Three Myths About Private Health Insurance Companies in America

There is a prevailing false belief that many Americans love their private health insurance and they have choice of doctors, get quality healthcare at affordable prices. Wrong! As a practicing neurosurgeon for 23 years, I can tell you, it can’t be farther from the truth.

First some facts!

The United States of America spends the highest amount of money in the world for healthcare; $3.5 trillion annually. That’s $10,224 per capita and more than $40,000 for a family of four. Whereas Organization for Economic Cooperation and Development (OECD) countries, committed to democracy and the market economy, average $5280 while also providing better universal healthcare with longer life spans.  USA has no universal healthcare, instead it has 30 million uninsured and 60 million underinsured citizens. 

Sadly, the number one reason for personal bankruptcy in America is medical illness in a family. One million Americans will go bankrupt each year, in spite of 70% of them having health insurance. 

The fundamental philosophical difference between USA and other western developed nations is that the later countries treat healthcare as a human right while America treats it as profit-oriented business with little or no government oversight. As a result, there are no price controls and many vendors charge exorbitant prices and get away with it as long as possibly allowed. 

One of the primary causes for unaffordable healthcare costs is that many sectors of healthcare delivery in America have unnecessary middlemen. Even worse, the middlemen have middlemen, the most important of them is health insurance companies themselves and their agents recruiting enrollees. This is the reason insurance premiums do not come down, instead they keep going up because they have to account for the administrative, publicity, marketing costs and profits, even in so called not-for-profit companies like BCBS. Some sectors even have 4-5 layers of middleman distributors as seen in medical device distributors. Additionally, there are Pharmacy Benefit Manager middlemen who profit from commission from the manufacturers as well as retailers. 

Then there are special interest lobbyists that wield undue control over healthcare legislation by influencing the lawmakers through financial contributions. On example being PhRMA (Pharmaceutical Manufacturer and Research Association) attempting to forbid Medicare bargaining for discounts on drugs when President George W. Bush signed the Medicare Prescription Drug, Improvement, and Modernization Act into law in 2003. Medicare, the largest insurance company in the world with 50 million enrollees, is the only company forbidden from bargaining in spite of its economy of scale.  

Now, let’s talk about the myths of private insurance companies.

The Myth of Choice of Doctors:

The only citizens that have some choice of doctors in private insurance companies are the ones who have master medical or platinum plans, but they are a minority. The majority may have PPO plans, which are allowed to have some choice among the in-network doctors but leave no choice in the lesser plans. The insurance company will dictate which doctor you can see and some doctors may not even accept those lesser plans.

The Myth of Quality Healthcare:

Good luck with quality healthcare if you have lower tier health plans. First of all, the essential benefits may not be covered if one is enrolled in cheap plans. Secondly, even those will be either denied or delayed through the grueling and frustrating authorization process and denials. Meanwhile, the patient is suffering and his or her medical condition is getting worse. Simple necessary diagnostics and interventions will not be performed in timely fashion endangering the health and well-being of the enrollee. I see this in my practice, where an MRI or physical therapy is not approved for neck or back pain. As a result, many patients resort to narcotics for longer period of pain relief, become less functional, go on sick leave and may even become prescription pill addicts. That’s not quality healthcare!

The Myth of Affordable Premiums:

In my 23 years of practice, I have not come across a single patient that said, “I love my affordable private insurance.” On the other hand, it is routine for me to hear patients complaining they cannot afford their premiums, deductibles or co-pays. They are foregoing their health issues from getting diagnosed and treated in a timely and appropriate manner. I do not recall hearing the premiums coming down in recent years. In fact, many private insurance companies have pulled out of exchanges, leaving many uninsured or forcing them to choose even more expensive plans. Also, these companies are pushing much of the costs onto the enrollees or their employers, who in turn transfer them to the employees. As a result, the deductibles, co-pays and co-insurance costs keep going up in relation to inflation and normal cost of living, so do the premiums and the billions of profits of these companies and their CEOs.

Beware of Trump and his Republican politicians that want to repeal and replace Obamacare and some of its benefits. When they do that, the insurance companies will underinsure by providing skimpy plans with less essential benefits for more expensive premiums. There will not be free preventive healthcare. Children may not be able to continue on their parents’ plans till they are 26 years old. There will be a ceiling on how much care will be covered forcing many more to go bankrupt if there is a catastrophic medical illness in the family. Worst of all they will use the excuse of pre-existing conditions denying insurance outright, increasing the number of uninsured in the country by many more millions.

