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Do Social Security and Medicare show that Obamacare can be successful?

The loyal defenders of President Barack Obama and the Affordable Care Act (ACA) keep pointing to Social Security and Medicare as examples of successful government programs whenever someone points out that government doesn’t do anything very well. The nearly perfect record of dismal performance in federal programs is a key reason that critics doubt that the massively flawed rollout of health insurance reform lovingly referred to as “Obamacare” will eventually turn into a success.

Liberal commentator Juan Williams proudly notes how “popular” both Social Security and Medicare are, citing them as having received 70 percent support among those asked whether they like the programs or not. But just because lots of people like a given federal program doesn’t mean it is a beneficial or successful program.

It is certainly true that Social Security and Medicare are very popular and proponents vigorously oppose balancing the budgets of the two programs by reducing benefits. But, again, by the “popularity” standard, programs that create dependency like welfare, food stamps, and free cell phones are successes, too.

However, reality paints a far different, and much less rosy picture of Social Security and Medicare.

These programs are not giveaways funded by taxpayers, they are funded primarily by payroll taxes on employers and the employees who benefit from them. Even so, because of mismanagement and a failure to adapt to changes in demographics, both programs are broken and broke, running annual deficits.

This is the typical sort of success we find in “successful” government programs, and we have to wonder if there isn’t a better solution to most problems the government thinks it can solve. And the answer is, “yes, there is.” The private sector can do it better, as evidenced by multitudes of successes over our 230-plus-year history.

What too often happens is that when government sees the private sector not completely solving a problem, it thinks it can do better, and a new federal program is born. But the ultimate result is that the federal government does no better at trying to solve the problem than the private sector, and often does much worse.

In contrast to the self-funding process involving the beneficiaries of Social Security and Medicare, other programs give handouts to both those who need help and to those who really don’t need it, and these recipients pay little or nothing in taxes to support the giveaways.

These programs are rife with waste, fraud, and abuse, because government does not manage them efficiently. You can make a very good argument that government is inherently unable to manage these expansive programs competently.

Giving people money is one of the first priorities of politicians; it’s how they buy popularity, which translates to votes.

But as examples go, Social Security and Medicare, while intended to be self-sustaining without support from general tax revenue, are not examples of good government programs because they have been mismanaged and neglected.

Social Security began running a deficit in 2010, will run a deficit near $75 billion this year and the projected deficit will reach $344 billion in 2035 if something isn’t done. Social Security is beginning to fail in its ability to take care of seniors because government has failed to properly operate the program.

A panel determines Medicare reimbursements, a panel that meets in secret and relies heavily on the recommendations of the American Medical Association. Many doctors already do not treat Medicare patients because the low reimbursements don’t cover costs. Medicare providers have to balance low Medicare payments by shifting lost dollars to insured patients.

So that’s a brief glimpse into Juan Williams’ idea of successful government programs. Is this what the ACA also promises, or will it somehow be different?

Even if we believe the ACA is a good idea, even if it had been competently designed and implemented, and even if we overlook the disgraceful manner in which it was created and jammed through Congress before being read by the Democrats who enacted it, it is still a government program that supposes it will be more effective at running 18 percent of the nation’s economy, and one of the most important personal concerns Americans have, than the private sector.

And now $716 billion will be taken out of Medicare to fund Obamacare, meaning reimbursements and senior care will suffer, or the deficit will increase.

Obamacare attempts to do by force what Republicans attempted to do by choice through initiatives focused on the problem areas of the then-current system, and Democrats opposed and defeated those efforts.

Despite Supreme Court Chief Justice John Roberts’ phantasmagoric redefining the fines imposed by Obamacare as taxes, the U.S. Constitution did not intend for, and does not authorize government to commandeer one-sixth of the economy.

Those who think government is the answer to everything need to remember that the only reason there is a government of the United States of America is because the people – remember “of the people, by the people, and for the people?” – created it by assigning government limited powers in certain specific areas.

It is perverse in the extreme for the people now to be controlled by that which they voluntarily created.

Random thoughts on the passing scene

Some of those who think the American health care system needed to be trashed and reformed in the image of the Canadian system might be interested in the opinion of Bacchus Barua, a senior economist with Canada's Fraser Institute.

