Triggerband Web Journal

It is easy to point out what is wrong with healthcare. It takes somewhat more thought to discover why those problems exist, and still more thought to make policy recommendations about how to solve the problems. Here is such a recommendation, one that will improve healthcare financing. If your agenda is to shrink government, you will dislike this proposal. If your agenda is to enlarge government, you also will shun this proposal. However, if your agenda is to create a system that works for most Americans and is sustainable in the long-term, you may find merit in this plan.

Auto Warranty

Health insurance is more like a car’s warranty than auto insurance. Third party liability, as exists in auto insurance, is not envisioned in health insurance. It offers only the equivalent of “collision” coverage, which covers damage to your own vehicle in an accident without regard to fault; plus a warranty covering damage to parts and systems during normal use.

There are two types of car warranties: powertrain and bumper-to-bumper. Powertrain warranties cover the engine, transmission, and drivetrain – the components necessary to “power” your car. Bumper-to-bumper warranties cover almost everything, including the powertrain.

Powertrain Health Insurance

When discussing health insurance, it would be useful to differentiate between “powertrain”-type health insurance and full “bumper-to-bumper” health coverage. Here are definitions of the terms:

Definition of Powertrain healthcare: insurance covering treatment to a person’s vital organs and systems if it is necessary to maintain the person’s life and basic functions.

Definition of Bumper-to-bumper healthcare: insurance covering the full spectrum of non-elective treatments that are reasonably expected to improve a person’s quality of life.

Details can be worked out. We may want to include treatments for Type I diabetes but not Type II, for example, in powertrain coverage. For the broader purposes of this article, the category of treatments now considered “medically necessary” is being split into two categories, vital and non-vital. These definitions disregard whether a condition is an emergency. This means regular ECGs are more likely to be covered than a fractured ankle under a powertrain plan.

Role of the Federal Government

Powertrain issues – heart problems, cancer, stroke, Alzheimer’s – destroy lives, put people out of work, and bankrupt families. This area is where Americans need help from their government. Limitations on treatments for life-threatening and disabling conditions are more often a product of availability than price. Therefore, the quality of care has little to do with who pays.

The U.S. government should provide powertrain coverage for all Americans. However, it should leave additional bumper-to-bumper coverage to businesses and individuals if they so choose. It should also make self-insurance for bumper-to-bumper conditions a viable alternative.

Big Government versus Small Government

Here is an enduring debate between fiscal liberals and conservatives. Each side would love to savor the taste of victory. Unfortunately for both sides – and perhaps fortunately for our nation – this debate is unwinnable.

Usually, when two sides are deadlocked or engaged in a back-and-forth over long time periods, it is because neither side is addressing the real issue. The question to ask in this debate is how big does government need to be to fulfill its role effectively? The size our government needs to be is the inverse of the private sector’s effectiveness plus the square of its corruption, written in the formula: Size of Government = (Size of Overall Economy – Private Sector Effectiveness) + (Private Sector Corruption)².

Corruption is squared because as it increases, it is seen as more acceptable; and there is less will within the private sector itself to discourage and expose corruption. Of course, this formula applies to government involvement in the economy only, not in social or foreign policy matters.

Problems with National Health Coverage

What turn off many Americans are anecdotal complaints from citizens of nations having a form of national healthcare. Most of these complaints center on two problems, rationing and lack of choice. The problem of rationing is really a blessing in disguise. When people think that if they become ill they can have access to quality healthcare, they are not as inclined to care for their bodies. This concept is no doubt unpopular, but it is established truth in the insurance industry. Rationing is therefore desirable in a national health plan.

Lest anyone think rationing healthcare is totally unacceptable in a modern society, understand that if we do not control rationing, the system will ration itself – and it may not be in a way that we would prefer. Healthcare’s growth as a percentage of GDP is unsustainable. Soon society, including the federal government, will no longer be able to pay, and services will diminish. And even now, the idea that Americans with health insurance have ready access to quality care is a myth. Many Americans hold onto this myth until they or a family member becomes ill. It is then that the reality of healthcare’s limitations becomes apparent; and oftentimes, prevention offers no second chance.

