Friday, February 27, 2009
Amazing Art Intensive in Santa Fe
Tuesday, January 27, 2009
Universal Health Revisited
Universal Health Revisited
We’ve tried. In 1947, President Truman presented a plan. The AMA railed against it as “socialized medicine.” In 1971, President Nixon put forth a program to provide a public plan that is better than most of what is now considered "progressive." The insurance industry and Congressional Democrats led by Ted Kennedy, defeated it. Hillary Clinton oversaw development of a broad coverage plan in 1993. Because of a proposed increase in employer funding, business lobbied against it. The insurance industry that had the most to loose led a lobbying attack that was championed by Congressional Republicans and some disaffected Democrats.
Every year financing health care has become increasingly more difficult. More and more Americans are no longer insured (47 million according to the Census before the latest downturn in the economy). About the same number are considered to have inadequate coverage.
Increasingly the electorate is asking our representatives to do something. But they seem to be stymied between the veritable rock and hard place. The rock is “how do we fund a program that will cost over $1 trillion,” and the hard place is “how do we counter the insurance lobby’s power.”
The largest insurer, Aetna, gathers more than 20 cents of each premium dollar for "administration." The proportion of an individual premium that goes to administration increases as the number of beneficiaries in an insurance pool decreases. Thus, small employers find that their premium per worker is much higher than larger competitors. Younger workers often opt out of employer plans because they view their share of the premium as “not worth it.” They’d rather risk the possibility of a heavy medical expenditure against paying the monthly premium. The loss of this healthy group increases the premium that must be paid to cover older workers. And we pay for these uninsured when they get sick, $43 billion in 2005.
In these troubled times, universal health care makes even more sense because more services can be purchased for less! According to The New England Journal of Medicine, Canada’s single payer plan spends 17 cents of each health care dollar on administration. The comparable U.S figure is 31 cents. The potential saving is 14 cents of each health dollar or $280 billion. The bargaining strength of a universal plan would reduce the price charged for all types of services similar to what Medicare has done, an estimated saving of $200 billion.
Employer and employee premium payments reduce income before tax. This tax advantage, amounting to $200 billion, would end and lead to increased income tax collection. The end of the Medicaid program would produce a saving of more than $200 billion. Without an income tax increase, general revenues would increase $400 billion.
The current method of financing health care is inefficient. How would the program be funded? We are already paying for it, in fact, as shown above, we are overpaying. Allocating for the program would continue to need contributions from employers, employees and government.
THE FRENCH EXAMPLE
France’s health care system provides an example of what can be done. In 2000, the World Health Organization rated the French system the best in the industrialized world. (The U.S. ranked 37th of 191, just ahead of Cuba).
The French system is only partially publicly funded. Individual responsibility for paying for care increases with income. Individuals use private insurance, similar to Blue Cross and Blue Shield, to supplement public contributions. If a person falls below an income ceiling, stays more than 30 days in a hospital or has a chronic or debilitating illness, financial exposure is minimal. The equivalent situation for an American is often bankruptcy.
Almost all French providers accept the fee schedule set by government. Patients are responsible to pay providers directly, receiving reimbursement in about 10 days.
Based on studies between 1997 and 2000, the French have more resources per person than the U.S. Per 1,000 people, France has 3.3 physicians and 4.0 acute hospital beds; in the U.S., those numbers are 2.8 and 3.0, respectively. The only place the U.S. far exceeds the French is in nonphysician personnel: 1.9 in France, 5.7 in the U.S. Personnel who handle administration and billing account for the difference.
The French have twice as many office visits per capita, longer hospital stays, use more pharmaceuticals, but only half as many expensive MRIs as Americans.
Tax revenues fund 75 percent of the French health care program. Over half comes from a tax on employers and about 35 percent is from general revenues. Additional amounts come from taxes on automobiles, liquor, cigarettes and pharmaceutical companies and a 5 percent tax on earnings.
Why are we troubled about our health care system? After all, 83 percent of Americans have some form of third party coverage, yet only 40 percent are “fairly satisfied.” Are we more critical than the French, two-thirds of whom give high ratings to their system?
I submit that the U.S. system is balkanized and more bureaucratic than the French, the country that created bureaucracy. Our private insurers (there are about 1,300 of them) determine whom they will pay, for whom and how much based on contracts that change annually.
