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John McCain’s Plan for Healthcare System Reform Is Much Worse Than Barack Obama’s Healthcare Plan. Part 4

 

Stanley Feld M.D.,FACP,MACE

I feel it is necessary to evaluate John McCain’s healthcare plan point for point. His task force does not understand the basic problems in the healthcare system. This is the last part of my analysis of John McCain’s healthcare plan because he doesn’t have anything else to say. The healthcare system will remain unchanged. He is not a patient advocate. He will permit the control of the healthcare system to remain in the hands of the healthcare insurance industry. Patients should be in control of their healthcare dollar.    

A Specific Plan of Action: Lowering Health Care Costs Continued

John McCain Proposes A Number Of Initiatives That Can Lower Health Care Costs. If we act today, we can lower health care costs for families through common-sense initiatives.

How?

INFORMATION TECHNOLOGY:

Greater Use Of Information Technology To Reduce Costs. We should promote the rapid deployment of 21st century information systems and technology that allows doctors to practice across state lines.

Is this an information technology plan? No! Many have tried to stimulate the use of information technology. All of the attempts have failed so far for good reason. My ideal EMR describes the barriers to the use of information technology by physicians that John McCain seems to be unaware of.

He also seems fixated on destroying the state control of regulating the healthcare insurance industry. The states have done a poor job of protecting the consumer against the healthcare insurance industry. Allowing physicians to practice across state lines will weaken state control and state medical and insurance board even further at a time they are trying harder to protect the consumer.

MEDICARE:

Reforming The Payment System To Cut Costs. We must reform the payment systems in Medicaid and Medicare to compensate providers for diagnosis, prevention and care coordination. Medicaid and Medicare should not pay for preventable medical errors or mismanagement.

The payment system needs to be reformed. Cognitive medical care must be recognized and appropriately compensated, if we are going to make progress with chronic disease management. John McCain does not explain how that will cut costs. Reforming the payment system can start encouraging the use of systems of care for chronic disease management. Who is going to train physicians groups to practice chronic disease management and how much will that cost? John McCain wants to hand Medicare to the healthcare insurance industry. I believe this action will be a disaster.

SMOKING:

Promoting The Availability Of Smoking Cessation Programs. Most smokers would love to quit but find it hard to do so. Working with business and insurance companies to promote availability, we can improve lives and reduce chronic disease through smoking cessation programs.

This is an important point. Again, the proposal is open ended. There is no financial advantage for patients to stop smoking. 

STATE FLEXIBILITY:
Encouraging States To Lower Costs. States should have the flexibility to experiment with alternative forms of access, coordinated payments per episode covered under Medicaid, use of private insurance in Medicaid, alternative insurance policies and different licensing schemes for providers.

This policy sounds like it is going to redirect the costs of entitlements to the states. He also want the states to shift Medicaid to the private healthcare insurance companies.  The states can not afford to increase Medicaid spending without increase local taxes. John McCain would be happy with this because he would not raise federal taxes. 

TORT REFORM:

Passing Medical Liability Reform. We must pass medical liability reform that eliminates lawsuits directed at doctors who follow clinical guidelines and adhere to safety protocols. Every patient should have access to legal remedies in cases of bad medical practice but that should not be an invitation to endless, frivolous lawsuits.

This is the most specific part of John McCain specific plan for healthcare reform. It is absent from Barack Obama’s plan. If the proposal is effectively designed it would decrease the cost of the practice of defensive medicine. It would also decrease the cost of physician malpractice insurance. The result would be lower medical costs. 

TRANSPARENCY:

Bringing Transparency To Health Care Costs. We must make public more information on treatment options and doctor records, and require transparency regarding medical outcomes, quality of care, costs and prices. We must also facilitate the development of national standards for measuring and recording treatments and outcomes.

John McCain’s transparency must be real transparency. Real price transparency means cost of producing the service compared to the prices charged for that service by healthcare insurance companies, hospital systems, and physicians. It sound as if price transparency will be directed at physicians. It will be an unsuccessful initiative if it is only directed at physicians.  

Confronting the Long-Term Challenge
John McCain Will Develop A Strategy For Meeting The Challenge Of A Population Needing Greater Long-Term Care. There have been a variety of state-based experiments such as Cash and Counseling or The Program of All-Inclusive Care for the Elderly (PACE) that are pioneering approaches for delivering care to people in a home setting. Seniors are given a monthly stipend which they can use to hire workers and purchase care-related services and goods. They can get help managing their care by designating representatives, such as relatives or friends, to help make decisions. It also offers counseling and bookkeeping services to assist consumers in handling their programmatic responsibilities.

