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  Single-Payer FAQ
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TO YOUR HEALTH:

Single-Payer FAQ

SOURCE: Maryland Physicians for a National Health Program (MD PNHP) and Maryland Universal Health Care Action Network (MD UHCAN)
Recapturing the overhead lost in the current "non-system" and making it available for actual health care would mean that we can afford comprehensive care for everyone.
What does the term "Single-Payer" mean? Everyone has access to health care, from cradle to grave. Everyone in, no one out. Regardless of previous health status. Regardless of employment status or income or age or any other factor. It is your right as a U.S. resident.

What else has Single Payer been called? Medicare for all. Canadian-style health care.

How does Single-Payer differ from what others have called "Universal Health Care"? SinglePayer is the only health care plan that is truly universal because it covers everyone, no exceptions for pre-existing conditions, loss or change of employment, no waiting periods, no doughnut holes, no out-of-pocket expenses, no year-after-year of empty promises of reform with tiny incremental changes while year after year the number of insured and undeffiisured grows ever larger.

How is the current non-system organized? The health care insurance industry's sole reason for existence is to make a profit for its owners, its stockholders. The best way to maximize profits is to provide as little actual health care as possible. Sell a product (health care) but deliver as little of it as possible. Insure only healthy people. Drop those who have chronic illnesses or develop catastrophic health problems. Use these profits for obscene executive salaries. Advertising. Administration. Lawyers. Clerks. Accountants. Denial experts. Stock dividends. Lobbyists. Campaign contributions. They call these expenses "overhead."

How much does this overhead add up to? Up to 30 per cent or more, which means that only 70 cents of every dollar spent for health insurance is available for actual health care. With a Single Payer system, these costs could actually be used for health care. The savings amount to about $630 billion per year, which is way more than enough to provide comprehensive health care for the 54 million uninsured and under-insured.

Well, aren't these overhead costs just the cost of doing business? No. Medicare's overhead is in the 1 to 2 percent range. This means that 98 cents on the dollar is available for health care.

How do other countries deliver their health care? The U.S. stands alone among all modem industrialized nations in not having a system for providing health care for all of its citizens.

What do we actually pay for health care in the U.S.? Up to twice as much as most of the rest of the industrialized world, approximately $7,129 per person per year.

It is true that the U.S. has excellent doctors, hospitals and technology, but that doesn't help those who do not have access to this care.
Well, it's worth it. After all, we have the best health care system in the world don't we? No. We lag behind every other industrialized country in many health care outcomes, such as infant mortality life expectancy, immunization rates, etc. For example, among 33 industrialized nations, the U.S. is tied at the bottom of the list with four other countries, ranking just ahead of number 33, Latvia. It is true that we have excellent doctors, hospitals and technology, but that doesn't help those who do not have access to this care.

Well, don't people without insurance get care in our emergency rooms and through Medicaid? Yes, some do, but under circumstances that may delay, postpone or actually avoid care that is needed.

So what? Study after study has shown that care that is delayed, substandard or outright avoided results in suffering, disability and death. Not to mention the excess costs for care that is provided in emergency rooms, or by hospitalizations that could have been avoided by earlier diagnosis and care—costs that all of us pay by increased taxes and increased premiums.

How would Single-Payer work? A public agency would be created to organize health care financing, collecting money and paying the bills. Government is very good at these two tasks. The health care insurance industry would be eliminated as we currently know it. Insurance companies currently intrude as a barrier between the patient and the doctor. Health care costs would be controlled by a process of negotiation with drug companies, hospitals, doctors and other providers, creating a system that would be reasonable and fair to all.

Can we afford such a system? Recapturing the overhead lost in the current "non-system" and making it available for actual health care would mean that we can afford comprehensive care for everyone—including drugs, dental, mental, doctors, hospitals, vision, long-term care, medical equipment, medical devices, etc.

Under the single-payer scenario, the government would not own the health care system, just as the government does not own the health care system with Medicare.
Wouldn't this be socialized medicine? No. The government would not own the health care system—just as the government does not own the health care system with Medicare. Doctors, hospitals, drug companies, etc. would all remain private and be owned as they are now. However, they would have to negotiate with the public agency for what they could charge for their products and services and if they choose to remain. outside of the system they would be free to do so.

Would my doctor or hospital be assigned to me? No. You would be free to choose any doctor or hospital or other service that you need.

Well, if it is that simple and that great, why don't we already have such a system? Good question. Maybe the best question yet. Lack of political will—a situation created in part by huge lobbying efforts and the expenditure of huge amounts of money to perpetuate the current dysfunctional medical-industrial complex and maintain power and profits at the expense of everyone else. Tradition. Inertia. Fear of change. Successful advertising and propaganda. Remember the "Harry and Louise" ads opposing the minimal efforts at reform proposed during the Clinton years?

How can I learn more? There are websites that you can explore for more information; among them are: MD PNHP (Maryland Physicians for a National Health Program and MD UHCAN (Maryland Universal for a National Health Program).

What can I do to help? Join MD PNHP or MD UHCAN or other organizations active in this cause. Become more informed. Commit time, energy and money to help the efforts to convince legislators that the time has come for Single Payer reform. Don't be passive, indifferent or give up hope. Remember the quote from Winston Churchill when he was asked early in WWII, "Where are the Americans?." He said: "You can always depend on Americans to do the right thing, after they have tried everything else first." We have tried everything else. It is time to do the right thing and provide quality, affordable health care for everyone.


Copyright © 2007 The Baltimore Chronicle. All rights reserved.

Republication or redistribution of Baltimore Chronicle content is expressly prohibited without their prior written consent.

This story was published on July 31, 2007.
 

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