In the U.S., if you have the ability to pay, you can receive first class health care. But, a significant portion of our population (between 16 and 30 percent) is locked out and must resort to inferior, often more costly services, or none at all.
In 2006, more than 16 percent of our GNP went for health care; the French laid out less than 10 percent. While the French government funds 75 percent of services, the U.S. funds 50 percent. Yet, on a per-capita basis, we are spending more public funds than the French.
Looking at systems like France, I can see the possibility of providing access to first class care to everyone with the financial resources we now use, maybe even less.
On Monday, August 31, 2009, Paul Krugman wrote an article on the Nixon Proposal. I have been touting this proposal that is more progressive than anything that has been put forth, so far. I urge followers of this blog to view it: http://www.nytimes.com/2009/08/31/opinion/31krugman.html?hp
Doctor Appointment: Wait 3 Months
WHERE HAVE ALL THE DOCTORS GONE?
Incentives in our public and private health insurance are skewed away from prevention. The incentives for a medical graduate are to go into specialization. This incentive system has led to an excess of specialists and a paucity of preventive care primary care physicians. A recent survey of 1200 graduating medical school students indicated that only two percent were oriented to primary care. (TIME, 9/10/09). Because we have an excess of specialists, we don’t have the lines for elective surgery that exist in other countries. That is why a Canadian with means comes to the States for elective surgery. That is also why specialists, trained in Canada, come to the States to practice. To a great extent, that is why we spend over 16% of our GNP on medical care and most other countries spend (on average) 9%. That is also why our health statistics lump us with third world countries on such indicators as infant mortality. In addition, Dartmouth researcher, Elliott Fisher, M.D. suggests that too much health care may actually be killing us. His research indicates that as many as 30,000 Medicare recipients die annually from too much doctoring.
Primary care physicians report that up to sixty-five percent of what they are paid goes to administering their office. (Read Shannon Brownlee, July & August 2008 AARP Magazine, Why Does Health Care Cost So Much? Also read September 2008 AARP Bulletin.
Monday, January 26, 2009
Birding in Bosque del Apache New Mexico
I am not a great birder, but I enjoy the outdoors, and this year has been special in New Mexico. While the rest of the U.S. has suffered winter, temperatures have climbed to 60F with clear dark blue sky and no crowds.
The pictures on this page were taken by me and demonstrate the abundance just waiting to pose.
The Bosque is about 100 miles south of Albequerque just off of I-25. If you get a chance, don't forget your camera.
Wednesday, January 21, 2009
Super Bowl XLIII
http://www.murraytuckerwriter.com
Oh well, that was then, this is now. Again the Steelers are up against a Pitt great,Larry Fitzgerald. The only way to stop him is to get to the quarterback. Let's hope that a great officiating team is sent to this game. I'm tired of throwing my yellow flag at the TV when Harrison is blatantly held.
[Joe Tucker would be 100 this year. Here he relates his disappointment on the missed field goal. Myron Cope, longtime friend, introduces Joe].
Tuesday, January 20, 2009
WE CAN AND DID IT!!

MEMORIES of THE CAMPAIGN
Future President and Future Press Secretary Deplane
David Axelrod juggles papers and cell phone
Barack's message of hope and change challenged us to work on this campaign and why we are so proud, today, to be Americans.
Monday, January 19, 2009
Placitas, New Mexico and More!
As the snow kept coming in Steamboat we were very glad that we had planned to spend five weeks in January beginning Sunday, January 11th in Placitas,NM. Luckily we had a sunny day between snow flakes the Thursday we left. An easy leisurely drive was highlighted by a short side trip to a castle made of beer cans in San Antonio, CO and a tour through the Earthship Visitor Center It was fascinating to see how discarded tires stuffed with mud were a key part of the construction materials used. The Center itself is "a fully functioning Earthship that combines passive solar architecture with thermal mass construction, uses renewable energy, integrated water systems and is made out of natural and recycled materials." Check out their website www.earthship.org.
Tuesday, January 6, 2009
Steelers Bars USA+


While in Steamboat Springs we have enjoyed Sunday Brunch or Late Lunch at the Tap House that has about 15 flat screen TVs. Other than when the Broncos played, Steelers fans dominated.
