Cover Florida

Attached an article in todays Miami Herald pointing out the problematic issues of the so-called " Cover Florida" insurance program touted by Governor Christ as the solution for the Uninsured.
Heer are some facts:

* in many cases it offers a barebone service package.
* participating insurance companies still do not offer comprehensive services for competitive prices DESPITE the claims made by the Governor that" each provider was chosen by the state through a competitive bidding process."
* To date, about 4,500 people have enrolled -- about 0.1 percent of the state's uninsured population. More than 3800 Floridians loose their health insurance every week!!!

The question remains: is this program the result of an honest effort to find a solution to cover the Uninsured, or just another political campaign trick meant to boost the chances of Governor Christ to enter the US Senate?
Needless to say that he still refuses to accept a public option, but has yet to declare if Florida will opt out such an option if offered on federal level.
My gut feeling? He will do anything to get elected even if it means to scarify more Floridians on the altar of political vanity.
Yours
Bernd





Posted on Sat, Oct. 24, 2009
Crist exaggerates benefits of Cover Florida Health Care program

BY CATHARINE RICHERT
PolitiFact Staff Writer

In a recent Fox News interview, Florida Gov. Charlie Crist boasted about Cover Florida Health Care, an effort to provide low-cost healthcare coverage to the nearly four million uninsured in the state.
``There are no government mandates to it, no tax dollars utilized for it,'' Crist said on Wednesday. ``Just good, aggressive negotiating by our administration with health insurance companies. . . . And, really, the problem with healthcare is that it's expensive. And so what we've attempted to do is reduce the cost by reducing the expense and the premium of health insurance, and we've had success doing so. Usually it's about $900 a month to get health coverage. We've reduced that, on average, to about $150 a month.''

Given all the debate over the high cost of healthcare, we wondered if the plan could be as inexpensive as Crist claims. We found he was distorting the savings by mixing apples and oranges.

The program, which was started in 2008, allows individuals who have been without coverage for at least six months to pick from plans offered by six insurance companies. Each provider was chosen by the state through a competitive bidding process, and each offers at least two options -- one with catastrophic and hospital coverage, and another plan that can provide less coverage.

The program's website says that individual plans can be purchased for as little as $23 or as much as $800 a month, depending on age, gender and level of coverage. Patients pick and choose between various options offered through the six insurers. So, for example, a woman who is between 19 and 29 years of age can pay $130 a month for a plan that includes no deductible, $10 copays for doctor visits, but no hospital inpatient coverage.

NOT DOING ENOUGH

Since Cover Florida Health Care was enacted, critics have said the program hasn't done enough to cover the uninsured. To date, about 4,500 people have enrolled -- about 0.1 percent of the state's uninsured population.

The low-cost options so often touted by state officials don't offer patients much of a safety net, said Florida state Sen. Nan Rich.

``People are beginning to see that it doesn't cover anything,'' said Rich, a Democrat from Weston. ``It may be inexpensive, but it's inexpensive for a reason. It's a very low level of coverage.''

When we asked Crist's office about his claim -- that healthcare costs are on average $900 a month compared to $150 under Florida's plan -- we were told that the $900 figure cited by the governor came from the nonpartisan Kaiser Family Foundation and that it refers to the amount of money a family pays, on average, per month. Crist's office also noted that the figure is outdated (for instance, in 2006, the average monthly cost per family was about $950) and pointed us to a new Kaiser report released Sept. 15, 2009, that estimates families now pay about $1,114 a month.

So Crist is off by about $200 for family coverage.

AVERAGE COSTS

As for the average cost under the Cover Florida program, Crist's office pointed us to a document that lists the different providers and their rates for individuals. The average for the higher-end coverage, which would include hospitalization and catastrophic insurance, is about $227, while the average for the less-expensive ``preventive'' plan was $89. So Crist's $150 number is the approximate average of the two.

But wait. The first number Crist cited is the Kaiser estimate for a family. The second number is for an individual.

We went back to the Kaiser report and found that the average cost for an individual plan is actually around $400 a month, which would mean the gap was not as dramatically different as Crist claimed.

Crist spokesman Sterling Ivey acknowledged the apples and oranges comparison but said the underlying point is still valid that the Florida average is lower.

But we find Crist is using sleight-of-hand, comparing numbers that aren't comparable. He's used a higher family number with a lower number for individuals. We rate his claim False.

Herald/Times staff writer Steve Bousquet contributed to this report.