That will be, to quote Trump, “SAD, VERY SAD!”.

American Healthcare: A Sad and Nightmarish Experience

A couple of days ago my healthcare documentary, “SCREWED by the Greedy Business of Healthcare in America,” had a screening at Wealthy Theatre in Grand Rapids, MI. Before the screening, a lady from the area was introduced who shared a moving personal story regarding her nightmarish experience with American healthcare. 

The ordeal started when she underwent treatment for cancer. Unfortunately, she developed heart failure from chemotherapy induced cardiomyopathy. She could not continue to work, and the treatments exhausted her savings. She was still suffering from heart failure. She qualified for Medicaid, but all of her treatments weren’t covered. The doctors gave a grim prognosis unless she had a heart transplant. They told her it would be difficult and almost impossible for her to receive, or to even get on the list for, a transplant.  She was informed her situation was hopeless, but she refused to give up. She fought to be placed on the transplant list. In October of last year, she was sent a letter from the heart transplant board at the local hospital stating she was not qualified for placement on the transplant list because she does not have enough prescription drug coverage.  In November, she received another letter informing her that, unless she has $10,000 funds available for prescription drugs, she would still be not eligible to be on the list. Fortunately, she was able to raise that money through crowd funding. She is currently waiting for a call telling her the right heart is available for transplant. 

Sadly, in America her story is not unique. In fact, such nightmares are more than common.  Thousands, if not millions, of citizens go bankrupt from a medical illness suffered by themselves or their family members, which is the number one reason for personal bankruptcy in this country. A million Americans will go bankrupt this year from medical related costs. Ironically, 70% of those will have private health insurance but will not be protected. It is a shame that millions of citizens, in the most powerful and one of the richest countries in the world with the largest economy, have to crowd fund or go bankrupt for healthcare. It is even of a worse shame that 30,000 of the 30 million uninsured Americans die every year due to lack of timely healthcare. 

The experiment of unnecessary middle man private health insurance companies in America that charge unaffordable premiums, deductibles and co-pays has failed to provide affordable, quality healthcare to all its citizens. Not to the CEOs of those companies, though. They have succeeded in amassing millions, at the expense of financial hardship of the enrollees of their companies. It is time for America not to be the only industrialized nation that does not guarantee quality affordable healthcare as a human right and to join all the others that provide such universal healthcare. 

There are a few options, single payer or otherwise, to achieve universal healthcare but Medicare for All is the simplest and the best of them all. It is a publicly funded but privately delivered option that offers more choice of doctors, hospitals and comprehensive benefits that are affordable too.

Medicare for All is even likely to reduce healthcare costs for all Americans in future.

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Bernie Sanders and Alexandria Ocasio-Cortez’s Democratic Socialism vs. Trump’s Crony Capitalism!

Believe it or not, I sat through President Trump’s entire 2019 State of the Union address! Nothing unexpected from his reading of the speech off the teleprompter, but one part of the speech caught my attention. He proclaimed, “Tonight we renew our resolve that America will never be a socialist country.” I wonder if he truly understands the word socialism, especially democratic socialism. I doubt it. 

Trump is not a man of philosophical or ideological convictions. He’s not the kind of guy who seeks knowledge or is interested in reading or understanding anything other than business deals that personally benefit him; whether legal or illegal, ethical or unethical, proper or shady. I do believe, though, that he has personal and political reasons to bash socialism. After all he has benefited enormously from the crony capitalism pervasive in the American economic and political system since he was very young. But first I need to explain what crony capitalism and democratic socialism mean, in case you are wondering.

Tastes Like Crony CapitalismCrony capitalism is a term describing an economy in which success in business depends on close relationships between business people and government officials. It may be exhibited by favoritism in the distribution of legal permits, government grants, special tax breaks, or other forms of state interventionism.”

On the other hand, “social democracy, now often referred to as democratic socialism, in which extensive state regulation, with limited state ownership, has been employed by democratically elected governments (as in Sweden and Denmark) in the belief that it produces a fair distribution of income without impairing economic growth.”

