Gene's Footnotes

I have never been impressed by the messenger and always inspect the message, which I now understand is not the norm. People prefer to filter out discordant information. As such, I am frequently confronted with, "Where did you hear that...." Well, here you go. If you want an email version, send me an email.

February 27, 2013

Oh, just a little sidebar

TO:  paul@morrischamber.org

I was amused by the fantasy gibberish of the plus-good double speak in the ad below, but now I am concerned that there are people who actually know nothing about how the world works, yet are compelled to organize events to demonstrate it to like-minded folks, those not really paying attention, and forced audiences.

I have decided to keep this email and use it as a demonstration of the mental dysfunction that is destroying our economy and society. What is astounding is this is from a Chamber of Commerce.  

Then again, let me offer some copy.  Feel free to use it as no one actually reads this stuff:

Welcome to our intervention into the assurance of sustainable methodologies based upon a triple bottom line leadership focus where flexibility will highlight how the new sustainable leaders will be ablt to direct the Greening of stuff by talking about development and producing state-of-the art green banners that will be placed by the bathroom of progressive companies interested in developing LeaderShip qualities that will initiate the proper-thinking patters designed to flexibly fund LeaderShip programs and progressive consulting organization that pay their employees to stand before audiences that may be programmed into proper ways of addressing new, innovative strategies using modern steps to developing Green stuff. Then, we will all live happily ever after

Gene Cunningham


On Feb 15, 2013, at 12:59 PM, Transitioning to Green LLC wrote:

We help you integrate sustainability into all aspects of your business.
Like us on Facebook  View our profile on LinkedIn  Follow us on Twitter
Five workshop days of learning in leadership.

When:
To be held over five consecutive Fridays:
April 26, May 3. May 10, May 17, May 24, 2013.

Register Now
Early bird rates expire March 15th:
$2,000 for MCCC members.
$2500 for non MCCC members

Directions To Morris County Chamber
Featured Article
"Leadership Development 3.0: Triple Bottom Line Leadership for the 21st Century,"  
Leadership Excellence, 
by Jeana Wirtenberg,
June 2012:       
News
Leadership Excellence Rankings of the top 500 programs in leadership development named Transitioning to Green to its 2012 list for LeaderShip Development 3.0. 


Greetings!

Register Now for LeaderShip Development 3.0
 
 Hosted by Morris County Chamber of Commerce 

Leadership for embedding sustainability
 throughout your company
.
 
A new reality is emerging in which sustainability is a key concern and a pivotal driver for your company's future. An overwhelming majority of corporate CEOs - 93 percent - believe that sustainability will be critical to their future success, and that a tipping point will soon be reached. Sustainable business practices are rapidly becoming the only way business can and should be done (UN Global Compact-Accenture CEO Study 2010).  

Yet most business leaders do not know how to embed sustainability into their company, its strategies, processes, systems and, perhaps most importantly, into its culture and its people.

While a number of sustainability programs focus primarily on the environmental and operational aspects of sustainability, LeaderShip Development 3.0 is unique in that it focuses on fully integrating sustainability into every aspect of your company, including the people side of your business.   

Transitioning to Green has designed a cutting-edge leadership development program focused on the triple bottom line (people, planet, and profits). In partnership with business simulation developer GlobStrat Academy, and utilizing GlobStrat's state-of-the-art proven business simulation, participants experience the equivalent of six years of leading and implementing sustainable business practices.
    
Participants who complete the program will be able to:
  • Develop their own sustainable leadership capacities, including their adaptability, resilience, versatility, creativity, and ecological  intelligence
  • Define a sustainable, triple bottom line strategy for competitive advantage
  • Translate a sustainable strategy into aligned, coherent action
  • Integrate every function in a business with sustainability and societal responsibility
The program will be hosted at the Morris County Chamber of Commerce, 325 Columbia Turnpike #101  Florham Park, NJ 07932 from 8:30 AM-5 PM over five consecutive Fridays: April 26, May 3. May 10, May 17, and May 24.

For more information about LeaderShip Development 3.0 Click here     
To Register for our program Click here
  
To discuss the program in more detail, or if you have any questions about your participation in the program, please contact me at 973-335-6299 or email jwirtenberg@transitioningtogreen.com.

