The REAL “Death Panels”

A few nice cigna health insurance images I found:

cigna health insurance
The REAL “Death Panels”
www.nytimes.com/2009/08/27/opinion/27kristof.html?_r=1&am…

By NICHOLAS D. KRISTOF
Published: August 26, 2009

Opponents suggest that a “government takeover” of health care will be a milestone on the road to “socialized medicine,” and when he hears those terms, Wendell Potter cringes. He’s embarrassed that opponents are using a playbook that he helped devise.

. . . Mr. Potter was an executive in the health insurance industry for nearly 20 years before his conscience got the better of him. He served as head of corporate communications for Humana and then for Cigna. He flew in corporate jets to industry meetings to plan how to block health reform, he says. He rode in limousines to confabs to concoct messaging to scare the public about reform. But in his heart, he began to have doubts as the business model for insurance evolved in recent years from spreading risk to dumping the risky.

Then in 2007 Mr. Potter attended a premiere of “Sicko,” Michael Moore’s excoriating film about the American health care system. Mr. Potter was taking notes so that he could prepare a propaganda counterblast — but he found himself agreeing with a great deal of the film.

A month later, Mr. Potter was back home in Tennessee, visiting his parents, and dropped in on a three-day charity program at a county fairgrounds to provide medical care for patients who could not afford doctors. Long lines of people were waiting in the rain, and patients were being examined and treated in public in stalls intended for livestock.

“It was a life-changing event to witness that,” he remembered. Increasingly, he found himself despising himself for helping block health reforms. “It sounds hokey, but I would look in the mirror and think, how did I get into this?” Mr. Potter loved his office, his executive salary, his bonus, his stock options. “How can I walk away from a job that pays me so well?” he wondered. But at the age of 56, he announced his retirement and left Cigna last year.

This year, he went public with his concerns, testifying before a Senate committee investigating the insurance industry.. . . Mr. Potter says he liked his colleagues and bosses in the insurance industry, and respected them. They are not evil. But he adds that they are removed from the consequences of their decisions, as he was, and are obsessed with sustaining the company’s stock price — which means paying fewer medical bills.

One way to do that is to deny requests for expensive procedures. A second is “rescission” — seizing upon a technicality to cancel the policy of someone who has been paying premiums and finally gets cancer or some other expensive disease. A Congressional investigation into rescission found that three insurers, including Blue Cross of California, used this technique to cancel more than 20,000 policies over five years, saving the companies 0 million in claims.

As The Los Angeles Times has reported, insurers encourage this approach through performance evaluations. One Blue Cross employee earned a perfect evaluation score after dropping thousands of policyholders who faced nearly million in medical expenses.

Mr. Potter notes that a third tactic is for insurers to raise premiums for a small business astronomically after an employee is found to have an illness that will be very expensive to treat. That forces the business to drop coverage for all its employees or go elsewhere.

All this is monstrous, and it negates the entire point of insurance, which is to spread risk.

The insurers are open to one kind of reform — universal coverage through mandates and subsidies, so as to give them more customers and more profits. But they don’t want the reforms that will most help patients, such as a public insurance option, enforced competition and tighter regulation.

Mr. Potter argues that much tougher regulation is essential. He also believes that a robust public option is an essential part of any health reform, to compete with for-profit insurers and keep them honest.

As a nation, we’re at a turning point. Universal health coverage has been proposed for nearly a century in the United States. It was in an early draft of Social Security.

Yet each time, it has been defeated in part by fear-mongering industry lobbyists. That may happen this time as well — unless the Obama administration and Congress defeat these manipulative special interests. What’s un-American isn’t a greater government role in health care but an existing system in which Americans without insurance get health care, if at all, in livestock pens.

cigna health insurance
Office park relics
Believe it or not, this is a mural at the headquarters of CIGNA, a large health insurance company based in Bloomfield, CT. It is ostensibly deep-pile carpet, with a truly kick-ass early 60’s Blue-Note-esque motif. It may be the hippest business-park wall adornment ever, especially since it is orphaned in a relatively untraveled wing of CIGNA’s massive campus. I wanted to rip it off the wall and stuff it in my backpack, except it’s 6′ x 10′. Too bad.

Departments Working Hand In Hand For Health Assurance

assurance health

The letter that the Utah planning division gave to the Utah Division of Health was pertaining to concern of the former on the sewage disposal system being observed in the developing areas of the county.

The officers requested for a long term plan for the execution of in depth research that can identify the unsafe level of the septic tanks in building recreational areas. They also asked if any information is available, or if they knew of any that would be available in the future which could help the planning commission in the development approval process.

The Deputy Director of the local health office came back saying no known plans to adversely change the situation of the environment or the lives of the citizens. A special mention was made on the demands included in the Utah State Code of Waste minimum requirement for wastewater, as he continues speaking about their mindfulness for disposal of human and other domestic wastes.