The key difference between the two socioeconomic and political philosophies involves the robust state regulation and oversight in social democracy and lack there of in crony capitalism. Notice that Socialism is a system wherein political representatives are “democratically elected” to ensure “fair distribution of income” to citizens.  Such systems require extensive state regulation but “limited state ownership.” Whereas favorable state interventionism beneficial to businesses, achieved through close relationships with corrupt politicians euphemistically called “lobbying” in America, permits and is essential for crony capitalism to flourish. It is not hard to see why Trump is a beneficiary and hence a strong proponent of crony capitalism and is profoundly averse to democratic socialism. He simply hates government oversight.

Many who knew Trump well claim that he showed affection for crooked business practices before he became a president and has been a poster boy for crony capitalism after occupying the White House. Apparently, according to Trump, he borrowed a mere one million dollars from his father to start his real estate business but the truth may be that the loan was more than just a million. An extensive report in The New York Times, however, concludes that he inherited over $400 million from his father’s real estate fortune by engaging in “suspect tax schemes”. Then there were the suspect businesses of Trump University and Trump Foundation, which had to be folded recently due to possible illegal practices. 

The billion dollar question though is:  did Trump and his children (as well as his son-in-law) engage in illegal or unethical (or both kinds) of business practices to build their real estate empires? Can that be the reason why he bucked tradition and didn’t reveal his taxes before the presidential election, and continues to fight to keep them from becoming public? The more serious issue is whether money was laundered into his businesses from shady foreign sources. Many are wondering if that could be the reason why he has been inexplicably very friendly with Putin, Russian oligarchs and the Saudi royal family well before – and during – his presidency.  Various committees in the Democratic Party-controlled House of Representatives are launching hearings to determine the underlying reasons for Trump’s cozy relationships with these undemocratic foreign nations.

Trump has been a shameless champion of not only crony capitalism but also nepotism. He gave enormous powers to his daughter Ivanka Trump and Jared Kushner, his son-in-law, in spite of Jared not getting FBI security clearance. Ivanka wields enormous influence on him and rubs shoulders with leaders of many nations even though she has no political experience whatsoever. I am not sure what their qualifications for such position and power are. Nepotism appears to be the one obvious explanations I can think of.  At the same time, both his daughter and son-in-law may share the same questionable business values and practices as Trump, and may value the necessity of keeping any shady deals in the dark.  

Ethical and moral business practices, being a responsible citizen, paying due taxes and contributing to the society from which he benefits are not values Trump bothers about. He bragged that he contributed to the politicians from both parties who write the laws – laws which may be immoral or unethical, but are legal and beneficial for businessmen like himself.  This is a characteristic of crony capitalism that allowed him to personally amass considerable fortune. And it helps explain why he appears to be committed to amplifying and perpetuating crony capitalism while demonizing democratic socialism. The unfortunate fact is, he has the power and the bully pulpit to do both in his role as the president of USA.

Trump campaigned and won the presidency promising that he was going to drain the swamp in Washington, DC. He also said he would promote legislation that would benefit the middle class.  In reality, he has come far from fulfilling either campaign promise. In fact he and his cabinet could never identify with the lives of middle class Americans and are possibly the “swampiest” ever in American history. He chose billionaires as his cabinet members: Treasury Secretary Steven Mnuchin, Education Secretary Betsy Devos and Commerce Secretary Wilbur Ross, all of whom may also have benefited from crony capitalism. When Dr. Tom Price, his Health and Human Services Secretary had to be fired for ethical reasons, Trump hired ex-pharmaceutical industry lobbyist Alex Azar to replace Dr. Price. Mr. Azar, by the way, earned millions lobbying for greedy PHARMA.  No wonder Trump and other Republican politicians rammed new tax legislation through Congress that gives billions worth of tax breaks for real estate moguls like himself and to corporations.  These tax breaks to the wealthy and to corporations have had the consequence of increasing the national debt by around 1.8 trillion dollars.  Meanwhile, this tax legislation package gives mere crumbs to the hard working middle class.  This is a classic case of crony capitalism, and it is anathema in democratic socialism. 