To discuss sponsorship opportunities for the Transitioning to Green/ Morris County Chamber program, please contact Paul Boudreau, President, Morris County Chamber of Commerce, at
973-210-6081 or email: paul@morrischamber.org.   

Sincerely,
Jeana Wirtenberg, Ph.D.
CEO, Transitioning to Green 
 
This email was sent to getgene@gmail.com by info@transitioningtogreen.com  
Transitioning to Green, LLC | 144 North Beverwyck Rd | Suite 165 | Lake Hiawatha | NJ | 07034

February 19, 2013

Reply to Chris Gibson

This entry is sort of on point with the new me, but it does reek of being "ticked" off at our leaders. It is actually a philosophical argument, in there somewhere.

It is important for all of us to not go gently into the night of tyranny.  It is likely a lost cause to save our Constitutional form of government, hence it is smart to move your property out of the dollar and nation, but it is, nonetheless, our duty to honor those who struggled and died to create the life we have lived.  My call is for each of us to do anything we can to raise awareness, every bit helps, and, then, VOTE IN PRIMARIES for anyone who seems to understand the Constitution, parties are irrelevant and a trap.  Voting in elections is mostly a waste of time. The lesser or two evils, remains an evil, a brother of the greater.

As part of my doing something, I replied to report to voters from Rep. Chris Gibson, who many of us helped get elected over two years ago. Chris is a nice guy, but a company man who used to be the company's enforcer. (This is supposed to make one "conservative.") Who knows if replies are merely filed in a digital trash can, so I will publish my letter here. You don't need to read the report.  Same stuff.  You can gather the message from the reply, which is brilliant and well worth your time.  To wit:

Nowhere in the Constitution is the federal government responsible for education or ticks.

Feeling good about a result is not the justification for the means.  A republic is different from all other forms of government in that its insistence upon a means-test prevents tyranny.  This is only true where the people, including elected officials, understand that the Constitution is the key. I seem to recall our officials swear an oath to the defend the Constitution, but then don't read it because it is not flexible enough for them.  Read up on Germany of the 1930s.

If Congress has abandoned the Constitution in favor of feeling good, just say so and we will know where we all stand.  The posturing in defense of the Constitution must be for those who attended public school and don't know history, social studies, or logic. For the rest of us, it is infuriating; and our group is growing. For example, it did not waste its time voting for Mr. Romney.  The false contests are no longer interesting.

I will save you a committee.  Lyme disease is indeed spread by ticks, for the most part. Ticks are NOT born with the disease and do not cough on each other. In the vast percentage of cases, ticks acquire the disease from mice who are living off the environment humans leave for them.  I hesitate to say that, as the government may want to intern humans or pass a living carbon tax.  The GOP will be outraged about such a thing, then settle for a smaller degree of tyranny. It loves to compromise fundamental principles. 
As for ticks, guinea hens love to eat them in the location the ticks live, then, you eat the hens. Of course, the CDC will have a far more expensive opinion and recommend a national vaccination provided by a friendly drug company. As for mice, there are plenty of free cats to go around. 
Gene

This email is confidential and its use is restricted to the intended recipient and no other.

Eugene J. Cunningham, M.A., J.D.
etc

February 15, 2013

Socialism update: medical insurance

I decided to drop in an extensive update on the medical insurance snafu underway.  The chaos is now settling out into a measurable mess, but true believers are not interested in such things.  I suggest putting this aside, as it is an extensive report.  This is worthwhile reading.

For my part, if you notice the bit about personal data being sent to government departments, this is critical in the long term notion of freedom.  I have refused to go online with my doctor's office. Doctors were given grants to computerize their offices and use a system where a bridge connects the medical community so a doctor in L.A. could check your records in NY.  Sounds good, right?

What is important to know is that this bridge is maintained by an NSA front corporation - all data runs through Big Brother. The act preserving medical privacy, by the way, does not apply to the government. They can take whatever data the like.  Whatever personal data that exists there or in Facebook etc will be available to use against you.  As lawyers say, it "chills" free speech. It freezes liberty.

