Healthcare Reform in America:
Beyond The CLOSED-FORUM in Congress




 Please read our position paper at http://www.transa...
The Faces of Uninsured Americans
Desperately Seeking Affordable Care




                                                 ...
What the “Huddled Masses” Could NOT
 Get at Hospitals and Family Clinics




                                             ...
NONPROFIT-based Health Insurance/Care Plans are the
BEST WAY to Reverse the Artificially High Pricing from
  the Antitrust...
Low-Income Families Who Qualify for Medicaid
Coverage Can Also Find Higher Quality Coverage in
 Nonprofit Community Health...
TANC is Now Offering a NATIONAL DATABASE
    of Nonprofit Insurance Organizations




 Trans-American Alliance for a Natio...
“Social HMOs” are the Best-Kept Secrets as LOW-
  COST Nonprofit Health Insurance for Seniors and
   Exemplary Models for ...
Congress Created & Fostered Nonprofit-
based “Social HMOs” a Quarter-Century Ago!
 The creation of Social Managed Care Pla...
Select SCAN Coverage Areas &
      Monthly Rates/Co-Pays for Seniors
                                                     ...
Select Elderplan Coverage Areas &
      Monthly Rates/Co-Pays for Seniors
                                                ...
Select Kaiser Permanente of the Northwest
     (Oregon and Washington state) Coverage
    Areas & Monthly Rates/Co-Pays fo...
How SCAN Makes “Dollars and
Sense” as a Nonprofit “Social HMO”
SCAN has a contract to bill the Medicare Advantage
Prescrip...
Escalating Single Individual & Family
 Health Insurance Coverage Costs




  Source: Kaiser Family Foundation/HRET Survey ...
Spiraling Worker and Employer
 Insurance Contribution Costs




 Source: Kaiser Family Foundation/HRET Survey of Employee-...
What Would NONPROFIT Health Insurance Savings
    Translate to for Individuals & Employers?

Today, an overall $9,000 annu...
Like Consumers & Employers, the U.S.
 Government is Getting HOSED, Too!




                                              ...
A Result of the “Antitrust-Exempt Status”: Half of the
States are Monopolized by 1 or 2 BIG Health Insurers




          ...
U.S. Healthcare Spending vs. Six Other
         “Developed” Nations




                                                  ...
U.S. Health Spending is DOUBLE and QUADRUPLE
      Versus Upper- to Lower-Income Nations




                             ...
Fat Profits for “Big 6” of Health
Insurance, Even in a Down Economy




                                                  ...
Your Premiums Pay for These
Bloated CEO Salaries & Perks




                                                21
          ...
Big Health Insurance’s “Maximizing Profits & Minimizing
 Risks” Business Model = Many Unnecessary DEATHS!


    A recent H...
“Bonuses” for Rescissions/Cancellations
   of Health Insurance Policies, Yes!




                                        ...
Maintaining Profits, Minimizing Risks, Inflating Prices, and
   Shifting Co-Pay/Deductibles, and meeting Wall Street
Earni...
“DENIALS” on Medical Claims: Meet Sarah Palin’s
  True “Death Panels” — Big Health Insurance!




                        ...
Even Cuts in Federal/State Medicaid
Agencies Can Lead to Policy Rescissions




                                          ...
Melanie Shouse, A Healthcare Reform Advocate,
 Died Denied Chemotherapy Claims by Anthem




                             ...
Of the 50 million-plus Americans* without Health
 Insurance, High-Population States Hit Hardest




 * Estimates of remain...
Up to 70 Countries with Forms of “Universal
   Healthcare” — not in the U.S. though!