Healthcare Reform and Insurance Exchanges

Saturday, October 10, 2009


Letter To The Editor:

When reading John Dorschners article “Healthcare reform proposal on insurance exchanges was tried in Florida” I reached only one conclusion: why to try it again ?
The current system is broken. Costs are soaring and so are the numbers of uninsured Floridians.
The current reform proposal would require all Americans to purchase a flawed product: private health insurance which wastes one-third (31 percent) of Americans’ health dollars on nonsensical administration, huge profits and exorbitant executive pay. But there is one solution which few dare to explore: a single-payer system. Single-payer national health insurance is a system in which a single public or quasi-public agency organizes health financing, but delivery of care remains largely private. Single-payer financing is the only way to recapture wasted and precious healthcare dollars. The potential savings on paperwork, more than $350 billion per year, are enough to provide comprehensive coverage to everyone without paying any more than we already do. Under a single-payer system, all Americans would be covered for all medically necessary services, including: doctor, hospital, preventive, long-term care, mental health, reproductive health care, dental, vision, prescription drug and medical supply costs. Patients would regain free choice of doctor and hospital, and doctors would regain autonomy over patient care. Physicians would be paid fee-for-service according to a negotiated formulary or receive salary from a hospital or nonprofit HMO / group practice. Hospitals would receive a global budget for operating expenses. A single-payer system would be financed by eliminating private insurers and recapturing their administrative waste. Modest new taxes would replace skyrocketing insurance premiums and out-of-pocket payments currently paid by individuals and business. Costs would be controlled through negotiated fees, global budgeting and bulk purchasing. Lets not waste this opportunity for meaningful change. It’s not too late!

Bernd Wollschlaeger,MD,FAAFP,FASAM
Board Certified Family Physician & Addiction Specialist
16899 NE 15th Avenue, North Miami Beach, FL 33162
Phone: (305) 940-8717
E-mail: info@miamihealth.com

The Old Guard Reveals Itself!

In a recent member communication the President of the FMA reflects on the issue of "Advanced Medical Home" and the primary physician shortage. I agree with him that we need more primary care physicians but his remarks reveal the true attitude towards family physicians by stating that "We in organized medicine need to make sure that secondary providers don’t usurp our traditional role as captain of the ship." Who are those "secondary providers?"
Family doctors, general internists, pediatricians, ARNPs, PAs??? Are we second class citizens too???
This dismissive remark is indicative of the pervasive mind set within the leadership of the FMA which thrives on the cold war-like black-and-white view of the world. But the current healthcare industrial complex (HDIC) consists of a tight web of services delivered across a horizontally and vertically structured set of providers, including physicians and allied healthcare professionals.
Its takes an unhealthy dose of delusional thinking to claim that ANYONE will be the "captain of the ship."
Moreover, Dr.Dolan and other FMA leaders refuse to recognize this reality and want to roll-back in time to the Garden of Eden of medicine where doctors and patients lived together happily until someone introduced the forbidden fruit of health insurance and government intervention.
We have to strike back against the perpetuation of those false beliefs suggesting that family physicians are taking over medicine as THEY know it.
These ideologues are beyond education. They cannot be talked too anymore. Its also useless to work with them on any issues as it pertains to primary care!! We have to define who we are and what we want and work together with consumer groups, unions and patient advocates to create the healthcare delivery system that we all deserve. Change is tough but necessary. Success favors the prepared and open mind. The odds are in our favor. Lets not miss this opportunity.
Yours
Bernd

FMA Board Member in the News

In an (attempted) scholarly treatise Betsy McCaughey, the self-declared patient rights advocate, cited another "scholar", a fellow Florida doctor, as the new oracle of Delphi predicting the demise of medicine. Dr. David McKalip, a Florida neurosurgeon and a board member of the Florida Medical Association, predicts: "The only doctors left in Medicare will be those willing to ration care and practice cookbook medicine." Well, I am glad to know that Dr.Mc Kalip's looney-tunes are hitting the national headlines because it illustrates how he, and his fellow FMA apostles, really think about the future of medicine in this country.
The editorial is filled with half-truth, delusional confabulations using fear-based agitprop, or political propaganda promulgated chiefly in the former USSR.
Well, read it yourself to understand how our fellow FMA colleagues really feel. Enjoy and if you need something for nausea call me.
Yours
Bernd

NEW YORK POST

The 'kill granny' bill
By BETSY MCCAUGHEY
Last Updated: 11:18 AM, October 5, 2009
Posted: 1:05 AM, October 5, 2009
AS the health-reform bills move through Congress, the prognosis for Medicare pa tients gets worse and worse.

The Senate Finance Committee bill (generally called the Baucus bill, after Chairman Max Baucus) robs the elderly to cover the uninsured -- like snatching purses from little old ladies. The House bills already cut future funding for Medicare by $500 billion over the next decade. The Baucus bill would slash a similar amount, just when 30 percent more people enter the program as baby boomers turn 65.