This is about the only innovative idea in the entire healthcare policy that is directed to the people. It is a concrete idea with some hint of operational strategy. This proposal is strange. It will create subsidized service for elderly. John McCain is against entitlement programs and yet offers a new entitlement. It is a contradiction in his philosophy in order to attract the senior vote.

I have described John McCain’s entire healthcare policy. He does not tell us how he is going to make his sound bites operational. He has little idea of what to do about the “broken” healthcare system except to protect business and the healthcare insurance industry at the expense of the people.

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John McCain’s Plan For Healthcare System Reform Is Much Worse Than Barack Obama’s Healthcare Plan. Part 3

Stanley Feld M.D., FACP, MACE

John McCain’s healthcare plan goes on to have “specific” proposals. His specifics are in reality generalities. He does not describing a plan to execute any of his “specific” proposals.I believe the American people deserve more than John McCain is offering.

“A Specific Plan of Action: Lowering Health Care Costs”

“John McCain Proposes A Number Of Initiatives That Can Lower Health Care Costs. If we act today, we can lower health care costs for families through common-sense initiatives.”

How can we lower healthcare costs if we act today with common sense initiatives ?

“Within a decade, health spending will comprise twenty percent of our economy. This is taking an increasing toll on America’s families and small businesses. Even Senators Clinton and Obama recognize the pressure skyrocketing health costs place on small business when they exempt small businesses from their employer mandate plans.”

Amer ica is being bankrupted by many dysfunctional policies. Medicare alone will cost 100 trillion dollars a year in 60 years. It is essential that politicians understand the basic problems with the healthcare system before making specific proposals without having a mechanism for executing the proposals. One basic problem with the healthcare system is the healthcare industry’s control of the healthcare dollar. John McCain plans to keep the healthcare insurance industry in control of the money. He should give patients control of their healthcare dollar.

CHEAPER DRUGS:

“Lowering Drug Prices. John McCain will look to bring greater competition to our drug markets through safe re-importation of drugs and faster introduction of generic drugs.”

Did anyone ever consider why brand name drugs cost less in Canada than in the United States? It is because the Canadian government can not and will not pay a higher price. The pharmaceutical companies want Canada’s drug market. They simply cost shift the difference for the same drug to the United States market. If the Food and Drug Administration is doing its duty correctly generic drugs should be no different that brand name drugs.

Drug patents protect the pharmaceutical companies’ return on investment. When the patent expires the drug can be sold generically. In order to maintain a return on investment the pharmaceutical industry needs to discourage patients and physicians from using generic drugs and re-importing brand name drugs. At the same time the government wants the pharmaceutical industry to have incentives to produce new drugs.

There is clearly a conflict of interests that is not resolved. It will not be easy for John McCain to fulfill the statement to lower drug prices without a program to lower prices that is fair to all. How is he going to do this? Is he going to create another entitlement program for drugs? It is easy to make a promise. It is hard to fulfill poorly thought out promises.

CHRONIC DISEASE:

“Providing Quality, Cheaper Care For Chronic Disease. Chronic conditions account for three-quarters of the nation’s annual health care bill. By emphasizing prevention, early intervention, healthy habits, new treatment models, new public health infrastructure and the use of information technology, we can reduce health care costs. We should dedicate more federal research to caring and curing chronic disease.”

What programs are going to be created for “prevention, early intervention, healthy habits, new treatment model, ect”. Is his government going to reward physicians and patients for preventing the complications of chronic diseases? How is he going to encourage cognitive physicians to create infrastructure to practice chronic disease management? Decreasing reimbursement for cognitive physicians will not encourage chronic disease management.  So far there has been little or no payment for prevention of the complications of chronic disease.

How is he going to fight the war on obesity? Is he going to penalize baseball teams that sell baseball tickets offering all you can eat? Is he going to restrict restaurants from serving larger portions in order to raise prices and attract customers as well? Is he going to reward patients for healthy lifestyle changes? John McCain has to present solutions and not sound bites? He has no solutions.

COORDINATED CARE:

Promoting Coordinated Care. Coordinated care – with providers collaborating to produce the best health care – offers better outcomes at lower cost. We should pay a single bill for high-quality disease care which will make every single provider accountable and responsive to the patients’ needs.

This is a good idea. How is he going to do this? Does he mean making the patient the center of the team and the team an extension of the physicians care? Does he mean making the patients the professor of their chronic disease and equally responsible for the outcome as the physician and his chronic disease team? 

GREATER ACCESS AND CONVENIENCE:

Expanding Access To Health Care. Families place a high value on quickly getting simple care. Government should promote greater access through walk-in clinics in retail outlets.

