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Why We Need Single Payer Health Care

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We Want Single PayerHealth Care

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There are two main arguments for single payer health care, also called "Medicare for All", now proposed as Congressional bill HR 676 by John Conyers and Dennis Kucinich with 91 co-sponsors.

The Moral Ethical Argument

The first is the ethical moral argument.  Health insurance companies make their profit by denying health care to sick people.  That is immoral and unethical.

The Economic Argument

The second and perhaps more compelling argument is economic.  Our current system of health insurance has created an unbearable economic burden on the nation.   Simply put, it is too expensive for us to bear.  There are over 100 separate health insurance companies operating under different sets of rules creating a huge 30 % administrative overhead.  For comparison, administrative overhead for Medicare is only 2%.

By converting to a single payer system, we immediately save 300 billion dollars in administrative overhead. 



As a nation, we are now paying twice what other countries pay for health care, yet we have 45 million uninsured and 18,000 deaths annually caused by lack of access to health care. Almost half the bankruptcies currently filed in the United States are because of medical bills.  We are paying a huge national Health Care bill, twice what other countries spend on universal health care, yet we do not have universal health coverage here in the US.

Medicare is a 40 year example of a successful single payer system which has an administrative overhead of 2%, not 30%.

Only One Explanation Why We Don't Have Single Payer Now

These two arguments in favor of a single payer heath insurance system (moral and economic) are so compelling, that one must conclude the only reason we don't have single payer now is because of lack of representative government.  The obvious conclusion is that our government does not serve the people who elected them.  Rather, our elected government officials serve the special interests of the health insurance industry and other corporations who make massive campaign contributions.

It’s Time to Eliminate the Health Insurance Industry

Medical Review of Claims

How does the Health Insurance Company make money?  They make profits by denial of healthcare with a contrived procedure called  “medical review of claims and benefits”.  Much of the 30 per cent administrative overhead pays for employees doing this sham “medical review of claim” and denial.  Employee pay is actually linked to the number of denials generated, and special computer software called "Denial Engine Software may be used."  The variables on the software can be adjusted up or down depending on how much profit the company wants to keep that year.
 
Process of Denial of Medical Claim is a Pretense and Masquerade Based on Guidelines

Rather than provide needed medical care for sick people, the “review of care” is intended to deny payment for medical care.  Under this "review of care" procedure, the insurance company claims that the medical claim fails "the guidelines", and this failure is the reason for the denial.  How are these "Guidelines" derived? Guidelines are created by health professionals employed for the benefit of the insurance company, and have no connection with the realities of medical practice.

Manufactured Excuse for Denial of Claim

The guidelines provide a manufactured excuse for denial of care based on one of the following:  The guidelines have determined that the health care is medically unnecessary, experimental, dangerous to the patient’s well-being, or outside the standards of care provided by a professional association or governmental agency.  The healthcare may be denied because it uses an off-label indication (for a medicine or device).  However, the real reason for denial of the claim is obvious;  the claim is denied because it reduces corporate profit.

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http://jeffreydachmd.com

Jeffrey Dach MD is a physician and author of two books, Natural Medicine 101, and Bioidentical Hormones 101, both available on Amazon, or as a free e-book on his web sites. Dr. Dach is founder and chief medical officer of TrueMedMD, a clinic in (more...)
 
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Are we going to find our moral compass and confron... by daveys on Wednesday, Feb 25, 2009 at 2:05:59 AM
There is a most compelling reason why the US has a... by TomK on Wednesday, Feb 25, 2009 at 3:09:06 AM
creating a huge 30 % administrative overhead.... by Matthew T. on Wednesday, Feb 25, 2009 at 8:43:02 AM
Thanks for your thoughtful comment, Matt.  As... by Jeffrey Dach on Wednesday, Feb 25, 2009 at 9:24:21 AM
Forget the idea of for-profit and government run. ... by Matthew T. on Wednesday, Feb 25, 2009 at 4:10:36 PM
"Why would a single payer system, which will ... by TomK on Wednesday, Feb 25, 2009 at 8:53:00 PM
I said:"Why would a single payer system, whic... by Matthew T. on Thursday, Feb 26, 2009 at 1:16:02 PM
The questions you asked are very legitimate but we... by TomK on Thursday, Feb 26, 2009 at 2:44:13 PM
I've tried talking specifics here, and people ... by Matthew T. on Thursday, Feb 26, 2009 at 3:36:16 PM
This article made me want to post this:http://www.... by Matthew T. on Friday, Feb 27, 2009 at 11:03:58 AM

 

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