The latest newsletter from the National Association of Health Underwriters referenced an article in the New York Times about the disparity of health insurance premiums between men and women:

Data indicate cost disparities among women, men for individual insurance policies.

The New York Times (10/30, A23, Pear) reports, “Striking new evidence has emerged of a widespread gap in the cost of health insurance, as women pay much more than men of the same age for individual insurance policies providing identical coverage, according to new data from insurance companies and online brokers.” Price quotes and rate tables indicate that “the disparities are evident in premiums charged by major insurers like Humana, UnitedHealth, Aetna, and Anthem.” And, although “in job-based coverage, civil rights laws prohibit sex discrimination,” the “individual insurance market is notoriously unstable.” While “some insurance executives expressed surprise at the size and prevalence of the disparities,” others, such as women’s advocacy groups, “have raised concerns about the differences, and members of Congress have begun to question the justification for them.” Still, citing more use of healthcare services among women, “especially in the childbearing years,” insurance companies “say they have a sound reason for charging different premiums.”

 This, like a myriad of things that comes out of the New York Times, is INSANE.  What’s missing is three simple facts:

1) Women use the doctor more…period.  To not take that into account from an actuarial standpoint would be completely and utterly insane.  It’s not a civil rights issue that women use the doctor more.

2) Maternity is typically automatic with Group Health Insurance, it’s rarely an option.  The last I checked, men are not getting pregnant…at least as far as I know.

3)  Women pay less for Life, Long Term Disability, Long-Term Care insurance, Car Insurance…and Men special interest groups, the last time I checked, weren’t lobbying Congress to equalize that playing field.

A brief article on the history of why the healthcare system got to where it is, and why the McCain plan is actually the only one of the two (between his and Obama’s) that can truly accomplish anything:  by putting more control back in the hands of the consumer instead of simply shifting control from EVIL Insurance companies to the ALL-LOVING Federal Government.

Mr. Jacoby is very explicit in explaining the history of the problem:

During World War II, federal wage controls barred employers from raising their workers’ salaries, but said nothing about fringe benefits. So firms competing for employees at government-restricted wages began offering medical insurance to sweeten employment offers. Even sweeter was that employers could deduct those benefits as business expenses, yet employees didn’t have to report them as taxable income. For a while the IRS resisted that interpretation, but Congress eventually enshrined the tax-exempt status of employer-based medical insurance in law.

Result: a radical shift in the way Americans paid for medical care. With health benefits tax-free if they were employer-supplied, tens of millions of Americans were soon signing up for medical insurance through work. As tax rates rose, so did the incentive to keep expanding health benefits. No longer was medical insurance reserved for major expenditures like surgery or hospitalization. Americans who would never think of using auto insurance to cover tune-ups and oil changes grew accustomed to having their medical insurer pay for yearly physicals, prescriptions, and other routine expenses.

Now, I actually don’t agree with the part of McCain’s proposal that taxes employer-based coverage.  I’m more interested in parity (making sure that individuals get the same tax cut), than I am a punitive approach.  But it at least cuts at the core of the problem: the individual has been left out of the process for far too long.  It’s actually just a little too harsh.

I preferred the plan that President Bush proposed in a State of the Union address a few years ago (seems like so long ago), and that was a tax-credit (and a pretty sizable one, if I recall) for those participating in Consumer-Driven (High-Deductible) Health Plans.  That would have accomplished a lot as far as getting more control of costs back in the hands of the consumer without giving a Democratic contender ammunition to call the Republican contender a tax-hiker.

(Mirrored on logipundit.com)

None of you really want to hear my opinions on the general bailout package passed by the Senate last night, but I felt it my duty to inform you of the implications of the added section regarding mental health (since some of you are obviously crazy).

NAHU (National Association of Health Underwriters) sent me a good summary this morning, so I’ll give you some excerpts:

Modern Healthcare (10/2, DoBias) explains that the Senate measure “includes the already agreed upon mental-health parity language that passed the Senate as part of a tax-extenders package and the House as a stand-alone bill.” According to MedPage Today (10/2, Walker), an earlier mental health parity bill, passed by the House in March, “was dead on arrival in the Senate because of language that would have required insurance companies to give equal coverage to all mental illnesses outlined in the DSM [Diagnostic and Statistical Manual of Mental Disorders]. This was a far-reaching stipulation that made some conservatives squeamish,” according to Peter Newbould of the American Psychological Association’s Practice Organization. The new mental health parity language, included in the rescue plan, “removes any mention of the DSM.”

