Social insecurity

An overwhelming majority of our federal budget is spent on what we call social programs. The most famous and far reaching of these programs is Social Security. There are also numerous welfare programs, unemployment insurance, and medicare, medicaid, chip, and even many of our education programs such as the school lunch program that are part of these social programs.

But, what is the purpose of social programs. I think most of us have ideas as to their purpose. Things like "to help the poor" and "to create economic fairness". But perhaps one of the best definitions I have heard I read the other day in an article about what was wrong with privatizing social security. They said that "Investment is about risk; Social Security is about certainty."

With that in mind, lets briefly revisit our overall approach to social programs. Well, we don't have a lot of consistency. We sometimes provide end user services. Often we pay for services provided by the private sector, such as health services. Sometimes, and is Social Security and some forms welfare, we provide cash payments to individuals. Now, social security is supposed to be some form of certainty for those who retire or are disabled, but all that is certain is that those who start poor are guaranteed to stay in their situation under social security, but, at least it is consistent. The real benefit is that those who either were not able to plan for retirement or not able to afford putting money away for retirement have something to provide for them. Similarly, we have unemployment insurance. This is supposedly paid for by employers who are viewed as responsible for the unemployment, but often the benefits received are paid for by the general public.

How about a different approach? What if 20% of what a person earned went into an account that was accessible by that person only. It would be taken out directly from their checks. Ok, sounds like I am back to privatizing social security. Actually, the money in the accounts would not be eligible for investment purposes, apart from the most secure and government backed "investments". Congress would not have any access to the funds in these accounts. In fact, the owners of these accounts would only have access to their accounts by application through some form of social verification system. They would be able to receive payments from those accounts in the event that they became unemployed or retired. The employers would not be left holding the bag. The government and indirectly the people would not be left holding the bag, and everyone would have some security. If someone has worked 15 years, they would have 3 years worth of their average yearly wage available to them.

Implementing such a program would have to be a phase in, but could be done over 10 or 15 years with special carryover programs for current social security recipients.

There are other things that could improve the situation as well. Make the 20% of their wages include 20% of the cost of their benefits. Put the accounts in a national bank (which would replace the Fed), where they can be loaned out to banks, but backed by FDIC without limit. Implement the Fair Tax, only increase they prebates to be equal to twice what a one at the poverty level would pay in taxes every month. Fix the health care system by fixing the FDA and AMA and mandating equal access to care and coverage by combining all coverage groups and prohibiting exclusions, but allowing limitations on specific payouts and by making a publicly accessible symptom, tests, and treatments match database. Make welfare an education grant program, and mandate life skills training in addition to emphasizing practical work skills training. I could go on, but I think I have made my point. Each program needs to be self contained, to a degree, but needs to fit into the overall holistic system. In doing so, all of our social programs can work together to provide what they were intended to provide.

Political ideologies vs reality

Well, the midterm elections were yesterday. Today, my wife was listening to Obama talk about the message of the elections. He was first trying to make the point that he "get's it" in regards to why people are upset. He continually mentioned the results of their efforts were weak, and that people are mad about the economy. When asked about his health care bill, he defended it left and right. It was a good thing, etc. etc. When asked specifically about other actions by his administration, not once did he ever seem to "get it" that there are things he has done that people didn't like.

I realized that somewhere in there, it never occurred to him that perhaps the ideology he espouses is potentially wrong in the eyes of the people. It probably also never occurred to him that ideology does not solve problems. We as a people are tired of ideologues who can't understand that first and foremost, we want the problems solved. Particularly the ones that naturally fall in the purview of government. As for our own problems, let us solve our own, but don't make it more difficult for us to do so.

This got me thinking about what people want, and what upsets them. First, they don't like their freedom being taken away. They don't like being told that they have to do something. They don't like being manipulated. They like having options. They like to feel independent. They like to feel valuable. The like comfort. They like adventure. They like to feel intelligent and capable. They don't like to be told they are wrong. Perhaps government would be better off if instead of mandating programs, they just made things available to the people.

The one exception is regulation of business. Business needs to be regulated, just not too heavily. A business that takes care of it's employees and is honest with it's customers and follows good business practices should not incur any cost in following regulation. On the other hand, those who do not do those things should feel the incentive to change.

So, there you have it. Limit government to just serving the people, limit business to good business practices, and let the people be. When they need something, well, that is why government should have voluntary programs, and those programs should be easy to use, but hard to abuse. Is it really that hard? Well, I guess in reality, maybe it is.

Health mess continued

The health care debate has nothing to do with health care, but everything to do with money. Mostly, it deals with insurance coverage. It does nothing about the quality of health care and very little about the accessibility of health care. It doesn't address the problems with our pharmaceutical industry or with the FDA or with the shortage of medical professionals, or with any of a myriad of other health issues, except abortion and euthanasia, which aren't about health care, but religious and moral issues instead (we are not going there on this post).