              Single-Payer Univer...
America’s CENTURY-LONG Struggle for a
 National “Universal Healthcare” System




                                        ...
Today’s Congress: A Byzantine, Arcane
Closed-Door Legislative Process On HCR




                                         ...
The “Worst” Congress that Big Healthcare
  and Insurance Contributions Can Buy
                                      TOTAL...
Political Satirists’ Weigh-In On Sarah
    Palin’s “Death Panel” Visions




                                             ...
A Befuddling Array of Congressional Healthcare
Reform Bill Proposals — All Leaving BIG HEALTH
        INSURANCE’s Monopoly...
Two Remaining Senate & House Proposals to
 be Reconciled for Congressional Passage?
 Affordable Health Care for           ...
Arrests of Single-Payer/Universal Healthcare
Advocates During DC’s CLOSED-FORUM Hearings




    Advocates of a “Single Pa...
A Closed-Forum/Closed-Door Health
  Reform Process in Washington




                                                  37
...
PRIORITY: Repeal of the ANTITRUST-EXEMPT
Status for Monopolistic, Big Health Insurance
   Support Congressional passage of...
PRIORITY: A “Consumer-Driven” Movement
  Towards NONPROFIT Health Insurance
 Introduction and launch of “Americans Uniting...
Two Scenarios: A Consumer/Business-Only Movement or
      Consumer/Federal Government Movement
 Scenario 1 — A Consumer/Bu...
Imagine if Producers of Unhealthy
Consumables Pay a Special HCR Tax




                                                  ...
Imagine the Creation of THOUSANDS of New
Nonprofit Health Insurance Administrator Jobs!
Multiplying the number of new nonp...
Leaders from All Religious Faiths Back
  “Accessible” Universal Healthcare
"To be without health insurance in this country...
Leaders from All Religious Faiths Back
  “Accessible” Universal Healthcare
"Every person has the right to adequate health ...
Leaders from All Religious Faiths Back
  “Accessible” Universal Healthcare
“The health of a society is truly measured by
 ...
Leaders from All Religious Faiths Back
  “Accessible” Universal Healthcare
“Of all forms of inequality, injustice in healt...
Healthcare Reform in America:
A “Consumer-Driven” NONPROFIT Movement to Break
    the Century-Old Criminalization of Healt...
"Rx For U S  Healthcare Reform": A Proposal for a  "Consumer-driven" Movement to Break the Century-Old Criminalization of ...
"Rx For U S  Healthcare Reform": A Proposal for a  "Consumer-driven" Movement to Break the Century-Old Criminalization of ...
Upcoming SlideShare
Loading in...5
×

"Rx For U S Healthcare Reform": A Proposal for a "Consumer-driven" Movement to Break the Century-Old Criminalization of Healthcare - Full Presentation

2,576

Published on

ONLY YOU, WITH YOUR CHECKBOOK$, CAN BRING ABOUT “TRUE” HEALTHCARE REFORM!

A Proposal for a Consumer Union-like Approach to "Nonprofit Community Health Plans & Insurance"
and
An Independent “Nonprofit Health Insurance Exchange” to Operate Autonomously of the U.S. Government and Antitrust-Exempt “For-Profit/Big Health Insurance” Monopolies

Dear Fellow Americans & Concerned Healthcare Reform Advocates:

After following this year-long, on-again/off-again Congressional legislative process for Healthcare Reform, I’m guessing like many of you — fellow Americans — the level of frustration, anxiety and lack of utter empowerment leaves us wondering what was the entire point of this CLOSED-DOOR/CLOSED-FORUM Congressional “exercise in futility” all about from the beginning?

Is this 1994 all over again, with the collapse of the Clinton Administration’s own, largely internalized Healthcare Reform initiatives?

Actually, this deliberate Rat Hole-like maze stonewalling of Healthcare Reform goes back over 100 years and has emboldened For-Profit/Big Health Insurance for nearly the last 65 years of the antitrust-exempt status that the federal government bestowed upon them to “institutionalize” the criminality of our “Have or Have-Not Healthcare” patchwork quilt.

And now, Republicans and some “Blue Dog” Democrats want to scrap the eight or so Byzantine draft healthcare reform bills and head “back to the table” with a new “Healthcare Summit” later this month — with all of the ground rules and major negotiating points “entirely” framed by our elected representatives, all of whom have been long-time beneficiaries in millions of dollars of Big Healthcare contributions. Something seems rigged here, again, unfortunately. Haven’t we been down this road far too many times and for long enough?

