Saturday, September 22, 2012

Regarding Healthcare Access and Insurance .............

Some questions I have for those interested in commenting, as I said over the weekend, I'll be working on my proposal for healthcare.

Congress, through Obamacare, injected itself in the business of healthcare, through the creation of a tax, they call it a fee, Supreme Court Chief Justice called it a tax, which was the only was it is Constitutional.

The Federal Government presently manages directly or indirectly:
* healthcare for active duty and retired military through DOD or Tricare;
* healthcare for veterans with service-connected disabilities through the Veterans Administration;
* healthcare for members of Federally-recognized Native American, Native Alaskan and Native Hawaiian tribes, nations or clans, through the Indian Health Service;
* healthcare for those collecting Social Security or Social Security Disabiilty, through Medicare; and
* healthcare for Federal Employees through the Federal Employees Health Benefits Program (FEHBP) and contracted with various insurance companies.

Also, I'm pretty sure, there is a "federal-program" that provides children of families on welfare, of Aid to Families with Dependent Children, medical services for those children only through, I think they are, contracted providers.

Here's the rub, I'm having with this issue ....
* Who licenses doctors and nurses? Each state.
* Who licenses hospitals? Each state.
* Who licenses insurance companies? Each state.

According to the U.S. Constitution, what are the limitations placed upon Congress pertaining to Commerce?

The Commerce Clause, Article I Section 8 Clause 3 of the Constitution of the United States, grants Congress the power “To regulate Commerce with foreign Nations, and among the several States, and with the Indian Tribes”. The commerce power is an enumerated power of Congress and the Supreme Court has interpreted it as an express grant of authority to Congress and an affirmative limitation on the rights of the states to regulate commerce within their own borders. Commerce Clause – The Commerce Power of Congress

While "the Supreme Court upheld the Affordable Care Act. But in doing so, Chief Justice John Roberts’ majority opinion appears to have placed new limits on Congress’s ability to regulate interstate commerce. Will this make future federal legislation harder to enact? Or does Congress still, in theory, have the power to make everyone buy broccoli? That’s a key question legal scholars are now mulling as they pick through the decision. by Brad Plumer on June 28, 2012 at 12:58 pm

"In its decision Thursday, five justices, including Roberts, ruled that the health reform law’s requirement for all Americans to purchase health insurance runs afoul of the Constitution’s Commerce Clause. Basically, the court ruled that Congress can regulate existing interstate commercial activity, but it can’t directly force people to enter into a market (by, say, requiring them to purchase health insurance). “The power to regulate commerce,” Roberts wrote, “presupposes the existence of commercial activity to be regulated.”"

"This subtle distinction between regulating activity and inactivity is one that libertarian legal scholar Randy Barnett had developed and pushed into the mainstream. It’s a new concept. Yet for the purposes of the Affordable Care Act, it ended up not mattering. Roberts ruled that the individual mandate was akin to a tax — Americans can either purchase health insurance or pay a fine through the IRS. And, since taxes are perfectly within Congress’ powers to levy, the law was upheld."

Here is another perspective. Individual states issue driver's licenses, based upon your residency within that state; however the Federal Aviation Administration issues pilot's licenses, based upon the National Airspace System is under Federal Jurisdiction. However the Federal Government also I believe has some licensing authority when it pertains to long haul trucking, which I assume falls under the "Interstate Commerce" clause.

Now as I understand the Supreme Court's decision, "if" the fine/tax provision were not in the bill, it would be unconstitutional. Correct?

Further, I know at one time there was a major issue pertaining to Congress attempting to direct or mandate a National Driver's License, and establish minimum requirements for obtaining it; but I believe it did not make even through or to a vote, because they realized it could not pass the "Interstate Commerce" clause of Congress' Powers by the Constitution.

So the first question, I guess, is Healthcare "by law" a State-right issue or is it or can it be a Federal issue?

Second question is "Wasn't Healthcare "de-regulated" in the past, like the telephone companies monopoly, resulting in all the baby-bell's or Aetna of California, Blue Cross and Blue Shield of Alabama, etc.?"

In light of the above two questions, the Supreme Court's decision, "Can there be a true "Federal" Healthcare System, beyond what is already provided, as I enumerated at the begining of this post, and beyond the scope of Affordable Care Act?"

Or, "Can Congress, in conjunction with the systems at the begining, create an 'Amercian Citizen Health Benefits Program' sort of a "government-type insurance that is a mixture of the programs, but available to all American Citizens? And then should it get into the Healthcare business or leave it to the states?"



Now what I would like to see, but not certain how to accomplish it would be to in some manner set a "pricing-cap" or regulatory process to control costs.

I would think with all the data the Federal Government collects on everything from paper-clip use to cow-fart-methane, they should have a set of statistics pertaining to various healthcare costs; such as office visits, the various procedures, xrays, etc.

Along those lines of statistical information, the to create a "benchmark" of healthcare costs, that would then be indexed by what I addressed in my post about income taxes, such as using the Federal Employees Locality Pay variance from the basic General Scale pay rate. In otherwords, taking here for example, we in this portion of Alabama would pay say $25.00 (Example only) for a basic office visit. In Monterrey County, California, where I believe the pay differential was 1.6, then in Monterrey County, you would pay $40.00.

Further as with everything, there is no one-size-fits-all when it comes to healthcare, only those services you use or need. So I would think a system that provides a basic level of service, WHICH, I believe should include Vision and Dental care, as part of the basic package. Then you have the yearly option, like the federal employees open-season to change plans, to add services, such as pre-natal and post-natal care, adding mental health care (to include substance abuse and recovery), etc.

Now on a rather "explosive" topic, I personally do not believe in abortion, except in the cases of rape or incest; HOWEVER, I believe that coverage for birth-control, contraception (including abortions) can be a part or should be a part of the Opt-In services provided under pre-natal and post-natal care. I would also agree with the inclusion of contraceptive measures, including abortion ONLY in the cases of rape or incest to be a part of the basic coverage. That would be in my opinion under emergency services; beyond that, i.e., "I don't like using condoms, or spermacides, or my boyfriend/husband couldn't keep his pecker in his pants" ... that's under the opt-in service of pre-natal/post-natal care. ... But I am sincere, when I say in the case of rape or incest, that should be an emergency service covered by all insurance.

Now I'm sure the extreme-evangelical Christian Right will have a problem even with those caveats in place, but by providing an "Alternative Insurance" such as the American Citizen Health Benefits Program, it allows them to keep the basic provisions they have for their members or employees who wish to "stay in line with church teachings" while at the same time presenting an option for those who may be a little more liberal in their beliefs.


In advance, please no flaming barbs or remarks, as I am honestly really trying here to get some good input as well as adopt a mid-of-the-road balance that more than that 47% percent Romney couldn't reach, can be satisfied with.

Thanks.
Bill 

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