If one thinks "so what" I have nothing to hide, they have missed the whole point. They are lost.  (PS: I do use they instead of he or she, or he. Just a current method to be PC. We need a new pronoun.  Perhaps, "hesh.")


From AAPS:

...
State Exchanges
The deadline for notifying the Dept. of Health and Human Services (HHS) of the state’s intention to set up a state-managed exchange has been extended from Nov 16 to Dec 14. A number of states have refused, and others are delaying a decision until HHS spells out essential benefits and other rules. As of late September, only 19 states had begun setting up exchanges or had agreed to do so (Kaiser Health News 11/9/12).

Gov. John Kasich of Ohio wrote that “due to costs and lack of control that states have under the law, operating a state-based exchange clashes with the...values that we would like to pursue.”

Gov. Rick Perry of Texas wrote that “it would not be fiscally responsible to put hard-working Texans on the financial hook for an unknown amount of money to operate a system under rules that have not even been written.”

Louisiana gave notice on Mar 23, 2011, that it would not assume the risk of building an exchange under the Patient Protection and Affordable Care Act (PPACA), and on Nov 16, 2012, sent a letter to Secretary Sebelius detailing still-unresolved questions about its legality (http://tinyurl.com/bmttslh).

“The full extent of damage the PPACA causes to small businesses, the nation’s economy, and the American health care system will only be revealed with time. The State of Louisiana has no interest in being a party to this failure by implementing a state based exchange.”

Although originally proposed by conservatives as a mechanism to give workers a wide range of choices in a defined-contribution program, the exchange idea is perverted in ObamaCare. It is turned into a means of distributing subsidies, and shoehorning customers into a narrow range of government-approved choices, writes Avik Roy (Forbes 11/19/12).

Exchanges will force millions of Americans into coverage more expensive than that which they currently own, he states. And “there’s almost no point in states setting up their own exchanges because states have no flexibility to improve on Obamacare’s creaky design”.

“Running the exchanges would be an administrative nightmare for states,” write James Capretta and Yuval Levin, “requiring a complicated set of rules, mandates, databases and interfaces to establish eligibility, funnel subsidies, and facilitate purchases.”

By refusing to create exchanges, states can effectively repeal much of the law, sparing citizens from the job-killing employer mandate, assaults on religious liberty, and in some cases the individual mandate (WSJ11/19/12).

“The Exchange will create an unprecedented tracking system,” writes Twila Brase of the Citizens’ Council for Health Freedom. All state exchanges will funnel private data into the Federal Data Services Hub to at least five federal agencies and myriad state databases.

Health Insurance Rules
On Nov 20, HHS released long-awaited proposed rules, including 131 pages related to the health insurance market and rate reviews (http://tinyurl.com/bs59f7z).

“The floodgates are open for untold amounts of regulation in the next few months,” writes Steven Bassett. “The Burden Sharing Ministries may become a refuge for many.”

While an accurate assignment of risk based on age would give at least a six-fold premium difference, only a 3:1 ratio is allowed. There is a single age band from 0–20 years, and one for age 64 and older. From 21–63, premiums vary every year. ObamaCare is a steep levy on young people, even though 55% of uninsured Americans are under age 35, principally because health insurance is already too expensive. Avik Roy’s translation of HHS statements is: “We will drive up the cost of health insurance for most people, and spend lots more tax money in order to hide that fact from voters” (Forbes 11/21/12).

Subsidies vary with income, and changes are to be monitored by the IRS with unknown frequency. People could find themselves having to pay back a subsidy, writes John C. Parker. A $6,000 increase in income could mean the loss of $10,000 in health insurance subsidies. Divorce may be the only option for obtaining affordable insurance for children and the lower-income spouse (WSJ 10/31/12).

Doomed to Failure
Even the election may not have saved ObamaCare. When people learn of its impact, Obama’s popularity might not last long post inauguration, despite a massive public “awareness” campaign (http://tinyurl.com/b62zkoc). There are such serious flaws that Democrats will have to perform major surgery even if Republicans do nothing, writes John Goodman. Implementation as written is impossible, some say. The Administration may try to delay it to avoid massive embarrassing failure. If it follows the script of Soviet Five-Year Plans, watch for witch-hunts for wreckers and saboteurs.