Today, our small grassroots Citizens Advocacy and Direct Democracy organization would like to present to you, all Americans, a proposal to take back the Healthcare Reform process “externally” with a “Consumer Union”-like movement towards shifting consumer and group employee-business dollars to “ethics-based” Community NONPROFIT Health Plan/Insurance Organizations.

There are currently over 150 community-based NONPROFIT Health Plans/Insurance Organizations (and affiliates) operating in about 45 states of the Union and the District of Columbia offering LOWER-COST premiums, along with BROADER COVERAGE MENUS and CARE SERVICES — than what the antitrust-exempt For-Profit/Big Health Insurance carriers have been whittling away in their “punitive, profit-obsessive” business practices. The only way to break this century-old pattern of this “Live-or-Let-Die,” systemically institutionalized DENIALS- and RESCISSIONS-based For-Profit/Big Health Insurance (claiming an estimated 44,800 needless American deaths annually, according to a recent Harvard Medical study) is for consumers to take action with their checkbooks, working outside of Big Healthcare’s criminally complicit federal government by shifting your much-deserved business and health insurance coverage to “ethics-based” NONPROFIT Health Plans.

For those reasons, I would like to invite you to check out a video presentation and/or position paper, "Rx for U.S. Healthcare Reform," authored by our Citizens’ Advocacy organization, Trans-American Alliance for a National Consensus (TANC), for your consideration.

The “standard” abridged version of the presentation advocates a dual "Consumer/Business-driven Movement for Nonprofit Healthcare,” which is available for streaming video viewing on your computers at the hyperlink below. It expresses in some detail the massive differences between "ethics-based" Nonprofit Health Plan/Insurance Organizations versus the government-sanctioned, antitrust-exempt For-Profit/Big Health Insurance carriers monopolizing and artificially-inflating pricing on premiums in ma

0 Comments
5 Likes
Statistics
Notes
  • Be the first to comment

No Downloads
Views
Total Views
2,576
On Slideshare
0
From Embeds
0
Number of Embeds
2
Actions
Shares
0
Downloads
154
Comments
0
Likes
5
Embeds 0
No embeds

No notes for slide

Transcript of ""Rx For U S Healthcare Reform": A Proposal for a "Consumer-driven" Movement to Break the Century-Old Criminalization of Healthcare - Full Presentation"

