
I keep reading in Gather health care posts that Congress has provided "FREE LIFETIME HEALTH CARE for its members AND their families." Well, it turns out... T'ain't necessarily so. I almost wish it were... gave us a GREAT basis for rants. But...
Don't misunderstand; Congress has provided VERY well for itself in terms of health care - far beyond what most of us get (and I, for one, get VERY GOOD healthcare), but their health insurance is NOT free, and it's NOT forever. Well, it IS forever... IF they keep up the premiums (hm-m-m-m-m... just like mine).
Herewith, some links to actual information, always a plus in a debate, don't you think? Some is straightforward, some is editorialized, and one is downright snarky, but all are factual:
Politics AP: What kind of health care do lawmakers and Obama get?
About.com: US Gov't Info: Salaries and Benefits of US Congress Members
Suite101.com: Health Care for U.S. Congress (this is the snarky one)
Representatives and Senators get about 75% of their insurance premiums paid, whether active or retired (retirement benefits require five years' service, and are predicated on how many years after that), which is about the norm for industry. They have a "Cafeteria Plan" similar to major industries, from which they select annually. Now for the GOOD STUFF:
While they are on 'active duty,' A pittance of $300.00 a year for Representatives and $600.00 a year for Senators gets them access to a fully staffed, elaborately equipped, diagnostic and treatment center in the Capital. Active or retired, Representatives and Senators and their families have access to military hospitals and doctors like Walter Reed Military Hospital in Washington DC.
Do I wish I had coverage that good? Wel-l-l-l-l... turns out, I pretty much do. My employer pays about 75% of my insurance premium, I have access to some of the best hospitals in the USA (Henry Ford, U of M, Beaumont, Detroit Medical Center), plus, of course, the VA system. I even have a clinic (somewhat less-well-staffed and equipped than the one in the Capital) where I work. If I worked at headquarters, they have a better one, but...
What I WANT to see is enough compassion and empathy in Congress to provide something even CLOSE to that for my children, neither of whom have health insurance I'd even classify as "good," much less excellent. They can't retire at 50, and take a health insurance program with them, and their families won't be protected if they die.


Comments: 110
Unfortunately, what I found doesn't really interest most folks. They've just turned this into another National Health Plan argument (and points for me, of course), but...
Why should congress or the president have access to military hospitals? They are all included the president civilian leaders not troops. Our own troops cannot even rely on treatment from military facilities without going through some kind of scam. I have VA benefits as long as I am willing to wait 6-8 month for an appointment.
I have been self employed all my life and have paid my own insurance since I was old enough to be taken off my parents insurance as well as paying huge insurance costs for the few people I have employed over the years. I have always had to pay worker compensation insurance even in times when I did not have any employees as well as paying this insurance on myself and not even being able to use it. Its the same with unemployment insurance, I pay it on myself but cannot collect any if my business should fail.
What these political hacks pay is a token payment to satisfy the public and the real tab is paid by the working public that gets the same nothing in return.
Americans desperately need health care and it has to come in the form of a government controled program or through revamping the insurance industry to make health care affordable to every citizen know matter what their status is in the working world.
Want to make health care affordable start ragging on congress to stop funding their military terrorism campaigns and we will have money left over.
Their is no empathy in congress because the scam has been going on so long that its become standard politics to over look the suffering of the public that made what they have possible.
The last House raise was stuck like pork in the second Obama bank bailout so Pelosi could get the votes she needed.
I'm just trying to correct a lot of nonsense I see here on Gather every day. I think we need to argue from a position of honesty.
I most often agree with you, Jack, but I agree with the positions of a lot of folks on this issue, and too often one of the bases for their posts is this business of Congress' "free" lifetime health care.
I prefer to KNOW.