"Healthcare in Canada is anything but free," he states, noting that the average family of four pays more than $11,000 a year in taxes for hospital and physician care. However, he explains in an article for The American "surely such expenditure is justified if Canadians receive a stellar healthcare system in return for their tax dollars. Unfortunately, that simply isn't the case."

Specifically, he lists some problems with his country’s system:

** Canada has fewer physicians, hospital beds, and diagnostic imaging scanners, and performs fewer medical interventions than its American and European counterparts.

** Canada has one of the lowest physician-to-population ratios in the developed world.

** A recent survey found that Canadians must wait an average of about 4 1/2 months for medically necessary elective procedures after referral from a general practitioner.

** The wait for diagnostic imaging technologies like MRIs is over two months on average.

** Patients in Canada are likely to wait two months or more to see a specialist, six days or more to see a doctor when sick or needing care, and four hours or more in the emergency room.

** Due to the lengthy waits, about 40,000 Canadians leave the country for treatment elsewhere each year [like the U.S.].

** Public drug plans covered only about a quarter of the new drugs approved for sale in Canada between 2004 and 2010.

He concludes: "These realities serve to dismiss the mythical notion that a Canadian-style healthcare system" is highly desirable.

We are headed in that direction.

*****

During the mortgage banking crisis the federal government pressured large banks like JPMorgan Chase to take over the bad mortgage loans sold by failing banks Washington Mutual and Bear Stearns. Now the government is fining JPMorgan $13 billion for helping the feds deal with the crisis. Can you say “shakedown?”

*****

Planned Parenthood involves itself with topics other than planning parenthood on its Facebook page, discussing topics like why some types of sexual activity are painful, transgender issues, and promoting Obamacare. Not exactly family planning.

An article on the Internet site bighealthreport.com reports that on Planned Parenthood’s Facebook page for teens it answers the question: “Is promiscuity a bad thing?” and that the organization defended doing so with the statement, “there’s nothing bad or unhealthy about having a big number of sexual partners.”

Isn’t this the mentality that has led to 40 percent of our babies being born out of wedlock, and males with multiple children from multiple “baby mamas?”

This “advice,” such as it is, increases the likelihood of HPV and cervical cancer among females, in addition to STDs. “Even the Guttmacher Institute, the former research arm of Planned Parenthood, considered ‘a person to be at direct risk for STDs if he or she had had two or more partners during the 12 months preceding the interview’ during one of their research studies,” Big Health Report said.

The article notes “a person with low self-esteem has been shown to engage in sexual relations earlier, and engage in riskier, unprotected sex with multiple partners.” Does that sound like “nothing bad or unhealthy” to you?

Seriously? This is what we get for $542 million in federal subsidies?

*****

The “government shut down” really amounted to about 17 percent of the government being “shut down,” and that is somewhat like going to a mall that has 100 stores and finding only 83 that are open for business. So, while things were uncomfortable for some folks, it bore no resemblance whatsoever to the government actually shutting down.

Of course, if the mall management blocked off stores that otherwise would be open, things would be more uncomfortable. No sensible businessperson would do that, but a petty, politics-dominated administration would, and did.

*****

The emotional push to raise the minimum wage to $15 dollars an hour for those working the least skilled jobs in the fast food industry puts the spotlight on a fundamental misunderstanding of basic economics.

Advocates think the wage ought to be based upon concerns totally unrelated to the job and the business the job is a part of. “I flip burgers at Burger King, and can’t support my family on what I make, so raise the minimum wage,” is the mentality behind this ill-advised movement. In their mind, if a PhD. in English, mathematics, biochemistry, or any other field somehow ended up ringing up Happy Meals at MacDonald’s, the wage ought to be based upon his/her training, or some arbitrary “living wage” concept.

A job is worth whatever the employer says it is worth. Anyone who doesn’t like the wage is free to not take the job, or to look for a better one. If the employer can’t find people to work at the selected wage, he or she will have to raise it. Anyone who tries to find a better job, but can’t, needs to pipe down and do the job the employer allowed them to have until they can find a better one.

