But Now You Know

The search for truth in human action

America Already HAS Death Panels and Waiting Lists


Next time you see someone mocking the idea that America could have health care waiting lists and death panels, point out that we already do.

There is one domain of medical treatment that is mandated socialism-only, by the Federal government.

And, unsurprisingly, this system has a waiting list of over 100,000 people at a time.

You usually have to wait at least 1,000 days…nearly three years…for treatment.

In fact, you usually die before you get treated.

Why?

Big government types have heartlessly condemned thousands to death, by banning compensation to organ donors

Big government types have heartlessly condemned thousands to death, by banning compensation to organ donors

1,000 Day Waiting List

Because it’s illegal to compensate people for donating their organs.

That’s right, you can’t pay someone for a kidney, whether they’re alive and donating one, or they just died and are a good organ donor whose family desperately needs the money.

Because of this, out of the 2,000,000 Americans who die every year, only 5,000 donate their organs. The vast majority of potential organ donors do not…but, obviously, more would if they had the hope of helping their own families deal financially with their death.

And so, with this socialized organ donation system, there is a waiting list of over one hundred thousand people, and you will probably die during the average of 1,000 days you will wait for an organ.

Imagine how many more people would sign their donor cards, put that in their living wills, et cetera, if they could hope that they could at least help support their family, if they did die.

Consider how many families, left destitute because the bread-winner unexpectedly died without life insurance, could at least have the hope of compensation because he was an organ donor. In fact, 35% of all people who did sign an organ donor card fail to donate because their family refuses consent after they died. How many might have chosen otherwise, if they could be compensated for the emotional sacrifice?

It’s even possible for people to choose to donate some organs while alive. The kidney waiting list, in some parts of the country, is ten years. That’s 3,650 days waiting for a kidney, on a dialysis machine that slowly kills you. Yet people could choose to donate a kidney any time, even when alive and healthy. Frankly, I’d never do that for money, but other people should be free to disagree with me.

As dramatized on a popular TV show, Gregory House on his his way to a modern-day organ death panel, which rejects his patient, condemning her to death

As dramatized on a popular TV show, Gregory House on his way to a modern-day organ death panel, which rejects his patient, condemning her to death

Actual Death Panels

And let’s be clear: Because there is such a waiting list, there are actual panels of people who decide where each donated organ will go. They pronounce who gets them first, and who will not be allowed to have one at all, because it’d be a “waste”.

If you need an organ transplant, a panel will actually weigh how old you are, what shape you’re in, even what your lifestyle is, and then decide not only where to place you on the list, but even whether to just let you die. That’s right, if they don’t approve of how you live, they can pass you over to die.

Older people are actually passed over, because they’ve lived longer, and more “deserving” people moved ahead of them even after they’ve waited on the list.

There are already panels of people who will literally decide to let your grandmother die untreated, because she’s lived long enough.

It not only could happen in the US, it already does.

Do we really think, given the chance, that this won’t expand into every other part of health care that becomes socialized?

Criminal Transplants

It is a far greater crime when the government causes a death, because it is using supposedly legitimate authority to do so

It is a far greater crime when the government causes a death, because it is using supposedly legitimate authority to do so

Like Canadians and Brits sneaking to the US when their governments put them on endless waiting lists for life-threatening or painful conditions, Americans condemned to die by the socialized organ transplant system in America end up flying overseas, to obtain transplants, if they can afford to do so. Therefore the socialist prohibition actually ends up linking wealth to survival even more, not less as intended…only wealthier Americans can afford to fly a foreign country and pay for a transplant out-of-pocket. What’s more, it’s far more dangerous than an American transplant, since the US has the best surgery outcome rate of any nation on earth.

Meanwhile, avoiding questions of whether people really want to sell their organs, or are doing it for money, actually produces an even more dangerous system of commercial organ transplants, that of black market organs. There really is a question of whether an organ obtained this way was gotten from a consenting patient…and yet such a system exists only because it’s illegal to do so openly, with safe documentation.

Fix Transplants, Don’t Break Everything Else

Hope and/or pray that the US transplant system is de-socialized before you end up needing an organ, so that you won’t have to wait for years, and probably die without treatment.

And, as important, fight to keep the rest of the American health care system from ending up in the same, deadly, condition.

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September 17, 2009 Posted by | Economy, Family, Health, Politics, Science | , , , , , , , , , , , | 8 Comments

What If Car Insurance Were Like Health Insurance?


Insurance is supposed to be something you hope to never, ever use.
Not even once.

That’s how, for example, car insurance works. If you’re careful and lucky, you’ll “waste” money on it your whole life, and never need to make a claim. You are just pooling a risk with everyone else, and only a few of you should need to cash it in, per year.

But imagine if we all had car “insurance” that covered routine things we expect to need, like oil changes and gasoline.