ObamaCare Costs and Benefits

Medicare. The cuts in Medicare spending (“savings”) have risen from $500 billion to $716 billion, but Obama told AARP “I have strengthened Medicare as President.” The amount cut would be $768 billion if it were not offset by $48 billion in increased spending for prescription drugs (helping the 6% of seniors who touched the Medicare “donut hole”) and $4 billion on “wellness.” The ratio of cuts to new benefits is 15:1 (Forbes 10/2/12).

Health Insurance Rebates. Owing to the $1 billion in rebates insurers have had to pay because of the Act, Obama claims that repeal would aid insurers. Since insurers are expected to gain $1 trillion in revenues, their cost:benefit ratio is 1:1,000 (Reason.com 10/8/12).

Regulatory Burden: According to the American Action Forum, 85 new rulemakings due to ObamaCare have imposed $20.4 billion in costs on private entities and $7.2 billion on state budgets. According to the Federal Register, the paperwork will take about 60 million hours. For a benefit of $0, the cost: benefit ratio is infinite (http://tinyurl.com/9oosxfh).


More Employed MDs, Less Work

In the first three years after hiring a physician, a hospital loses $150,000 to $250,000 per year. After that, losses decrease by 50%, but persist. So why are hospitals hiring so aggressively? Apparently, it is in the interest of gaining control over the market for long-term advantage. Robert Kocher and Nikhil Sahni note that employed physicians will be subjected to more performance management than previously and that it will be more difficult to revert to private practice. “Employment choices that physicians make today may not be able to be undone” (NEJM 5/12/11).

Hospitals now employ about 20% of practicing physicians directly, and many more in group practices owned by health systems. Employed physicians worked an average 53.1 hours per week, compared with 54.1 for physicians in private practice, and saw 17% fewer patients. “We know that an employed physician is less productive than a practice owner,” said Mark Smith of Merritt Hawkins (AM News 10/8/12). The effect of these changes could be the equivalent of losing 44,000 physicians over the next 4 years (Forbes 10/8/12).


ObamaCare Cover-up?

In January, the federal government finalized a contract with Quality Software Services, Inc. (QSSI) to run the federal data services hub (“Hub”) that will run state-based exchanges. In September, UnitedHealth Group (UHG), which owns UnitedHealthcare, the nation’s largest insurer, purchased QSSI. UHG did not file an 8-K form disclosing the acquisition to the SEC. The information technology will transmit massive flows of socioeconomic and health information that an insurer could exploit as valuable business intelligence. One critic compared UHG’s purchase to the New York Yankee’s hiring the American League umpires (The Hill 11/3/12). On Oct 19, Sen. Orrin Hatch (R-UT) sent a letter to HHS demanding to see the contracts, the financials, and lots of other data by Oct 26. Secretary Sebelius did not meet the deadline.


Right to Disenroll Is Now AMA Policy

Thanks to the efforts of AAPS members and others in the CMA Solo Small Group Practice Forum in the California delegation to the recent House of Delegates meeting, AMA now officially supports the right to disenroll from Medicare:

“RESOLVED: That our American Medical Association support every physician’s ability to choose not to enroll in Medicare (New HOD Policy), and be it further

“RESOLVED: That our AMA seek the right of patients to collect from Medicare for covered services provided by unenrolled or disenrolled physicians (Directive to Take Action).”

A “Whereas” clause stated that CMS overstepped its regulatory authority by claiming, in an anonymous email published by the AMA, that a physician must either enroll in Medicare or provide a Medicare-covered service for free.

Supporting documentation from the Forum stated that physicians could disenroll by completing CMS Form 855i, sections 1A, 13, and 15. Section 1A has a box to check that reads: “you are voluntarily terminating your Medicare enrollment.” The disenrolled doctor “doesn’t have anything to do with Medicare.” Patients may seek reimbursement from Medicare by filing Form 1490S, or from a secondary insurer. “A number of our colleagues run their practices just like that right now.”

Physicians whose patients file Form 1490S should be prepared to receive letters from the carrier threatening a $2,000 fine for not obeying the mandatory claims-submission requirement. We know of a physician who has received a dozen identical threat letters, but of no serious efforts to collect.

