Are Free Market Forces Good for Healthcare?

Posted on October 8, 2013 by admin

Contrary to popular belief, the problems with the American Health Care System are not the result of market forces run amok. In fact, just the opposite is true. The American health care system languishes because the forces of the free market are unable to exert their influence. Imagine, if you will, how our free market system would look if it functioned like our health care system.

Imagine that you are sitting at home, watching television, and something feels out of sync. You can’t put your finger on what it is you are feeling but it is nagging at you and keeping you out of sorts. After a few days, the problem seems to be worsening and you are really beginning to worry. Finally, you pick up the phone and place a call to your local retail professional and make an appointment.

On the appointed day you arrive at your local mall or shopping center and you describe your symptoms to your retail professional. Your retail professional listens intently, asks a few questions, and then diagnoses your problem and offers a treatment protocol to make you feel better. Your retail professional tells you that the problem is that your home entertainment system is not meeting your minimum daily requirements. As a solution, your retail professional tells you that what you need is a new home entertainment system with state-of-the-art technology.

Now, it just so happens that you retail professional has the perfect home entertainment system to sell to you and guess what? It’s covered by your retail insurance policy. In checking your benefits it turns out that you’ve already satisfied your deductible so your insurance is going to cover eighty percent of the total cost of your new system.

What your retail professional may not explain to you is that your home entertainment system exceeds the usual and customary charges for such items so the insurance is not going cover your retail professional’s full cost. She’s not worried, however, because there are a number of accessories she can sell to you that are covered and these will more than make up for the difference.

I know this sounds a little silly, but think about how our free market economy would work if the merchants with whom we do business would decide for us what we need and how much we are going to pay, and that we would be happy to accept their decisions without question because our insurance is going to pay for the merchandise, anyway. This is exactly how the healthcare system works today and we wonder why costs continue to rise at or above the rate of the Consumer Price Index.
The problem with the American health care system is not that doctors make too much money, the problem is that the incentives in healtcare reward the wrong behavior. The problem is not that health insurance companies, managed care, Medicare or Medicaid absorb huge chunks of our health care dollar, the problem is that these entities exist at all.

Think about it for a moment. If we really want to provide universal health care what value do health insurance, managed care, Medicare and Medicaid contribute? Don’t these entities exist to restrict access to care to only those who are eligible for coverage? Don’t these entities exist to limit care to only those services that are covered by our schedule of benefits and for which we have paid?

If we want to provide comprehensive health care to all Americans we have to change the way we think about our health care system. There is a solution but it resides outside the boundaries of conventional thinking.

Visit my website atwww.melhawkinsandassociates.com and check out my book, Radical Surgery: Reconstructing the American Health Care System. In fact, tell all of your friends about it.

Another “5 Star” Review for Light and Transient Causes, by Mel Hawkins

Posted on October 5, 2013 by admin

This “5 Star” review was posted on Amazon.com on 10/5/13

This is a superb book. Set in the near future in the USA, or maybe the Disunited States would be more apt, the author shows just how easy it is to turn a civilized tolerant nation into a fascist dictatorship in no time at all. Just two presidencies after Obama, the authorities are rounding up ethnic minorities, and shipping them off to who knows where. Well observed, and not at all far fetched, it’s only too easy to imagine this happening. The central characters are very well written and the dialogue flows smoothly. You actually want to know what happens next. Mel Hawkins has done a splendid job in juggling all the twists, turns and complications of this very believable novel. I think that this is his first work of fiction (Amazon don’t have any others) but what a start! Books like this don’t come along very often so if you’ve read this far in the reviews, you can stop now and just buy it. You won’t be disappointed.

Obamacare aka the Affordable Care Act Mis-Named!

Posted on October 4, 2013 by admin

The Affordable Care Act, affectionately or not so affectionately called Obamacare has been misnamed. It should have been called the Affordable Health Insurance Act because it addresses the issues of healthcare, only indirectly.

What Obamacare does is allow people to purchase health insurance coverage for themselves and their families. “Allow” is not the right word, however, as the law is set up with penalties for families who do not enroll in a health insurance plan within a designated time frame.