  1. 1. Healthcare Reform in America: Beyond The CLOSED-FORUM in Congress Please read our position paper at http://www.transamericanalliance.org Copyright © 2010, Trans-American Alliance for a National Consensus ALL RIGHTS RESERVED
  2. 2. The Faces of Uninsured Americans Desperately Seeking Affordable Care 2 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  3. 3. What the “Huddled Masses” Could NOT Get at Hospitals and Family Clinics 3 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  4. 4. NONPROFIT-based Health Insurance/Care Plans are the BEST WAY to Reverse the Artificially High Pricing from the Antitrust-Exempt, For-Profit Insurance Carriers Start by Finding a LOW-COST Community Health Provider at… Go to www.communityplans.net to find local carriers! • AANHC represents over 30 nonprofit state/community health plans. Visit www.nonprofithealthcare.org for a list of plans and hyperlinks to their websites. • 83% of nonprofit-based health plans, according to a J.D. Powers survey1, had above-average customer satisfaction scores — compared to a 47% satisfaction score for For- Profit/Big Health Insurance plans. J.D. Powers survey 4 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  5. 5. Low-Income Families Who Qualify for Medicaid Coverage Can Also Find Higher Quality Coverage in Nonprofit Community Health Plan Organizations Start by Finding a LOW-COST Community Health Provider at… Go to www.communityplans.net to find local carriers! The Association for Community Affiliated Plans offer: • ACAP represents 45 not-for-profit health plans in 24 states • Six member community health organizations were voted “America’s Best Health Insurance Plans” in an annual ranking report completed by U.S. News & World Report and the National Committee for Quality Assurance (NCQA) 5 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  6. 6. TANC is Now Offering a NATIONAL DATABASE of Nonprofit Insurance Organizations Trans-American Alliance for a National Consensus (TANC) http://www.transamericanalliance.org Featuring an online database/directory of over 150 Nonprofit Health Insurance Organizations and Affiliates to locate and hyperlink to in your state for LOWER-COST and BROADER COVERAGE health plans. 6 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  7. 7. “Social HMOs” are the Best-Kept Secrets as LOW- COST Nonprofit Health Insurance for Seniors and Exemplary Models for the Entire U.S. Population “Medicare Advantage Prescription Drug” (MA-PD) Social HMOs: 7 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  8. 8. Congress Created & Fostered Nonprofit- based “Social HMOs” a Quarter-Century Ago! The creation of Social Managed Care Plans (aka “Social HMOs”) was enacted by Congress under the Federal Deficit Reduction Act of 1984. Although a tiny niche of the Senior health insurance system, the handful of “Social HMOs” have been operating as a sub-classification of the Medicare Advantage Prescription Drug (MA-PD) program — helping to relieve Medicare of the logistical and financial costs of managed senior care. Among the “Social HMO” roster, leading the nonprofits is SCAN Health Plan of Southern and Northern California, Elderplan of the 5 boroughs of New York City and Kaiser Permanente of the Northwest (Oregon and Washington state). 8 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  9. 9. Select SCAN Coverage Areas & Monthly Rates/Co-Pays for Seniors Benefits Overview “Classic” Plan Benefits/Services In-Network “Options” Plan $0 Per Month * Monthly Plan Premium $0 Per Month * $5 Co-Pay Per PCP Doctor Office Visits $0 Co-Pay Per PCP $10 Per Specialist $0 Per Specialist $50 Co-Pay: Days 1-8 In-Patient Hospital Care $0 Co-Pay: All Days $0 Co-Pay: Days 9-90 $0 Co-Pay Diagnostic Tests, X- $0 Co-Pay Rays & Lab Services $0-$5 Co-Pay on Generics Contracted Pharmacy $0-$10 Co-Pay on Generics $28 Co-Pay Brand Drugs Prescriptions: 1-31 days $30 Co-Pay Brand Drugs * SCAN Health Plan has a contract with Medicare to bill for the “standard” base-rate premium deduction ($96.40 per month in 2009) automatically deducted from the individual’s Medicaid/Medicare account; additional monthly charges might be incurred, including for “Special Needs Patients.” 9 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  10. 