What made the GOP debate last night so deadly dull was all the numerical “facts” candidates had memorized and spouted. Those that weren’t totally false, lacked context (I know they were intended to deceive) but to me they also exposed the candidates as zero knowledge of the structure and purpose of various governmental programs. I’ll limit myself to one program, Medicare, and two candidates Paul and Carson.
PAUL: The question always is, what works better, the private marketplace or government? And what distributes goods better? It always seems to be the private marketplace does a better job.
Is there an area for a safety net? Can you have Medicare or Social Security? Yes. But you ought to acknowledge the government doesn’t do a very good job at it.The main problem with Medicare right now is that the average person pays in taxes over their whole lifetime about $100,000. But the average person takes out about $350,000. We have this enormous mismatch because we have smaller and smaller families.
He’s repeating an article of faith among Republicans and neo-liberal Democrats, mixing some apples and oranges for the anti-abortion base, and also flipping the standard refrain of GOP voters on its head.
And what distributes goods better? It always seems to be the private marketplace does a better job.
Would Dr. Paul please produce the evidence that any health insurance provider has OA&G expenses as low as that for the portion of Medicare that is exclusively managed by the USG. He won’t because he can’t because in some areas government can and does operate more efficiently and at lower cost than the US private sector can.
We have this enormous mismatch because we have smaller and smaller families.
See, Medicare would be fine if Americans would only return to breeding like rabbits
.
The main problem with Medicare right now is that the average person pays in taxes over their whole lifetime about $100,000. But the average person takes out about $350,000.
The “stand on its head part” is that the public as been led to believe that they have paid for Medicare through their payroll tax. Hence, beneficiaries scream, “I paid for it.” It’s not true. It was never true and the program was never designed for that to be true.
Workers and their employers pay into an insurance program that covers the hospitalization costs for existing Medicare beneficiaries. Actuarially, a little bit more than a “pay-go” tax rate would have required, and that excess for over the past fifty years has resided in the Medicare Part A Trust Fund. In the past few years, Part A has been running an annual deficit and if this continues will require an adjustment some years from now.
Now I’d also like Mr. Paul to provide evidence of any insurance company for any insured risk that pays out an average of 3.5 dollars to the beneficiary for every dollar collected from the beneficiary. Can’t be done. Insurance company’s pure loss ratios over a number of years are less than or near 100%. (And the ACA health insurers are at 80-85% loss ratios.)
Medicare Parts B-D funds come from general revenues and beneficiary premiums. The reason for this is that flat taxes, like Medicare payroll taxes, are regressive. It’s smart public policy to establish programs that everyone has an investment in. It’s also smart to pay for it based on ability to pay. It’s not smart politics not to remind the “tax cut” folks that they are asking to reduce funds for Medicare.
Moving along to the second physician in the GOP clown car —
CARSON: Well, first of all the — the plan gives people the option of — of opting out. But I think they will see a very good option here. You know, the annual Medicare budget is over $600 billion. And there are 48 million people involved — 40 million, 65 and over, and 8 million other.
Divide that out. That comes out to $12,500 for each one. Now, I can tell you there are a lot of private-sector things that you could do with $12,500, which will get you a lot more than you get from this government program.
And that’s really a theme of a lot of the things that I’m talking about. How do we utilize our intellect rather than allowing the government to use its, quote, “intellect,” in order to help us to be able to live healthier and better lives?
We’ve already covered the extremely low administration costs of Medicare, but other than that who the hell does Dr. Carson think is receiving Medicare disbursements? Approximately $12,000/year/beneficiary? Government operated hospitals and clinics, government employed doctors and pharmacists, and government owned drug manufacturers, medical device manufacturers, etc.? As the vast majority of the US medical providers/suppliers are private, and therefore, collecting most of the $12,000/year/beneficiary, why would they provide more for less if given the whole shebang? If they’re so smart, why are they charging so much on a per capita basis for US senior citizen health care? An amount that would bankrupt the universal health care program in any other country with such a program. (Let’s also not neglect to note that those countries provide care for a senior population that is 15% to over 20% of their total population and not the piddling 13% that exists in the US.)