The types of health insurance coverage that will be available to people will vary as each individual or family will be shopping for coverage that seems to best fit their unique requirements.

The ACA also asks health insurance providers to incur more risk by eliminating provisions like pre-existing conditions. Apparently, it is a trade off for being assured of getting more business.

We admire the sentiment of the act, which was intended to reduce the number of Americans who are uninsured and, therefor, not able to get the medical or hospital care that they need.The logic is somewhat confounding, however.

Rather than make health care available to all Americans as a right of citizenship, as so many other nations have done, it was decided to require everyone to have health insurance. How they arrived at the next logical conclusion, which was to penalize people who are unwilling or who think themselves unable to pay for the now more readily available coverage, is somewhat of a mystery.

The problem with Obamacare is that it will commit our nation to a future in which we are tied to the health insurance industry. Almost certainly, the people of other developed nations must be shaking their heads in bewilderment at those crazy Americans. I’m sure they must be asking themselves why we think it a good idea to do business with a middle man who only adds cost and complexity to the process of delivering needed healthcare to people.

It is hard to come up with a comparison that illustrates the absurdity of the concept but here’s an example that at least comes close.

Earlier I used the example of fire protection for citizens and asked the reader to imagine a scenario where the fire department pulls up to your burning home and asks to see your fire insurance card before they will turn on their hoses.

In most communities in the U.S., people have determined that everyone deserves fire protection and that the community will pay for that protection with tax dollars.

I have heard of a few communities where citizens are asked to pay a direct fee for fire protection. Now imagine that, in these latter communities, a problem has developed because not everyone is willing to or can afford to pay the fee for their fire protection. This theoretical community could decide to solve the problem the way most American communities have, by paying for fire protection with local tax dollars even if this initially requires an increase in property tax rates, the adoption of some type of local option income tax, or even some type of earmarked sales tax. Whatever the method of taxation, these communities have made fire protection a right of citizenship.

Now, lets consider that there is another community that still requires individual property owners to pay a separate fee for fire protection and that this community is also concerned that not everyone seems willing to pay for fire protection. The leaders of this community are not willing, however, to make fire protection a right of citizenship in their community.

Instead, someone comes up with the idea that requires insurance companies to provide at least a minimal level of fire protection coverage, no matter what the condition of individual properties, and also requires all citizens to purchase fire protection insurance coverage or pay a penalty.

Now, it is difficult to imagine that any community would choose such an approach because common sense would dictate that it will almost certainly cost more to pay a middle man for fire protection insurance than it would be to pay for it directly, through tax revenue. After all, the middle man has to cover their operating costs and, because we live in a free market society, make a profit.

Why is it that so many Americans seem so wrapped up in their daily activities and challenges that they are unable to step back and think about what they are doing and why?

Review of Reinventing Education, Hope, and the American Dream

Posted on October 3, 2013 by admin

Reinventing Education, Hope, and the American Dream, by Mel Hawkins

A Review, by Ron Flickinger

I just finished reading the current draft of Mr. Mel Hawkins book, Reinventing Education, Hope, and the American Dream: The Challenge for 21st Century America, and have decided that it is something, particularly Part I, that should be read by a wide variety of audiences. In general, on a scale of one to ten, I would consider American Education (not Public Education as Mr. Hawkins identifies it) to be no more than a two. If totally implemented, Mr. Hawkins recommendations would move it up to at least an “Eight”. . . . his well-researched suggestions would advance our culture by light years.

Chapter 6 entitled, “The Role of Culture” was one of the best, well-written/easily read overviews of the impact of the culture wars on the preparation of our young I have ever read. Not sure that there is anything new in this, but it is so comprehensive, yet so concise that the words literally jumped off the page at me.

This is the first author I think I have ever read who finally attacked the evil of compulsory education. His rationale for moving compulsory education to the age of 14 would, I think, be justification enough to get rid of it completely and put the choice of providing state-sponsored education fully in the hands of parents when their children reach whichever arbitrary age seems most appropriate. Compulsory education is a complete contradiction and it’s about time someone attacked it. We value the things we choose, not the things fostered upon us in an arbitrary and hap-hazard manner. Hats off to this author for so clearly bringing this out.