10. Select Elderplan Coverage Areas & Monthly Rates/Co-Pays for Seniors Benefits Overview “Elderplan Classic I” Plan Benefits/Services In-Network “Elderplan Classic II” Plan $0 Per Month * Monthly Plan Premium $0 Per Month * $5 Co-Pay Per PCP Doctor Office Visits $0 Co-Pay Per PCP $20 Per Specialist $0 Per Specialist $100 Co-Pay: Days 1-7 In-Patient Hospital Care $100 Co-Pay: Days 1-7 $0 Co-Pay: Days 8-90 $0 Co-Pay: Days 8-90 $0 Co-Pay Diagnostic Tests, X- $0 Co-Pay $80 Co-Pay Radiology Rays & Lab Services $80 Co-Pay Radiology $0 Co-Pay on Generics Contracted Pharmacy $0 Co-Pay on Generics $25 Co-Pay Brand Drugs Prescriptions: 1-31 days $25 Co-Pay Brand Drugs * Elderplan has a contract with Medicare to bill for the “standard” base-rate premium deduction ($96.40 per month in 2009) automatically deducted from the individual’s Medicaid/Medicare account; additional monthly charges might be incurred, including for “Special Needs Patients.” 10 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  11. 11. Select Kaiser Permanente of the Northwest (Oregon and Washington state) Coverage Areas & Monthly Rates/Co-Pays for Seniors Benefits Overview “Senior Advantage Basic” Plan Benefits/Services In-Network “Senior Advantage” Plan $39 Per Month * Monthly Plan Premium $99 Per Month * $30 Co-Pay Doctor Office Visits $20 Co-Pay $250 Co-Pay: Days 1-4 In-Patient Hospital Care $200 Co-Pay: Days 1-4 $0 Co-Pay: All Other Days $0 Co-Pay: All Other Days $0 Co-Pay Diagnostic Tests, X- $0 Co-Pay Rays & Lab Services $10 Co-Pay on Generics Contracted Pharmacy $10 Co-Pay on Generics 100% Co-Pay Brand Drugs Prescriptions: 1-31 days 100% Co-Pay Brand Drugs * Kaiser Permanente has a contract with Medicare to bill for the “standard” base-rate premium deduction ($96.40 per month in 2009) automatically deducted from the individual’s Medicaid/Medicare account; in addition to charging additional monthly charges, including for “Special Needs Patients.” 11 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  12. 12. How SCAN Makes “Dollars and Sense” as a Nonprofit “Social HMO” SCAN has a contract to bill the Medicare Advantage Prescription Drug (MA-PD) program and is reimbursed at the $96.40 per-month/per-individual “Medicare-minimum” base rate (normally deducted from “standard” premiums). With SCAN serving over 110,000 Senior Citizens in Southern California (and recently expanding into Northern California and the Phoenix, Arizona region), Wikipedia.org estimates SCAN earns $1.3 billion in reimbursements translating to roughly $98.48 per-month/per-person rate — or $1,181 per- person for a year. 12 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  13. 13. Escalating Single Individual & Family Health Insurance Coverage Costs Source: Kaiser Family Foundation/HRET Survey of Employer-Sponsored Health Benefits, 1999-2009 13 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  14. 14. Spiraling Worker and Employer Insurance Contribution Costs Source: Kaiser Family Foundation/HRET Survey of Employee-Sponsored Health Benefits, 1999-2009 14 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  15. 15. What Would NONPROFIT Health Insurance Savings Translate to for Individuals & Employers? Today, an overall $9,000 annual average for Health Insurance coverage (from “individual” and “family” premiums) to insure 160 million Americans translates to roughly $1.4 trillion in health insurance expenditures annually. The $3,000 or so per-year overall premium average with nonprofit “Social HMOs” health insurance would conversely translate to a $480 billion annual national expenditure. Nonprofit-only insurance would SHAVE two-thirds off today’s $1.4 trillion in national Private/For-Profit insurance expenditures. 15 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  16. 16. Like Consumers & Employers, the U.S. Government is Getting HOSED, Too! 16 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  17. 17. A Result of the “Antitrust-Exempt Status”: Half of the States are Monopolized by 1 or 2 BIG Health Insurers 17 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  18. 18. U.S. Healthcare Spending vs. Six Other “Developed” Nations 18 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  19. 19. U.S. Health Spending is DOUBLE and QUADRUPLE Versus Upper- to Lower-Income Nations 19 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  20. 20. Fat Profits for “Big 6” of Health Insurance, Even in a Down Economy 20 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  21. 21. Your Premiums Pay for These Bloated CEO Salaries & Perks 21 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  22. 22. Big Health Insurance’s “Maximizing Profits & Minimizing Risks” Business Model = Many Unnecessary DEATHS! A recent Harvard Medical Study (Sept. 2009) cited 44,800 Americans unnecessarily DIE due to inadequate or no health insurance coverage. In 1997, a New England Journal of Medicine had estimated 100,000 needless American deaths for citizens lacking quality insurance coverage and none at all. 22 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  23. 