The Forum writes: “Earlier this year, a Freedom of Information Act request was sent to Medicare, asking for the names of nonenrolled physicians who have been fined or sanctioned. Medicare has not produced a single name of any such physician.” See:http://tinyurl.com/bqylpy8.


Flashback: Politics of Medicine in the UK

“Physicians agreed to collaborate in running the NHS on condition that...the clinical freedom of all doctors would be preserved…. In theory, [clinical freedom] has been preserved, but in practice, such freedom may be illusory, since the treatment of patients is often subject to the constraints of a third party…. Indeed, Hampton believes that clinical freedom is dead and that no one need regret its passing…. Medical care should be limited to what is of proved value and the medical profession should set opinion aside” (Lister J, N Engl J Med 1986 ; 315: 168-174).

The Labour Party has always been opposed to private practice, Lister noted, and tried to do away with it.


AAPS Calendar

Feb 1-2. AAPS v TMB hearing; regional meeting, Austin, TX.

Sept 25-28, 2013. 70th annual meeting, Denver, CO.


ACTION OF THE MONTH

Help stop ObamaCare in your state! Click here to read AAPS action alert: Tell Your Governor to Say NO.


Surgeon in Prison; Picked Wrong CPT Code

Dr. John Natale, 63, a vascular surgeon from Arlington, Ill., has started serving a 10-month term in federal prison after conviction on two counts of “making false statements” in connection with surgeries performed between August 2002 and October 2004. He had saved the lives of five patients who had an expected 90% mortality, using an aneurysm repair procedure for which no precise CPT code exists. The government had also discovered, in some 2,400 operative reports, two inaccurate statements.

At sentencing, Judge Rebecca Pallmeyer stated: “It’s hard for me to imagine that there was some motivation other than to pad the bill in Dr. Natale’s operative notes.” Natale’s attempt to explain how he had made the errors was considered to be “obstruction of justice.” Cross-examination at trial revealed that a transcribed dictation was missing the preposition “to.”

The prosecutor urged the judge to impose prison time because of the need to deter Medicare fraud, and the need for the sentence to reflect the seriousness of the crime and respect for the law. “My sense is, still today, that the doctor doesn’t really believe that he actually committed an offense.”

The Judge referred to “just a razor-thin margin on the Supreme Court upholding the recent Affordable Healthcare Act [sic].” Because the federal budget is so compromised, accurate coding is of extraordinary importance.

At trial, the prosecutor asked: “Now, when you enrolled in Medicare, you agreed to submit truthful and accurate claims…, didn’t you, sir?” But the doctor had used the term “bypass” for something that was a bypass only functionally, not technically, and he had billed for a repair involving the femoral artery, when it actually was the common iliac—for which he would have been paid more. Therefore, the government wants him never to practice medicine again, although he never lost a patient in surgery.


Doctor Acquitted on Drug Distribution Charges

After prosecutors destroyed his life for 5 years, a jury acquitted John Costino, Jr., D.O., of Wildwood, N.J., in 2 hours. The charges involved seven visits of two phony patients, undercover agents claiming to be exotic dancers. Dr. Costino prescribed Percocet for what he believed to be genuine pain related to their work. Defense attorney John Tumelty said he believed the doctor was targeted because he is one of the few doctors in the area who prescribes Suboxone (Press of Atlantic City 11/8/12).


AAPS Files Amicus on Contraception Mandate

AAPS has joined with the American Association of Pro-life Obstetricians & Gynecologists and several other medical organizations in filing a brief amicus curiae in the case of State of Nebraska v. HHS before the Eighth Circuit Court of Appeals. The case challenges regulations implementing the ACA mandate for all insurance plans to cover “all preventive care and screenings for women.” The regulation interprets this to mean all items the FDA considers to be contraceptives, including drugs and devices with known life-ending mechanisms of action, such as ella.

An Advance Notice of Proposed Rulemaking (ANPRM) requires insurers to offer plans that do not include contraception to those who are eligible for this “accommodation.” Yet, simultaneously, “the issuer must additionally provide to the participants and beneficiaries covered under the plan separate health insurance coverage consisting solely of coverage for contraceptive services...without charge to the organization, group health plan, or plan participants or beneficiaries.”

