Mon
Jul 27 2009
11:26 pm
By: farmer leaf

BLUE CROSS

By Frank Jacobs of Mad Magazine

A bad experience with a medical coverage program.

Sung to the tune of: Irving Berlin's "Blue Skies": (link...)...

Blue Cross
Had me agree
To a new Blue Cross
Policy!

Blue Cross
Said I would be
Happy that Blue Cross
Covered me!

Then I took a fall,
Leg in a splint;
They said that I
Should read the fine print!

When a very high
Fever I ran,
They told me I
Took out the wrong plan!

That's Blue Cross!
There seems to be
Plenty for Blue Cross!
None for me!

Topics:

While someone may have had bad experience with Blue Cross I

for one have not. It has covered everything except my deductible in 3 relatively minor surgeries I have had. While I dislike paying the $296.00 monthly premium I sure am satisified when I have to use it.

The song "Blue Cross"

was written in 1961 and is meant as satire on the health insurance industry.

I'm glad you are satisfied with your Blue Cross coverage. My wife had her monthly premium doubled for no apparent reason and no explanation was given. That "crushing" increase effectively bumped her off the plan, which might have been B.C.'s intention.

Living and teaching Earth friendly sustainable agricultural practices.

Refuse2Lose, Did you know

that your insurance carrier, Blue Cross, upped their lobbying expenditure to 2.8 million dollars in the second quarter of this year in order to protect their bottom line against proposed health care reform?
(link...)

You might have thought your monthly premium was being used to provide health care coverage. Actually, about 20% is being paid to executive pay and shareholder dividends. Keep your hand on your wallet, they'll soon be looking for a higher premium to pay for all this lobbying.

(link...)

Living and teaching Earth friendly sustainable agricultural practices.

One word on health care

One word - CONTRACT sums up by concerns about taxpayer provided, government run health care.

As our experience with SSI, Medicare, and recent events have shown, when it comes to the government or government run programs there is no such thing as a contract. Whenever, the government wants to change the rules of the game, it changes them. With the stroke of the pen, the retirement age is upped. Another signature and Medicare benefits are changed. Just as easily as the "lock-box" SSI funds disappeared into the general fund (1968 by LBJ to help fund the Vietnam War), any health care plan can and will be changed. Medicare and Medicaid are billions in debt. When we pile the health care bills for millions of new people into the pot, how long will it be before people who actually pay taxes can no longer support the system?

The ONLY solution will be to lower cash outflow by changing the health care benefits offered; changing eligibility requirements, reducing what doctors and medical professionals make. (When has the government ever reduced costs on any program it runs?).

Many say that health care is already rationed - yes it is but now millions upon millions of users can to some extent control the rationing - they can pay for more or pay for less healthcare. Under the government plan, this will not be possible.

Indeed current events have shown us that when it comes to contracts even ones in which the government is not a party, nothing is beyond government meddling. Contractual rights and security interests are no deterrent to government intervention. Witness the resent devastation of Chrysler and GM's secured creditors (demonized by the President for attempting to protect the investment of the bondholders).

All government programs are subject to whim (not to mention miscalculation). The constantly changing bar in the cash for clunkers program is an example of the government’s inability to estimate costs and how lose it plays with the rules of the game.

Thus, what concerns me most about the health care legislation recently passed out of house committees is that it is a work in progress - it changes daily thus no one seems to have read it, no one appears to understand it, and as such, it will be constantly amended and changed to the determent of the ill and the taxpayers.

At least with my current insurance plan, I have a legal contract that unless the government intervenes is enforceable (with difficulty). On top of that, it is not 1,500 pages long. Yes, the insurance company can change my contract but I have to agree to those changes.

With taxpayer provided, government run health care there will be no contract and the plan will be as ethereal as clouds on a windy day.

Finally, even if health care is a Right when without a fight has our government respected our Rights - even those specifically enumerated in our Constitution?

Who runs what?

"

(When has the government ever reduced costs on any program it runs?).