These demands will control the installation of underwater drainage to places where the amount of acceptable soil is enough. A soil is considered up to code in description if wastewater can be rightly apportioned from surface and ground water under it, thus giving the wastes ample time to be passably purified.

The state has a negligible ability to reinforce in Utah County the requirements of the code. Should there be any apprehension pertaining to the use of individual wastewater disposal systems from the public officials and Utah County residents, a more uptight protocol on top of the state code will be adopted.

The specified land for these systems will be controlled in number because of these requirements. They can be a notch stricter about the soil classification, set a better separation of wastewater from ground and surface waters, and reinforce other boundaries that are deemed important to prevent health problems.

One of the most efficacious procedures to limit the utilization of septic tanks and drain fields is for the city and county administrators to work hand in hand with the local health department in disciplining particular property owners when they fail to meet the code requirements.

It is a common sight for local commissioners to miss the point of the local health agency for not permitting an individual to install a wastewater system on a certain property even with the obvious shortcoming of the said person with regard to the requirements of the Code of Waste Disposal Regulations.

Obviously, the Deputy Director continues to say that enforcement of these requirements necessitates strong local involvement.

He highlights the need for the State Division of Heath to have funds in order to continue a research to able to tell the safety limits of septic tanks and absorption systems that will benefit not only Utah County but all other states as well.

He has offered voluntary help in his writing should the Utah County intend to a research such as this and they will be more than willing to cooperate. He firmly believes that there will be considerable effect if only the rules we currently have will be imposed.

More Assurance Health Articles

Health Insurance Exchanges

hawaii health insurance

When people have started to think about what a health exchange is they have probably become more confused than anything else over the past few months and years. The concept by itself is fairly simple in that many people know it deals with health care reform. After that, the idea itself becomes more confusing and people can get lost throughout it. Part of the reason that the concept is confusing is because people continue to hear different rumors and ideas with respect to what is really happening with the healthcare situation. Regardless of what they happen to hear, however, unless something changes the health exchange idea has been signed into law and the concept is here to stay. What exactly is here and how it will affect you is an entirely different story, however.

Like it or not, there are going to be new rules that affect people and even small businesses within the country. More and more people are going to find that they are going to be forced to purchase some sort of insurance in order to cover them according to many. However, as more and more individuals buy into the healthcare system, it should also become more affordable for everyone inside the system and that means it will become more convenient and affordable for all as well. That is the main purpose of the healthcare reform; to ensure that if everyone pays into the system then everyone will have a chance at something affordable by bringing down the costs for all.

A health exchange specifically can mean a few different things, but one of the most prevalent throughout the case is definitely something that everyone should know. A health exchange in itself is where individuals can receive the choice to purchase healthcare at an affordable rate to cover themselves and their small business. It will be based upon different regions and different states in order to keep it truly competitive, but some of those details have yet to be fully worked out. But just because all of the details haven’t been worked out yet, it doesn’t mean that the central ideas and the main points aren’t still evident and in place.

More and more plans will also start to be created as well so that individuals and small businesses of all sizes, shapes, ages, and success rates will still have more and more options present for them. And while not everyone completely understands the idea or completely agrees with what they know, there are definitely a significant amount of details that are starting to emerge from the process itself.

While the concept of a health exchange is still being formed in some essence even as you read this, the truth is that the healthcare field is about to get turned upside down. People will finally be able to afford a legitimate healthcare plan which can cover them for cheaper than what they have already paid but also at a possible better efficiency and coverage overall as well. The plans are still being created, but for the first time in a long time there is hope.
 

Related Hawaii Health Insurance Articles

Commissioner Goodwin Launches Health Insurance Smart NC

Commissioner Goodwin Launches Health Insurance Smart NC

North Carolina Inmate Health Care Costs for NC Now on UNC-TV

Health Insurance Charlotte NC Best Health Insurance Charlotte NC Video

Health Insurance Charlotte NC Best Health Insurance Charlotte NC Video

Health Insurance broker in Belmont NC – TJIA Video

Hawaii Health Connector online insurance marketplace set to launch

Hawaii Health Connector online insurance marketplace set to launch

Hawaii Health Insurance

Health Care Now Rally

A few nice nc health insurance images I found:

nc health insurance
Health Care Now Rally
NC State Capital grounds
nc health insurance
Health Care rally
Health Care Now Rally
NC State Capital grounds
nc health insurance
Health Care rally
Health Care Now Rally
NC State Capital grounds

Chris LoGalbo (Ep. 1) | Cigna “My Business My Health”

Chris LoGalbo (Ep. 1) | Cigna “My Business My Health”