In other words, the “accommodation” still requires that employers facilitate objectionable insurance coverage or be subject to a penalty. The objecting employer must arrange for health insurance and, according to the ANPRM, the plan participants and beneficiaries will be automatically enrolled (“without an application or enrollment process”) in contraceptive coverage without cost sharing. The ANPRM is purportedly accomplishing an economic impossibility: providing the mandated drug or devices without cost to employer or employee. Someone has to pay. The idea that the cost will not be passed along in premium increases is clearly suspect. Amici argue that the ANPRM is merely an attempt by HHS to obscure the nature of the mandate—an unprecedented violation of religious liberty (http://tinyurl.com/clhycak).


AAPS Supports Pharmacists’ Freedom

With the aid of the Bioethics Defense Fund, AAPS and other medical groups filed a brief amicus curiae in the Ninth Circuit in support of pharmacists in Stormans v Selecky. The case concerns the right of pharmacists to decline to stock or dispense drugs that have the capacity to terminate human life as one possible mechanism of action. Amici argue:

Despite the plurality of views in our society about the moral status of the human being at the embryonic and fetal stages of development, the resolution of this case in favor of the Appellee Pharmacists’ rights of conscience does not require this Court to decide the moral worth or legal rights of the human embryo prior to uterine implantation. This Court need only recognize that a pharmacist, like any healthcare provider, is a professional entitled to make a judgment to refrain from actions that violates his or her conscience as informed by both science and religion (http://tinyurl.com/c74at7o).

Delinquent Overpayments Targeted

If CMS overpayments are not returned within 120 days, the Treasury Dept. will take collection action, including liens on the provider’s bank accounts and assets, such as his practice and his home. His NPI will be flagged and barred from receiving further CMS payments. A practice that hires a provider who is delinquent in returning overpayments could find itself liable in a False Claims Act case. If you don’t have new hires sign a document in which they state they are not aware of any compliance issues, you are complicit in their fraudulent billing (MPCA10/29/12).


Watch for Traps in Contracts

Physicians report that insurers, e.g. UHC, Blue Cross, Blue Shield, and Anthem, are urging them to sign, on short notice, contract provisions that enroll them as Medicaid providers. The San Diego County Medical Society warns that “some plans may require you formally to notify them in writing if you do not wish to participate since the new agreement may not require a signature.”


Correspondence

Retroactive and Infinite Taxes. New York State employers who thought they had paid their taxes in full for past years were told in July to pay up on a retroactive tax based on payroll for the fourth quarter of 2010 through third quarter of 2011. This “Interest Assessment Surcharge” is needed to pay interest on the $4 billion the state borrowed from the federal unemployment insurance trust fund since 2009. Owing to the recession, current tax receipts are inadequate to cover this interest. What if the federal government becomes unable to pay interest on its past deficits?

I also noticed that the long-distance bill on my office phone consisted entirely of a plethora of taxes. Dividing the tax by the $0.00 usage fee gives an infinite level of taxation. As with ObamaCare taxing people for not having insurance, I am being taxed for not using my phone.
Lawrence R. Huntoon, M.D., Ph.D., Lake View, NY


Stealing from the Offering Plate. “Not for profit” hospitals rarely file their IRS form 990 on time. I believe these hospitals purposefully remain years behind to avoid any scrutiny of their current financial condition. allows them to claim “critical losses” and “impending bankruptcy” and other such lies, lies that are primarily responsible for bringing us ObamaCare. Remember all these “critical access” hospitals were going broke from seeing all of the uninsured folks in their emergency rooms? Yet few big hospital emergency rooms don’t have a building crane in front of them signaling their expansion of this portal to bankruptcy.