"

It would appear that the Healthcare Industry, and it is an industry (16% of the GDP) is the tail wagging the government dog. Concessions granted to HCI by Congress so far include 12 year drug patents, no bulk drug purchase discounts, no negotiated prices. In short, no attempt to lower real costs to limit obscene industry profits.

Living and teaching Earth friendly sustainable agricultural practices.

Not commenting on intent..

However, the facts don't support your statements. Social security is far from broke; in fact, the fund is at about 15% of GDP or about $2 trillion.
(link...)
A Google search on "social security trust fund" will confirm your point about the SS funds being ripped off for other current federal spending.
My folks have Medicare supplemental insurance with United Health Care thru AARP. The contract is plenty long and it seems to work well for them. I've already seen efforts by local providers to change procedures to reduce health care costs and that will help Medicare and all other health plan members. Obama understands as you do that this has to be part of the solution, and has been working with health care providers to achieve this savings.

Thanks for your comments

SFCharle,

While we can debate the sustainability of SSI (too many current workers paying for retirees and people who never paid in and the fact that there is no trust fund there are only IOU's in the "lock box"), I appreciate the fact that you recognized my contention is not with health care reform but with the fact that the government seems to never honor its promises to the people.

My concern is that there is no accountability in government – at any level.

You point about the private contract your parents have with their private health care provider is well taken and is supportive of my point that unlike the contract your parents seem to enjoy, we will have no contract with the government and will have no standing to force the government to keep its health care promises.

This should concern us all.

I absolutely agree with

I absolutely agree with you!
All of the search results confirm that there is no money to pay back the SS trust. From LBJ on, we spent the Social Security money and highway money and airline money and probably the telephone money on wars etc.
The example of Medicare supplemental insurance is to show a cooperation between the federal and private sectors that seems to be working.
What I was trying to do was say "point well taken"; here might be a way to move forward.

The social security trust

The social security trust fund is held in Treasury notes. To make the case that there is no money in the account is to say that US Treasuries will be selectively redeemed, with the people who have paid into the SS trust fund getting their Treasury funds confiscated. Conservatives would seem to be saying that the USA shold pay back the Saudis and the Chinese but not people who have worked all their lives. Way to make your case, Brant. :>)

again, just supplying info to support the discussion

"Social Security's annual surpluses of tax income over expenditures are expected to fall sharply this year ..." (link...)

What will stop

WC, I am not saying the government "should" redeem the T-Bills of others before it does the workers who actually paid into the SSI "trust" fund. Rather my point is what stops the government from doing exactly what you suggest won't happen - the selective repayment of US Treasuries.

If one looks at where the money comes from to pay back the US Treasury bills, the answer to your question becomes apparent.

Eventually the money to pay off T-Bills comes from people who actually pay taxes. When the time comes, why would the government raise taxes to pay back the debt (T-Bills) owed to the taxpayers that are held in the SSI "TRUST" fund? (With government turning private investment on its ear, taking over the capital markets and major industry, and showing little interest in private investor rights who will be left in this country to buy future US debt? We just saw how little interest there was in the latest offering of US debt.

From Reuters: Poor demand at a U.S. Treasury auction of $39 billion in five-year debt raised worries about declining appetite for the U.S. government's burgeoning debt.
It was the second lackluster showing in as many days, convincing analysts that the stellar results of debt auctions just a few weeks ago were a fluke and that Thursday's $28 billion seven-year offering could suffer a similar fate. (link...)

On the other hand, there can be no doubt that the government, will honor T-Bills held by others and would gladly raise taxes to pay off debt held by the Saudis and Chinese? The taxpayers have no leverage - the Chinese have bombs, trade and more debt to prop up the US $ and the Saudis have oil. Really, who do think will be paid back – the SSI trust fund or others?

All I am saying is that the people of the United States no longer seem to have enough power over their government to prevent the government from voiding contracts, ignoring promises, and generally doing what it pleases. Is this the outfit, we should turn our health care over to? With the government, you can’t even vote with your wallet because the government owns our wallets (our votes at the polls seem to matter little).

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