Is it at all possible that the primary problem with Medicare (and all US health care) is that the private sector demands too much money? That it can’t do the job as well as government does in the UK or the highly regulated providers/servicers do in other countries? Oh sure, the medical school cost of physicians, nurses, etc. doesn’t get embedded in the health care costs of UHC countries because the governments pick up that cost, but throwing that into their numbers wouldn’t change the disparity in US per capita health care costs and theirs by much. (And I doubt that med school in those countries costs anywhere near what it does in the US.)
Phillip Longman in The Best Care Anywhere details how government health care can surpass that of the private sector. And let’s be fair, the population served by the VA isn’t representative sample of the Medicare or general population. They have more special medical needs, higher rates of PTSD and other psycological issues, and while in service were exposed to more and more various toxic chemicals than the general population. It’s not inexpensive, but a portion of the cost should be billed to the Pentagon and included as part of the cost of the dumb wars the US has engaged in since 1963.
Will end with a video of Dr. Alexa Canady telling her story as the first US AA female pediatric neurosurgeon. Dr. Alexa Canady is worth listening to, unlike Dr. Carson.
Update
Bill Moyers & Company, Mike Lofgren: The GOP and the Rise of Anti-Knowledge
English unfortunately doesn’t have a precise word for the German “Fachidiot,” a narrowly specialized person accomplished in his own field but a blithering idiot outside it. In any case, a surgeon is basically a skilled auto mechanic who is not bothered by the sight of blood and palpitating organs (and an owner of a high-dollar ride like a Porsche knows that a specialized mechanic commands labor rates roughly comparable to a doctor).
How could such a useful word not exist in English? Too many fachidiot dictionary guardians or too many fachidiots among those from which new words emerge and come into usage.
TPM Top Staffer Acknowledges Ben Carson Had ‘Contract’ With Supplement Maker So, Carson flat out lied on this matter in the GOP debate when he denied any relationship with Mannatech.
I encourage others to view the Carson Mannatech promotional video. (Who does he think he is? Mike Huckabee?) What’s interesting to me that I’ve not seen noted anywhere is that Carson claims not to have had any familiarity with diet in relation to health before his bout of prostate cancer bout and discovering Mannatech’s miracle supplements. Why that’s strange is that the one thing Seventh Day Adventists are known for is a focus on health through diet. That’s how many people were introduced to a healthier diet. Fifty years ago, SDA affiliated grocers were one of the few places where people could find whole grain and decent bread products. Michael Pollan put into words what has long been practiced by SDAs
Amazing that a doctor knows so little about Medicare.
I wouldn’t let that guy take a splinter out of my toe, much less operate on my brain. Did he self-experiment in Med school?
Perhaps that’s why he elected to specialize in pediatric neurosurgery. Patients with no say in the matter.
However, I’m totally impressed by Dr. Alexa Canady.
I disagree. ALL of the cost should be charged to the Defense budget.
Would be fair to discount the cost by the average per capita cost for Medicaid for those under 65. iirc the VA does pay Medicare premiums for some vets. Also:
Yes, I see that. Bill them only for the service connected part, using your practical definition, not their own self-serving definition. OTOH, to the extent that the VA benefit is used as a recruiting tool, it is as much a part of the cost as service pensions, which IIRC are not part of the DOD budget either.
Also note the rising corporatization of medicine. More and more doctors who used to be independent businessmen are now employees making much less even though charges are higher. Where does the money go? Why to CEO’s and private equity firms that finance the takeovers. I doubt if UK top bureaucrats are paid as much as American CEO’s.
Did I post before about my cpap? No, that was yahoo.finance. My latest CPAP mask, made of cheap plastic, and worth in my (skilled but not expert) opinion about $20 was billed at $458. Medicare approved $54, paying $44, my BCBS paid the other $10. And how much overhead processing was in this crazy quilt of claims processing? IMHO the medical equipment company still made about 67% profit. And tried for 96%, trying to pass of a few pieces of injection molded plastic (probably from a plant in China) at the price of a large screen TV set with the intricate manufacturing and firmware programming involved in that. A tire is more complex!
The administration costs for that purchase would be close to what was paid for the product.
Out in my area, huge numbers of private practice physicians have become Kaiser employees. Net income not much different and far fewer headaches. Primary care doctors IMO are generally underpaid, but the specialists regardless of where they practice do very to extremely well.
