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Spotts1701's avatar

Again, when I was in my 20s and had total kidney failure, my mom's insurance kept trying to deny the coverage of dialysis treatments on the grounds that I did not actually exist.

No really, they claimed I wasn't a real person so they wouldn't pay the money. At one point my mom told them she would gladly pay for a plane ticket for me to show up in person at their corporate headquarters, followed by a lawsuit.

They made the payments.

Herr Snackmeier's avatar

We have the private insurance nightmare in this country because there's a lot of money to be made insuring healthy people.

But, I've always had a spare, grim chuckle for the ironies of how we ended up with this service model in the first place.

To prevent inflation from eroding the value of the precious national capital expended to prosecute World War II, Congress and FDR instituted wage controls. Kaiser Steel needed more and better workers, but couldn't offer more pay because of the controls. Hank Kaiser asked the feds, could I sweeten the pot by letting workers see factory doctors and nurses for more than injuries? US said sure. Kaiser married health care to employment.

The war ends with Allied victory. Do-Nothing Republican Congress refuses Truman's totally practical national health care plan. By mid-century, Kaiser's factory doctor's offices have become entire systems of doctors and hospitals. In 1961, a washed-up 1940s actor is hired by the American Medical Association to give speeches criticizing "socialized medicine." The actor, a fellow named Ronald Reagan, cuts the speech as a long-playing vinyl record. On it, he intones: "Pretty soon your son won't decide when he's in school, where he will go or what he will do for a living. He will wait for the government to tell him."

American manufacturing employment peaks in the mid-1960s. During the Great Society Era, there's enough of federal revenue surplus that powerful Ways & Means Chairman Wilbur Mills (when not wrestling a burlesque artist in DC's Tidal Basin) and LBJ (when not inventing military confrontations in the Gulf of Tonkin) pass a stripped down version of Truman's health coverage plan. It only applies only to the elderly.

Meanwhile, economic royalists the Koch Brothers invite "Austrian School" economist Friedrich Hayek to return to the United States to work for their new right-wing political organization. (They were big fans of Hayek's "The Road to Serfdom," a polemic warning that Western European social democracy will lead to governments that decide where people go, what students will study and what workers will do for a living.)

Hayek politely declines, citing his age and failing health, and noting that the United States does not, unlike Austria, provide socially-insured health care. He explains that he would lose his if he moved back to the States. The Kochs send Hayek a Medicare brochure. Hayek elects to remain at the University of Salzburg.

Deindustrialization begins, accelerating through the 1970s and going into a flat-out run in the 1980s. As just one example, the Lackawanna Works of Bethlehem Steel, one of the largest full-run (ore to finished goods) mills on the planet, is essentially shuttered in a day, putting tens of thousands of people out of work, bankrupting its home city and leaving square miles of decaying buildings and utterly polluted brownfield to litter the shore of Lake Erie.

Anti-Medicare shill Ronald Reagan, now president of the United States, answers the pleas of affected workers with a suggestion they all move to Texas where there are jobs. He offers no idea as to who would, or why anyone would, buy workers' now-worthless homes.

The industrial might that coupled health care to employment rapidly disappears, but the health care-insurance model remains -- it's hugely profitable, as long as insurers don't have to insure sick people.

Technical fixes like "managed care," which limit "utilization" keep profits up while reducing value to consumers. But with the number of insured people declining as non-manufacturing and non-union employers drop insurance as a benefit, each technical 'fix' has diminishing returns. Through the George HW Bush years, health insurance pricing soars. The United States Government, through Medicare, Medicaid and veteran's benefits pays for a full third of all health care in the country. Yet, profit interests drive the industry.

During a 1992 campaign stop in Ohio, born-rich President George HW Bush draws grim laughs from a crowd when he criticizes wait times of up to two hours in Toronto emergency rooms, blaming the circumstance on Ontario's sales-tax funded, single-payer system. The audience knew Cleveland hospitals waits were far longer, and not free.

A new president, the first Democratic Southern governor elected since Jimmy Carter, proposes "Health Security," a single-payer plan. He flashes a prototype card at an address to Congress. The details haven't been worked out. Clinton appoints his spouse to leadership role in policy development. Their political rivals use TV ads, and new tools of talk radio, fax newsletters and targeted communication to a growing number of armed anti-government cliques, known as 'militias' to smear Hillary Clinton. In the next by-election, a new breed of vicious Republicans defeat Bill Clinton's Democrats to take control of the US House for the first time since before Watergate. The Health Security plan is dead.

The stuff since then you know.

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