The Baucus bill also puts new limits on what doctors can do for patients in Medicare:

* A "race to the bottom" provision (p. 102 of the revised chairman's mark) would take effect each year for the next five years. The provision penalizes doctors who end up in the 90th percentile or above on the cost of what they use to treat their patients, compared with national averages. The intent is to force down the cost of care, year by year. Yet this blunt instrument can't determine which care is actually wasteful -- it will punish doctors for treating high cost patients with complex conditions. Inevitably, it will lower the quality of care.

* Even more devastating is the amendment Sen. Maria Cantwell (D-Wash.) got inserted into the bill (revised chairman's mark, pp. 102-3). It gives the Secretary of Health and Human Services the power to define quality, cost-effective care for each medical condition and penalize doctors who spend more on their patients.

The law establishing Medicare in 1965 barred the federal government from interfering in doctors' treatment decisions. Slowly, Medicare regulations have begun unraveling that protection. Now the Cantwell amendment finishes the job.

This is the most extreme change to Medicare ever. Dr. David McKalip, a Florida neurosurgeon and a board member of the Florida Medical Association, predicts: "The only doctors left in Medicare will be those willing to ration care and practice cookbook medicine."

It's reasonable for Medicare administrators to strive to get value for dollars spent. In recent years, Medicare has taken a slow, tight-fisted (and sometimes arbitrary) approach to paying for new drugs or medical devices. But Cantwell aims directly at doctors' decisions.

That's not surprising. President Obama and his advisers vilify doctors for over-treating patients. Dr. Ezekiel Emanuel, brother of White House Chief of Staff Rahm Emanuel and a key Obama health-care adviser, argues that the Hippocratic Oath is largely to blame for the "overuse" of medical care.

In his view, doctors focus too much on the needs of their own patients; they should be taught to ask whether the money they're spending on a patient is worth it. To curb doctors' spending, the stimulus legislation launched a process of sending doctors protocols via computer on what the government deems "appropriate" and "cost-effective" care. Doctors who are not "meaningful users" will be punished financially.

When I warned that this meant the government would be interfering in doctors' treatment decisions, CNN and FactCheck.org said that was untrue. But Dr. David Blumenthal, appointed in March to head the new system of computer-guided medicine, settled that debate. In the New England Journal of Medicine (April 9), he confirmed that "embedded clinical-decision support" (his term for computers telling doctors what to do) would be used to reduce costs, and he predicted that some doctors might rebel against tight controls.

The Baucus bill completes the framework for tying doctors' hands when treating the elderly.

Driving all this is the misconception that doctors spend wastefully on patients who are about to die. Newsweek's recent cover story, "The Case for Killing Granny," argues that "the need to spend less money on the elderly at the end of life is the elephant in the room in the health-reform debate."

Numerous studies prove that is false. In 2006, Emory University researchers examining the records of patients in the year before they died found that doctors spend far less on patients who are expected to die than on patients expected to survive.

The Emory researchers said it's untrue that "lifesaving measures for patients visibly near death account for a disproportionate share of spending." They also found that doctors often can't predict when a patient is in the last year of life.

In any case, the health-reformers' plan to cut spending on patients 65 and older won't simply reduce end-of-life care, it will also eliminate care for patients who are perfectly capable of surviving their illness and going on with life.

Betsy McCaughey is chairman of the Committee to Reduce Infection Deaths and a former New York lieutenant-governor.

Leaving the FMA

LETTER TO THE PRESIDENT OF THE FMA,DR.JAMES DOLAN:

Dear James:
I hope that you are doing well.
For several months now I witness the relentless anti-AMA rhetoric applied by the FMA leadership and the continuous attacks on any meaningful healthcare reform efforts which are sorely needed. I am also outraged that you continue to ignore the reality of the growing number of uninsured in Florida calling it a "myth."
In Miami we reached a 36% Uninsured rate and in Hialeah alone 56%!!! This is not a myth but REALTY! Not only does this trend challenges our public health but also adversely affects the financial viability of medical practices and hospitals and we must find a solution to this problem!!
After long deliberations I finally reached the conclusion that I have no place in the FMA. I fundamentally disagree with the FMA policies and am especially appalled by the vitriolic criticism of the AMA. It already triggered an increase in the AMA member non-renewal rate and will further diminish our representation within the AMA House of Delegates. This criticism is especially difficult to understand because Cecil Wilson is the AMA's President Elect! Why are we stabbing him in the back? Therefore, I relinquish my membership privileges effective immediately. I am saddened that I was forced making this decision but I see no other option.
Stay well.
Yours truly,
Bernd

