LISTEN TO US!

Right now, the rich and powerful are trying to marginalize the group called “Occupy Wall Street.”  They are saying that this mix of blue collar and professional, working and unemployed, fearful and the foreclosed, this group of regular people, don’t have a coherent message, that no one knows what they want.  Well it’s true that they don’t have a public relations rep, or a lobby group but they do have a unifying message.  Their message, and it runs through the whole spectrum of people involved is…are you ready:

WE ARE SICK AND TIRED IF BEING POWERLESS!

Yup, that’s it.  As individuals, they feel they have no voice against injustice.  They are:

POWERLESS to stop being abused by BANKS,

To demand an interest rate that approaches inflation instead of 100 times less than inflation (0.01% last time I looked).

To stop them from using fees as a gotcha profit center.

To demand accountability for their actions and for the use of our bailout money for…what?

POWERLESS to demand that our Government represent us instead of Corporations and whoever can buy their time and attention.

Why can’t we have a choice during an election, we are forced to pick who will do the least damage, the leper with the most fingers and then we are told that we are responsible for his actions.

POWERLESS to control the actions of Corporations.

The corporate person has all the rights that we have but is not held accountable for his actions, his only goal is to maximize profits, and he has a lot more resources to achieve his goals.

POWERLESS to stop the Wall Street and Corporate boards from dismantling and corrupting key institutions for short term gain.

POWERLESS to stop the Health Care Industry and the Insurance Industry from preying upon us at our most vulnerable and blocking every effort to reform them with fear, mistrust, and misinformation.

POWERLESS against a media that is more interested in selling the show, or representing a viewpoint (or an owner), than delivering news and information that could be used for informed decision making.

Here’s a real shocker for you, the Occupy Wall Street crowd and the Tea Party crowd are after the same thing, empowerment.  Unfortunately the Tea Party seems to think the problem is Government and want to remove of it as much as possible.  I believe that the Government is the only one with a stick big enough to represent us against the true enemy of individual and corporate greed and power, unfortunately they appear to be uninterested in representing us.

Health Care, What’s Broke? (Besides me I mean)

We are in the midst of what some call a health care crisis in this country.  The insurance companies say the medical costs are rising too fast.  The employers say the insurance costs are rising too fast.  We just see the cost of our health care rising, in many cases, out of reach.  We seem to pay more and more for less and less.

Is there anything in the system that we can fix?  Hmmm, well let’s take a stroll through the system and see if we can see what’s broke.

We take our child to the doctor, the doctor looks at him and prescribes some treatment.  If we are lucky, it works and our child gets better.  Seems like that part of the system works ok, even though sometimes with a serious illness a doctor is only about one step removed from shaking a rattle.  Still there is an honest effort to make the patient better.  A service is provided

Now in most every doctors office there is a person behind a desk whose whole function is to figure out how to get paid by the patient’s health insurance company.  They submit the bill and sometimes the insurance company pays it.  Or sometimes the insurance company pays some of it, or rejects it.  Then it’s this person’s job to bill you for the balance of the bill, SURPRISE!

In your mailbox you get a bill from the doctor that tells you how much the insurance company paid and how much you need to pay, only wait, this was a covered expense and you already paid the copay so what’s up with this.  So you pick up the phone and call the insurance company, maybe for an hour or more, at work!  Finally you think you have resolution, only to find out someone has dropped the ball and you get another bill, this one overdue.  So on the phone again, at work!

This has gotten so bad that there are companies whose whole function is to deal with your insurance company for you.  Yup, you or maybe if you’re lucky, your company (who is probably tired of all that time on the phone) pays someone to make the insurance company do what you pay them to do.  Kind of like hiring someone to watch the kid you hired to mow your lawn, hey kid you missed a spot.

So let’s see, we have a doctor who provides a service and you who, in a roundabout way, pay for it.  You pay for it with your premium, and with the portion you employer pays, which is really just another form of your wages.  So don’t let anyone say you don’t pay your own health care.  The only advantage you get by having it through your employer is he gets a better deal per person than you can ever get by insuring the whole company.