Every school staff should read chapter 1 and 2 and use them to evaluate their programs and attitudes toward young people and learning.

The other tremendous positive is Mr. Hawkins point-blank, simple attack on the ridiculous system of placing young people in grade levels based upon age. In my entire professional life, I have never found any study which supports this. Every learning theorist I ever read gives a wide variance in brain/social/background readiness for every academic objective in every grade level. If learning were the true goal of schools, common sense would tell us to evaluate current status and build from there. This book is extremely clear on this point and the very fact that few places do this, public or private, shows the resistance to reality American educators embrace.

I share this author’s vision that all work is honorable and all humans are uniquely designed to function in ways that benefit the entire society. The student who likes to tinker with machines and is not at all interested in literature should not be held in less esteem at school than the lit student. The larger social system will value some skills more than others and will obviously pay more for those skills, but the culture has to find a way to communicate to its young that the guy that gets your plumbing right enhances the quality of your life just as much as the mayor of your city.

Educators continue to embrace the elitist notion that academic success is the end-all, do-all for financial, social, and emotional success. Any reform of American education must include respect for all God’s children, not the 20 percent who happen to intuitively respond to academic activities.

Ron Flickinger
Career & Technical Education Consultant
Fort Wayne, IN

The Acts of a Faction of Elected Officials Places Democratic Principles at Risk!

Posted on October 1, 2013 by admin

Forget, for a moment, how you feel about the Affordable Care Act (we should call it the Affordable Health Insurance Act but that is a discussion for another time). Forget about what you think about the national debt, government spending, entitlements for the disadvantaged, national defense, public education, or protecting the environment. All of these issues are important, to be sure, but not one is anywhere near as important as what you think about the principles of democracy in a world where powerful men and women can force a government shutdown to get what they want.
The principles of democracy are based upon the premise that our government is a government of the people, for the people, and by the people. It is based on the principle that the American people exercise their precious right to vote and that the majority vote prevails. And let us not get distracted, here, by the fact that because so many Americans fail to exercise the right to vote that very often it is the will of a plurality rather than of a majority that prevails. The point is that important decisions are supposed be made by American citizens, in a ballot booth, or by our elected representatives in a roll call vote in their respective houses of Congress.
The underlying premise of the Constitution of the United States, which may be the most important political document written in the history of mankind, was to prevent the powerful from usurping the will of the people just because they have the power to do so. The Constitution was meant to protect the American people from despotism under any guise, even in the disguise of elected officials who strive to exert their will when they disagree with a decision that was lawfully and constitutionally determined. Make no mistake; forcing a government shutdown is an act of despotism.
The acts of a single faction of one of our two main political parties in shutting down the federal government, leaving millions of American citizens injured in their wake, is no more appropriate than it would be if our military decided that they do not like how the elected government went about its business. It is just as wrong as it would be if our generals and admirals would use the incredible power of Armed Services of the United States to coerce our elected representatives into giving them the decision that they want.
The issue, today, is not how we feel about the budget, the ACA, or the federal deficit; it is about how we feel about our elected representatives forcing a government shutdown with total disregard for democratic principles.
Imagine a future in which the tactics displayed, today, by a political minority became the accepted way of conducting the business of the people. How long will our right to vote matter in a world in which powerful men and women can disregard the voice of the people and use coercion to get what they want?

Build Strength and Independence Not Weakness and Dependence!

Posted on September 26, 2013 by admin

Whenever I give positive leadership seminars there are a number of recurring questions. One of the most common is “How do I get my people to accept responsibility for getting things done when I can’t be there to watch over them?” I love this question because its answer addresses some of the most common mistakes of managers and supervisors, irrespective of venue.

The answer to this seemingly inevitable questions is, simply, “If you want people to accept responsibility when you are away, teach them to accept responsibility when you are there.”

Many leaders are surprised to learn that they create dependencies as a result of their leadership approach. Our objective as leaders should always be to develop a staff of men and women who are strong and independent rather than weak and dependent. One of the ways to accomplish this objective is to teach and coach rather than to tell and do.