A Pro-Choice Policy

Perhaps the most important healthcare choices are vital in nature. However, on a practical level, the choices Americans really care about are in non-vital matters, such as who their family doctor is and whether they get access to new medications. Life and death matters requiring procedures such as kidney dialysis, appendix removal, and insulin injections are not what they think of when asking for more healthcare choices.

This proposal preserves these choices by limiting government-sponsored healthcare to matters of vital importance, where there is general agreement about proper methods. This broad outline leaves room, as well, for building choices into a government insurance plan.

Perfection is out of reach

While it is utterly impossible to develop a system that satisfies the desires of all Americans and interest groups – so long as corporations profit from bad care, and Americans live dangerously unhealthy lifestyles – it is still quite easy to create a system better than the one we have now. Therefore, you should view this proposal as a new perspective; a different, and perhaps better, way of seeing the issues. This is not a quick fix. Anyone who tells you they have found a quick fix to healthcare is lying. There are just too many factors to consider.

The foremost factor in healthcare reform is the false, illogical theories upon which the medical profession is based. Until medical theory and practice are reformed, tinkering with the financial and business aspects of healthcare will accomplish little. This does not mean we should replace “conventional” medicine with “alternative” medicine. Nor does this mean we should take the best of both schools and form hybrid practices. Rare is the person who does not subscribe to one of those two camps. Alternative or “complementary” medicine is no longer a catch-all category for rejected methods. Instead, it has become a defined, competing branch of medicine; sadly, with illogicality similar in degree to that of conventional medicine.

Instead, what this means is that we should set aside ambiguous studies and marketing claims, and go through the evidence – studies, patient testimonies, physicians’ observations – with an eye for correlations among facts. Patterns of correlations can be used to theorize. Then we test those theories, not only with double-blinded placebo-controlled studies, but by logical, rational, and reasonable analysis. Are patients responding the way we would expect them to? Are there any symptoms that cannot be explained by our theories?

Tested theories are truth. They do not become truth because truth was present already; it was found, if you will. Various truths can be placed within a framework and cohered. When there are enough truths known in a particular branch of medicine for them to present as a mental image, they can be intellectualized into working models. Such are a physician’s most valuable assets. Technology, formal education, facilities, and skill are dwarfed in significance when compared to reliable medical models that explain why patients get sick and suggest what needs to be done to help. Penicillin would have been useless without the germ theory; or never discovered in the first place.

Many of the treatments in both conventional and alternative medicine are working for reasons other than the ones physicians think. Conversely, treatments physicians claim will work do not for reasons they cannot explain. This indicates, to those who are analyzing evidence logically, rationally, and reasonably, that their models are incorrect. All this talk about truths and models might appear abstract and even irrelevant. However, the Fascial Distortion Model reveals that once physicians correctly understand disease and injury processes, successful treatments will naturally follow. Models, theories, and philosophies ought to be discussed and debated openly, for they are the gems of healthcare reform. Financing is the gold in which they are set.

Automotive Safeguards

Here in Michigan and in other states too, auto repair shops are required to present a written estimate of repair costs. This law prevents an awkward scenario where a car owner discovers, to his dismay, that charges are far higher than he expected. A similar law would be nice in the healthcare industry. Granted states do have laws requiring doctors to post their office visit fee schedules, but this applies primarily to out-patient care.

When it comes to emergency and in-patient care – and prescription medications – patients can do little more than cross their fingers, hoping the hospital bill is not as bad as their reason for the visit. The argument for “surprise billing,” presumably, is that the patient’s health is more urgent and important than financial matters in a crisis. This may be true, but anyone who has gone to the Emergency Room with anything less than an immediate, life-threatening condition will tell you they always find time beforehand to check your insurance.

It is a principle that systems operating behind closed doors are easily subject to corruption. In the healthcare industry, openness is compromised not only by entrenched interest groups, but by the system’s sheer complexity. It is well nigh impossible for any single entity other than the federal government to oversee it. This is not to say the government is unsusceptible to similar corrupting forces. Therefore, a form of national healthcare such as powertrain coverage should be seen as merely the beginning of reform; logical, rational, and reasonable medical models as the end.

Alexander Typaldos