Obamacare has been successful only in its ability to create chaos

Many people who have influence with President Barack Obama have gotten relief from the terrors of the Affordable Care Act we now know as Obamacare, but the great majority of the American people are still expected to follow the dictates of the healthcare “reform” law next month.

The administration’s announcement July 2 delaying the employer mandate was the first in a series of goodies provided to favored constituencies. And, about 20 percent of waivers went to gourmet restaurants, nightclubs, and fancy hotels in Rep. Nancy Pelosi’s (D-Cal.) district.

But as maddening as this discrimination is to us common folk, exempting Members of Congress and their staffs is far worse.

Under heavy pressure from Democrat leaders, Mr. Obama agreed to ignore the terms of the law that he pushed so hard for and now requires taxpayers to subsidize coverage for representatives, senators, and their employees to lessen the financial burden of Obamacare.

What a hardship these taxpayer-supported elected officials and employees suffer: The Office of Personnel Management reported that as of September 2012, the average salary for a full-time, permanent, non-seasonal government position was $78,467, and rank and file members of Congress make $174,000. The average American in the private sector makes less than $50,000.

It is possible for others to receive subsidies, too, and the key is income level. But, typical of this law’s rampant failures, there is no mandate to verify eligibility for a subsidy, virtually guaranteeing extensive fraud, and an additional expense burden on taxpayers.

Only about 36 percent of Americans have a positive opinion of the law, and now even Mr. Obama’s strong union supporters are calling for repeal or major repair of this debacle because it is decimating the 40-hour workweek that is the backbone of unionized labor.

Throughout the debate over Obamacare, a major claim was that it would cover the 30 million people that at the time did not have some sort of health insurance, ignoring the fact that a significant number chose not to have insurance. However, the Congressional Budget Office says that over the next decade there will never be a point where the number of Americans who remain uninsured will drop below 30 million. In other words, the main reason for ramming Obamacare down the throats of 270 million people who were happy with their health insurance is a falsehood.

Other of the President’s promises also have been broken:

Promise: “If you like your health care plan, you’ll be able to keep your health care plan, period.”
Truth: As many as 30 percent of employers will stop providing their existing health care coverage, while many are reducing employee hours below the 30-hour/week full-time level, or are trimming total employees to fewer than 50 to escape the crushing costs imposed by Obamacare.

Promise: “I will not sign a plan that adds one dime to our deficits — either now or in the future.”
Truth: We now know that health care “reform” will cost a trillion dollars.

Promise: “I will protect Medicare.”
Truth: Obamacare ends Medicare as we know it by imposing, among other things, severe reimbursement cuts that threaten access to care for seniors.

Promise: “I will sign a universal health care bill into law by the end of my first term as president that will cover every American and cut the cost of a typical family’s premium by up to $2,500 a year.”
Truth: There are at least 12 ways that Obamacare will increase premiums instead of reducing health care costs.

Promise: “Under my plan, no family making less than $250,000 a year will see any form of tax increase.”
Truth: Obamacare includes tons of new taxes and tax hikes. One that began this year is the 2.3 percent excise tax on manufacturers and importers of certain medical devices that will raise $20 billion by 2019.

It’s not that Barack Obama deliberately misleads; it’s just that so much of what he says isn’t true.

Few people now defend Obamacare besides the Congressional Democrats who participated in the dishonorable process of throwing it together, voting for a 2,700-page bill they had never read, and which had zero bi-partisan support.

Many believe that Barack Obama never really cared what was in the Affordable Care Act or if it ever makes it to implementation, and in fact wants it to fail miserably. And that’s because once it becomes law, replaces the prior system, and causes mass chaos, the stage would be set to move to a single payer, government healthcare system as the only way to fix the resulting mess.

In his worldview, socialistic/communistic systems are the solution to all the country’s problems, and that is how he wants to “fundamentally transform the United States of America.”

The best thing for the country is to repeal Obamacare and begin again to make the several relatively minor adjustments to the current system that should have been done several years ago. Short of that, delay implementation for everyone until the numerous problems can be addressed and repaired.

Neither is likely to happen, of course, because too many people can’t admit they made a mistake, or they truly want government controlled health care.

Did you slip and fall into your garbage can? There’s a code for that!