When issues arise in the midst of the game, when the pressure of time is upon us, it is easy for leaders to step in and solve problems and take action. In doing this we have, indeed, resolved the issue but we have, unwittingly, taught the lesson that only managers and supervisors cans solve problems, resolve issues, take action, and make things happen. The result, of course, is that the next time an issue arises, people stop and wait for their manager or supervisor to swoop in with a solution.

What positive leaders do, on the other hand, is teach their people how to solve problems and take action on their own. This can be accomplished only if we have created an environment in which people are expected to take initiative and in which there are minimal fears of making mistakes.

This approach is just another facet of delegating to people. Remember that the absolute best leaders are nearly invisible because they are seldom required to get involved in routine operational problem-solving. This is also one of the reasons why the best leaders are the most creative and innovative. They spend their time looking for opportunities to expand the boundaries of conventional wisdom.

The best leaders also spend significant chunks of their time giving support and feedback to their people. They are committed to the ongoing development of each of their employees. It is amazing how easy it becomes for people to respond positively to constructive feedback and to rise to ever-increasing expectations when they have come to view their supervisor as a coach and mentor rather than as a critic and task master. When people have also been given opportunities to learn new skills, gain new experiences, and are invited to participate routinely in the innovation process, true magic begins to happen.

Powerful positive leaders not only preside over a team of people who accept responsibility on their own but they also have men and women who look relentlessly for continuous improvement opportunities without being asked or prompted. Such expectations and the resulting behavior have become internalized as part of the culture.

One of the other managerial/supervisory behaviors that contribute to creating dependencies is the preservation of one’s own stature as the most skilled, knowledgeable, and competent person in the department.

Most supervisors are promoted, after all, on the basis of their technical competency. As soon as you are appointed to a leadership role, however, the supervisor’s purpose shifts. As a leader, our job is to help each of our people become the most knowledgeable, competent, and productive people of which they are capable. When some of those individual’s have surpassed the competency of their supervisors, then leadership excellence has been achieved.

Remember that, as a leader, your job is not to demonstrate how great you are rather it is to teach your people how great they can be.

Consequences of our Action: No One to Blame but Ourselves

Posted on September 24, 2013 by admin

Imagine that you are an employer and economic conditions have required you to cut back wherever possible. Some of you reading this won’t have to try very hard to imagine such a scenario.

Imagine how your employees would feel if your response to the need for belt-tightening was to freeze wage rates or possibly even cut wages and benefits. On the benefit side, imagine that you dropped health insurance coverage for your employees and their families and that you suspended all travel and training programs, much of which had been offered to help your employees qualify for opportunities for advancement within you company.

It is reasonable to expect that your employees would be disappointed, at the very least, and we can be certain that some would be angry and resentful. During hard times, however, people understand that sacrifices must be made and the majority of your people would not lose their trust and respect for their employer or for you and your leadership.

Now, let us add a new variable to the equation. Let us assume that the members of the management team have not been asked to make corresponding sacrifices, even in this difficult economy. Imagine, in fact, that your management team is still eligible for the same salary increases and bonuses that were common when times were good. Imagine also, that the management team got to keep their executive health package and that they routinely attend training programs, seminars, and conferences in many locations around the U.S. and the world.
How would these factors affect the morale of your employees not to mention their loyalty to their company and its leadership team? Would they still be willing to endure the sacrifices they have been asked to make? Would they still be committed to the long-term best interests of your organization?

We all know, at least at an intellectual level, that such decisions on the part of management would have huge consequences with respect to their ongoing relationship with their people. No doubt many would begin looking for new opportunities.

Now, let us take a step back and think about the current reality about the way the federal government, particularly Congress and the executive branch, treat the American people at the low end of the economic continuum.

Whether these Americans are minimally employed, unemployed, on welfare or disability, depend on Medicaid or Medicare, or are on a fixed retirement income that depends almost totally on Social Security; every time the government feels the need to reduce spending it is the people in this group that are asked to take the hit. How do you think these people feel when Congress refuses to even consider asking the wealthy to pay a little more in taxes.