An article in the St. Louis Post-Dispatch stops short of outing one not-for-profit system’s participation in the uncompensated care scam, but provides much information on the lavish compensation of its executives.
G. Keith Smith, M.D., Oklahoma City, OKhttp://SurgeryCenterOK.com


Volunteers Help; FEMA Useless. While FEMA and the Red Cross were next to invisible after superstorm Sandy (some FEMA stations were shuttered due to inclement weather), and some crews were idled for days awaiting authorization, volunteers were hard at work. These included members of the Hallowed Sons, a Bay Ridge motorcycle club, according to an article inFrontpagemag.com (http://tinyurl.com/d2rayua). We saw the same thing. Dozens of trucks in parking lots standing idle. Non-government volunteers can be flexible; they do not have to answer to an employer. It seems that once there is a paycheck, the motivation to help is diminished, as the pay is the same whether one worked very hard or very little. Human nature is like that.
Alieta Eck, M.D., Somerset, NJ


Destroying Insurance. Basic principles of insurance include an expectation of increased losses and costs when insurance is used to manage risk because insurance stimulates moral and attitudinal hazards. These costs are generally small, kept in check by the cost of the insurance and the coverage stipulations. The symbiotic effect of cost: benefit is hijacked with a mandate/penalty. When consumers can’t choose because they are mandated/forced to buy insurance, insurance is no longer a tool. It has been honed into a weapon—a weapon of mass wealth destruction/redistribution. Principled policy would never mandate insurance.
Janice Michaud, Manhattan Beach, CA


Health Insurance an Endangered Species. Unlike other members of the species (such as property and casualty insurance), political predators have been killing off health insurance. In the economic ecosystem, the primary function of insurance is risk assessment. It provides a service by measuring the risk of society’s choices and providing a means to mitigate it. As a byproduct, it tends to steer people away from risky choices. In a way, insurance companies get paid to discriminate: they determine how much each risk pool participant needs to kick in to cover the likely claims. If they cannot do this, they will act like escrow agents rather than insurers, gathering money from plan participants and distributing it to providers. There will be more and more pressure for laws regulating personal behavior in order to decrease costs.
Jeffrey Singer, M.D., Phoenix, AZ


A Problem of Definition. I have never thought we should insure the uninsured. As a lifetime insurance planner, I understand a concept that most Americans don’t get: If you don’t pay for insurance with your own money, directly or indirectly, it is not insurance. It is welfare. Insurance is risk hedging, which requires that you give up something of value (cash, labor, etc.) in exchange for another party’s bearing some of the risk. Medicare, Medicaid, SCHIP, and the like are not insurance programs.
Blake Woodard, Health Benefits Reform Group


How Much Do We Owe? According to an annual report by the U.S. Treasury, the federal government recognizes an outstanding debt of $17.5 trillion: $10.2 trillion in government debt plus retirement benefits owed to federal employees. Social Security and Medicare are not included because they are part of current law, and Congress can change them at any time. As a taxpayer I am liable for all the promises government has made to its employees. However, those employees are not necessarily liable for the promises they have made to me while collecting 45 years worth of taxes.
John Goodman, Ph.D., National Center for Policy Analysis http://bit.ly/QO6cES
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February 12, 2013

Death Panels And Middle Class Taxes

I have been a tardy author of late, so let me despoit a quote from an article Rod sent along:


Paul Krogman at Sixth & I Historic Synagogue in Washington, D.C. (2/13)

“Eventually we do have a problem. That the population is getting older, health care costs are rising… there is this question of how we’re going to pay for the programs. The year 2025, the year 2030, something is going to have to give… … We’re going to need more revenue… Surely it will require some sort of middle class taxes as well… We won’t be able to pay for the kind of government the society will want without some increase in taxes… on the middle class, maybe a value added tax… And we’re also going to have to make decisions about health care, doc pay for health care that has no demonstrated medical benefits. So the snarky version… which I shouldn’t even say because it will get me in trouble is death panels and sales taxes is how we do this.”

In 2025 it will do no good for knuckleheads to say, "Oh, how about that, you nuts were right."  In the meantime, they will continue to accept second hand reports about Krogman and the view from the New York Times. Perhaps, it is clear why our public schools graduate students with less ability to think each year.  They just know tax the rich, mock morality, and Big Brother will take care of us.  

By the time we degenerate into France, the country will be denuded of wealth and creative individuals and companies.  Keep an eye out for the most hospitable country for ex-patriots and money; wherever that is, there will be an explosion of wealth. 

So, in the meantime, just prepare your exit, at least virtually, and vote in PRIMARIES.  The real elections are a facade.

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