Really? This is the Best America Can Do?
Back in 2002 the Institute of Medicine released a study which estimated that 18,000 Americans had died during 2000, as a result of not having health care. More recently, the Urban Institute employed the IOM’s methodology, accounting for the rise in the ranks of the uninsured, and adjusted the number upwards: 22,000 in 2006 (urban.org). Let’s say we just split the difference and call it 20k, for the sake of convenience. Any way you count it, it works out to over a hundred thousand dead Americans since the 2003 invasion of Iraq. For over half a decade now, our federal government has been spending in excess of a billion dollars a week of tax payer money, much of it going to private corporations such as Halliburton and Black Water, all in the name of “protecting” our “national interests.” Meanwhile, enough people to fill a city the size of Allentown, Pennsylvania or Midlands, Texas bit the dust. In no other industrialized nation in the world would this happen.
By the way: During roughly that same time period, health insurance industry profits have risen 1000% and premiums for workers’ policies have jumped five times the rate of wages (AFL-CIO). The strain of paying health insurance premiums is threatening to bust the budgets of nearly every city, county and state government across the nation; it went a very long way towards destroying the American auto industry. Somehow, the United States of America has managed to cobble together a healthcare delivery system which is simultaneously bankrupting industry and government, while killing off large numbers of the population.
Of course, a very small number of United States citizens make tens of millions of dollars a year working within this deadly health care delivery system. And for this reason alone, some people will actually maintain that our “uniquely American” health care system is a smashing success. Some people really and truly do believe that any enterprise which increases personal wealth is noble and just, no matter how many other people suffer or die as a matter of due course.
There is a kind of folk belief in the United States that “nobody goes without medical care if they really need it.” But that just isn’t true. If you are one of the 50 million Americans without health insurance coverage then you cannot simply make an appointment and go see a Doctor just because your stomach has hurt and your digestion has been haphazard for months. You can’t just waltz into the convenient care at the first sign of flu symptoms. You won’t get the routine physical and blood work that might detect a sudden, troubling rise in your blood sugar or a glitch in your organ functions.
Oh, sure, as things go on and your condition continues to degenerate, you can eventually look forward to receiving whatever medical attention will be needed to stabilize your condition at an emergency room, once you have contracted a full-blown case of influenza, or slipped into a diabetic coma, or progressed significantly far along with a case of stomach cancer to be shitting blood when you cough.
At that point, your condition will be extremely expensive to treat, and your options for procuring treatment severely limited by your uninsured status. Unless you have been sick sufficiently long enough to have slipped into the lowest levels of the economic underclass, you will not qualify for Medicaid or any other sort of government subsidized health plan. For an uninsured person with a serious medical condition, procuring any kind of medical care at all can become a full-time job by itself; simply keeping track of and servicing the ever rising debt, another.
And there just isn’t a lot about the situation to inspire even the smallest flicker of hope. Let’s suppose that, for instance, in spite of dealing with a serious medical condition, you manage to land a better job, one that offers health insurance. But you still won’t be able to get the medical care you need, because the insurance corporation that your new employers buy their policy from will deny you coverage the very first time you go sign up for those tests or treatments you’ve been waiting months, or even years, to get done.
Denying coverage for “pre-existing” conditions is the industry standard. It has to be. Insurance corporations are legally obligated to pursue maximum profits. They present themselves to the public as if their business was somehow providing health care services, but almost the exact opposite is in fact the case. They are instead a parasitic bureaucratic syndicate that has somehow managed to insert itself as a gatekeeper between sick Americans and their Doctors. Their only goal is to take more money from people in premiums than they pay out to medical care providers on those people’s behalf. If you are already sick, the “health care industry” is never going to let you through the door.
So as an uninsured person with a serious, chronic medical problem, your fate is now largely sealed. Under the United States’ for-profit model of health care delivery, a “pre-existing condition” equals lifetime banishment from full access and care. Your only hope is to somehow manage to make enough money to pay for tens of thousands of dollars worth of medical care up front. Or else wait until your condition deteriorates enough so that you are no longer productive and able to support yourself, at which time you will be able to get onto Medicaid. Or, if you are old enough you might cross your fingers and hope you can ride out a few tough years and hang in there long enough to qualify for Medicare. In the meantime, if things get desperate, maybe somebody will throw a fundraiser for you at an Eagle’s Hall or the VFW, and put up some collection cans for spare change at the checkouts of the local package stores.
But mostly you are just shut out of the system. And, frankly, there is a good chance it will kill you in the end. And I will repeat: In no other industrialized nation in the world would this happen to you. Only here in America, where we love freedom so goddamned much more than everybody else.
And where, apparently, no freedom is more sacredly entrenched than the freedom of health insurance CEOs to rig our health care delivery system, so that they can wring 50 million dollar a year salaries from figuring out ways to deny medical treatment to people who are not profitable to insure.
Why on earth is it like this? Why do we here in the home of the Brave opt for a private insurance system, instead of joining the other Democratic nations of the world in guaranteeing access to health care for all of our citizens? For some reason, we just accept as fact that the “free market” model of health care is more efficient than a publically managed program that covers everybody. We, apparently, believe it is some how more “efficient” to have a system that shuts out 50 million of our fellow citizens. Some of us, at least, seem to clearly believe that it is “efficient” to let tens of thousands of our citizens die each year, so long as a few other citizens get to make tens of millions of dollars in salary and profit, as a direct result.
