Obamacare Drives Up the Costs of Healthcare— Part I of III

In Brief….

President Obama is proud of his healthcare plan, Obamacare, or the Patient Protection and Affordable Care Act: PPACA.  He lobbied Congress hard, with then-Speaker of the House, Democrat, Nancy Pelosi, as his biggest ally.  Later, she and others admitted that they did not read the PPACA bill.  But pass it, they did, with not one single Republican vote.  This is the first part of a 3-part blog entry that speaks about the high costs of Obamacare.  Keep in mind that national polls showed that the majority of Americans were opposed to Obamacare, and that the US Supreme Court, in its review of the legality of Obamacare—and other cases involving huge amounts of money— ask the question, “Cui bono?”  Who benefits?  According to G. Keith Smith, M.D., and others, “…big-money players have already achieved their purpose, regardless of the fate of the bill in the courts.”  **

** quote from “The Affordable Care Act: Does the Supreme Court Decision Matter to Its Proponents?”  G. Keith Smith, M.D.  www.jpands.org/vol17no2/smith.pdf

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            Folks, after a brief stint selling health insurance, I investigated this controversial issue myself.  You better get a cup of coffee.  You’re gonna need one.

I appreciate that Obama tells the American public that he wants to help Americans get better and more affordable healthcare.  But you need to discover for yourself if Obamacare is affordable, or if it will provide better care.  He speaks about the “free services,” Obamacare will provide, but I know firsthand that nothing in insurance is free: everyone pays.  Insurance costs are deferred either through rating up customers with higher risks, or by spreading the costs to customers in the pool.  Insurance companies are designed to make profits– all organizations must be profitable to keep the doors open.  Insurance companies are mandated by state law to retain a certain specific percentage of profitability: the MLR, or medical loss ratio: cash on hand to pay claims.  Hence, loss or payout is divided among the pool of consumers via higher premiums.  MLR’s are based on actuarial tables, and probability rates of customers’ claims.  Hence, with medical insurance, the customer’s youth, good overall physical condition, the absence of alcohol or drug use, no pre-existing conditions, relatively safe employment conditions, and so on, keep premium prices low.   Plus, ‘continued coverage,’ which means, keep the insurance in effect.

Healthcare insurance has never been regulated by the federal government until Obamacare!  The Congress disregarded the US Constitution…. despite the fact that Congress consists primarily of lawyers!  The President (also a lawyer,) is vested with the responsibility to “uphold, protect and defend the US Constitution…”  Yet, both the Legislative and Executive branch of our triad of republic passed a law that is contrary to law!  Rather than change the law, as any citizen would be required to do– Congress and the President simply disregarded the law.  Then, Congress and the President exempted themselves from Obamacare altogether!  Hypocrisy makes a poor example of leadership.

What does a consumer do, for example, with a complaint about her car insurer?  She hoofs down to the state government and files a complaint with the state insurance regulatory agency.   But, what about all the complaints about Obamacare?   Where do you file a complaint?  Washington D.C.?  If Congress had not read (or still has not read) the 2700-page bill before they passed it into law, what’s the likelihood that they enacted well-conceived rules and regulations for administrating Obamacare?   Dr. Barbara Bellar, also a lawyer, nun, college professor and Army major, and is running for Illinois’ state senate from the 18th District, and says this about Obamacare:

“So let me get this straight.  This is a long sentence.  We are going to be gifted with a health care plan that we are forced to purchase, and fined if we don’t, which reportedly covers 10 million more people without adding a single new doctor, but provides for 16,000 new IRS agents, written by a committee whose chairman doesn’t understand it, passed by a Congress that didn’t read it, but exempted themselves from it, and signed by a president who smokes, with funding administered by a treasury chief who didn’t pay his taxes, for which we will be taxed for four years before any benefits take effect, by a government which has bankrupted Social Security and Medicare, all to be overseen by a surgeon general who is obese and financed by a country that is broke……. So what the blank could possibly go wrong?”    http://www.foxnews.com/politics/2012/10/02/doctor-seeking-illinois-senate-seat-offers-brutal-diagnosis-obamacare-in-viral/

Thank you, Dr. Bellar: lawyer, doctor, nun, Army major, college professor.  Do you think she might have some insights about what this law really does?  Her website is:  www.ElectBellar.com

Here are some thoughts from a June 28, 2012 statement by Executive Director of the Association of American Physicians and Surgeons (AAPS,) Jane Orient, M. D., who said, “[Health insurance] Coverage is not care… The Act [PPACA] will increase costs, sharply restrict availability, and deny treatment to the old and the sick…. The key to patient protection and affordability is the patient-physician relationship and free-market competition.” 

The AAPS is a national organization representing physicians in all specialties, founded in 1943 to defend the sanctity of the patient-physician relationship.  Think about the 10 million additional patients in the Obamacare system with no additional doctors: they sued the government over Obamacare.  PPACA will erode the patient-physician relationship.   And don’t forget that sitting ‘board’ of CPA’s in Obamacare who will make decisions about medical procedures and care for YOU and your doctor– with their eye on profitability.  Remember the mandated MLR and profitability.  These lay-people can override YOUR physician’s medical recommendations.  How does this give you better care?

The United States Supreme Court heard the appeal of a law suit brought against Obamacare, and indeed, upheld some parts of Obamacare.  http://www.aapsonline.org/index.php/site/article/supreme_court_oral_argument_analysis/

This is what Dr. Jane Orient of the AAPS had to say about the USSC opinion (with my bolding:)

“This is a bleak day for America.  The US Supreme Court has upheld a blatantly unconstitutional law of enormous scope that affects every American.  The federal government has no constitutional authority to dictate how Americans shall pay for their medical care.  It has no right to force them to turn over their earnings for the profit of private insurers or for the “public use” such as providing “free” services that a federal agency dictates people should have.  It is most distressing that the Supreme Court has validated the corrupt, dishonest process by which this law was enacted, the “penalty” for noncompliance with the mandate was repeatedly said not to be a tax, until it suddenly became one… As the US Supreme Court said, “it’s up to the people to repeal the law, defund it, and resist its implementation.  States are not required to implement Exchanges or to take the bait for Medicaid expansion, and should not do so.  Physicians are not required to sign up for “Accountable Care Organizations,” and should not betray their patients by doing so…”

AAPS’s then-President, Alieta Eck, MD, voiced physician-opposition to the law…. And (based on the questions and statements of the Justices, during oral arguments in March, 2012,) there is now optimism that the court will invalidate the individual mandate and possibly the rest of Obamacare.  I only wish Obama had worked both sides of the aisle in Congress to build a mutually beneficial plan for all Americans.   But, until then….

Get the facts…. and you decide.

Go to Part II, for more info!  Thank you!

©RightOnTheTruth 2012

© Suzy Right

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