We had a school assembly, we saw the president on TV, we had a representative come and speak and tell us why we should ALL aspire to be a politician, and that was one of his points. Not that it meant much to us at 5th or 6th grade. The we went and formed a "flag" out of ourselves, wearing different colored hats on the football field, and released balloons(back when you could do that) and the principal went in a hot air balloon and took an airial photo. Mom probably still has the photo in a box somewhere...
If that's not true anymore, then I'm glad, but still think we should all have the same options.
The Obama healthcare plan includes an 8% increase in taxes for the employer. Add to that, higher wages paid here, mandatory minimum wage, sick (lost days) and poor health. Obama solution is little more than a new tax on sickness and disease.
Hear that sucking sound of more jobs exported? Massive amount of businesses will close too.
40% of the cost of today's costs is caused by paper shuffling that goes on between governments, private insurers, patients, malpractice attorneys and health care providers.
30% to the monopoly profits of drug companies who routinely engage in price fixing fraud as a way to extract more money from state and national governments.
20% is lost because Americans pursue dietary habits that directly cause cancer, heart disease, diabetes and other expensive-to-treat diseases.
No nation can economically survive if the people are not healthy. It affects every aspect of our lives. Additives in our water supply, genetically modified foods/grains, highly processed & fast foods, poisons in our vaccines (which are cumulative), treatments that never leave you well but broke.
Vice President Joe Biden said this week, "We have to spend more money to keep from going broke!"
Pay one trillion for a healthcare system to cause more illness, control treatment (require pre-authorization), line the pockets of big pharma (thus our legislators), drive small businesses and corporations out of business. What more could we ask of Obama?
But, if we could, the problem with a national health care plan would be...?
I am not in favor of most of what Obama is doing but I know he is right to fight for health care for all American citizens. Their are many ways we can save money to pay for health care and all the public has to do is wake up to the reality of what elected officials are wasting money on.
Personally, I don't understand WHY health care is tied to employment in the first place.
Then, you have the "drug pushers" (reps) going to doc offices pushing THEIR particular drug, thus giving kickbacks to and for the docs doing so, and was a HUGE bonus if reps met their monthly requirements. Some got $5-10k per mo.
Then, WE pushed the docs to prescribe generics as much as possible, thus increasing our profit margin. When a drug comes off the patent, the decimal point, for the same drug, moves to the right. ($40. would then become 4. or 400. = 40.) Now, if you were a doc, and a young, big pharma trained, blonde, in a short skirt came to your office with bribes - would you listen to them or the carrier? Drug pushers had a budget, they had to spend for these visits.
Govt. mandates in paperwork, reimbursements to docs, privacy (HIPPA), employers providing ins. to full time workers, credentialing standards (NCQA), claims history, protocol, pre-authorization which mandated the docs provide health records to support their nuclear/radiology test requests.
They passed and funded the opportunity around to their friends to form corporations (to become corporatists) and allowed huge profits. Highmark BC/BC profits were so obnoxious, law suit was filed and they had to figure out how to give it back within the areas they stole it from. Thus you will see huge donations to civic and healthcare related events.
Our bicycle club got $1k as a co-sponsor to a bike race. Makes them look like the "good" guys, huh? and that's just ONE event! (I didn't tell fellow board members the REAL reason for their generosity)
http://www.gather.com/viewArticle.action?grpId=36591746972
55792&articleId=281474977742366&nav=Groupspace
What is interesting, and has been on ANY articles offered as an alternative to the Obama scheme, links produce an "error" when you want to view them.
Links to details of this plan are included in the link I posted above ^^^.
More and more employers are decreasing coverage, increasing employee contribution, or dropping coverage. The number of claims paid that are later recoup'd by insurance companies that become patient responsibility grows. You are lucky with your healthcare, Chuck.
If healthcare is not a priority, those who "count" on plans will begin to know what the rest of us have already found out.
The bad news is, most of the people I work with make substantially less than I do, and they can in no way afford this insurance, chronic and complex health issues or no. What are THEY supposed to do?