There are many political reasons for Trump to start negative and false propaganda against socialism, and try to shift the national conversation to condemn democratic socialism.  Trump’s presidency and his leadership are becoming unpopular. Coupled with the popularity of Bernie Sanders (a Democratic Socialist) and the recent shellacking of Republican House Representatives by young, energetic (many female if I might add), progressive democrats like Alexandria Ocasio-Cortez may be perceived by Trump as a warning of potential danger. Trump may also be thinking about the possibility that these new legislators could move  the national political discourse towards what is considered by many from the right as support for democratic socialism. His businesses and personal finances as well as foreign policies toward Russia, Turkey and Saudi Arabia are coming under increasing and intensified scrutiny by the new Democratic-chaired committees in the House of Representatives. His bid for reelection could be in peril. It is understandable why, during the recent State of the Union address, he launched a preemptive strike against what he believes are the winds of socialism blowing in America. Watch out for this to be his incessant theme for the upcoming reelection campaign.

During the 2016 campaign, Trump was very effective in whipping up hatred and fear about Mexican rapists, MS13, and other violent, illegal immigrants from Central America. Was there a dose of white nationalism also? You decide for yourself! The 2020 presidential campaign strategy is more likely going to involve fear mongering about America becoming a socialist country. He is ignoring the fact that we already institute a few highly popular social programs:  Social Security and Medicare, for example. I have a feeling that he wants to make socialists and democratic socialism the dirtiest words in America during the next campaign. I won’t be surprised if Trump took aim soon at the rising popularity of Alexandria Ocasio-Cortez (AOC), a representative with progressive ideology who is not ashamed to be labelled a Democratic Socialist. The statement that America will never be a socialist country may be a subtle dog whistle to die hard Trump supporters! He may also be thinking it can be a winning campaign slogan. Trump really knows the pulse of a significant population of Republicans, who he is counting on to reelect him in 2020. When it comes to touching a sensitive nerve and eliciting an emotional, deep visceral hateful reaction among his followers, Trump is a genius!

Many of Trump’s loyalists, right wing talking heads and other conservative pundits on FOX News are quick to jump the gun and they have already started the propaganda to label the progressive, democratic, and  socially beneficial safety net policies, “Socialist”! Many go even further and equate democratic socialism to communism. I can guarantee they don’t know the fundamental difference between the two political philosophies. It is not hard to find out. All they have to do is just “google it.”  In case they don’t want to, let me help.

In “communism there is societal and communal ownership and governance of the means of production, (no private ownership) and the eventual establishment of a classless society.” (Merriam-Webster Dictionary)

Unlike democratic socialism, communism does not allow individual ownership, which is a surefire killer of many citizens’ interest for innovation or hard work in the long run. 

That’s precisely what happened in Russia and China when those countries tried communist political philosophy. There was initial empowerment in both countries immediately after their respective revolutions, but communism failed in the long run because Karl Marx’s communist doctrine underestimated the power of the self-interest of people, and their desire for ownership and accumulation of personal wealth. On the other hand capitalism generally succeeds because it allows for self interest and rewards hard work. Hence, we see the recent transition of both those countries to market economies, but parts of the communist political structure and methods of governance still persist.

While communism is on one end of the socioeconomic spectrum, greedy capitalism is on the other end  – with an enormous gap in between. Unregulated capitalism becomes a social problem when it becomes predominantly profit oriented, at any cost or means, resulting in worsening inequality and poverty, as is currently happening in America. The inequality is not as profound in Scandinavian countries which respect and follow the principles of democratic socialism. Scandinavians still follow reasonable capitalism that rewards hard work and private ownership but governments there monitor and regulate any unfair or unethical means of accumulation of wealth. Hence the gap between the haves and have nots is not nearly as wide in those countries as it is in America. Additionally the citizens of these countries are consistently the highest among all the nations of the world in reporting happy lives. Trump and his posse never mention that fact but are quick to point to what’s happening in Venezuela, as he did in his State of the Union speech. They say that America will “become Venezuela” if socialist ideas and policies are allowed. 

