Letters to the Editor
Letters To The Editor, 6/23/09
Will Regulation Give Altria Immunity?
Editor, Times-Dispatch: At last, the dreams of Altria (Philip Morris USA) have come true, and all the money it spent lobbying legislators has paid off. Congress has now passed legislation that Altria has wanted for years -- namely, to get the federal government into the cigarette business.
Why would a big company like Altria advocate federal regulation of its business, if it weren't for an ulterior motive? Certainly not for any altruistic reason. Could it be that once the government regulates nicotine and tars, Altria can dodge any further cancerand health-related lawsuits, and simply point to the FDA, saying, "You can't sue us, it's not our fault, the government said it was OK."
This is a greater boondoggle than Sen. Ted Stevens' Bridge to Nowhere. We've all known since 1776 that Congress is still for sale, and that taxpayers will provide the legal tender for said sale.
Ernest Irby.
Henrico.
Phone Exec Needs Education on Facts
Editor, Times-Dispatch: I am writing in response to the letter, "SCC Decision Costs (Most) Virginians," by an AT&T president who complains that the Virginia State Corporation Commission (SCC) should do more to lower the costs of his global phone giant at the expense of Embarq's local telephone customers.
In his letter, J. Michael Schweder complains that the rates his company pays to use Embarq's local telephone network contain support that helps keep basic service rates affordable, especially in high-cost areas of the state. Based on his comments, it appears he has not read the SCC's May 29 order, which reduces by half the rates he finds troubling.
As a resident of Pennsylvania, and not Oakton, Va., Schweder may not know that although Embarq serves less than 10 percent of the local telephone customers in Virginia, those customers live in the more rural parts of the state where the cost to provide basic telephone service is extremely high.
The support Schweder complains about exists because, as a nation, it was decided many years ago that all Americans should have access to basic telephone service and that it was a benefit for everyone to be able to call to -- and from -- places where telephone service would otherwise be cost-prohibitive. In some areas of Virginia served by Embarq, the real cost of service is more than $100 a month per customer. Without some form of support, many of these Virginians could not afford even the most basic telephone service.
Although further access reductions might be welcomed by an AT&T president in Pennsylvania or by its corporate headquarters in Texas, they would only harm Virginians. The SCC was sensitive to the needs of rural consumers in the recent order reducing Embarq's access rates. Although the SCC did not adopt the Embarq position in the case, it certainly did not adopt the extreme position taken by AT&T and others. Rich Schollmann, State executive, Embarq.
Richmond.
Obama Health Plan Makes No Sense
Editor, Times-Dispatch: Do people think the Obama administration's health care plan, whereby pre-existing health conditions cannot be used to exclude coverage nor increase the premiums for coverage, is good? Does it make them feel good that the government is going to take care of that unfortunate person with poor health?
Well, think a moment about this theoretical situation whereby all of the car owners in my neighborhood participated in a single group automobile insurance plan. This plan would not allow the insurance company to limit pre-existing conditions nor charge policyholders anything extra for them.
So all of the car owners in the neighborhood sign up for this group policy. Then, one day a new neighbor moves in. He has a badly damaged car from a recent wreck. He decides to participate in our neighborhood group car-insurance plan, and because the plan stipulates that the insurance company cannot limit coverage for pre-existing conditions nor charge extra for them, this new neighbor signs up for coverage with the exact same rate that I am paying.
The next day, he files an accident claim, and the insurance company pays him $12,000 to repair his wrecked car. At the end of the month, all of the neighbors receive bills from the insurance company increasing their premiums to cover the new neighbor's claim.
Now, if you were me, would you think that was fair? That the new neighbor with the already wrecked car could pay the same premium that the rest of the neighborhood was paying, get his car repaired the next day, and then everyone's premiums are increased, even though they are good drivers and are taking good care of their cars?
Well, that's exactly what the Obama administration proposes to do with its government health care plan. I don't know about others, but it seems ludicrous to me.
William E. Kahl.
Moseley.
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Reader Reactions
Here’s a health care idea:
Everyone who wants government healthcare can check a box on their W-4 form at work to have a certain percentage of their pay deducted to support the program - those who do not want to pay into the system don’t, but, they also are not eligible for government health care services.
Everybody who wants it, can pay into it, everyone who doesn’t want it, doesn’t pay into it and doesn’t get to use it.
Fair enough?