I have seen many instances where the medical treatment offered was not the best available for the situation, but was instead based on how much money the practitioners would make. The bigger the size of the organization, the worse this seems to be, in general. I have however seen a fair number of cases where they practitioner is a small operation and they still push everything based on what is best for their finances rather then what is best for the patient.

I have had people tell me that the answer to this situation is insurance, but I believe it is just the opposite. I think that the insurance industry is the primary cause of this greed. Sure, there would be the small time medical scam operators that push their patients into something that either they don't need, or that is the most costly of the viable alternatives, but for the most part, before our insurance industry did their takeover of the health care system, practitioners did seem more concerned with the actual health and well-being of their patients.

Part of the problem is that the insurance industry has been making health care choices for all of us. The doctors don't really get the choice of the best treatments, just the choice of the best treatments the insurance covers. The patents don't get informed of their options, cause usually there is only one covered option. It no longer is about the best care for the situation, but about what the coverage is for the situation.

There are lots of examples where offshore clinics have far better care at a much lower cost, using much more advanced techniques. We don't have those options here, because even if the techniques are approved by our almost non-function governmental agencies, the insurance plans don't allow those treatments. They say they are trying to save us money. I have a hard time believing it. I have seen a system wide case where the US health care industry continues to do thallium treadmill tests to gauge arterial blockage, when other tests exist that are more than twice as effective, cost less than a fifth and often less than a tenth of the cost of the thallium test, and are usually up to five times faster. I say system wide because I have seen it happen to multiple people, in multiple states, in multiple hospital systems.

I have also seen and heard of many instances where the doctors (the good ones) pull people aside to a corner and whisper that what they recommend is some kind of do it yourself homeopathic or over the counter treatment, but that they have to issue this prescription or that. I even had one doctor explain that they have a quota that they have to meet in prescription writing in order to keep their license. I don't know the validity of this claim, nor the mechanism it would work by, but just the very mentality of the industry pressuring doctors to always prescribe the latest drugs in the maximum of situations leaves me thinking that the whole thing is just another corrupt system of greed.

We need some kind of impartial informing diagnosis web based system, perhaps not to be required use for doctors, but freely available so individuals can at least see what their options are and to get a non-biased second opinion. Sure, such a system would not be able to write prescriptions, nor would it recommend courses of treatment, but it could show possible diagnoses with all the known courses of treatment and what forms those treatments take. It could even show experimental treatments and list locations where different treatments are available. It could also show how reliable various treatments are shown to be. To put this together would require the input of many people, but if it were built correctly, it would be a learning system. Therefore, it's diagnoses would increase in accuracy over time. I can even picture it being a valuable resource to doctors, regardless of their expertise, experience, and training.

Health debacle

"News Flash! Our health care system is broken, even though it is the best in the world!" Um.... I am not even going to try to make sense out of that. I did have a thought though (read the scenario and then I will tell). There is all this talk about fixing health care, but all the talk is just about insurance. I haven't had insurance for 4 years. I can't afford it. I have 2 back surgeries in my medical background and a bad case of acid reflux and my wife has had surgery to remove a dermoid tumor and an ovary and then had 2 miscarriages that required hospital stays. They want more than I make each month for personal insurance coverage for my family. My only hope is to get on a group plan, which means I have to work for someone else, or grow my business large enough to where I don't ruin the plan for everyone, which would be somewhere upwards of 30 employees. Right now, it is just me. So, I don't seem to be able to get insurance, but soon, if obamacare passes, I will be a criminal because I don't have insurance. What a dumb idea.

Dumb, dumb, dumb.

Ok, here is a solution for you. Take all "business" or "employer" group plans, and roll them all into a really big group. Everyone pays the same for the same coverage. Now, make different coverage levels that specify a dollar amount of coverage per specific treatment. Now, since the government is completely obsessed with the idea of them fixing health care, provide a government overload coverage plan, and anyone diagnosed with specific (very costly) problems, can opt into the government meddlesome program which will pay beyond the standard insurance coverage, but will also make sure everything billed for was actually done, and you have the information from someone that isn't writing out the bills to you or the program. They can go ape with that program.

Another thing, all insurance need to meet the same standard. Once they all meet the same standards, all insurance should be available to anyone. All providers should be automatically prohibited from being an insurance provider and vice-versa, to prevent the obvious conflict of interest there. The accountants who bill for stuff should be liable for fraud if they bill for something that wasn't documented, and if someone documents something that didn't happen, that is fraud. Lastly, a new standard for medical malpractice needs to be set and eliminate the ridiculous lawsuit payouts that have completely destroyed the old fashioned notion that a doctor is there to help people first. With our modern system, it seems that the accountants have made the doctors help themselves to our money more than help us to get healed. Of course, if that wasn't bad enough, the vampires ... um, I mean ... lawyers ... well, they then pick the doctors pockets. So little of health care seems to be about health anymore. Too bad we can't take money out of health care altogether.