NYT columnist, and Nobel laureate in economics,
Paul Krugman raises an interesting point about Blue Cross's new Harry and Louise type ads opposing health care reform:
“We can do a lot better than a government-run health care system,” says a voice-over in one of the ads. To which the obvious response is, if that’s true, why don’t you? Why deny Americans the chance to reject government insurance if it’s really that bad?
For none of the reform proposals currently on the table would force people into a government-run insurance plan. At most they would offer Americans the choice of buying into such a plan.
And the goal of the insurers is to deny Americans that choice. They fear that many people would prefer a government plan to dealing with private insurance companies that, in the real world as opposed to the world of their ads, are more bureaucratic than any government agency, routinely deny clients their choice of doctor, and often refuse to pay for care.
Several brilliant points. First, if Blue Cross says we can do better than a government option, then why doesn't Blue Cross do better? Why does Blue Cross's best, most expensive, plan only offer self-employed people, like me, a maximum of $1500 in prescription drugs a year (which basically means you're dead if you get any serious illness)? And why aren't those benefits indexed to inflation - I get the same $1500 today that I got in 1997 when my plan started, even though my premiums are now 3 times higher. Why did
Blue Cross terrorize the widow of my high school Spanish teacher?
Fernando Mendoza had insurance when doctors inserted a catheter to deliver his chemotherapy last July. The procedure was covered by his HMO, Blue Cross and Blue Shield of Illinois. But almost 10 months after Mendoza received the catheter--and nearly three months after he died of esophageal cancer--his widow continued to receive statements showing $1,743 was unpaid. Thinking she was being billed, Suzanne Mendoza said she called Blue Cross several times and was told the doctor submitted the claim too late to be covered. -- Chicago Tribune, May 17, 2006
Blue Cross can surely do better than that.
Second, and this is the crucial point, Blue Cross is saying that we should stop the government from giving you THE CHOICE to join a government plan that "may," Blue Cross claims, ration out health care. Well, if it's only a choice, and if in the end the new government option doesn't work, and ends up rationing health care, then none of us will choose the government option, and if we have already, we'll simply switch back to Blue Cross. So what's the problem? Why does Blue Cross not even want you to HAVE that choice? That tells you much more about Blue Cross than it does Obama's health care plan. It tells you that Blue Cross is afraid that you may like the government option. And if you do, Blue Cross won't make as much money.
Let me reiterate this. If you don't like the government option, you can always stick with Blue Cross under Obama's plan. So why is Blue Cross fighting Obama's plan? Because they're greedy special interests, and over your dead body they're going to permit the government to give you a better option.
Someone needs to start running ads showing Blue Cross terrorizing the wife of my deceased Spanish teacher. Or ads showing Blue Cross slowly letting my prescription drug benefits wither on the vine. Where are the hard hitting ads on our side? It's 1993 all over again. And the left appears, yet again, to be playing far too nice.
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