Then yesterday, I got an email from someone on Facebook that was looking for a Provider Relations Rep/Contract Specialist, and my name came up for her - thus the email.
Well, it turn out it is the PPO I used to work for over several years ago, here in my local community, and they are looking for PR/Contract Spec. for all of NE U.S.
Ultimately, we linked friendships, chatted on Facebook IM, and she is sending me the job description. I already asked her if they were doing - *this n that*, which they weren't - so have already shown my capabilities. Current CEO is the same. I didn't go there for a job because I didn't want full time, and wanted a break from healthcare industry.
If things go well, I may consider it for a three year contract. However, I love my current boss- financial planner and owner of an Allstate Ins. Agency. Just last Thursday, he offered me a sizable raise and more hours. Told him the raise was fine but would have to think about the hrs. lol
BTW, who says there isn't work out there? This fin planner had just purchased this book of Allstate business from a retiring agent - had a "help wanted" sign in the window. Stopped in, discussed what he was looking for? - another broker. I told him I did not want to learn another profession, but when he found the right person, I would come in and do customer service and support which would allow them to concentrate on selling ins. (gave him an OLD copy of my resume w/job description and duties) He did - he called me - he recognized my customer support talents - the rest is history.
My thoughts on this are - 1) I wasn't desperate for ANY job but wanted the right fit for this point in my life and a win-win for us both. 2) didn't try to convince him of my skills - my resume and work history spoke for itself and definitely over qualified, but he understood what we both wanted 3) totally works my schedule the way I want it and has witnessed my handling of customers (consumers can be difficult at times)
I remember ten years ago when I REALLY wanted a job, it didn't happen. So, I found a good company, went in and sold them on using me part time (just to get my foot in the door) Knuckled down and learned everything I could and then...
Provider Relations was growing, boom was mine. They wanted credentialing person - boom, took it, learned it, and it was mine. Then they added on contracting - it ALL fit together perfectly and ended in a ten year career - in an industry I knew very little about. The most important thing I did, was this: If I didn't know the answer to their question, I told them so, found the answer and ALWAYS called them back. That's REAL customer service.
You would not know it from here, but it was my people skills and winning personality which got my food in both doors. lol
Unlike monthly premiums, which are gone forever, you can accumulate and pick and choose wisely - for services.
"Cheer up," he said, "things could be worse."
So I cheered up.
Sure enough... things got worse.
And, HSAs SUCK!
As far as having access to the VA system; The're welcome to it. I don't think I'll do it. VA hospitals are noted for MRSA and other conditions contacted in hospital.
However, "...every insurance company will allow you to keep the insurance. All you have to do is pay the premiums." ALL? What part of $1,000.00 per month d'you reckon most folks can pay on their own?
I hope I never have to depend on the VA hospital system as I've read it's presently constituted. But, as I've shown above, not everything I've read (and even quoted) is actually true.
Jack, A lot of people in both categories.
But the Luvly Laura? What did SHE ever do? Rheumatic Fever in the early '50s was common, unavoidable and nearly incurable. MS isn't something one can 'cause.' Some idiot driver running into a tree with her in the front seat and breaking her neck? Hardly her fault (no, she didn't get into a car with a drunk). A dimwit showing off against the rules in a skating rink and causing her two ruptured discs and a multi-fractured wrist? Not her fault either. I won't bore you with the rest of the list.
Still, the government, and you, are not responsible... any more than everyone else in my insurance 'pool' that covers her are responsible. But their premiums DO help pay for her treatments and care. And mine help pay for theirs (well, truth to tell, I am, and will forever be, upside down in this one). What we're asking is that such a 'pool' be established for folks who can't get in one now, and who may never be able to... and the only entity likely to be able to do that is the government.
Big corporations cannot handle this either, without downshizing - don't ya think?
Then WHO is going to pat the $TRILLION?