History Lesson, insurance was invented to spread risk.  If 100 ships go out to sea and in a year 10 are lost, all 100 owners will put a small amount into a fund and whoever happens to own the 10 lost ships splits the fund.  Next year you do it all over again.  If a trusted company holds these funds and invests them or loans them they can make a profit with the money, until they have to pay the owners of the lost ships.  It used to be that way for health insurance until some smart guy realized that if we only insure healthy people, or only insure cheap stuff, we get to keep all the money not just the return on the investment.

Today we have an insurance company who wants to maximize profits.  They collect all your premiums in the form of money deducted from your wages and the wages you never see in the form of EMPLOYER CONTRIBUTION.  Then their goal is to keep as much of this money as possible.

Wait, wait, the doctor performed the service, you got the service, why should the insurance company get to keep all that money, what did they do?  On top of that they are difficult enough to deal with that the doctor has to hire a specialist.  They are difficult enough to deal with that you have to hire a specialist, and for what?  In the end, doctors get paid by all of us.  Sometimes I pay for your child’s ear infection, sometimes you pay for my wife’s heart attack, but WE pay for EVERYTHING!  Insurance companies just skim off all they can and then pass through what they have to.  Insurance companies could evaporate tomorrow and if it was done right, we wouldn’t even know they were gone.

So why does it seem like we so intent on keeping this bloated parasite of an industry intact?  Well, of course there is the obvious answer that they have bought considerable interest in our government but that isn’t the only answer.  Take a look at your retirement fund, I bet it’s pretty heavily invested in health care industry.  HMO’s and insurance companies own a good portion of your retirement, and of grandma’s as well.  If we dismantle the insurance industry we hurt a lot of people in fixed income.

They are kind of like the parasitic worm that causes river blindness, if we leave it alone it destroys our eyes, but if you kill it, it can drive you mad.  So we leave it in place, root hairs wrapped tightly around some of the most economically vulnerable, and in the mean time the industry subverts our government with millions of dollars and pays the high level insiders even more millions in annual salary.

You know what?  I think I’d rather be mad than blind.

The Choice That’s No Choice

In a political Spam-mail, John McCain is telling me about his health plan. He’s telling me about choices, telling me how I can make all these choices under his plan. It seems to me that the freedom to choose without choices is no freedom at all.

When in the last 20 years have we had any choices in health care that have not been legislated? Oh, we’ve always had to chose between which provider will hurt us the least, which provider will increase the premiums least, or which provider will pay the plan doctors in a timely fashion (so your personal physician won’t drop the plan or make you pre-pay). These choices are little more than a game of choose the rapist.

This plan smells suspiciously like it will be manipulated to benefit the insurance companies before it’s done. These are the companies that we trust to sell us at a fair price, health care for our families. The company I work at is mostly self insured, a couple of years ago my premiums went up 13%. Of that, 4% was due to increased health costs, the other 9% was an increase in the cost of our insurance carrier’s administrative services, the ABYSMAL administrative services.

If you want to read a real Pollyanna analysis of McCains health care program read: Fortunes’s “Why McCain has the Best Health-Care Plan” It Explains how employers will pass their savings on to the employee…because of the competitive labor market- huh? is that why wages have been stagnant since 2002? It also tells how the magical fairies of deregulation will use their wands of competition and bring the evil price beast to it’s knees. Just think of how these selfless little magical beasts have made life better, airlines, phone companies, savings and loans, banks.

So, I ask you Mr. McCain, what choices are you giving me really?

Your Economy, My Economy

President Bush warned, “We are in the midst of a serious financial crisis. Our entire economy is in danger.”

I would say to him that YOUR entire economy is in danger, MINE is already in the tank. With sub-inflation rate raises for the last several years, rising health insurance costs, children in colleges with rising costs and reduced student aid, sky high gasoline and heating prices, my world had been in a pinch for quite a while.

Well Mr. President, now that YOUR economy might feel a pinch and the multimillion dollar CEO’s are hurting, well something must be done. Drop everything and bail’em out.

Some kind of health care reform will have to wait.

Maybe we can afford to educate the next generation, this one will have to fend for itself.