23. “Bonuses” for Rescissions/Cancellations of Health Insurance Policies, Yes! 23 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  24. 24. Maintaining Profits, Minimizing Risks, Inflating Prices, and Shifting Co-Pay/Deductibles, and meeting Wall Street Earnings/Profit Estimates – An Exploitive, Criminal Marriage 24 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  25. 25. “DENIALS” on Medical Claims: Meet Sarah Palin’s True “Death Panels” — Big Health Insurance! PBS’s Bill Moyers’ interview with former CIGNA executive Wendell Potter, a whistleblower who speaks in detail of Big Insurance industry Nataline Sarkisyan practices, offered the most riveting and shocking behind the scenes details about CIGNA’s foot-dragging and long-standing DENIALS on medical claims, including the circumstances involved with the death of Nataline Sarkisyan. 25 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  26. 26. Even Cuts in Federal/State Medicaid Agencies Can Lead to Policy Rescissions 26 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  27. 27. Melanie Shouse, A Healthcare Reform Advocate, Died Denied Chemotherapy Claims by Anthem 27 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  28. 28. Of the 50 million-plus Americans* without Health Insurance, High-Population States Hit Hardest * Estimates of remaining uncovered Americans, based on U.S. Census Bureau data (Sept. 16, 2009), stood at 46.3 million uninsured Americans. However, with an estimated 14,000 Americans losing coverage every day, the ongoing, most up-to-date calculations from the Center for American Progress is that the total of uninsured Americans is around 51.5 million people as of January 9, 2010. 28 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  29. 29. Up to 70 Countries with Forms of “Universal Healthcare” — not in the U.S. though! Single-Payer Universal Healthcare Systems Other, Various Forms of Universal Healthcare Systems No Forms of Universal Healthcare or No Data Available Universal Healthcare world map courtesy of Wikipedia.org (through December 2009) 29 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  30. 30. America’s CENTURY-LONG Struggle for a National “Universal Healthcare” System 30 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  31. 31. Today’s Congress: A Byzantine, Arcane Closed-Door Legislative Process On HCR 31 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  32. 32. The “Worst” Congress that Big Healthcare and Insurance Contributions Can Buy TOTAL HEALTH LOBBY CONTRIBUTIONS (1989-2010) 32 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  33. 33. Political Satirists’ Weigh-In On Sarah Palin’s “Death Panel” Visions 33 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  34. 34. A Befuddling Array of Congressional Healthcare Reform Bill Proposals — All Leaving BIG HEALTH INSURANCE’s Monopoly Intact! “Patient Protection and Affordable Care Act” (S. 3590) “Affordable Health Care Act” (H.R. 3962, Rep. John Dingell, D-Mich.) “America’s Healthy Future Act” (S. 1796, Sen. Max Baucus, D-Montana) “America’s Affordable Health Choices Act of 2009” (H.R. 3200) “Healthy Americans Act” (S. 391, Sens. Ron Wyden, D-Oregon, Robert Bennett, R-Utah) “The Medicare for All Act” (H.R. 676, “Single-Payer Bill,” Rep. John Conyers, D-Ohio) “Access to Insurance for all Americans Act” (H.R. 3438, Rep. Darrell Issa, R-Calif.) “Patients’ Choice Act” (H.R. 2520, Rep. Paul Ryan, R-Wisc.) 34 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  35. 35. Two Remaining Senate & House Proposals to be Reconciled for Congressional Passage? Affordable Health Care for Patient Protection and America Act (H.R. 3962): Affordable Care Act (S. 3590): 5.4% surtax on incomes over $500,000 Increases Medicare payroll tax from for individuals and $1 million for 1.45% to 2.35% on incomes over $200,000 families. for individuals and $250,000 for families. Public Option coverage for low-income No public option. But, Medicaid Americans. Medicaid expanded to 150% expanded to 133% of the Federal Poverty of the Federal Poverty Level. Level. Single National health insurance Instead, Feds mandate newly-created exchange with both private and Public State Insurance Exchanges to include at Option plans; States can run their own least two “national” health plans — one exchanges under federal guidelines. of those being a private NONPROFIT plan. CBO Cost Estimate: $1.050 trillion over 10 years. CBO Estimate: $871 billion over 10 years. Proposes covering 29 to 30 million Proposes providing “loan assistance” on Americans, but could leave over 20 health insurance policies to 31 million million uninsured. * Americans, but no actual “Public-Option” aid. * Estimates of remaining uncovered Americans, based on U.S. Census Bureau data (Sept. 16, 2009), stood at 46.3 million uninsured Americans. However, with an estimated 14,000 Americans losing coverage every day, the ongoing, most up-to-date calculations from the Center for American Progress is that the total of uninsured Americans is around 51.5 million people as of January 9, 2010. 