Saturday, March 30, 2013

Family Health Hawaii

Former state Insurance Commissioner J.P. Schmidt has taken the job of CEO of Family Health Hawaii, a startup health insurance company, and said he hopes to have as many as 50,000 members in five years.
Family Health Hawaii, which is preparing to enter the Hawaii market in the next few months, will be the state's fifth commercial health insurer, competing with Hawaii Medical Service Association, Kaiser, Hawaii Medical Assurance Association and UHA (University Health Alliance).

Family Health Hawaii received conditional approval to sell insurance from the state's Prepaid Health Care Advisory Council on Thursday, said Paul Tom, council chairman. The council reviews health insurance plans to ensure they meet the requirements of the 1974 Prepaid Health Care Act, the law mandating employer-sponsored health insurance for full-time workers.

The new health plan will offer lower premiums for small businesses and help drive down the rates of other insurers as well, Schmidt said.

Hawaii's health insurance market is dominated by HMSA and Kaiser, which controlled 77 percent and 21 percent of the market, respectively, in 2010, according to the American Medical Association.
"We believe that our premiums will be very competitive and, in many cases, lower than what the current health insurers provide," Schmidt said.

"That is what our aim is. Family Health Hawaii has been set up with a very efficient structure — a structure that we believe will enable us to provide health insurance at a lower premium rate."

Tuesday, March 26, 2013

the doctor shortage

In the July 28 New York Times article “Doctor Shortage Likely to Worsen With Health Law” by Annie Lowrey and Robert Pear, the Association of American Medical Colleges reports that in 2015 the country will fall short by 62,900 doctors, “and that number will more than double by 2025, as the expansion of insurance coverage and the aging of baby boomers drive up demand for care.”

In five years the island of Hawaii will lose 32 percent of its current physicians, according to a survey published in the April Hawaii Journal of Medicine and Public Health. Its deciding issues are “financial sustainability, professional opportunities, community support and access to good K-12 schools,” according to a report by Karen L. Pellegrin, director of continuing/distance education and strategic planning at the University of Hawaii at Hilo College of Pharmacy.

In my opinion, this doctor crisis is a crime against the Hawaii people. Decisions that have been made by our Legislature for years are the cause. The state’s wasteful spending projects, an unfriendly business climate, the egregious General Excise Tax on goods and services, other high taxes and fees, a top-heavy school system and special interest “bargains” to buy union loyalties are directly related to our sky-high cost of living, low-rated schools and why we can’t retain doctors or attract businesses.

We now see how these reckless, self-serving practices by lawmakers directly connect to the very most fundamental measure of any successful community: a healthy population.

-- Susan Page, MidWeek September 26, 2012

***

It’s well-known in the health-care world that we have a looming doctor shortage, with a growing gap between the medical services we need and the doctors who can provide them.

This often gets chalked up to the Affordable Care Act: Expanding insurance, the thinking goes, will hugely increase demand for doctors’ services. It’s an issue I’ve written about, as have others.

New research in the Annals of Family Medicine throws some cold water on that theory: Researchers there suggest that it’s population growth and aging largely driving the demand for doctors, with the Affordable Care Act playing a more minor role.

Sunday, March 03, 2013

why democracy fails (and the fatal sequence)

democracy doesn't work...   (according to my cousin)

The $85B cuts required due to sequestration for this year is going to be done gradually and doesn't affect Social Security or the medical programs which is where the real adjustments have to be made to rein in the long term costs.  If you are aware of what is happening in Europe where austerity is cutting back gov't programs, the people are protesting in the streets.  Our politicians may be unable to agree on reducing govt spending until such time as when the gov't can't pay as in Europe and riots break out.

Someone wrote a book on the rise and fall of nations and it proves that history repeats.  People and politicians are programmed to repeat mistakes of the past.  There will always be a majority of people who wants something without working and politicians who pander to these people in order to be elected.  This is why democracy has never worked because it is the rule by the majority.

(and according to Joseph Farah)

It pains me when I hear President Bush and so many others talk about the need to spread democracy around the world.

America's founders knew what a rotten and corrupt system of government democracy was and did everything in their power to ensure our country would never become one.

Why is democracy rotten and corrupt?

"A democracy cannot exist as a permanent form of government. It can only exist until the voters discover that they can vote themselves largesse from the public treasury. From that moment on, the majority always votes for the candidates promising the most benefits from the public treasury with the result that a democracy always collapses over loose fiscal policy, always followed by a dictatorship. The average age of the world's greatest civilizations has been 200 years.

"Great nations rise and fall. The people go from bondage to spiritual truth, to great courage, from courage to liberty, from liberty to abundance, from abundance to selfishness, from selfishness to complacency, from complacency to apathy, from apathy to dependence, from dependence back again to bondage."

Even though no one is certain who first spoke or penned this statement, truer words were never uttered.

(nobody knows where the statement came from?)

from wikianswers

The truth is that despite their frequent use, the above text actually has its origins in two separate and independent quotes, and the author of the first half is, to date, unknown. With regard to the first quoted paragraph, the Library of Congress' Respectfully Quoted writes, "Attributed to ALEXANDER FRASER TYTLER, LORD WOODHOUSELEE. Unverified." The quote, however, appears in no published work of Tytler's.

And with regard to the second, the same book says "Author unknown. Attributed to Benjamin Disraeli. Unverified."

Looking further down the google search results, it is apparent that the above wikianswer was writtten by Loren Collins.

Frequently, "Why Democracies Fail" is quoted alongside "Fatal Sequence," often as a single passage attributed to Professor Tytler/Tyler. But all indications point to the two having separate origins. Firstly, unlike "WDF," "Fatal Sequence" is attributed to a wide variety of authors. In addition to Tytler/Tyler or Anonymous, I have seen the quote credited to Benjamin Disraeli (1804-1881), Arnold Toynbee (1889-1975), Ezra Taft Benson (1899-1994), Davis Paschall (1911-2001), Bernard Weatherill (1920-present) and Robert Muntzel (?-?). Secondly, while I have tracked both quotes back to the mid-20th century, the first instance I have found of them used together was in 1979.

But the person who appears to be the actual author of this passage is none of the men named above. They were not born from the mouth or pen of a political leader or historian or famous author. Rather, they would seem to be the words of Henning Webb Prentis, Jr., President of the Armstrong Cork Company.

... These facts lead me to suspect that these quotes were probably coined by separate individuals in the first half of the twentieth century, and I'm comfortable in concluding that Henning W. Prentis, Jr. is the author of the Fatal Sequence, unless further earlier evidence comes forward. In the original version of this article, when the evidence was inconclusive as to the author of either quote, I wrote that the authors of each half were most likely not famous persons or respected scholars, but rather just private political thinkers who got their words in print, and whose words then happened to strike a chord in others. The identification of Mr. Prentis as the author of FS bolsters this interpretation; the Fatal Sequence was not coined by a political figure or noted historian, but rather the president of a cork company. The passage of time merely encouraged quoters to attach an author's name that strengthened the authority behind the words.

And that is where the vice of misattribution lies. Perhaps the words speak the truth of democratic governments; or perhaps they do not. But either way, attributing the words to a scholar who never spoke them is to lend to them an authority and reliability that they do not deserve. Quotations should not be given fictitious attributions merely to lend credence to the messages they impart. To do so is to favor persuasiveness over accuracy, and to sacrifice truth for the sake of image.