Ed Annis,MD: A Final Goodbye

Dear Friends and Colleagues:

Today, on the first day of Rosh Hashana, I attended the Memorial Service for Dr. Edward R. Annis who passed away on September 14th, 2009.
Ed's service was attended by many friends and fellow physicians including senior AMA representatives Drs. Hove,Heyman and Wilson.
Cecil gave a moving eulogy followed by very personal presentations of family members including Dr. Joe Annis. Ed's touched so many peoples hearts and minds but remained a humble and faithful person. I remember him as a patient listener who always provided me with advice and guidance. He had the ability to accept and tolerate other opinions and lead by example. I will never forget him and the seed he planted in my heart and mind will continue to grow. Thank you Ed.

Yours truly,
Bernd

Healthcare Reform: A Different Perspective

New uninsured figures show Massachusetts, touted as model for national reform, is failing to cover the uninsured

17,000-member organization of physicians says latest numbers understate the problem and show urgent need for single-payer health reform

Official estimates released this morning by the Census Bureau showing a marginal increase in the number of Americans without health insurance in 2008 - now estimated at 46.3 million, up from 45.7 million in 2007 - masks the true dimensions of the problem, a national doctors' group said.

Significantly, in Massachusetts, where an individual-mandate health reform law, much like what President Obama is proposing on a national scale, was passed in 2006, at least 352,000 people, or 5.5 percent of the population, remained uninsured in 2008. That number was actually (but non-significantly) higher than the number of uninsured in 2007, before strict enforcement of the individual and employer mandates went into effect.

"The legislation championed by the president and the congressional leadership is a virtual clone of the Massachusetts plan," said Dr. Steffie Woolhandler, professor of medicine at Harvard Medical School and co-founder of Physicians for a National Health Program (PNHP). "Today's numbers show that plans that require people to buy private insurance don't work. Obama's plan to replicate Massachusetts' reform nationally risks failure on a massive scale."

Woolhandler said last year's job losses in the recession, and the corresponding loss of health coverage by many workers and their families, are inadequately reflected in the new data. An estimated 2.6 million people lost their jobs in 2008, most of them toward the end of the year. Those who lost insurance at the end of the year would probably be counted as insured in the Census data, she said.

Census officials cited a drop of 1.1 million in the number of persons who were covered by employer-based insurance, continuing an 8-year trend. Whereas 64 percent of Americans had employer-based coverage in 1999, only 58.5 percent had such coverage in 2008.

Dr. Quentin Young, national coordinator of PNHP, said had it not been for a leap of approximately 4.4 million people newly covered by government programs like Medicaid and Medicare, the overall uninsured rate would have set a new record.

Young said the "tragic and painful persistence" of tens of millions of uninsured persons in the country is "completely unacceptable" and underscores the urgency of enacting a Medicare-for-all program.

"The only way to solve this problem is to insure everyone," he said. "And the only way to insure everyone is to enact single-payer national health insurance, an improved Medicare for all. Even President Obama has acknowledged this fact."

Young noted that Rep. Anthony Weiner, D-N.Y., is introducing an amendment to the House leadership's health reform bill, H.R. 3200, which would essentially delete its present language and substitute the language of Rep. John Conyers' single-payer bill, H.R. 676. "It's not too late for Congress to do the right thing," Young said.

Dr. Don McCanne, senior policy fellow at PNHP, noted that the Census Bureau was once again silent on the pervasive problem of "underinsurance." People are usually defined as underinsured if they spend 10 percent or more of their income (or 5 percent if they are low-income) on out-of-pocket medical expenses in the course of a year.

"Not having health insurance, or having poor quality insurance that doesn't protect you from financial hardship in the face of medical need, is a source of mounting stress, anguish and poor medical outcomes for people across our country," McCanne said. He noted that a recent study showed 62 percent of personal bankruptcies in the U.S. are now linked to medical bills or illness and three-quarters of those who went bankrupt had insurance when they got sick.

*****

State-by-state data on the uninsured from 2005-2009 can be found here: http://www.pnhp.org/uninsured2008/Uninsured-by-State-2005-2008.pdf

For more information on Massachusetts, see: http://www.pnhp.org/change/Why-MA-style-Reform-Wont-Work.pdf

Physicians for a National Health Program (www.pnhp.org), a research and educational organization of over 17,000 physicians, supports a single-payer national health insurance program. To contact a physician-spokesperson in your area, visit www.pnhp.org/stateactions or call (312) 782-6006.