Unlimited cost of care under the ACA health insurance policies?

In The Des Moines Regiser’s report about Wellmark getting out of the health insurance market for individual policies under the Affordable Care Act (ACA), they reported, “Forsythe (CEO of Wellmark) cited a single Wellmark customer who has a rare genetic disease that is costing more than $1 million per month to treat.” One person – A million dollars a month.  (See link to article below.)
One of the fatal provision of the ACA is the requirement that there be no limit in health insurance policies on how much can be paid for any individual’s care. No limit. Should we really expect others (society) to pay a million dollars a month for the care of ourselves or our family members? If you help to pay that much for someone else, then won’t you expect the same to be paid for you if you have the need? How can that be sustainable? Who gets to makes decisions regarding who we pay for and who we don’t? Unfortunate as it may be, it is a reality of life that we cannot afford, even as a society, to pay for everything we want. To the extent that those decisions, including limits on health insurance policies, can be made privately and voluntarily, we will have a more just, civil, and sustainable society.

Medicare fraud and over-utilization

The Register recently criticized our fee-for-service health care payment system for causing over-utilization and for driving up health care costs.  (2/12/2015 – “Florida, home of medical scans — and scams” – see link below)  They gave examples of doctors ordering unnecessary test because they get paid more for every additional service that they provide.  They advocated paying physicians a salary like Mayo Clinic does, so that doctors, “…have no personal, financial incentive to provide unneeded care.”  They urged the Obama administration to, “…continue to work toward reimbursing providers based on quality instead of quantity while fairly reimbursing them.”  I agree with the Register that, “Ultimately, reducing the overuse and misuse of health care falls to patients.”  They urge patients to not rush to the doctor for every ache, ask questions when doctors order tests, resist clinic staff who want to schedule tests and procedures.

One thing the Register failed to mention is the importance of patients being required to pay out-of-pocket for some portion of their health care costs.   To the extent that patients are not required to pay for some portion of their costs, they will not question the recommendations of doctors and other providers and they will tend to over-utilize health care.  Requiring patients to make some out-of-pocket payment will also help reduce fraud, since patients won’t want to pay part of any fraudulent charges that billed to their insurance.  Many insurance policies under Obamacare do seem to have significant deductibles and co-payments.  That will go a long way to help keep down health care costs.

Link to Register article: http://www.desmoinesregister.com/story/opinion/2015/02/12/florida-home-medical-scans-scams/23278965/

Hobby Lobby decision correct.

A Supreme Court ruling today (6/30/2014) upheld our fundamental right to use our own private property in accordance with our own moral beliefs.  The ruling gives priority to natural religious and private property rights over the politically created guarantee that private business owners will provide employees with a health insurance benefit that covers certain birth control pills.

The owners of Hobby Lobby objected to the Obama Care legal requirement that they provide their employees with an insurance benefit that covered morning after “abortion” pills.  The law was in direct conflict with their sincerely held, honest and peaceful religious beliefs.  Hobby Lobby has never used force or fraud to get people to either work for or patronize their business.

Governments are the only organizations that can legally use force against peaceful people.  We created our government to use force, if necessary, to protect our fundamental right to life, liberty, property, and the pursuit of happiness.  Government force should not be used to make peaceful people act against their own religious beliefs – no matter how good the cause or the intentions.

By the way, I am a peaceful, honest, pro-choice, atheist, libertarian.

Naturopathic medicine doesn’t need government help

Contrary to the letter to the Register on 5/28/2013 by Michelle Anderson, “Iowans should have access to naturopathic docs”, we already have open access to naturopathic doctors and medicines.  What we don’t have and don’t need is for our government to license practitioners and then require that their services be covered by insurance.  Individuals are not calling for licensure in the interest of public safety.  Practitioners are calling for licensure in order to have their products and services be a required service under Obamacare.  Unfortunately, as long as our government continues to use its power to force insurance companies to cover politically favored medical products and services, there will be many special interests, such as naturopathic doctors and pharmacists, who will try to get on the government gravy train.