The Affordable Care Act has forced insurance costs higher, encouraged many employers to bail out of providing health plans for their employees or cut employees or reduce hours to below the full-time threshold to avoid the higher costs, and has unleashed thousands of pages of new regulations. But intrepid federal bureaucrats charge ahead with even more requirements for providers, one of which is a revamping of the codes used to identify the medical services that providers use to bill insurers.

Currently, there about 18,000 such codes and one might be fooled into believing that is enough. But the devoted folks who get paid to generate new codes have been hard at work revamping the code system and the new list contains nearly 8 times the former number, checking in at 140,000 medical codes. The feds reason that more specific information is needed to adequately communicate what doctors and hospitals do for their patients, as well as what patients may have done to require a visit to a provider.

New codes describe precisely what bone was broken, or which eye was blackened, and tell insurers whether your injury occurred in, for example, an opera house, an art gallery, on a squash court, or in one of nine locations in and around a mobile home.

Some of them push the limits of propriety. Code R46.1 is for "bizarre personal appearance," while code R46.0 is for "very low level of personal hygiene." Others tell insurers whether an injury caused by walking into a lamppost was the "initial encounter," or a "subsequent encounter."

There is a group of codes that clarify whether you were injured while sewing, ironing, crocheting, doing handcrafts, knitting, or my personal favorite, playing a brass instrument. (Brass players are now churning out imaginative scenarios for how these injuries might have occurred.) There is also a code indicating that a patient's injury occurred in a chicken coup.

Speaking of birds, there are 72 codes for patients who have run afoul of these creatures, and being bitten by a parrot has a different code than if said parrot flies into you, or if you are bitten or flown into by a macaw or a goose. There are nine different codes for each of the six different species of bird.

The folks that developed the system—generally known as ICD-10, for International Classification of Diseases, 10th Revision—say "the codes will provide a more exact and up-to-date accounting of diagnoses and hospital inpatient procedures, which could improve payment strategies and care guidelines," and their use is scheduled to be required in two years. Pat Brooks, senior technical adviser at the Centers for Medicare and Medicaid Services explains that "It's for accuracy of data and quality of care."

As a side note, healthcare reform, known more commonly as Obamacare, is deemed so important that the furloughs that befell air traffic controllers did not extend to Obamacare regulators and code generators, according to Gary Cohen, director of the Center for Consumer Information and Insurance Oversight, who said that his office has not cut its workers’ hours and pay as a result of the automatic budget cuts that went into effect in March. This information should help convince doubters that the pain of the sequester is a conscious political choice of the administration, and not a requirement of the sequester.

While federal bureaucrats are busy, busy, busy improving the healthcare system with mountains of new regulations and charge codes, some of the people who actually provide care are taking different approaches, some of them good, and some not.

A recent Deloitte Center for Health Solutions survey of over 600 doctors reveals that 6 in 10 may retire earlier than they had planned, and will do so in the next three years, due to the effects of the Affordable Care Act on how they practice medicine.

Further, many providers will leave the private sector to work for hospitals or accountable care organizations, and others are fighting back against massive government interference in the doctor-patient relationship by reverting to an older direct primary care model that eschews health insurance in favor of fee-for-services, such as an office visit for $20 or a house call for $100. Some offer a membership plan where patients pay a set fee per month for physician services.

Getting away from health insurance, government regulations and other requirements reduces costs substantially, allowing doctors to provide services at affordable prices, and has the further advantage of allowing doctors to escape "assembly line medicine," all of which may benefit the relationship between providers and patients. In contrast to Obamacare, this is a real improvement in the system.

Finally, even supporters of this Rube Goldberg-like contrivance are starting to realize its boundless weaknesses. Senator Max Baucus, (D-Mon.), one of the Affordable Care Act’s designers and strong backers, told Health and Human Services Secretary Kathleen Sebelius during a Senate committee hearing that he sees "a huge train wreck coming down."

It's a shame Sen. Baucus and the other blind supporters didn't do their homework before the measure passed the Congress, and save the country much pain and suffering. But perhaps it’s not too late to reverse course.