Venezuela is not a true democratic socialist country. The primary source of revenue in Venezuela comes from the oil industry, which is owned by the state. Venezuela had problems due to volatile oil prices, mismanagement by the state, and resistance by the wealthy elite class against socialist government. The covert and overt American intervention in that country’s domestic affairs, probably due to oil interests, didn’t help the country any either. In fact it fueled the fire of unrest and turmoil, pushing millions into poverty and causing many to flee Venezuela. Relying on the military became essential for President Nicolas Maduro to survive, which unfortunately curtails freedom, making matters even worse. The situation in the democratic socialist countries is far from that of Venezuela; there is no comparison.

Trump also asserted during the State of the Union that, “America was founded on liberty and freedom, and not government coercion, domination and control. We are born free and we will stay free.” I think this statement is a dog whistle for his ardent supporters. The true democratic socialist countries do not curtail freedom. I have been to Denmark, Holland and Sweden. I have personally talked to people there. They have freedom, choices and also get a much better bang for their buck as far as their taxes are concerned. An average middle class citizen pays 30% taxes and gets quality healthcare and education up to and including university for their children. I pay more than that in federal taxes and get zero healthcare and education benefits for my family as an American citizen. It doesn’t matter whether you call it socialism or something else, why is that not a better system than greedy crony capitalism?!? The citizens of those countries also enjoy a robust social safety net if they get sick or become unemployed. While employed, they have lengthy paid time off for pregnancy and parenting as well as support for child care. They even have significantly more vacation time for rest and relaxation than American employees. Their productivity is not compromised and is comparable to that of America. Scandinavians are also conscious of and working to remediate the destruction being caused by climate change. Citizens of those nations believe in and embrace policies promoting renewable energies. To them protecting our blue planet, the only one that we know of that gives and sustains life, is more important than greed and amassing unimaginable personal wealth. In contrast, it appears that many American businesses prefer unregulated greed and profit that trumps (no pun intended) the concern for the well-being of Mother Earth. 

Self proclaimed Democratic Socialists like Alexandria Ocasio Cortez and Bernie Sanders take global warming seriously and want to do something about it. AOC’s Green New Deal is a start. Instead of acknowledging the climate crisis and working with them, Trump attacks those policies and doubles down on democratic socialism. I wish, while in Helsinki, instead of having a secret meeting with Putin, Trump had a chance to meet the citizens of Finland and get a sense of their lives and how they feel about their democratic socialism. He might have gotten enlightened –  but then I wouldn’t bet on it. This is Trump we are talking about. He could care less about rule of law, or democracy, or social equality. His goal is personal enrichment. He will shamelessly ignore or dismantle any societal oversight or laws that are in the way. He is undermining the justice and intelligence institutions considered to be the foundational pillars of American democracy. He may be really concerned about any incriminating truth that may come about in the Mueller investigation. The plethora of ongoing and potential future litigations as well as congressional committee investigations against him (and many of his business and campaign associates) must be causing him nightmares. This might also be behind the fear and loathing Trump exhibits toward government regulations, as evidenced by his unparalleled slashing of regulations that protect workers, ensure clean air and water and preserve the pristine forests and state parks – all in the name of economic prosperity. 

One of the founding fathers, John Adams, understood why we need state/government regulation. He said, “If men were angels there is no need for government.” He recognized the selfish nature of men, and how, if left to their own devices, societies will devolve into predatory jungle law. The consequence of lack of government, he predicted, will be selfishness of the rich and powerful triumphing over justice and fairness for the vulnerable and the helpless. Unfortunately we see that in the current state of affairs in America – where already inadequate government oversight is being systematically eroded further; thanks to Trump who doesn’t know when to say enough is enough! There is a reason why the founding fathers crafted a constitution that distributes power among co-equal branches of the Congress, the Supreme Court and the Presidency. 

They must have envisioned people like Trump who need to be kept in check through necessary, adequate, and effective governmental oversight. I hope the Supreme Court would judiciously limit Trump’s overreach. If not, nepotism and unregulated greedy crony capitalism will thrive and exacerbate social inequality. Unfortunately, with a bench that is made up of a conservative majority, I am not sure if that will happen. 

Do we have a better alternative?