It has been done but not here. They are the experts. We don't need a government take-over of the industry. We need to get the providers together and give them the outline of a plan. Then put them to work on the verbage, cost, etc. Once there are plans presented they could be scrutinized and accepted or rejected. The government could collect the premiums and pay each insurer. That would be the extent of government involvement. The rest would be out of government control. It works.
and would be available to whoever wanted to subscribe. Such a plan woud have to have provisions for the poor and would replace Medicaid. It could have provisions for a reduced premium for the eldery and eliminate Medicare. Of course it would have to be worded so any doctor or hospital would get paid.
When a salesman gets his foot in my door he loses a sale and has a sore foot.
That part's just scare-mongering designed to push the insurance companies' agenda to maintain their dishonestly high costs, and murderous 'prior condition' policies.
You didn't disapoint me. You are so enamored by that liar that you can't see his agenda for the shine of his smile and the lies he tells. It is his actions that count and he is 100% unamerican in his actions.
How many different ways can you be told. The Government is Not our daddy and the government does not owe us a living or health care. Those things are up to us.
"You are so enamored by that liar that you can't see his agenda for the shine of his smile and the lies he tells. It is his actions that count and he is 100% unamerican in his actions." Well, you're right about one thing... I DO think President Obama is heading in the right direction. He is NOT "100% Unamerican." That overblown fear-mongering is wearing more than a little thin, George. We liberals are NOT the enemies of America, and we're not YOUR enemies. As for 'wanting to take over America." We already did, George. We VOTED our party a majority and the Presidence, and we didn't do it alone. We convinced an awful lot of centrists and neo-cons to vote with us.
"The Government is Not our daddy and the government does not owe us a living or health care. Those things are up to us." The government DOES owe us a way to keep the insurance companies from murdering thousands of us every year and sanctimoniously claiming that a 'trip-'n-fall' forty years ago has something to do with today's diabetic ulcers. And the only real way to do that is to compete directly with 'em.
The following is from: Ask the Advisor-http://www.tscl.org/NewContent/101421.asp
Members of Congress enjoy excellent health benefits under the Federal Employees Health Benefits Program (FEHBP). They can choose from 11 different health care plans under FEHBP. All plans offer prescription drug benefits. All plans offer prescription drug benefits.
The government (meaning taxpayers like you and me) pays 72% of the average premium but not more than 75%. Your Congressman saw the remaining 25% deducted from his $12,500 monthly paycheck (also paid for by you and me).
I'll try harder to stay out of this, I promise.
My Son-in-Law was offered ONE PLAN, and once Chrysler took his employer's franchise away, that went away, and they were offered ONE REPLACEMENT plan. My son and Daughter-in-Law have to have separate policies, they got NO choices, and the policies they do have are minimal.
Yes we must get off oil.
Yes we must rebuild the middle class and American industry.
Will the true owners of congress (big business/insurance companies/wall street/banks/oil companies) allow it?
I seriously doubt it.
Health care has been crap forever and obscene profits and tax cuts must be maintained at all costs.
The only way we'll get to one plan in this country, having things square across the board is to go with One Plan for all of it's citizens. Everybody gets the same plan.
That's what you said, right?
Wilka
Health care for all is a must.
You could have fooled me Chuck. Anyone who is Socialist is an enemy of a Republic. It is simple as that.
Your are right both sides of the Health Care debate are lieing to us. We the people are being sold a pig in a poke from both sides. Sometimes it is better to back off and do it right than to rush in and do it wrong. It takes a lot more time and money to straighten out a mistake than to do it right the first time.
There is too much of a rush being pushed. I don't trust high pressure sales at all and never buy when that aproach is used. I'm not buying Obama's health plan for that reason. He is pushing too hard and too fast on about everything.
If I believed in a god, I'd add... Jesus would be a LIBERAL!
Nice try Chuck, see ya around the water cooler.
Social Security and Medicare are insurance Jack, not much different from any other insurance. Damn right I use both. I paid for them and I am entitled to collect just as you or anyone else who paid for anything. Do you buy a TV and then leave it in the store?