Since we, and the insurance company, know we will be paying for these things regularly; our insurance cost will go up by the full amount of what we’d have paid anyway, plus the extra overhead for their bureaucratic costs and profit.

You Pay Extra for “Free” Stuff

If you think gasoline is expensive now, wait until you see what it costs when it's free.

If you think gasoline is expensive now, wait until you see what it costs when it's free.

If your car insurance now costs $800/year, and you spend another $800/year on gas/oil, for a total of $1,600/year, the price of your insurance will probably go up to well over that. For example, with a mere 10% profit margin, plus another 10% in bureaucratic costs, the extra $800 would cost you $160 on top of itself.

So you’d pay $1,760 to have “full coverage”, instead of $1,600 to have normal insurance and buy your own gasoline and oil changes.

But, worse, since we’re not actually paying for each gallon and pint out of pocket, demand for gasoline and oil changes will go up, which will increase the price. It will increase it a lot.

Think of how much people changed behavior because gas prices were high in 2008. It dramatically cut demand. People bought more economical cars, moved closer to work, didn’t drive on distant vacations as often, et cetera. And this helped cut the cost of gas back in half, because the price is set by, in part, a combination of supply and demand.

With gasoline costing “nothing”, people would feel free to buy cars that get worse gas mileage. They would feel better about living farther from work. They could go on road trips as often and far as they pleased.

So the price of gasoline would skyrocket.

But since most people would have “full coverage” insurance, they wouldn’t even notice that.

What we all would notice is the price of car insurance going through the roof.

If car insurance covered normal and minor costs, its price would expand out of control

If car insurance covered normal and minor costs, its price would expand out of control

Let’s say the price of gasoline only doubles, back to its 2008 prices. Now people are using $1,600 in gasoline per year…except they’re also driving more. Let’s say only 25% more…that’s $2,000 in gasoline. Including the profit margin and bureaucratic cost, that means the price of “full coverage” goes from $1,760 per year to $3,200 per year.

But it doesn’t stop there…the insurance company doesn’t really have the same incentive, nor power, to hold down prices that consumers do.

Oh, pundits imagine they do, because they’re big companies and all that…but they lack the power of the actual consumer: They can’t make people stop driving and getting oil changes. So the oil and gas providers are able to start raising prices, as long as they can justify it…and when money’s involved, people can justify a lot. For example, now the gas stations and quick lube joints have to pay a whole second staff just to handle the “insurance” paperwork, in order to get paid for the gasoline and oil changes we buy.

So the price of gas and oil will go up even more than supply and demand would require…which means that $3,200/year for “full coverage” car insurance is only the start. If we add a mere 10% on that for the oil/gas companies’ insurance compliance staff, plus another 10% for padding they can get away with because the insurance company can’t make its customers stop going in response to high prices, then $3,840 per year.

The Uninsured Suffer

Of course, one group will feel the pinch of gasoline and oil change prices going up:

We who are smart enough not to waste our money on “full coverage”, but buy our gasoline and oil out of pocket, saving the twenty percent overhead on the insurance. But now we’re paying insanely high prices for these things, either way.

In fact, soon nobody without “full coverage” car insurance will feel like they can afford to drive, because gasoline and oil changes are so expensive.

Next step: Rationing of gasoline

Next step: Rationing of gasoline

Inevitably, this would all balloon into a:

Car Care Crisis

Media and Liberal politicians would be demanding that government insure all Americans who are not already covered, and that they “control car care costs”, which would be expanding to cripple the economy.

They would, surely, try to nationalize automotive care…they already hate that we drive so much, they say so all the time. Instead of trying specific, reasonable things, of course, they’d demand that we put all eggs in one basket with a single, gigantic, hurried bill passed into law, all or nothing.

This, of course, will end up making things worse, as such brute-force government interventions always do.

All because people were foolish enough to start buying “insurance” for predictable, regular needs, instead of only for catastrophes they hope will never happen anyway.

Health Insurance = Car Insurance

This is what is happening, now, in the health care industry.

We are paying up to $8,000 per year for a family of five, in order to get “full coverage” that pays for our normal checkups, our doctor’s visits for colds, the flu, emergency room visits for skinned knees and sprained ankles…and then we are paying for ALL of that minor, predictable stuff, plus profit and bureaucratic costs, and increased paperwork costs from health care providers, and padding of costs handed off to insurance companies…through skyrocketing health insurance prices.

Before government stepped in, health insurance was only for rare emergencies. It cost a tiny fraction of what it does today, even considering inflation. But then government took over half of health care spending with the socialized Medicare/Medicaid programs, and forced employers to offer “full coverage” health insurance, hiding the cost you pay by deducting it from what they would offer you in the first place.

The crisis this created is exactly what we should expect to happen. The problem is simply that we’re paying middleman, for no reason whatsoever, and getting exactly what we deserve.

September 10, 2009 Posted by | Economy, Family, Health, Politics | , , , , , , , , , , , , , , | 16 Comments

   

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