Fix This, Barack

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COBRA Insurance is a Law that was passed by the Congress in the year 1986. United States is the only country that offers health insurance coverage to many of the Americans. In many companies the employer...

In this day and age of the recession and people being laid off, people are turning to insurance as a form of way that will help them survive as the times become harder.

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Dear President Obama:

I see that hospitals overcharge for services for a couple of reasons. First, they are forced to care for uninsured people who pay $0 for their care, and second, they know the insurance companies are going to discount the payment for the insured patients.

Indigent patients aren't affected, because ignoring medical bills and the impact this would have on their credit standing doesn't really have a consequence for them because they aren't applying for mortgages, car loans, student loans, etc.

The insured folks are making out okay.

The ones who really are affected are the uninsured, middle class patients. They care about their credit rating, so they can't let insurance bills go unpaid. But, they can't afford to pay the inflated prices that were marked up in the first place.

I say the answer is that health care providers be forced to charge actual costs plus a small profit for services, and be allowed to charge three other line items:

1. A line-item for an "uninsured surcharge", that covers them for care to the indigent
2. A line item for "insurance processing" that would cover their costs for paperwork and insurance company discounts when they have to bill an insurance company.
3. A third line item for using the emergency room would help discourage people from using the emergency room for non-critical care that should be handled by a regular doctor or clinic, but could be waived for actual critical-care, such as for a motor vehicle accident.

A sample bill would look something like this:

Xrays (3 views)............. $100.00
Radiologist reading..........$ 25.00
Emergency room fee...........$ 30.00
Emergency room fee waiver...($ 30.00)
Unisured surcharge...........$ 92.00
Insurance processing.........$178.00
TOTAL BILLED.................$395.00

People should be able to take all "unisured surcharge" fees as a credit on their taxes. This way, the hospital is paid more directly for their services to the poor (less bureacratic red-tape), and the taxpayers get credit for supporting the poor directly, rather than having their income redistributed via inefficient government agencies.

As a further way to reduce hospital and healthcare costs, insurance companies should set up health reimbursement accounts for their insured. These accounts would reimburse patients for health-care related charges up to the account limit, say $2,000.

The insured pays cash for health expenses, and then submits receipts for reimbursement. Whatever they don't spend from this account, they get back at the end of the year, tax free. If they have expenses exceeding $2,000, then the insurance company is billed directly, with the line item mentioned above.

The benefit of this is that people would have an incentive to keep costs down and would shop around for prescriptions and care, insurance companies would benefit by having lower costs, and health care providers would benefit from more cash payments, cutting down their paperwork and insurance company-related costs.

Also, hospitals should be required to post all standard fees for services on a website, so patients can shop hospitals around for services more easily. It would also help hospitals benchmark against each other.

Just thought you might be interested to know. The President can't create, by himself, domestic jobs or reduce our dependence on fossil fuel.

To create "real" domestic jobs, he can only help push to reduce taxes that would have otherwise been re-invested back into the business. The more the business grows the greater the need for more employees (and therefore more jobs). He can also push to deregulate business and industries that no longer require the Government (Such as space programs, the postal service, etc...).

Unfortunately, building roads and other public works just redistributes tax money and doesn't really create new money. Only banks can create new money through the form of loans and the money multiplier effect when they loan out the money several times on one deposit.

I know, creating 1 million jobs sounds impressive, but that only accounts for about 0.0028% of the total US population, and only about 1% of the tax paying population. So really you have just redistributed money from the other 99% of the tax paying population in to the pockets of the 6-7% of unemployed people looking for jobs (This is a really low number by the way, we had 25%+ unemployment during the great depression).

As for reducing our dependence on fossil fuels, there is currently no other source as efficient, clean burning and cost effective than petroleum. So the only thing that the President can can do is push to impose higher taxes on fossil fuels to the point that we have more incentive to use an alternative source. However, this doesn't really make that alternative more efficient or better for the environment. The hydrogen car looks great on paper, but where do you think hydrogen comes from? How do you think it's refined? It's refined using electricity, which comes from burning things (coal, diesel, etc). It doesn't come from wind energy. Trust me, if it was more efficient (accounting for every variable), we'd be using it already.

The only thing that the government can or can't do, is decide how much it wants to stand in the way of business, business that could be developing new and innovative technologies. For example, new and innovative technologies for refining hydrogen. Placing higher taxes on those companies takes money away from them that would be used to reinvest in themselves or higher new educated employees to discover new things for them (PhD's don't come cheap!)

Think about how much you enjoy technologies that were just developed in the last 50 years... 25 years... 10 years... 5 years... 1 year... Cell phones? TV's? The Internet? Seriously, I can speak with, from anywhere in the world, anyone else in the world for hardly any money at all. Only a few years ago, if I got lost driving somewhere I had have a quarter for a payphone and a prayer that someone was near a landline on the other end. Now my phone's GPS does all the work for me.

Think about it. Don't stand in the way with an uneducated vote.

Mr. President - When I voted for you on Nov 4th, I earned the right to hold you accountable for your actions as President. And, as your first and highest priority, you should find and punish those responsible for the worst economic crisis in modern history. How can we witness this catastrophic event and speculate into its causes and then throw $700Billion in tax payer dollars at the problem and hold absolutely no one accountable for the causes. You want to do something historic, appoint a large independent council (with watchdog groups as part of the team) to investigate the law makers, executives at the banks and Wall St to find the failed policies and practices that led to this crisis. Once you've found these criminals, use the full extent of the law to prosecute them and then move to make swift and specific regulation and legislative changes to ensure this never happens again.

It is very clear this crisis was self induced and has shamed the US in front of the entire world as the greed of a few so-called smart people created economic chaos for the entire world. It's criminal and unconscionable that these acts have been perpetrated without even a congressional inquiry into the cause. Are we, the people that stupid, that we would allow this to happen.

VOTE FOR THIS IDEA AND FORCE OUR GOV'T TO DO THEIR JOB!!!!

With the retirement funds of our Senior Citizens devalued by as much as 45% and more our Seniors are in need of desperate help. Create a temporary (5 years) program whereas Seniors over age 65 and unemployed would be free from personal property taxes, real estate taxes, vehicle license fees and excise or sales taxes on vehicles. Many of our Senior Citizens cannot wait 5-10-20 years to recover their losses in their retirement accounts. Plus if they are free from all of these taxes they might be able to buy needed items thereby helping the economy. Why penalize those who have given a life tiem helping the country.