Its to bad you GOP party hacks can't see the forest for the trees. Your comments are very hypocritical.
I'm actually not against a universal health care plan for the US but I am not for a government run one. A good single payer plan similar to what they have in Israel would probably be more than acceptable. There the only government involvement is in collecting the premiums and paying the various insurance companies who offer the plan the government set forth. The government is not ivolved in any way with the care or charges for treatment.
Ha ha ha... now that was funny.
Did you even bother to read the controversial items in the health care bill? Did you watch C-Span this morning when democrat and republican governors came our strongly against the Obama plan? It passes on much of the cost to states -- see NYT's today for more on that. At least I'm not ignorant on the subject, and I fully understand that the fed plans to kill private insurance asap as well as put controls on prices. You want to stifle competition and innovation, just keep pushing the socialist agenda and you'll be there soon enough.
If I believed in a god, I'd add... Jesus would be a LIBERAL!
Thank goodness they crucified him, I knew there had to be a good reason for that other than what the scriptures stated.....
Didn't really want to get into this but, hey, what the hell.....
Too avoid being redundant and having to type alot of shit that I don't feel like typing I'm just gonna cut and paste a part of an article that I wrote the other day, and then leave it up to you all as where we/you stand on this issue....Cause personally I think this Health Care program sucks beyond belief....Why or what makes them any better than yourself/ son/daughter...etc..etc.....So you wanna vote for health care reform huh??? Check this out...
The director of the Congressional Budget Office issued a warning to Democrats Thursday that their health care proposals would raise costs, not lower them.
One day after a Senate panel approved its version of the health care reform plan, the first committee to do so, CBO Director Doug Elmendorf gave a dose of bad medicine to a separate committee.
Asked by Senate Finance Committee Chairman Kent Conrad, D-N.D., whether costs would be lowered -- also known as "bending the curve" -- Elmendorf responded: "The curve is being raised."
Subsidies to help uninsured people would raise federal health care spending, which is already growing at an unsustainable rate, Elmendorf explained at the hearing. The Medicare and Medicaid cuts that lawmakers have offered to pay for the coverage expansion aren't big enough to offset the cost trend, particularly in the long term, he said.
House Republican Leader John Boehner seized on the comments, calling on Democrats to scrap their plans in light of the assessment.
Senate Republican Leader Mitch McConnell called it a "wake up call" for Democrats.
"The director of the Congressional Budget Office confirmed today what we have been saying for weeks -- the health care spending plan that some are trying to rush through Congress would actually make things worse," McConnell said.
CBO's numbers come at an inopportune time for Democratic leaders who are trying push through and merge several different health care reform plans in the coming weeks, on orders from President Obama.
Senate Majority Leader Harry Reid voiced frustration with Elmendorf, who in recent months has set back health care efforts with his office's cost analyses of the plans being floated.
"What he should do is run for Congress," Reid said, suggesting he found the CBO estimate to be partisan in its results.
Elmendorf endorsed taxing health benefits as a way of paying for reform, though Obama has spoken out against that idea.
How to pay for the plan is generating a big problem for Congress. The Senate Finance Committee, which is hammering out what could be the only bipartisan bill remaining, is struggling to come up with about $320 billion in revenue to pay for the reforms. Chairman Max Baucus, D-Mont., was clearly frustrated Thursday and criticized Obama for opposing a tax on employer-provided benefits.
"The president is not helping us," he said.
Meanwhile, House Democrats on Thursday pushed ahead with legislation that would deliver on Obama's promise to remake the health care system and cover some 50 million uninsured, despite concerns from their own party's moderate and conservative lawmakers that the $1.5 trillion plan costs too much.
On the heels of the Senate health committee's approval Wednesday of a plan to revamp U.S. health care, three House committees with jurisdiction over the issue shifted into action.