[…]

Meanwhile, the New York Times (10/1, A28) editorializes, “The bill is endorsed by President Bush, business groups, insurance companies, the medical community and mental health advocates. … But it requires a final shove because the measure is snarled in a broader legislative struggle over how to pay for tax revenues that would be reduced by this measure and others. Is there a statesman who can push this worthy parity legislation through to final passage before adjournment?

I’m not a mental health expert and I don’t even play one on TV, but “Mental Health Parity” is not something that I have always been an ardent supporter of.  It would be good for me, insurance companies, medical professionals, medical health advocates, etc.  I’m just not 100% sure that it’s good for patients.  This is most likely because I don’t believe that “medicine” is always the best approach to mental health problems, but if I talk any further I will begin to effectively display my ignorance on the matter.  I’m hoping to get some input from our “Behavioral Medicine” specialist.  If and when I do, I’ll post again or have him do so.

August 5, 2008 (Leesburg, VA)–Carla Deniz of Moonlit in the Sun

We live in an incredibly stressful world. Research has long shown that stress can be detrimental to a person’s health. For example, stress has been shown to decrease white blood cells (lymphocytes), reducing their ability to fight off infections (Kang, Coe, McCarthy, & Ershler, 1997; Kiecolt-Glaser & Glaser, 1991). Additionally, stress has been shown to negatively affect wound healing (Marucha, Kiecolt-Glaser, & Favagehi, 1998).

Relaxing music has been shown to decrease heart rate, lower blood pressure and cortisol levels, and reduce anxiety (Kight & Rickard, 2001; Miluk-Kolasa, Obiminski, Stupnicki, & Golec, 1994). In fact, researchers have recently been investigating the effect of music on surgery as a means of reducing stress and aiding in faster recovery (Leardi, Pietroletti, Angeloni, Necozione, Ranalletta, & Del Gusto, 2007; Uedo, Ishikawa, Morimoto, et al, 2004)

Moonlit In The Sun, a classical string and piano ensemble, is working with the Restaurant at Patowmack Farm to help people have a truly stress-relieving and tranquil experience. The music performed by Moonlit In The Sun has been specifically selected to give listeners a calm, peaceful sensation. Dr. Deniz, executive director of Moonlit In The Sun, notes “I cannot emphasize enough how important it is for people in today’s metropolitan lifestyle to use music to help them recover from the barrage of stressful events in their daily lives.”

Beverly Morton Billing, owner of The Restaurant at Patowmack Farm, has selected dates for this experience to specifically fall when there is a full moon. Says Beverly, “Full moon and soothing music, stars and dining. It’s a great combination.”

The Restaurant at Patowmack Farm is located on Lovettsville road just ½ mile west of Route 15 near the Point of Rocks Bridge. It overlooks the Potomac River in Lovettsville, VA. Moonlit In The Sun will be performing there on Thursday August 21, September 18, and October 16 (the weeks of the full moon). For reservations call 540.822.9017.

For more information on Moonlit In The Sun, visit their website at www.moonlitinthesun.com or call 571.223.5321 (more…)

One of my new clients sent me this trailer, and it looks very interesting.

You are what you eat seems to be the overall message. Might be worth a gander at the whole movie.

Got this today from the NAHU:

Health consulting firms help coordinate healthcare services for individuals.

The Boston Globe (6/23, Wertheimer) reported, “During the last six years, a number of personal health advising firms and solo consultants have opened shop, catering to people willing to pay fees ranging from $150 an hour to $100,000 a year for advice on the best doctors and treatments for their maladies.” The advisors “are trying to fill a gap in healthcare created by overworked primary care doctors who have less time to coordinate patient care, while also catering to the desire of a growing number of patients to take charge of their healthcare.” The consultants “help clients find specialists and also will make calls to ensure that a patient’s various doctors are communicating with each other.” Although several of these consultants cater to the wealthy, others “see themselves as performing more of a neighborly service for clients, who tend to be more middle- than high-income, and need immediate help with a health dilemma.”

“[H]elping patients navigate the medical system used to be the role of the primary care doctor,” notes Jacob Goldstein in the Wall Street Journal’s (6/23) Health Blog. “But as primary care docs have grown busier and the system has grown more complicated, patients often find themselves on their own — creating a market for” health advising firms.

Not a bad idea given the demand for accurate and comprehensive medical expertise. I wish more family doctors, internists, generalists treated their practice like a “health advising firm.”

A little news I thought might be worth mentioning:

The Loudoun SBDC is putting on an event this coming Tuesday, April 29th, from 6:00 to 8:30pm, titled “Health-Care Options for Small Businesses” (Full info here). There will be various representatives from the health field (yours truly included) talking about how Small Businesses can best contain risks and Health-Care costs for their companies and employees.