But, as usual, we traveled. For each Sunday we sought out a place to watch the Steelers. In Fruita, CO, I sold three books and yawned through the drubbing of the Bungles. On return from a family reunion in Lost Wages (thanks Aunt Bess Tucker-you really had that place pegged right) we stopped east of Grand Junction, CO. The bar there had seven screens-six covering the Broncos, one on the Steelers. Another easy day.
Then a near death experience in Atlanta (picture). This was truly Steelers country-Large screen and several 32 inch plasma screens provided more than adequate coverage. The old 14 inch screens provided coverage of the other games. It was close, but we prevailed.
CBS in Denver prefers airing infomercials to Steelers games, so back to the Tap Room for the second near death experience- the Ravens II, seemed to have creamed Ben.
The last bar was in Sarasota. Almost all the patrons were Steelers fans, but we had to argue to get a screen on the game.
Nothing really compared to watching the AFC championship and Super Bowl XL in Ushuaia-the most Southern city in the world.
Yes, JoAnne and I are part of the Steeler Nation and proud of it.
Izzy
Over the holidays we spent a week in Atlanta visiting with grandkids, daughters and son-in-law. Accompanying our daughter, Julie, from NYC was her 8 month old Yorkie, Izzy, the first dog in our immediate family. According to Julie, no tranquilizer was needed for the 2 hour flight, but they did fly first class.
Monday, December 22, 2008
Winter Solstice in Steamboat Springs
We returned to Steamboat Springs five days ago just in time to experience the beauty of winter. Experiencing snow here is different. The lighting at this time of the year enhances the shadows and provides contrast of the whites and grays. Sometimes I find myself just sitting at the window, watching the patterns the snow has made on the pine trees.
Saturday Murray and I enjoyed a brief walk outdoors near our home. Despite the fact that the temperature was in the teens, we weren't cold. At one point I went to make a snow ball, but the snow was so powdery it just fell apart.
We suffered through a Steelers (Wrecklessberger) debacle on Sunday after which we worked out at the Health Club. For a grand finale, we went outdoors (17 degrees F) and into the Hot Springs (103 degrees). It is an amazing experience to soak in the hot sulfur water with lots of steam, surrounded by the snowy landscape.
Steamboat's economy depends on tourism and skiers enjoying the slopes. The city plows the roads efficiently and at least the locals know to drive slowly and respect the conditions. We live on a hill 900 feet above the valley. The road has lots of curves but is plowed regularly. And people celebrate snow falls because that means fresh powder! We are not skiers but our snowshoes are in our mud room and we have a trail right across the street that is calling us for a excursion before we fly off to celebrate the holiday with our family in Atlanta.
Friday, December 12, 2008
Life is just a bowl of Tai Chi
Sunday, December 7, 2008
Celebrating the Avodah Dance Ensemble
Tuesday, December 2, 2008
Out for a drive with my granddaughter
Monday, November 24, 2008
Election Night
The election was three weeks ago-hard to believe the long wait is over. Finally I have time to write about my reactions. Right after the election I still had to wind up things as campaign manager for Ken Brenner. He along with two other local Dems were not successful in their races. While our county Routt did favor Obama and Udall (Democrat for Senate) by 62% the local candidates were not able to overcome the overabundance of Red in the surrounding counties. And then there was so much catch up to do in the house to prepare for this trip that writing on our blog has had to wait til now.
Hiking in Zion National Park
At last with the election over and the house reorganized, we are back to traveling. We are completing four days at Zion National Park and have taken three wonderful and easy hikes that we want to share.
Sunday, June 1, 2008
New Art Work
Wow... now that I have a job my painting time is becoming more and more precious. Yesterday I finished a picture that I have been working on for the past five weeks. It is done in Genesis Heat Set Oil which enables me to work on it for a short period of time each day. I call this work "And we came upon them deep in the forest." It was fun to work on this different size canvas of 12" by 30".

Sunday, May 25, 2008
Upcoming Members' Show of Steamboat Springs Art Council

Monday, May 12, 2008
A Job - Campaign Manager for Ken Brenner
Wednesday, April 16, 2008
Immaculate Reception Statue at Pittsburgh Airport
On entering Pittsburgh's Airport,