Insurance Tips

Insurance companies are obsolete

Morton Mintz sat on our panel for "Guaranteed Health Care for All" a forum for progressives to Pennsylvania organized 9/18/08. He is a media critic, freelance journalist at this point in his long and illustrious career (the sixties).

He was a reporter for two newspapers in San Luis, Star-Times and Globe Democrat from 1946-1958, and the Post Washingtom, 1958-1988.

Morton Mintz wrote the article, "Single Payer: Good for business" for the magazine The Nation, November 15, 2005.

Jerry created a business Policoff care PA Medical Report based, in part, in this and another Morton Mintz piece, as well as articles about Single Payer in the New York Times, a survey by the Kaiser Family Foundation, Pittsburgh Business Journal of Milwaukee, and Philadelphia Business Journal.

Why is publicly funded, private medical care provide better for business in Pennsylvania?

* Highest quality, comprehensive health care at lower cost

* Save 25% on administrative overhead for physicians, hospitals and patients

* Makes business budgeting and predictable and stable investment

* Nightmare Ends Negotiations with insurance companies

* Generates strong job growth, starting with medical delivery industries

* Make more companies PA in competitive national and global economies

* Harness the power of the Commonwealth of purchase of prescription drugs to cut costs in half

* Reduces property taxes, Auto Insurance and worker's compensation

* Funded through an annual fairtax replaces an unfair premium / co-pay/deductible that far exceeds inflation

Single payer, defined as publicly funded, privately delivered healthcare for all, is a system that includes free choice of doctors and cuts taxes for employers. Employers no longer have to pay for care of Workers' Compensation, in 2002, according to Morton Mintz's resources, it takes more than 38 million dollars.

Automobile Insurance Rates would be for everyone because companies no longer liable for medical and hospital expenses of employees injured or sick.

Why not Corporate America jump at this opportunity to embrace single-payer health care delivery?

Many small business owners understand the consequences of continuing along the path reckless allowing the same insurance providers to dictate American healthcare delivery.

This is what a few business owners in Pennsylvania have to say:

"This year, our premiums were 74%, which our agent thought it was a mistake. We have a woman who is terminally ill with cancer and the insurance company said it has nothing to do with our income. No company, large or small, able to absorb these costs or increase.

"So what? Drop our coverage, and how do you live with yourself?" Scott Tyson, MD, director general of Pediatrics South Pittsburgh. PA (60 employees).

"We work with the system we have, but it breaks and it seems that single payer is the way forward. We work very hard to try and ensure that our employees because we feel it is our duty. Every year we sit and look at our health plan. We make decisions based on what we cover, what not to cover what should be the deductible, how much we charge employees when they go to the doctor's office. We make all those decisions. Our people end up going forward to the ride. It is not right but it's the way it is. It is my duty to try and protect our plan and the best, cheapest plan I can for our employees so that I can keep providing health insurance for them. "Alan Jacobs, President, Isaac's Restaurant in South Central PA (700 employees).

"Our insurance rates have more than doubled in the last four years. We are paying over 20% in our existing payroll only for health coverage, and budget time you do not know what to expect. When you've had increases of 25%, which pretty much have to say that we expect an increase of 35% or higher.

"We are one with profit organization, we can not afford that and still make money. In a single payer we'd save at least $ 50,000, you could use to hire more people. This past year we have increased the deductible, and it was painful for us to do that. If we pass a single payer, we will attract business. No manufacturer not want to locate to Pennsylvania because it can predict your expenses year after year. You would have stable costs.

"And everybody in and out of anyone." Charlie Crystal, Owner and CEO of Mission Research, a software company in Lancaster, PA

"I think it is a moral obligation provide health care to all employees. Six years ago, I was paying $ 176 per month per employee for health benefits. Last year raised $ 577. This year it was up to $ 627. Telling me that next year will be another 20 or 30%, and will not stop. It has no moral sense. It has no political sense. And not to do business sense. "Mike Stout, president of Pittsburgh Steel Vally PA Printers (17 employees).

Morton Mintz interviewed Deborah Richter, a Vermont doctor who considers the publicly funded and provided by private medical care system may be enacted in each state. She believes that single payer should be conceived "As a public good like roads, education, police and fire protection."

She believes that if single payer is seen as a practical matter rather than a moral issue, then support for guaranteed universal health care would gain momentum during the night.

Doing well by doing good.

This is the reality that single payer would bring all of us here in Pennsylvania.

About the Author

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Kate Loving Shenk is a writer, healer, musician and the creator of the e-book called “Transform Your Nursing Career and Discover Your Calling and Destiny.” Click here to order the e-book:
http://www.nursingcareertransformation.com
Check Out Kate’s Blog:
http://www.nursehealers.typepad.com
http://www.katelovingshenk.com/blog
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