SO please:

a) attend (IT’S FREE!), but register ahead of time.
b) forward this along to your respective networking groups, organizations, committees, etc, so that all those seeking an education on this topic will have the opportunity.

Any questions about the event, please direct to the Loudoun SBDC.

Here’s a grand example of how Congress can talk out of both sides of its mouth. On one side they are concerned about making Health Insurance more affordable; and on the other, they want to make it just a little more difficult for us to manage our own healthcare. First of all, this story does not mean that HSAs really lose any of their benefits, but it is simply the Congress trying to “save” tax dollars by making it more bureaucratic to save money in an HSA. It’s complete nonsense and is further evidence that those in Congress that talk about Health Care “affordability” only want that affordability to exist within the framework of Socialized medicine:

This week, the House passed legislation that included a provision to require every HSA transaction be reviewed and verified as a legitimate medical expense. Democrats say this is to ensure that consumers are using their tax-free withdrawals for a knee replacement, rather than a new iPod. In reality it adds a layer of bureaucracy that could sharply reduce the appeal and cost savings of HSAs.

A key player here is Ways and Means Health Subcommittee Chairman Pete Stark, whose main purpose in politics is to give the U.S. a government-run health-care system. He is a known opponent of HSAs – once comparing them to “weapons of mass destruction” – because they introduce more individual choice into the health-care marketplace.

Pushing for the provision was a company called Evolution Benefits, which has patented a system for the substantiation of health-care expenses. Evolution’s lobbyist, John McManus, was the former staff director of the Health Subcommittee under Republican Bill Thomas. The company first lobbied for the HSA provision, then withdrew its support when Republicans began to focus on its role. But Ways and Means Chairman Charlie Rangel helped make sure the provision was in the bill, which passed largely on partisan lines.[emphasis mine]

But hey…we want to keep “Special Interests” out of Washington, right? If we as health-care consumers want to continue to have control over our health-care without the Government making it difficult for us, we need to make sure this provision does not pass. Call YOUR Senator, and while you’re at it, call the three that are running for President, and make sure this bill is stopped.

Kym and Krysten Norris of the locally owned “n2Design” have been selected as part of the national team to spread the word about autism:

ASA Launches “Bounce for Autism” this April!
New Nationwide Event to Raise Awareness, Support Families Affected by Autism

ASA and Pump It Up, the nation’s largest and fastest-growing franchise of giant indoor inflatable playgrounds for private parties, are pleased to announce the launch of “Bounce for Autism,” a new nationwide, community-based fundraising event that combines family fun with raising awareness and support for autism.

Kids, families and friends of all ages can “bounce” at a Pump It Up location, and all proceeds raise funds to support autism. Participants form a “Sock Squad” - their team of bouncers committed to raising funds to help improve the lives of all affected by autism. They ask friends, family and community members to support the cause by giving a donation to sponsor them. Best of all, “Bounce for Autism” gives people on the autism spectrum the chance to support their own cause and head their own teams in a safe, supportive and fun environment. Learn more about how it works at:

http://www.autism-society.org/site/PageServer?pagename=bounce_about_how

Check out the ASA website for their full national calendar in April, and for more information on how you can help here locally contact:

Kym and Krysten Norris of n2design.

This is an interesting site about Free-Market medicine.

I particularly like this article where David Gratzer (author of The Cure) explains what the real problem is, and why socialization is not the answer. It begs the question: if we ARE in a market-driven system, why is it that costs don’t go down like other high-tech fields? The answer is: we’re NOT in a market-driven system. And it’s tough to argue that a truly market-driven system definitely wouldn’t work. So shouldn’t we try it first?

A lot of the rest of the site has videos that dispel some myths about the current system…like the number of people that are uninsured by choice, and the extent of the safety net for those who don’t have a choice.

A sister site, On the Fence Films, has a video about a brain surgery patient from Ontario which illustrates the flaws in a single-payer system.  Many of the arguments for “rationed care” simply comes to this:  only poor people are important, and those with jobs and money should have to wait just like everyone else.  Tell that to this gentleman.  The dirty truth is…even a poor person in the U.S. with no “coverage” would have better “access” than this middle class family in Ontario.  And our private system would eat the bill.

In addition, missing from the conversation of Government Health Care is the fact that local governments and non-profits have been an effective solution so far for those without private coverage.  Like the Loudoun Free Clinic, where anyone in the county who makes less than 200% of poverty can get FREE health care.