservatives have claimed that Social Security was going insolvent since it began. First projection - insolvent by 1948, because of all those old folks that were pulling from the program when it first got started. That was because when Social Security began, we were in a depression, and there were more people - the elderly, widows, children, and the disabled - that qualified and were collecting it than there were people working. At that time - and up through the 70's the Military did not pay Social Security. So all those WWII draftees did not pay into the system. Nor did, at that time, people who were living off rents, remittances, investments, farms - unless you were an employer or employee, you didn't pay into Social Security. In the early 80's Reagan claimed it would go insolvent by the late 90's, which is why the age for the elderly to qualify was bumped up to 67 - the first time. Now, it's, what, - 2070's, and the age is bumped to 68? That we're going to have to start dipping into principle around 2045? Actually, only real problem with Social Security, and by extension, Medicare, started when the massive surplus of funds that were collecting compounded interest began to be pulled in a scheme to "balance the budget" when paying for executive office projects such as, oh, Oil Development projects, Iran-Contra, or "Star Wars" or other pro-monopolistic business programs that didn't go through Congress. You do realize that surplus was supposed to be what keeps the program going in the lean times; even if the amount of workers paying into the system decreases while beneficiaries increased, it is expected that due to historical example, medical costs would decrease as innovation increases. Fair Practices regulation would allow the system to compensate for the costs any implementation of new, improved medical technology to come down after the initial bump due to the engineering and patents costs.
Now...as answered by several posters above, from everything official I've heard and read Obama has encouraged public option, but not Single Payer. The few times he's mentioned Single Payer when he was discussing the various options in the bill, and my understanding of what I've heard from him in speeches is that he was describing the only way he would accept Single Payer is if it followed specific guidelines. And his criteria is such that Single Payer, the way it runs in Canada or Great Britain, would not be acceptable to him. Not because of "the long lines" or anything like that, but because frankly, he doesn't like turning over the applecart, and doesn't want to put a corporate target on his chest. Which is a pity, because, frankly, Single Payer such as they have in Canada or Great Britain are really quite good for working people and small and medium sized businesses - and to increase jobs. It's not good for Health "Care" corporations that are caught up in the shareholder's trap of Wall Street, but since they're the ones that support campaigns, they have to be pandered to.
Again - Public Option is not Single Payer.
As for your final comments - about what you think government should do, have you read the preamble for the constitution where it outlays the responsibility of government? Accessibility to health care is "promoting the general welfare" - just as much as roads, providing the post, common currency, military, education, judicial/regulatory systems, commerce... The government isn't supposed to be a business. The government is "We the People". And since we are a democratic republic with representative government instead of feudal system, we have the freedom to move within our society and be protected from those who would prey on us, instead of being forced to live our lives under some wealthy family's whim. Businesses are supposed to stand and fall on their own merits. They are not individuals, no matter what that Judicial Clerk snuck into a Supreme Court comment on the corporate rights vs. personal rights. If you are injured, or otherwise be unlucky (lose your job, get scammed by a Ponzi schemer), is it better for you, your family, and your community that you not end up selling everything until you're homeless and starving, when you have to resort to foraging to survive? I believe it's a strong tradition in Christian circles that when there are problems, to support an individual, an accepting community should be involved - be it outright charity, be it providing an opportunity to support the individual through his or her travails, be it simply kind words.
Good luck with your family, and I hope you never have to go through what so many others in your situation find themselves going through. All it takes is one illness, one accident...
And there's a lot of money being spent out there - at least 1.4 Million a day by a coalition of "Health Care Lobbiests" in this case - to try and convince people that haven't had to face financial ruin through no fault of their own that they would be better off not trusting the government, which is "by the people, for the people", but trusting entities that live and die by a profit margin and have no concept of the individual other than as something to make mo' money from.
Y'know It's easy for a well dressed guy or gal claiming to have "pulled himself up by his bootstraps" to scam you into thinking that you can do that "if you just try hard enough" - and, of course, keep the status quo that allows them to sell you a load of cheap toxic waste labled as fillet mignion with impunity. And if you can keep their noses so far into the grindstone that they can't see where they're going by allowing money to be legally viewed the same as "free speech", it's even easier.
Too many people don't understand that Mammon dresses up as "King Christ" to get his way in the world...and there is a really good financial reason that those who have leadership roles in American Society have replaced the saying "The Love of Money is the Root of Evil" with "Greed is Good" since the Reagan era.
Haele
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