This is a bad idea. One the one hand John McCain calls for co-coordinated care and on the other hand he promotes fragmented care. Disease management and effective medical care work when there is a strong physician-patient relationship. The team approach can promote the physician-patient relationship if the team is an extension of the physician’s care. The government should train or retrain physicians’ practices to provide greater access to quick simple care rather than encourage a new entity in the healthcare industry that could potentially abuse and overcharge the healthcare system. Uncoordinated home healthcare and nursing home care absorb a large portion of the healthcare dollar. If the care was coordinated it could add value to the medical care system. 

 

John McCain’s  healthcare plan outlines specific proposals. He does not offer specific solutions for his proposals. His proposals also highlight his lack of understanding of the healthcare system’s basic problems.   

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone.

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John McCain’s Plan For Healthcare System Reform Is Worse Than Barack Obama’s. Part 2

Stanley Feld M.D.,FACP,MACE

John McCain’s healthcare plan is not a healthcare plan. It would not put “Patients First”. His plan is designed to avoid further entitlement programs and to relieve employers of the obligation of providing healthcare insurance for their employees. The sound bites and slogans imply healthcare will be provided to all. His remarks have no substance. They are simply generalities. They do not deal with the basic problems in the healthcare system.


“John McCain Will Encourage And Expand The Benefits Of Health Savings Accounts (HSAs) For Families. When families are informed about medical choices, they are more capable of making their own decisions and often decide against unnecessary options. Health Savings Accounts take an important step in the direction of putting families in charge of what they pay for.”

What does “encourage and expand Health Savings Accounts” mean? There is no discussion of who is going to pay for the HSA’s. My view is Health Savings Accounts do not provide incentives for patients to be responsible for themselves. The healthcare insurance industry controls the money and the co-pays. It uses the money for its own investments. Patients can use the remaining money not spent for future healthcare need rather than owning the funds they do not use in a retirement plan. It is simply a delayed payment to the healthcare insurance company. With a high deductible there should be first dollar coverage after $6,000 is spent.

“ Specific Plan of Action: Ensuring Care for Higher Risk Patients”

“Plan Cares For The Traditionally Uninsurable. John McCain understands that those without prior group coverage and those with pre-existing conditions have the most difficulty on the individual market, and we need to make sure they get the high-quality coverage they need.”

He does not propose how he is going to provide “high-quality coverage” to the uninsurable. What does “high quality coverage” mean? There is a large gap between where patients can be comfortable with healthcare coverage and patients’ anxiety about inadequate healthcare coverage. Inadequate healthcare insurance overage (under insured) is usually discovered after the fact.

“John McCain Will Work With States To Establish A Guaranteed Access Plan.”

“As President, John McCain will work with governors to develop a best practice model that states can follow – a Guaranteed Access Plan or GAP – that would reflect the best experience of the states to ensure these patients have access to health coverage. One approach would establish a nonprofit corporation that would contract with insurers to cover patients who have been denied insurance and could join with other state plans to enlarge pools and lower overhead costs. There would be reasonable limits on premiums, and assistance would be available for Americans below a certain income level.”

John McCain should know that states already have high risk pools. The high risk pools have been unsuccessful. Patients with pre-existing illness are overcharged and underinsured by the healthcare insurance industry. The providers of the healthcare insurance are the healthcare insurance companies and not the states. The healthcare insurance industry is not in business to lose money. It sets the high risk premiums at high unaffordable rates. The criteria used to determine rates are not transparent. The only thing transparent about the healthcare insurance industry is its exorbitant profits from high premiums while it restricts patients access to care.

“John McCain Will Promote Proper Incentives. John McCain will work with Congress, the governors, and industry to make sure this approach is funded adequately and has the right incentives to reduce costs such as disease management, individual case management, and health and wellness programs.”

To who are the incentives directed? John McCain’s incentives subsidize the healthcare insurance industry. He is not providing incentives to patients to promote wellness.

 
With a basic philosophy of decreasing government entitlements (privatizing Social Security and Medicare) and relieving employers of the burden of providing healthcare insurance, John McCain is not a patient advocate.

George W. Bush beat John McCain in the 2000 primaries because George W. Bush projected a greater grasp of America’s problems and a more compassionate personality. Unfortunately, neither perception of George W. Bush turned out to be correct. John McCain’s healthcare plan offers neither perception. I can not understand how anyone who sees the difficulty Americans are having in healthcare system could think John McCain’s healthcare plan would solve our healthcare problems.

John McCain should focus on patients, not the secondary stakeholders.

 

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone.

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