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Eve Tahmincioglu

Primary author Eve Tahmincioglu has been covering small business and entrepreneurship for more than a decade. She regularly writes about small business issues for the New York Times and BusinessWeek's SmallBiz magazine. She also writes the Your Career column for MSNBC.com. She is the author of "From the Sandbox to the Corner Office."



Kris Kringle can't help us

Posted: Friday, December 14, 2007 5:13 AM by Eve Tahmincioglu
Filed Under: ,

It’s the time of year when people throw reality out the window and daydream about getting everything they’ve always wanted.

Why not health care reform?

A national small business group crafted a health care wishlist of sorts and I hope it ends up registering with more than just Santa. There’s not a lot he can do for this nation’s ailing health care system from the North Pole. And anyway, he typically goes on a long vacation after his big night.

Image: Santa on a bike
Bernd Settnik / EPA
The National Federation of Independent Business this week came out with a core values list, including everything from universal coverage to privatization. I know I know. Sounds like a clash of ideas, but they’re dreaming big.

The list will be used as guide for the NFIB to develop “more specific, actionable policy initiatives that will be explored by policy makers moving forward.”

This is the heart of the issue -- will this nation be able to move forward and finally reform the health care system?

The livelihood of small businesses across the country depends on the reversal of what has been mass inertia.

So, we pile up ideas on the table, not just from advocacy groups like the NFIB, but by consumers groups and the never-ending candidates running for president.

But when will we finally move forward?

Here are some details on the NFIB’s ambitious “Small Business Principles for Health Care Reform:

Universal: All Americans should have access to quality care and protection against catastrophic costs. A government safety net should enable the neediest to obtain coverage.

Private: To the greatest extent possible, Americans should receive their health insurance and health care through the private sector. Care must be taken to minimize the extent to which governmental safety nets crowd out private insurance and care.

Affordable: Health care costs to individuals, providers, governments and businesses must be reasonable, predictable and controllable.

Unbiased: Health care and tax laws should not push Americans into employer-provided or government-provided insurance programs and hobble the market for individually purchased policies. Small employers should be treated the same as large employers, who can already pool across state lines. A health care system built on employer mandates or on play-or-pay taxes is unacceptable.

Competitive: Consumers should have many choices among insurers and providers. Policymakers must alleviate the limitations that state boundaries and treatment mandates place on competitiveness.

Portable: Americans should be able to move throughout the United States and change jobs without losing their health insurance.

Transparent: Information technology should enable all parties to access accurate, user-friendly information on costs, quality and outcomes. Providers must be able to obtain relatively complete medical histories of patients. At the same time, patients’ privacy must be guarded zealously. The private sector must play a vital role in developing the new technologies.

Efficient: Health care policy should encourage an appropriate level of spending on health care. Laws, regulations and insurance arrangements should direct health care spending to those goods and services that will maximize health. Adequate risk pools throughout the health care system are vital to accomplishing these goals.

Evidence-based: The health care system must encourage consumers and providers to accumulate evidence and to use that evidence to improve health. Appropriate treatment choices and better wellness and preventive care should be key outcomes.   

Realistic: Health care reform should proceed as rapidly as possible, but not so quickly that firms and individuals cannot adjust prudently. It is important to assure that no one’s quality of care suffers as we move to provide coverage for all Americans.