When I was young, a collection/restitution file on a small embezzlement landed on my desk. The women had been dutifully paying something like $10/month for a couple of decades and had managed to cut the balance due by something like 50%. I took it to my boss and pointed out that processing the receipts was then costing us something over $10/month and would continue to increase over time, and I suggested that we forgive the balance due. I’m sure we made that woman’s day when she received the forgiveness letter.
When I worked for the government I received Court leave (full pay not charged to vacation) but had to sign over the court trivial paycheck along with a detailed form.
I was called to jury duty when I worked for International Harvester and assumed that I would have to turn over the check (less than $10, about $7 I think). My boss told me that I didn’t have to, company policy being that it would cost more in accounting fees and clerical time to deposit these trivial checks). I got full pay because I was salaried. I suspect the UAW workers got the same deal. It seems a small concession to the union. BTW, we non-managerial white collar guys always rooted for the union because when they won something the company would give it to us too for fear we would also start a union. Four weeks vacation right off the bat. 100% company paid GOOD health insurance, generous pension, et cetera. IH was actually the insurer, AETNA merely acted as an agent. They turned down a claim once and I appealed to the company. They ordered AETNA to pay (it was IH’s money after all).
Full pay and no charge against earned vacation/sick days off for jury at my white collar jobs. Turning over the jury duty paycheck to the employer is technically a cost efficient method to verify the time off as jury duty.
Showing the stub to a manger should be sufficient. The amounts, at least here in Illinois, are trivial. The transportation allowance only pays for the CTA and I suppose if one is on welfare, any money is money. Still, the latest jury pay, just a few years ago only paid for lunch in the court cafeteria, which was putrid. Since that court was attached to Cook County Jail, I supposed we got what the inmates eat – slop. A decade earlier I was on a civil trial in the heart of the Loop. We got sandwiches from the sandwich shop on the first floor of this 20 or 30 floor high rise. The sandwich shop was where most of the lawyers ate. The food was EXCELLENT.
Our thread is way off the diary topic, but bitching about the piddling amount one receives for jury duty pay while one is also collecting full pay from an employer strikes me as weird. Why should employers have to absorb 100% of the cost of employees performing their civic duty? What could be simpler to eliminate any manager/employee confusion or collusion to skim a few bucks than signing over the jury duty pay to the employer?
poll of workers cheating about sick days
57% admit to calling in sick when they aren’t. Admittedly, the structure in many workplaces that extend sick day benefits doesn’t promote honesty. Some have tried with the “personal days off” benefit, those end up being used like other vacation days. I don’t have any good answers on a structural fix for reducing the problem of employees that abuse sick day benefits, but the problem is real and negatively impacts all of the other responsible employees.
Just to make it clear, I wasn’t complaining about the pay being too low when added to full pay from the employer. I see it might have looked that way. I meant the pay was ridiculously low as pay. I see why many people avoid jury duty. It ‘s effectively losing a day’s pay unless one works for a big company or government agency. BTW, the USPS lost many hours of time nitpicking my paperwork. The crowning blow claim when a “reviewer” in Milwaukee suggested I should be docked because court days are usually less than eight hours and I hadn’t filed a change of schedule request in advance. For the only time in my life I swore in an official e-mail. “F**king useless drone in Milwaukee” as I recall. The shift manager came out on the floor, laughing. “She got to you didn’t she/ just remember, I have to put up with this crap from Milwaukee every day.” He told to fill out the form backdated and he would sign it.
My gripe actually was transportation. The court only pays bus fair and most suburbanites drive or take the train. I could have taken the bus to criminal court. It would have taken hours with two transfers in the middle of some the most dangerous neighborhoods on the West Side. I drove and paid for parking. When I was at the Daley center in the loop, I took the train and walked from Union station. At least when I was empaneled I got fed well (was unemployed too). I think I mentioned before that the other jurors drafted me for foreman. I still think it was because I was the only man wearing a suit. Didn’t make that mistake at the Criminal Court. BTW we had a juror removed because he kept falling asleep. He worked nights so his employer didn’t see why he should be excused from work. We all talked to the bailiff and explained the situation and asked her to tell the judge it wasn’t his fault. the bailiff assured us that the judge wasn’t going to punish him.
Evening court — downtown LA for me. So, it was like a second half-shift for me for three weeks, but I remained alert. Scary the first night when I’d ended up having to park in a not well lit below ground garage down several stories. After that we parked in a lot near the courthouse and a guard accompanied us to our cars.