The Education and Labor Committee passed an amendment to speed up the bill's guarantee of access to health insurance for people with pre-existing medical conditions. The bill as written would have stopped insurance companies from denying coverage because of pre-existing conditions, beginning in 2012. The panel agreed Thursday to move up the implementation date for group plans to six months after the bill takes effect.
It was one of about 50 amendments before the committee, which planned to meet throughout the day to complete work on its portion of the bill by day's end.
The tax-writing Ways and Means Committee also was working on its portion of the overall legislation, which seeks to provide coverage to nearly all Americans by subsidizing the poor and penalizing individuals and employers who don't purchase health insurance.
A third House committee, Energy and Commerce, also was considering the measure Thursday, but the road was expected to be rougher there. A group of fiscally conservative House Democrats called the Blue Dogs holds more than a half dozen seats on the committee -- enough to block approval -- and is opposing the bill over costs and other issues.
Rep. Mike Ross, D-Ark., who chairs the Blue Dogs' health care task force, said the group would need to see significant changes to protect small businesses and rural providers and contain costs before it could sign on. "We cannot support the current bill," he said.
The Energy and Commerce Committee's Blue Dogs met Wednesday to consider what amendments they would offer, and the panel scheduled vote sessions daily through next Wednesday in what promised to be an arduous process to reach consensus.
Obama was doing all he could to encourage Congress to act. He scheduled White House meetings Thursday morning with two potential Senate swing votes, Sens. Ben Nelson, D-Neb., and Olympia Snowe, R-Maine. On Wednesday, he met with a group of Senate Republicans in the White House in search of a bipartisan compromise and appeared in the Rose Garden for the latest in a daily series of public appeals to Congress to move legislation this summer.
Obama also pushed his message in network television interviews, and his political organization launched a series of 30-second television ads on health care.
The Senate health panel's $615 billion measure would require individuals to get health insurance and employers to contribute to the cost. The bill calls for the government to provide financial assistance with premiums for individuals and families making up to four times the federal poverty level, or about $88,000 for a family of four, a broad cross-section of the middle class.
But the 13-10 party-line vote on the bill signaled a rift in Congress -- including between Democrats. Some liberal-leaning Senate Democrats are eager to move forward with or without Republican support, while some moderates want to hold out for a bipartisan deal.
The bill would be paired with one from the Senate Finance Committee.
But a core group on Finance -- which, unlike the health committee, must come up with a payment mechanism for the bill -- continued to labor toward bipartisan agreement. Because it might be difficult to secure support from all Democrats, Baucus insisted after daylong meetings Wednesday that a bipartisan bill was needed.
Part Two back-links to Part One.
Former Insurance Executive, Wendell Potter, says similar tactics are being used this time around. In the spring, a memo by Republican strategist Frank Luntz outlined the script for opponents of health care reform. Luntz argued that a politician had to first pretend to support it, but should then use phrases like "government takeover," "delayed care is denied care," "consequences of rationing," and "bureaucrats, not doctors prescribing medicine." That jargon is now routinely heard by Republicans arguing against reform.
Republican consultant Alex Castellanos recently authored a memo that urged conservatives to co-opt the cause of "bringing down health care cost[s]" in an effort to "slow this sausage-making process down" and "defeat" it. Potter told Bill Moyers in an interview last Friday that conservative politicians "want to believe that the free market system can and should work in this country, like it does in other industries. ... They parrot those comments, without really realizing what the real situation is."
http://www.youtube.com/watch?v=IhXahpeMdUc
You ever buy a plane ticket where your company pays for it? It's always a fortune. Corporations do a lousy job of negotiating these types of things. Lets bring the insurance companies back to dealing with individuals, competing for business. Get the government out of it.
Seriously, my mind went blank.
Politics give me the willies sometimes.
Now their actual pay if fine. They have great responsibilities (that they seldom live up to) and I'd like to see decent pay for those who really do their jobs according to the Constitution. Somehow I doubt that many live up to that particular requirement either.