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The only thing that is broken in health care is the cost of health care and no one is addressing this problem. The government caused the problem with health care cost crises in America by over socializing (with mandates) medicine to the extent it is not completive.
http://www.InteliOrg.com/
Sounds like this plan was written by the health insurance industry, which is too ironic considering that IS the problem.  In business terms we call it an "unnecessary, inefficient and immoral middleman keeping us divided, conquered, and from utilizing efficiencies of scale".  What we need to be doing is the opposite of continuing our broken and misguided private health insurance system.  We need to be uniting (not dividing) for everyone's best protection at the best prices with the most transparency.  Is the health insurance industry we have now keeping costs down?  No, years of solid evidence prove it creates double whammy health care inflation.  If cost of care goes up 5% then the cost of health insurance goes up 10%  (or anything more than 5).  Are health insurers offering transparency?  No, because as long as we remain divided and conquered we will pay vastly different prices for precisely the same things.  Now we all have to waste valuable time navigating their myriad apples-and-oranges uninsurance maze where the only choice we ever want or need (to be covered if we need it) will never be offered.  Then they restrict our choice of providers, when if we were all in the same large protective pool instead of in tiny risk groups, we would all have equal access to care providers.  I'm not talking about government-run care.  I'm talking about independent care providers working with one fair, reliable and consistent system.  Now it's almost impossible to be able to find out who is paying how much for what.  The insurance industry diverted 31% of what we spent on health care last year away from desperately needed care.  I love our free market, Capitalist society.  That's why I hate profit-driven health insurance.  It's hurting every other American business except itself, killing far too many, and bringing our economy to its knees.  It makes individuals unable to compete in job markets, small businesses unable to compete with large ones, and large ones unable to compete globally.  Enough is enough.  Profit-driven health insurers kill at least six nine-elevens' worth of innocent, involuntary Americans every year, unnecessarily disable, bankrupt and terrorize millions more.  Because of profit-driven health insurance middlemen, we're spending more than enough to cover everyone for everything but not getting it.  Because of them we're paying too much, and they are giving back too little in return.  We are paying for Cadllacs but they deliver Yugos (as in "You get sick, YOU GO").  Their lack of humane compassion and any sense of basic moral compass gives the rest of us a bad name.  Can't the insurance industry figure out a way to make money that is not costing us so dearly and doing everyone else in America so much harm?  They are to our ability to create an affordable, sustainable, moral, transparent and high quality health care system what the KKK is to Civil Rights or Al Qaeda to National Security.  Their goals are perverse and directly contrary to our best interests.  Feeding the problem (profit-driven health insurers) is not the solution.
The NFIB's health care policy is directly contrary to the interests of most small businesses which would find themselves paying less under a government-mandated universal care systems funded by progressive taxation. They"re just too dumb to do the basic math on the issue
all americans deserve medical care young,old,lower,middle income,have each person pay one tax of 10% and follow the guidelines of the va hospital who does a great job for the vets(they do have their problems but it works) we would have no problem with health insurance  but we have lobbyists,insurance companies,and alot of greedy people in washington, they should think of the people first that is who pays their salaries,the little guy pays no matter what,forget all the promises we hear all the time, none are done they only work for the rich not the poor or middle class,nothing can be fixed over night,but we can start,the war is an example another vietnam,its over oil not terrorism,we have a great country,but lack real people to run it because of all the beckering about everything in the house,congress and senate,bring the goverment back to the people,has it was intended when this nation was started, we can go on and make excuses and blames point fingers but let it end,we are losing our place in this world,other countries see the mistakes we made they change we are not,we have waste billons of dollars on everything,this waste could have done alot for our poor first, then to the countries that are hard pressed,we can't help everyone but can try our best
I would also like to see insurance companys held responsible for there actions as well, as in several of the cases I have read lately, about their drs ordering treatment, to have there insurance company not ok the treatment or tests needed, to eventually have people die because there dr was second guessed by the insurance who didnt want to pay the bill, As well as see accountabilty for there actions on how they list or hmo,(who we are allowed to go to) as on several occations, though we have a book, a web site an a phone number we can call to find out if a provider is in our network, I totally understand that everytime someone drops out that they can not update the list each time, but with the web site an phone you should be able to, but with ours where we are in Tennesse our Insurance is in NY, If you look in the book, or go to the web site or call, there is the fine print or the little phone message that states no matter  what the web site say you may get to your dr to find they are no longer in the network, same with the phone call, once I called for a provider,my insurance actually called the dr an set up an appointment, after I got to the appointment I was advised they were no longer in my group, I live in a small town so for better drs or specialests we have to travel about an hour, they had 2 drs that were supose to be in our group, I made an appointment for my daughter, had to take her out of school, I had to take off work, drive down there to find out that they were no longer in the net work,so it was a choice of making her suffer awhile longer till I could find another  or paying alot more extra cost to see this one, I had to let her see him, but with luck he did feel sorry for me and gave me alot of sample medicine for her, I also had to take her for a test to a hospital on out patient, that was on there online site and in the book, the last time I had to take her for a test somewhere else, they took my insurance card ran it an told me they were not in the net work so I had to go find somewhere else to take her, this time this other hospital took my card copied it, an never said a word, several months later, get thing from insurance saying they only paid alittle because that hospital was no longer in the net work when I took her, so in the mean time the hospital is already sending it to the credit bureau, I send it back to my insurance, they say read the fine print we cant be held libel because we told you or it was on the web site, so I call the hospital, it states clearly on my insurance card they are supose to clear everything with my insurance, I get the run around getting transfered from one person to another an back, and finally get to talk to someone, I ask was my insurance called, put on hold for ever again, they finally come back saying sorry mam but we have no record of anyone ever getting in contact with your insurance,I told them it was clearly on my card to do so, So Im just told once again there sorry but they cant tell me what happened or how to remedy it, I have no money to try to rectifiy this as the only way would probly be court, and insurance an hospitals almost always win,so I pay a little bit each month to all the drs and hospitals that I owe for my daughter care, I would like to see accountablity for hospitals an insurance companys, I pay insurance every week my employeer pays a portion of it, we have now alot of co pays and deductibles, and as for me, ha, my dr wants me to have some tests done, will I, NO, why not you say.I am to worried about paying other bills,drs, hospitals having a car, food, to have pay some more co pays and deductibles at this time, It scared me to death that I know that there are thousands of people out there alot worse off then me, People who have died from insurance neglect and there people going over there Drs heads to stop them from getting what they need, Are not our drs trained to be the decision makers for our health care, Ive seen some shows on health care in Canada, Im really starting to wonder as I know alot of people are with me, Is the USA still really the best place to live any more, It brings tears to my eyes to think my father fought for this country in the 2nd war for our freedom our way of life, his health ins when I was a kid was the best. If he were alive he wouldnt believe what health care has come down to in this great country.
I'll leave you with this quote.
Be Kinder Than Necessary, For Everyone You Meet Is Fighting Some Kind Of Battle.
It's Not What You Have But How You Try To Give What You Have.


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