35 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  36. 36. Arrests of Single-Payer/Universal Healthcare Advocates During DC’s CLOSED-FORUM Hearings Advocates of a “Single Payer” and “Universal Healthcare” had to make their feelings known quickly as Sen. Max Baucus (D-MT), chairman of Senate Finance Subcommittee holding hearings on Healthcare Reform, had security officers quickly escort them out due to the CLOSED-DOOR nature of the HCR debate. 36 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  37. 37. A Closed-Forum/Closed-Door Health Reform Process in Washington 37 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  38. 38. PRIORITY: Repeal of the ANTITRUST-EXEMPT Status for Monopolistic, Big Health Insurance Support Congressional passage of Sen. Patrick Leahy’s (D-Vt.) proposed bill, “The Health Insurance Industry Antitrust Enforcement Act,” for the immediate repeal of The McCarran-Ferguson Act – a 65- year-old “antitrust exemption” bestowed upon the Health Insurance industry. Central to Leahy’s bill is stripping Health Insurance and Medical Malpractice Insurance companies of their monopoly powers condoning “flagrant antitrust violations, including price-fixing, bid rigging, and market allocations.” Potentially shift or amend regulatory oversight of Health Insurance/Medical Malpractice Insurance from state insurance commissions to federal oversight – making sure our “elected” representatives and the federal courts live up to their Constitutional law obligations. 38 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  39. 39. PRIORITY: A “Consumer-Driven” Movement Towards NONPROFIT Health Insurance Introduction and launch of “Americans Uniting for an Independent Nonprofit Health Insurance Exchange” as an entirely autonomous, consumer-run, national nonprofit insurance authority. With an online database and participation of over 150 nonprofit-based “Health Insurance Organizations” (HIOs) across the United States, the newly-formed Americans Uniting for Nonprofit Health Insurance (AUNHI) association will look to be a “clearinghouse/exchange” for LOWER-COST health insurance available to both consumers and businesses of all sizes. Short of the federal government agreeing to enforce Constitutional laws, AUNHI will look to represent consumers in setting “Uniform Billing/Claims” practices and a standardized/industry-wide “Personal Electronic Medical Record-Keeping” system with participating Health Insurance and Healthcare Providers. 39 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  40. 40. Two Scenarios: A Consumer/Business-Only Movement or Consumer/Federal Government Movement Scenario 1 — A Consumer/Business-Only Scenario 2 — A Consumer/Business and Federal Movement for Nonprofit Health Insurance Government Union for Nonprofit Health Organizations: Insurance: Consumers opt for Nonprofit-based Health Consumers & businesses would be able to Insurance by searching through an “Americans search through a federally-endorsed “Nonprofit Uniting for an Independent Health Insurance Health Insurance Exchange Exchange” database system. The federal government could levy a new Locate and secure community-based nonprofit corporate surtax on “Unhealthy/Addictive Health Insurance Organization coverage in Consumable Products” (i.e. tobacco products, urban or rural centers around the country. fastfood chains, etc.), raising between $25-$50 billion annually to offer “Public Option”-like Consumers and businesses would be able to subsidization of low-income Americans who negotiate greatly discounted, “Medicare- can’t afford regular coverage. minimum” base-rate premiums with individual nonprofit carriers. Potentially, a 1-2% “general” surtax on all other corporations could raise between $140 billion to A 10-20% add-on monthly premium charge $280 billion in new tax revenues, which could be could help to subsidize an aid program for low- utilized for the “startup” cost to create other income, uninsured Americans to obtain new nonprofit