Looks like there may be one, and that is:  electing to congress more senators like Bernie Sanders and house representatives like Alexandria Occasion Cortez to rein in Trump and his Republican accomplices who are taking the country down a dangerous path. The Republicans  beat their chests with patriotic fervor but are not doing much to protect the country from what almost amounts to cyber warfare attacking our democracy They talk about the rule of law but give a pass to Trump who breeches it. They say they are the guardians against presidential and government overreach, but have been derelict in their duty. Time and again they profess family values, but their allegiance to Trump undermines that. Most importantly, they say they are fiscally conservative, but irresponsible tax cuts and unnecessary wars are ballooning the national debt. I guess the Republicans are in reality sham patriots, with opportunistic morality, Frankenstein foreign policies and flexible family values. Their phony fiscal conservatism and predilection for crony capitalism will drive many more from the middle class into poverty in America. It is time for responsible citizens to get informed, take a serious, rational, and open minded look at alternative socio-economic philosophy.  There are alternatives to the current greedy crony capitalism in these United States of America.

It really doesn’t matter whether you call such a system democratic socialism or responsible capitalism. As long as it creates a society that allows all the citizenry – as a collective and as individuals – a good life, liberty, and the pursuit of happiness, it is the right system!

Kamala Harris vs. Billionaire Boys and The Unnecessary Middlemen Health Insurance Companies

cartoon-insurance-companies

At a recent CNN Town Hall meeting, Senator Kamala Harris was asked about how she would bring quality, affordable healthcare to all Americans.  She replied that Medicare for All (M4A) would be the solution to fix the sad state of American healthcare. She was also asked if that would mean that all the private insurance companies would be eliminated. She said there was no reason for the insurance companies to be the ones that authorize or reject a treatment or intervention that a qualified physician recommends to his or her patient.

As a neurosurgeon who has been in the medical field for 23 years (and deals with the frustrating authorization process imposed on doctors by the profit oriented and unnecessary middlemen known as health insurance companies on a daily basis), I am in 100% agreement with her answer.  Here is the reason:  Imagine your car gets sick and you take it to a mechanic. The mechanic diagnoses the problem and says it costs $100 to fix it. Meanwhile a middle man insurance company says, “Wait! Give me $125. I will pay the mechanic $100 and will keep the $25 as administrative costs.” You wouldn’t pay that extra $25 to that unnecessary middle man, would you? Why then, would you need the unnecessary middlemen health insurance companies? 

Mr. Howard Schultz, the billionaire CEO of Starbucks who is considering a bid as an independent for the presidency of the United States, said that elimination of the private health insurance companies would be “un-American.”  He also said, in a recent CNN interview with Poppy Harlow, that Medicare for All is “unaffordable.”  Another billionaire, Michael Bloomberg agreed about the cost for M4A.  Billionaires apparently think alike.  Even though Mr. Schultz has become a successful businessman selling coffee around the world and Bloomberg with his immense financial empire, I am not sure how much they understand the complex business of American healthcare delivery. 

Mr. Schultz said that he believes he understands healthcare very well, and that the issue is close to his heart. His claim for the knowledge he possesses about health care is based on his provision of comprehensive healthcare to his employees. I commend his compassion but that compassion is no match for the greed of pharmaceutical and health insurance companies, hospital administrations, and device manufacturer companies.  These special interests all lobby, control, and dictate the current healthcare policy in America. Mr. Schultz seems to believe that just because he provides healthcare benefits to his employees in his private business, he believes he has a better way to provide healthcare for all Americans than a national Medicare for All policy.  Apparently that “better way” would be to tell the CEOs of corporations and businesses in America to do what he did for Starbucks employees; be compassionate and provide healthcare benefits to the employees. He thinks they will follow his example. 

Good luck with that!

I am perplexed by Mr. Schultz’s belief that appealing to the corporations to be compassionate will solve the very serious problem Americans face with having our healthcare delivered through for-profit intermediaries. It is hard for me to believe that Mr. Schultz could be that naive. He must be aware that the shareholder economy in America doesn’t give a damn about compassion. The majority of corporations are all about the bottom line and making as much profit as possible for their shareholders. He thinks that, as an independently elected president, he would control the special interests in the healthcare industry. Looks like he has not been watching what’s going on with the presidency of President Trump.  Like Mr. Schultz, Mr. Trump is an independent billionaire, but one who has failed to accomplish any meaningful reform in the healthcare delivery that would provide quality, affordable healthcare to all Americans. 