A national tragedy: We are learning what is really in Obamacare

Many thanks to former Speaker Nancy Pelosi for jamming the Patient Protection and Affordable Care Act through the House of Representatives so that finally the people could "find out what is in it, away from the fog of controversy," as Ms. Pelosi so famously said two years ago. This unintentional revelation of what goes on in Ms. Pelosi's mind came in the heat of the battle between the liberal Congress and the American people, a majority of whom opposed this first step in a government takeover of our healthcare system. The American people lost that battle.

Of course, now that the odious gunk contained in the Affordable Care Act, now affectionately known as "Obamacare," has started oozing out, even the people who voted to approve the measure now realize how little they knew about it when the vote was taken.

Searching President Barack Obama's florid promises for a truthful statement about all the wonderful things the ACA would do for us is more challenging than Diogenes' trying to find an honest man.

Like your doctor? You can keep your doctor. Nope!

Like your insurance? You can keep your insurance. Nope!

It will lower costs. Nope!

After all the broken promises, there are also some new goodies in Obamacare:

There are 18 new taxes, estimated at about $800 billion, that will mostly affect America's middle class. And inflation, the cruelest tax on the poor, will increase as businesses find their operation burdened with added costs brought about by higher taxes and onerous government mandates, and pass those costs along to the consumer in the form of higher prices.

Obamacare will add $6.2 trillion (That's "trillion" with a "t"!) to the long-term deficit, according to the Government Accountability Office.

Medicare providers will be expected to continue to provide services despite a cut of $716 billion in payments. Added bureaucracy will make applying for health care even more burdensome than it already is; worse than that, an estimated 7 million people will lose their employer-provided health insurance; and worse yet, thousands of workers will find their hours cut or will lose their jobs entirely.

Just what we need: another government mandate that keeps unemployment unacceptably high.

Opponents of Obamacare warned that forcing companies employing 50 or more full-time workers to buy health insurance for their employees would result in a loss of jobs overall, and many full-time workers would have their hours reduced below the 30-hour weekly threshold. Even though the employer mandate does not go into effect until next January, employers are required to track worker's hours for up to 12 months prior to that, meaning that job and hours cuts have already begun so that employers can escape the $2,000 per-worker fine for uncovered employees, or have to bear the even higher costs of providing health insurance to full-time workers.

So, rather than increasing the number of employees getting insurance from their employers as advertised, Obamacare has instead caused employees to have their hours reduced, or cost them their jobs entirely.

These decisions are being made by more than a few businesses. The International Franchise Association finds that 31 percent of franchisees plan to cut staff to avoid Obamacare’s 50-employee mandate, and a study by Mercer consulting firm found that half of businesses that don’t presently offer health insurance plan to reduce employee hours to avoid Obamacare’s penalties.

The food industry has been particularly hard hit, including: Kroger, Wendy's, Red Lobster, Olive Garden, Burger King, McDonalds, KFC, Taco Bell, and Papa John's Pizza. Also affected are government workers across the nation, for the same reasons.

If not keeping your doctor or your insurance policy if you wanted to is not bad enough, or if thousands of Americans losing the jobs or having their hours reduced to less than 30 a week isn't bad enough, how about thousands of doctors taking down their shingles? According to a survey from the Deloitte Center for Health Solutions, 6 in 10 physicians said they expect many of their colleagues to retire earlier than planned in the next 1 to 3 years.

Another 55 percent of doctors surveyed believe many of their colleagues will cut back on their hours because of the way medicine is changing, and 75 percent believe the best and brightest may not consider a career in medicine, up from 69 percent in 2011.

How could the smartest man ever to inhabit the Oval Office have been so desperately wrong? Curious people want to know: Did Barack Obama just not have a clue about what the law that now bears his name would actually do, or did he deliberately deceive people about what it would do in order to gain their support for it?

There is a faction that firmly believes that if people lose their private sector insurance coverage, or can't afford it, that is precisely what Mr. Obama wants, thus making his dream of a single-payer government healthcare system a reality.

So, will our public servants act to relieve us of this Obomination? They should remember that there are Senate and House elections in 2014. And so should we.

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Do Social Security and Medicare show that Obamacare can be successful?

Random thoughts on the passing scene

Obamacare has been successful only in its ability to create chaos

Did you slip and fall into your garbage can? There’s a code for that!

A national tragedy: We are learning what is really in Obamacare

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