Truth - please help us understand why you have so much faith in the government doing this right. There is NO evidence that they will do the right thing, particularly with their ties to lobbysist. Once La Raza gets hold of those who want the Hispanic vote, taxpayers will be on the hook, by law, for the health care of illegal aliens and half of Mexico.
What is the imperative to make people who work hard to take care of their families pay for people who will not pay for their healthcare? I work REALLY hard to sent my kids to college and cover my family’s health care needs - now you want me to pay more money to take care of somebody else’s family? There’s something wrong with that.
“This is legalized stealing and it’s immoral and just plain wrong.”….man has a point, but we can delete the “legalized” relative to insurers and pharmaceuticals stealing us blind. One thing for sure….it sure is plain wrong. But who are we to say it is wrong for UnitedHealth, Aetna, and 60-80% of the private insurers to steal from us (meaning each of us and/or our government, both being the same). Fact is, we have no say, as we yet to have a public option that might just be less expensive; that might just “keep them honest”? Until we have the option, we just have to take it…they stealing for our pockets and pockets of future generations. Why put them through financial suffering?
Feb 1, 2009: Insurance companies involved in the Medicare prescription drug benefit have overcharged subscribers and taxpayers by several billion dollars, according to the inspector general for the Department of Health and Human Services. 80% of the participating insurance companies owe the program an estimated $4.4 billion for 2006 alone.
June 24, 2009: Congressional investigators said Wednesday two-thirds of the U.S. health insurance industry used a faulty database that overcharged patients for seeing doctors outside their insurance network, costing Americans BILLIONS of dollars in inflated medical bills.
Randy-Excellent post. There are several combinations of health care proposals that would be a huge improvment over what we have now and infinetly better than what the Obama administration is proposing.
The FEHBP Federal Employee Health Benefits Program is just one such program.
So many citizens despite protestations of concern for their fellow man(perhaps with good reason) have very personal reasons for vendettas against doctors, pharmaceutical companies and insurance outfits, and therefore cannot be trusted to make rational judgements on this issue.
There is enough blame to go around but no one entity is responsible for how cumbersome and expensive out health care has become.
I still would rather be treated in this country than any of the other places I have lived and many of my friends still live.
And tort reform is crucial.
The amount paid out to a litigant is not as impoortant as the amount paid IN by physicians….
The bottom line for health care and much of what government does is essentially cofiscatiing the money one person has earned and giving it to another person who has not earned it. Politicians aren’t any more qualified to decide how to spend money than the person who actually earned the money. This is legalized stealing and it’s immoral and just plain wrong.
What Randy describes sounds like the HSA Health Savings Account I mentioned in my original post.Not only do I have control ,if I manage my own health care effectively the unused portion of my HSA account acts like a tax deferred savings vehicle like an IRA.It’s very affordable and my premium has gone up less than 10.00/mo in 4 yrs.I do have a high deductible, but still come out ahead.
Randy is right..there are options other than turning it over to the federal government.Of course some people can’t/won’t see that.
Here’s an option:
I have a private, tax free health account. I set aside a certain amount of money per pay check to go into the account. Once I pay my medical expense, I get reimbursed b the account for drugs and doctor visits. I have catastrophic insurance for more expensive stuff.
Paying cash reduces a Doctor’s costs and the rate you pay. Anyone who knows accounting knows that there’s a cost associated with carrying a medical insurance payments for 60 - 90 days - cash upon receipt of services lowers the price and the cost.
Please do tell me on what basis we compel people to pay for other people’s healthcare through the government.
As noted today, we have proof the insurers and pharmaceuticals are screwing us. We have choices in life. One is to continue getting screwed at annual increases of 10% or more, or look at options.
Today we have no options. We thus can choose deeper into financial ruin, or at minimum, take a look at an option. If we find it bad, discard option.
We just don’t know but one thing. Today, we are getting screwed. Now if it feels good, stay with the screwing. If one want to a possible better way, why not at least look at it; then, decide to take it, or continue getting screwed?
truth,O compassionate one, far be it from me to argue with your flawed assertions .I’m still looking for proof that the government can run ANYTHING better than the private sector.With your encyclopedic knowledge of EVERYTHING, ,why don’t you cite a few examples,...just try not to be so obnoxious.
At least we agree on the problem, just not the solution.For the record I do enjoy your posts, just can’t follow your logic sometimes.
There are some people who don’t understand and there are some people who don’t want to understand. Best let um be.
At least 73% of Amerians do understand.
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