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.

Oasis Body Treatment Centre, Let’s Dish!, and the Loudoun Women Business Forum are helping raise money for a Leesburg family:

“On November 17th, 17 year-old Michael Ramirez of Leesburg, VA was diagnosed with Acute Lymphblastic T Cell Leukemia, the rarest type of Leukemia. Happily, Acute Lymphblastic T Cell Leukemia responds well to treatment, so there is hope for Michael. Michael’s mother, Mary, is a single mother of five, and needs your support to pay for the treatments, feed the family, and put gas in the car for frequent visits to Fairfax Inova Hospital where Michael is currently an in-patient undergoing chemo-therapy treatment.

Michael is a senior at Loudoun Valley H.S. A typical young-adult, he likes sports, video games, reading, drawing, and Subway sandwiches. He and his family are understandably frightened, worried, and in need of your support…”

Read More Here…

Here is an article that falls a little short on health care. It briefly states the obvious and then opens up to comments (hmm…kind of like this site). The most entertaining part is reading some of the comments after the article. They range from the ridiculous to the pitiful, but neither the article NOR the comments specifically address the real problems:

1) Most health insurance (companies and plans) is not chosen or negotiated by the end user.
2) The average deductible in the U.S. is $500.

That’s it. End of story. You solve that, you solve about half the problem. And until you solve that it’s IMPOSSIBLE to solve the other half of the problem. Is this an easy problem to solve? It is for the consumer if you live in the right state (about 45 out of the 50). It’s not if you don’t.

My personal advise until the “Gubment” decides to solve all of our problems:

Take control of your health, and take control of your health insurance. Get underwritten while you’re healthy, and stay healthy.

This is a great illustration, and I would even argue the BEST illustration–brought to my attention by my good friend, JohnnyB–of what’s wrong with the current Health Care System, how it got there, and who’s actually (shockingly enough) coming up with the most radical (and arguably the most logical) approaches to solving said system. My favorite excerpt:

…[E]verything people dislike about our system results from the tax break for employer coverage. It makes costs rise, since people are less careful when they’re not paying out of pocket. It means people often lose their insurance when they switch jobs. And it keeps a lot of people–those who don’t have employers who provide coverage–from having much access to health insurance.

It’s always amazing to me how so many want us to learn from our past and figure out the “how did we get here” when discussing public policy…except for Health Care for some reason. In the case of a flawed public (tax) policy towards Health Care, many instead want to look outward and say: “Hey everyone else is doing it this other way.”

It’s really very simple: We do not have a true market-driven system if the end-user, the consumer, is not involved in the decision-making process. As soon as we give that a try, we’ll see if an ACTUAL market-driven system works.

The lesson to take from this? Everyone needs to figure out a way to write off their individual Health Insurance. Start a business, somehow, sell Amway if you have to, start a non-profit, whatever it takes, but don’t depend on your employer for your Health Insurance, and don’t let 60-year-old tragically flawed tax policies keep you from managing your own health costs and risks.

AND DO THIS WHILE YOU’RE HEALTHY, so that you NEVER have to make a job decision based on benefits.

If you have questions about taxes, call Earl, if it’s the Health Insurance you’re looking for, well you know by now who to call.

Just got through watching a video clip of the candidate’s forum a couple of weeks ago through the chamber.  One of the panelists asked a question about how local Supervisors could help with small businesses offering health insurance.   A few of the candidates (half) suggested the chamber (or someone) should sponsor forming a group for offering health insurance to  small businesses as a part of their membership.

I’m sorry, but “pooling” is not the answer…it’s actually more accurate to say that it’s the problem.  It’s a short-term fix at best and dangerous at worst.  Actually any sort of group coverage is only advantageous for those who have fairly serious health problems, and can sometimes be disastrous for someone who’s healthy when they sign up, but not-so-healthy when they leave their job.

Many of the panelists (candidates) were business owners themselves and stressed how health insurance was their biggest line item.  But only ONE…ONE (Mark Allbright) pointed out the obvious:  that the real secret was not to find a big pool, for more “bargaining power” (which doesn’t really exist-by the way), but to stay educated on new options, and keep your employees educated on how to best use their coverage so as not to make the rates go through the roof year after year.

Mr. Clem mentioned he was paying $2500/mo for TWO families’ health insurance.  Having no idea how healthy these families are, there is a good chance that not only is this exorbitant cost a waste of his money, but a waste of his employees’ money as well.

The real solution?  Call your agent (that’s me) and get on a plan that:

• Takes real advantage of current tax laws.
• Puts the reins of cost controls in the hands of the insured (not the insurance company OR employer).
• Has benefit structures that most insulate premiums from substantial increases.

And (using the service providers in the GCF Network–of course) educate yourselves and your employees on how to live healthy, stay healthy, and keep costs low by being healthy.

The 10th Annual Hike with Hope is this Saturday!

Friends of Loudoun Mental Health has been supporting folks who struggle with mental health problems – since 1955. That’s their mission: to raise money and provide direct financial aid for Loudoun programs that clearly empower people to get healthier through recovery.

You can help!

How? Come hike with us and/or give tax deductible dollars, and/or get sponsors to pay
you to take our 5- mile hike. We need your energy and happy spirit.

Where? We begin at Fox Ridge Park in Leesburg, move west along the W & OD bike trail 2.5 miles to a marked point on the trail, then turn around and come back. Food provided by Red Hot & Blue. We supply water. Please check in at the pavilion.

When? October 27, 2007. Activities start at 12:30 - the hike is from 1-3 pm.

Why? Because we are a “goosey group of caring folks” that believe in our community. This is just one way of “helping our neighbors.” Come Hike with us!

What? We Hike Rain or Shine! Prepare yourself for the adventure!

For information, email Amber Ernst at
arernst@loudounfriends.org
or call (202) 351-8612,
or Judy Hines at (703) 443-0524.
www.loudounfriends.org

Their website is being renovated, but here’s the full flyer on PDF, complete with a donor form.

PLUS, their mascot is a goose…I think. So how can you beat that?

Let’s Dish! is launching a very impressive Breast Cancer awareness campaign called the Pink Dish! Campaign. The campaign’s mission is to do what we Let’s Dish does best - provide meals to those who need them - and support families living with breast cancer through the donation of healthy Let’s Dish! meals at no cost.

There are three ways that you can support the campaign (from their website):

As there are many organizations dedicated to helping people NOT DIE of Cancer. This is, of course, a GREAT idea as it emphasizes the things we can do to help people LIVE with Cancer. Way to go Let’s Dish!

An interesting article about Health Insurance from the Journal. Unfortunately, most of it seems to be tailor made only for those who have severe medical problems:

“Nine times out of 10, if you can get access to employer-sponsored group coverage, take the employer-sponsored policy,” says Karen Politz, a research professor at the Georgetown University Health Policy Institute. “Dollar-for-dollar, you get a lot more protection.”

This is true especially if you have serious health issues that would eliminate you from qualifying for individual coverage. (more…)