Jury duty is just that — civic duty. The “pay” is nothing but a nominal amount to assist people with the costs incurred to serve. If it’s a financial hardship for someone to serve, they are excused. That skews the jury pool to older but for younger jurors, they do tend to be a bit more educated than average.
Sticklers for dotting every i and crossing every t tend to get a bit compulsive and lose perspective. If it’s an individual, and not rigid and inflexible organizational systems that lack appropriate managerial discretion, they tend not to be all that competent and fail to recognize the importance of developing and maintaining good relationships with those they have some responsibility for. IMO, better to err on the side of being too lax than too rigid.
There are a lot of people that don’t register to vote to avoid jury duty. So many that Illinois switched to driver’s licenses for pools. Personally, if one is so selfish, I don’t want them on my jury. I have noted that they tend to be Republicans. really. It’s not just that republicans are the majority here. When you talk to them, Democrats are much more likely to talk about civic duty and responsibility. Republicans talk about me, me, me. Unless it’s military service. Then republicans like the draft and Democrats don’t.
I wonder. Illinois is issuing driver’s licenses to illegal aliens, only they are a distinctive color or colored stripe indicating the driver is illegal. I thought that was kind of crazy. Who would get one? But apparently Illinois won’t turn you over to ICE for a speeding ticket. I wonder if some lawyer got their client’s conviction overturned on the grounds of non-citizens on the jury? That was the original reason for using voting lists. Maybe that’s why the distinctive marking, to weed them out before they get to a jury.
Ive done that myself. As far as I can see, that 57% becomes 100% at USPS. By contract no documentation is needed for less than three days per quarter. It’s well known that if you really really need a day off, like for your kid’s graduation or wedding, you can in instead of asking. Some do abuse it by using all their available leave this way. Then when they get sick badly, they ask for vacation donations. Fat chance.
Call in. I can’t type anymore it seems.
Thanks for this post. It´s important to refute the malicious bullshit on this and other issues. There´s a particularly large amount of it coming from the magically thinking GOP.
There’s so much malicious and harmful BS out there today that it’s exhausting for a virtual army of debunkers, each of whom can only tackle a snippet or two of BS.
It’s difficult to ask ordinary citizens to consume all the important facts and information they need to make informed choices and decisions. Just asking them to set aside their personal biases and prejudices is a tall order. Was less critical back when on average those seeking pubic office had a higher sense of duty to the public good than they do today. Even the lowliest of House members don’t leave office after a couple of decades with as small a bank account and opportunities for future earnings as Truman did when he left the office of the Presidency. He wrote a memoir because he had no income. Today they write books to get richer.
HuffPo Ben Carson Raised $10 Million In October
Best comment — Jeff Stein
I am completely agree with you. This article shows the true faces of today’s doctors and i would like to say that govt. should take step in order to provide best medical services to the patients.
To know more about it you can visit our webpage DukeMeds.Com which is all about Generic Viagra 100mg Medication and all other medical and healthcare services.
Dr. Ben — the biblical archaeologist, The Guardian Pyramids were grainaries not tombs. And the biblical Joseph designed them.
Missed this one (h/t Bill Maher for mentioning it):
Politifact Ben Carson says Mahmoud Abbas, Ali Khamenei, Vladimir Putin knew each other in 1968 Moscow.
Unlike Carson’s granary pyramid claim, there seems to be but one original source for this story, Cliff Kincaid. Like using L Ron Hubbard as a science adviser.
Verdict:
Good Christ, Cleon Skousen and Cliff Kincaid are in Carson’s Cabinet of the mind. And if you look at this amazing press appearance from Friday, he appears to be willing to swallow whole every crazy right-wing talking point:
http://crooksandliars.com/2015/11/ben-carson-unleashes-litany-anti-obama
Obama’s “suspiciously” sealed college records and his relationship with Frank Marshall Davis…this stuff is bottom of the barrel, Infowars/Townhall level bullshit, and he delivers these cow patties in the most sanctimonious and argumentative way imaginable.
He’s first in the GOP POTUS polling right now.
The Parties are not the same.
Could he be crazy like a fox? Just feeding the red meat to get the nomination?
Once again, we’re in the primary cycle. Defer your “the parties aren’t the same” rants until the nominations are settled.