Florida Health Insurance Topic:
"Private health insurance companies don’t provide medical treatment..."


Imagine for a minute, that you needed a special insurance policy before calling the fire department in an emergency, or you’d have to pay thousands of dollars out-of-pocket for the firefighters to put out the fire. Instead of calling 911 for the nearest neighborhood fire department, you’d call whichever fire department is in your insurance plan, even if it’s across town or miles away. You might have to call your ‘Fire Protection Insurance Company’ or ‘Fire Protection Management Organization’ for approval.

Depending on your fire protection insurance plan, the fire department might tell you they can put out the fire in your living room and bedroom, but not the kitchen or the garage… unless you pay an additional out-of-pocket fee.

An insurance company agent might tell you that they won’t pay for a fire department to put out a fire, because your house has a ‘prior condition’ or is too old or in a high-risk area.

If you don’t have coverage and don’t want to pay an expensive out-of-pocket fee, you might try to put out the blaze yourself, or just let your house burn. The fire might spread to other houses in your neighborhood. An uninsured neighbor’s housefire might spread to your own house.

Imagine that you complained to your US Senators and Representatives that the system doesn’t work, that over 45 million Americans can’t afford ‘fire department coverage’ and millions more have inadequate plans, that thousands are losing their homes every year, and maybe your own home has been damaged. And your Senators and Representatives replied that we can’t have fire departments that are publicly owned and paid for with our tax dollars because that would be socialism. Even though public fire departments would be far cheaper and save lives and property, moving to a public plan would cause insurance companies to lose lots of money, and we can’t have that.

Insurance companies would spend millions of dollars in political contributions to make sure that fire departments remain under their control. They’d hire PR firms and place ads on TV and in newspapers to convince you of the wonderful job they’re doing, telling you how public fire protection is a radical idea, un-American, too expensive, inferior in the services they’d provide, etc.

The whole scenario is absurd, you might say. (In fact, it’s close to what many Americans experienced before public fire departments were established in the mid 1800s, when homeowners without insurance often watched their houses burn while negotiating fees with fire companies.) Why have a bureaucracy of insurance company middlemen, demanding high fees as gatekeepers for fire protection without actually providing the service itself, when we can have a far less expensive public system that guarantees firefighters will show up in an emergency regardless of who you are, where you live, or what’s in your bank account? Any reasonably intelligent human would recognize privatized fire departments as a disaster, a menace to public safety and utterly irrational.

So why do we tolerate a health care system that’s run the same way?

Private health insurance companies and HMOs don’t provide medical treatment. Instead, they act as gatekeeping bureaucracies that make an enormous profit based on the likelihood that at some time in your life you’ll suffer illness or injury and will need medical treatment. They provide cost but no value.

Physicians for a National Health Program notes that "[o]ver 31% of every health care dollar goes to paperwork, overhead, CEO salaries, profits, etc." The overhead for Medicare, based on administrative costs but without the demand for profit, is about 3%. Why not convert to a public system, expanding Medicare to cover all Americans, perhaps saving us a third of the cost by eliminating the insurance and HMO middlemen — a system comparable to our public fire departments?

That’s what a Single-Payer national health care system would do. It would guarantee health care and medical prescriptions for everyone regardless of ability to pay, employment, age, or prior medical condition (criteria currently used by private insurance firms and HMOs to limit or deny coverage). Single-Payer would allow everyone to choose their health care provider — you could visit the physician or hospital of your choice, rather than select from a limited list of those approved by an insurance company or HMO.

We’d pay for Single-Payer with a progressive tax plan. Tax sounds like a bad word, until one realizes that the amount most middle- and low-income working Americans would pay would be far less than we currently shell out for private insurance and HMO plans, and any additional fees when you go to the hospital or clinic or doctor’s office would be zero or minimal. That’s because HMO-insurance company profits, big CEO salaries and bonuses, and administrative waste would be eliminated. Just as public fire departments have created an incentive for public education and measures to prevent fires, Single-Payer would create an incentive for encouragement of good habits, like a healthy diet, exercise, and quitting cigarettes.

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