Health Insurance Organizations temporary, 1 year transitional term health and partially subsidize a Public Option subsidy insurance coverage – placed under renewal plan as well. review on a year-to-year basis. A federal bond-issue program, under a A set of “standardized” by-laws to be bannered “Federal Nonprofit Insurance established between the Consumer Union and Conversion Corporation,” could also be formed Nonprofit HIOs to establish a “Uniform Billing & temporarily to finance the “Buyback of Claims Processing System” and potentially a outstanding public shares in the established “Personal Electronics Medical Records” system Private/For-Profit Insurance Corporation – with participating nonprofit HIOs and other effectively providing an avenue for Big Health healthcare/medical providers. Insurance companies to de-list from stock exchanges and become nonprofit orgs instead. 40 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  41. 41. Imagine if Producers of Unhealthy Consumables Pay a Special HCR Tax 41 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  42. 42. Imagine the Creation of THOUSANDS of New Nonprofit Health Insurance Administrator Jobs! Multiplying the number of new nonprofit, “ethics-based” Health Insurance Organizations will have many tangible/intangible benefits for the U.S. economy. 42 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  43. 43. Leaders from All Religious Faiths Back “Accessible” Universal Healthcare "To be without health insurance in this country means to be without access to medical care. But health is not a luxury, nor should it be the sole possession of a privileged few. We are all created b'tzelem elohim — in the image of God — and this makes each human life as precious as the next. By 'pricing out' a portion of this country's population from health care coverage, we mock the image of God and destroy the vessels of God's work.“ — Rabbi Alexander Schindler, Past President, Union of American Hebrew Congregations (1992) 43 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  44. 44. Leaders from All Religious Faiths Back “Accessible” Universal Healthcare "Every person has the right to adequate health care. This right flows from the sanctity of human life and the dignity that belongs to all persons, who are made in the image of God... Our call for health care reform is rooted in the biblical call to heal the sick and to serve 'the least of these,' the priorities of justice and the principle of the common good. The existing patterns of health care in the United States do no meet the minimal standard of social justice and the common good." — Resolution on Health Care Reform, U.S. Catholic Bishops, 1993. 44 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  45. 45. Leaders from All Religious Faiths Back “Accessible” Universal Healthcare “The health of a society is truly measured by the quality of its concern and care for the health of its members... The right of every individual to adequate health care flows from the sanctity of human life and that dignity belongs to all human beings... We believe that health is a fundamental human right which has as its prerequisites social justice and equality and that it should be equally available and accessible to all.” — Imam Sa'dullah Khan, The Islamic Center of Southern California 45 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  46. 46. Leaders from All Religious Faiths Back “Accessible” Universal Healthcare “Of all forms of inequality, injustice in healthcare is the most shocking and inhumane.” — Rev. Dr. Martin Luther King, Jr. (1966) "One of the central public policy questions for U.S. citizens today is whether the richest nation on earth will continue to allow millions of poor people to exist without health insurance. To do so violates biblical justice. How can any Christian read what the Bible says about the poor and what Jesus says about the sick without hearing a divine call to demand that every person in this nation, starting with the poor, have access to health insurance?" — from "Just Generosity" by Ronald Sider, founder of Evangelicals for Social Action 46 Copyright © 2008 Michael A. Freeman ALL RIGHTS RESERVED
  47. 47. Healthcare Reform in America: A “Consumer-Driven” NONPROFIT Movement to Break the Century-Old Criminalization of Healthcare Please read our position paper at http://www.transamericanalliance.org Copyright © 2010, Trans-American Alliance for a National Consensus ALL RIGHTS RESERVED
  1. A particular slide catching your eye?

    Clipping is a handy way to collect important slides you want to go back to later.

×