In spite of being a businessman Mr. Schultz doesn’t seem to understand that the “business of America is business,” and that business is only concerned with creating profit for shareholders. The chance of the greedy millionaire and billionaire CEOs of pharmaceutical, private insurance, device manufacturer and hospital industries following Mr. Schultz’s example and foregoing their annual salaries, bonuses and stock options that are worth millions, if not billions, is almost zero.  

I am uncertain what imaginary utopian healthcare dream Mr. Schultz is dreaming of! He definitely needs to wake up and look around and see the healthcare policies perpetuated by the corrupt political system, beholden to the greedy and very powerful healthcare special interests.  

Universal Healthcare to ALL New Yorkers

New York’s mayor, Bill De Blasio, recently announced that New York is officially on its way to becoming the first city in America to ensure that all New Yorkers (including the undocumented) will have comprehensive and affordable healthcare. Given the Republicans’ effort to dismantle Obamacare, this would be an incredible accomplishment. With the Right’s mindset that government funded healthcare is “socialized medicine” alongside the powerful grip of corrupt politicians by the greedy pharmaceutical, hospital and insurance industries; Mayor De Blasio is a hero for taking matters into his own hands. If he can make this plan a reality, it would be considered a monumental achievement and the Mayor should be hailed as a pioneering politician that has initiated a seismic shift in the philosophical and political landscape of the American healthcare delivery.

After listening to his press conference in which he announced his plan, it looks like De Blasio has understood the key principles necessary to achieve universal healthcare to all New Yorkers. The first among those is the basic, fundamental philosophical principle that he reiterated time and again; that healthcare is not a privilege but a human right. I truly believe this is the most important ideal the nation, as a whole, has to accept in its collective consciousness if universal healthcare is to become a reality in America. The mayor has embraced that core belief wholeheartedly and guaranteed comprehensive healthcare to every New Yorker.

The second principle he spoke about is the need for access to preventive and primary care doctors. When thousands of uninsured and underinsured citizens are guaranteed healthcare and connected to primary care doctors, the burden of unaffordable premiums, deductibles and copays will be lifted off their minds. This would facilitate as well as help persuade individuals to seek preventive and early medical care.  The Mayor’s administration has partnered with NYC Health + Hospitals, to bring about lowered city medical expenditure. These significant savings are being used to provide quality health care to more and more uninsured and underinsured.  Because emphasis on preventive and primary care decreases healthcare expenditures, De Blasio has allocated an additional 100 million dollars in the city budget to provide guaranteed healthcare to 600,000 uninsured New Yorkers. He believes that money will be worth the bang for the buck.

The third important principle, which has already been put into place, is in New Yorkers having a public option, MetroPlus Health Plan. The objective of this health plan is comprehensive medical care for the sick New Yorkers irrespective of their ability to pay. There is no greed or motive for profit here. Hopefully, many citizens will realize that a not for profit public option is a better choice, as well as an alternative to the greedy for-profit health insurance companies. If many citizens enroll in a public option, there is a chance the greedy for-profit insurance companies can be reined in or put out of business. The recruiting efforts and activism of people involved in Get Covered NYC have already brought in many uninsured into the ACA Exchanges and have also given the choice to enroll into the public option of Metro Plus Health Plan.

Finally, the mayor recognizes that mental health is equally as important to that of physical health.  Thrive NYC is the coordinating mental health component of his healthcare plan being guaranteed to all New Yorkers.

Since the mayor has all the necessary pieces in place to achieve universal healthcare for all New Yorkers, I believe it will be accomplished! It is not a single payer plan but integration and coordination of all the existing healthcare delivery components under NYC Care with emphasis on continued improvement of the healthcare delivery. The mayor does recognize the simplest and the best option to provide comprehensive healthcare to all Americans is realizing the Medicare for All legislation, HR 676 at Capitol Hill. How feasible is that reality? I must say, the most important ingredient necessary to make this possible, is the will of politicians in Congress and the President to guarantee healthcare to all citizens.

Kudos, again to Mayor De Blasio for having the political will and appealing to the collective humanity of Americans. It all started as a firm belief in his compassionate heart and thoughtful mind, that healthcare is not a privilege but a fundamental human right!