I mean, that has to be what the insurance industry lobbyists and defenders mean when they rant and rave about how much more “efficient” the free-market, for-profit health care system is. They must mean that it “efficiently” allows a small number of well connected CEO’s to make billions in profit by directly exploiting our society’s sickest, hardest-suffering individuals. That has to be what they mean by “efficient,” for in no other sense could the United States health care system be regarded as so.
Still I get the distinct impression that some of my fellow Americans naively believe “more efficient” might mean something else—like that it saves our nation money. In fact, the United States spends roughly twice as much per capita on health care as other industrialized nations spend through their various single-payer, non-profit systems. A study released two weeks ago by the state of New York found that the state would save 20 billion dollars a year under a single payer system. I honestly do not understand how fiscal conservatives can countenance it: our nation pays roughly twice as much as other nations, only to achieve verifiably inferior results.
Others perhaps imagine that the private insurance company model is more efficient because it somehow eliminates layers of complicated, inhumane bureaucracy that exists in a government managed, single payer system. Again, essentially the opposite is the case. Medicare, and the various single-payer models that are employed by other democracies average about 3% in administrative overhead costs. American, for-profit insurance corporations average about 30%. I recently heard an RN and office manager for a primary care physician quote a study that found the average doctor spends roughly 70 thousand dollars a year in staffing costs, simply to deal with the insurance companies.
Of course, health insurance corporations have overhead expenses that just do not accrue under the not-for profit, single-payer system. In the first place, they must pay much, much higher salaries, in order to attract that particularly successful brand of individual who is not morally troubled by generating wealth directly through the misery of others.
Secondly, the health insurance corporations must spend millions of dollars a year lobbying our elected representatives in Washington, in order to make sure their own, narrowly defined, selfish interests are given a dominant stake in any discussion of potential reform.
And perhaps most important of all, the health insurance industry must maintain an entire army of workers whose only job is to go over policies with a fine tooth comb, looking for reasons to disqualify a person from coverage, once they have become sick enough to actually need access to health coverage, often after they have spent years paying ever rising premiums.
Because in our free-market, for-profit health care system, you can spend years feeling confident and well covered, only to discover that was never really the case. Once you get sick and start costing the health insurance corporation money, there is an excellent chance they will figure out some “efficient” way to deny you care. Not only is it their legal right to do so, it is their responsibility. Very efficient, that.
On the front page of the August 5th New York Times, insurance industry sophist (a sophist was a kind of professional liar in ancient Greece) Karen Ignagni whined that “not one single person is going to get coverage as a result of attacking our community.” As you would expect of a comment made by an insurance industry spokesperson, this one is completely untrue. To increase health care coverage to all Americans will not only require attacking Ignagni’s “community”—it will require putting them completely out of business. Remember, Ignagni’s “community” is the group of health insurance CEO’s who make billions of dollars in profits each years through collecting health insurance premiums and then denying care for any possible reason they can come up with. That “community” has no place in civil society. They prevent us from properly taking care of our citizens.
But naturally they are not going to quietly go away. The health insurance corporations are currently spending 1.4 million dollars every single day in congressional lobbying and media manipulation, in order to keep their death grip on our health care system. And they have pulled the necessary strings to fire up their “astro turf” organizations, those angry mobs of lunatic right wingers who have recently launched a strategy of shouting down and disrupting town hall meeting about health care reform.
These unfortunate individuals are allowing themselves to be turned into some of the greatest dupes in human history. In the great generational battle to win back liberty from the corporate-state leviathan, these passionately ignorant patriots are standing tall and true for the corporate elites fundamental right to exploit and privateer off from the rest of society. And somehow, in their minds it has gotten all twisted up into a kind of holy crusade, a battle to protect the American way of life against the menacing specter of socialism. That’s right, the Godless commies are coming to infringe upon our sacred right to pays hundreds of dollars a month in health insurance premiums to insure our families, just so we can run the strong risk of having them cut us off once we really need care.
It is, of course, ludicrous. The other countries which have single-payer health care systems are anything but “socialist.” In most cases, they have more robust economies than we do, when measured in terms of quality of life for the average citizen. Unencumbered by the idiosyncratic American habit of marrying health insurance to employment, the businesses in Canada and the European nation are free to focus their resources on production. Under a single payer system, entrepreneurship is more strongly encouraged, because bright and creative people are not obligated to stay in a job just to maintain their insurance.
A system for providing adequate and timely health care to all members of society is as important a part of the infrastructure as maintaining a system for responding to house fires or criminal attacks. Which is to say, decrying a single-payer health care system as “socialism” makes as little sense as ranting about the “socialist” fire and police departments. Carrying on about “socialism” and “government takeovers” is emotional dummy talk. The cold reality is that corporate interests took over our health care system long ago. It is time to use our government—the one that is of, for and by the people—to take it back.
This September, the Congress will take up for debate and vote H.R. 676, the “Medicare for All” bill by John Conyers of Michigan. This bill would reign in the out of control inflation of medical costs while at long last providing coverage to all Americans. The bill can be read in summary or in its entirety at healthcare-now.org. Contact your congressional representative and ask them to sign on as a co-sponsor for H.R. 676. We can have a more cost effective and humane health care system in the United States, and we can even have it sooner rather than later. But we aren’t going to get it without demanding it.
Or maybe you just figure that 20 thousand dead Americans each year is good enough, or simply the best that can do.