Mind is Everything, what you think you become! -Buddha

Trump’s Policy To Bring Drug Prices Down Has A Loud Bark But No Bite

President Donald Trump, during his campaign, said it was unacceptable for the pharmaceutical industry to gauge patients, who are already suffering, with the astronomical prices they charge for the life and limb saving drugs. He was going to fix that and was the man to do so.

Now that he is the president and his Republican party controls both the House and Senate, he has the best chance to make that happen. As President,  he stood in front of the White House on May 11, 2018, unveiling his proposals to reduce the staggering high prices of drugs in America and said, “We are very much eliminating the middle men. The middle men became very, very rich.

Trump/Azar 5/11/18
As President, he stood in front of the White House on May 11, 2018, unveiling his proposals to reduce the staggering high prices of drugs in America and said, “We are very much eliminating the middle men. The middle men became very, very rich.” (AP Photo/Carolyn Kaster)

For a brief moment, I thought he was on the right track. It seemed he understood that one of the main reasons healthcare costs in America are so high is the layers and layers of unnecessary middle men. Of course, there is the more serious problem of policies and laws enacted by corrupt politicians beholden to the special interest lobbyists. Trump also said he would take on the special interests. The question is, will he actually follow through on his promise? Looking at the man Trump appointed and standing next to him in front of the White House as his Secretary of Health and Human Services (HHS), Alex Azar, I would say, don’t hold your breath.

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The question is, will Trump actually follow through on his promise? Looking at the man Trump appointed and standing next to him in front of the White House as his Secretary of Health and Human Services (HHS), Alex Azar, I would say, don’t hold your breath.

Azar was the president of the American division of the pharmaceutical giant, Eli Lilly and oversaw its lobbying efforts for the company. If we think he will actually bring change that will reign in the greed of PHARMA and bring down drug prices, we will be sadly mistaken. In the past few months, Trump and Azar have been working on policies to bring drug prices down.  Meanwhile, the pharmaceutical industry was nervously thinking their enormous profits would be in jeopardy. However, when the actual proposed policies were recently released, the industry breathed a sigh of relief. The proposals had no teeth that would bite into the industry’s ability to charge prices the way they want to. The drug industry dodged a bullet and, of course, naturally the stock prices of the pharmaceutical companies soared.

Trump, true to his character, is long on rhetoric and short on substance. “We’re going to see those prices come down,” he said. “It will be a beautiful thing.” He is not serious about any policies that will actually bring drug prices down and consequently some relief to patients, especially senior citizens who spend a big chunk of their social security check on purchasing medicines. Americans spend on an average $1,162 per person on prescription drugs compared to $497 per in the United Kingdom, thanks to their nationalized health care system. Unfortunately, the largest government health insurance program in America, Medicare, is forbidden by law to negotiate low prices, a law enacted by Republican congress and signed by George W. Bush, thanks to the special interest lobbyists like Alex Azar.

Medicare has 60 million members and has the economy of scale to bargain for low prices, which would be the case if America truly is a free market economy. With corrupt political system, influenced by the special interest pharmaceutical lobby, the laws are skewed in favor of greedy drug industry, not average Americans. If Trump wants to bring prices down, the first thing he can do is to make his Republican congress repeal the law forbidding Medicare from bargaining for low prices. Democrats would love Medicare to have that power but Republicans oppose it. As long as Paul Ryan is the speaker and Azar the HHS secretary, Medicare has a no chance to get that power.

Only informed and activated citizens can bring the change through the political process by voting the corrupt politicians and law makers out of office. Dr. Robert Zarr, a pediatrician practicing for 15 years in Washington DC and also the president of PNHP, said that PHARMA represents the biggest evils and barriers to practicing physicians, nurses, therapists, healers and to all Americans in this country. To prescribe life saving medication is extremely difficult because the price of that medication is outside of the reach of ordinary Americans. During a protest in front of PHARMA in Washington DC, Dr. Zarr said that the doctors should realize that enough is enough and it is time they fight back for all their patients, so finally we can have a day when medicines are actually affordable.

I hope the concerned doctors, in whose hands the patients trust their lives, will lead the charge and the citizens can follow.

All those American citizens hoping to change the healthcare system for the better, so they can afford quality healthcare, may have an opportunity this coming midterm elections to elect lawmakers who truly do fight the powerful special interest pharmaceutical lobby.

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