These Americans cannot get decent healthcare for their families, ObamaCare not with-standing, while they read about the extravagant health plan that Congress creates for themselves and their families. They also read that virtually every other developed nation on the planet considers healthcare to be a right of citizenship and provides comprehensive healthcare and prescription drugs for their people.
In the interim the poor, the unemployed, and the underemployed citizens of what is considered to be the richest and most powerful nation in the history of the world are asked to believe in an American dream that is little more than illusion to them.

These people are told to take advantage of the opportunities of this great nation and that an education is the ticket to the American dream. What these American know to be true is that getting a good education is a myth when they are asked to send their kids off to public schools that have embarrassing failure rates and that seem to chew their children up and spit them out.

As a result, these Americans no longer believe in the American dream and they no longer teach their children that the dream exists. Neither do they teach their children that getting an education is important and something for which they should work hard and make sacrifices. Not surprisingly, the children of these Americans arrive at their first day of school with precious little motivation to learn and are poorly prepared to succeed. Rather than accept responsibility as a partner with their children’s teachers and principals for the educational success of their children, these mothers and fathers look at school as a form of free day care that keeps the kids out of the house for eight hours a day, five days a week.

They see an educational process that is focused on failure. When their children struggle to understand their lessons, rather than take extra time to make sure their kids understand, they see their children pushed prematurely from one lesson to the next by teachers who do not seem to care. The result is that their children fall further and further behind until they are so hopelessly lost that they give up on themselves. They begin to lose all hope that they can catch up with their classmates and they learn quickly that the surest way not to suffer the humiliation of failure is to avoid participation. The rest of us sit back in indignation, clueless to the dynamics of this reality.

The parents of these children understand what their children are feeling because it is the very same thing they felt when they were still in school. As a result they refuse to cooperate with their children’s teachers because they view those teachers as adversaries and as tellers of lies; as so-called professionals who simply cannot be trusted to do what is best for their children.

As this cycle of failure repeats itself semester after semester and year after year, why do we seem surprised that these children grow up and give birth to a whole new generation of children who are reared in an atmosphere of hopelessness and powerlessness.

Other Americans become frustrated with these people because they rarely exercise their right to vote and seem unwilling to accept the responsibilities of citizenship. We cannot quite comprehend that these Americans feel this way because they have absolutely no faith that their voices make a difference. As a result these men and women are effectively disenfranchised. They feel hopeless and powerless to control the outcomes in their own lives and in the lives of their children.

The rest of us point the finger at these Americans, never fully comprehending that the reality in which these Americans live and endure is one that exists solely as a consequence of our own actions; of the decisions and policies of people who view themselves as leaders of the free world.

As we have pointed out in earlier posts, we are fast approaching a tipping point in which mainstream Americans can no longer bear the weight of the poor, the uneducated, the hopeless, the powerless, and the disenfranchised. As we sit by in our blissful ignorance and self-righteousness, that tipping point is rushing at us at the speed of desperation.

Light and Transient Causes by Mel Hawkins, “. . . best book I’ve read this year.”

Posted on September 22, 2013 by admin

Official Review: Light and Transient Causes by Mel Hawkins
Post Number:#1 Postby Bookworm_82 » 11 Sep 2013, 20:44

[Following is the official OnlineBookClub.org review of “Light and Transient Causes” by Mel Hawkins.]

“Light and Transient Causes” is a fiction book of about 360 pages in length. It comes across as a thriller, however I found myself unable to put it down. The best book I have read this year. I was riveted by the way all the actors were introduced and woven into the story without falling short of any details or suspense. Absolutely, hands down, knock your off your socks book to keep you wanting to read more.

The book is set in “present day” plus a few years, the author chooses to open the book in 202x, with the “x” being up to the readers imagination. The U.S. Government has begun to cleanse the American population of minority races. Indianapolis is chosen as a test project by the newly installed “Military Governor of Indiana,” and the action begins right from the beginning of the book all the way to the last sentence. The scary thing was the references to present day people (President Obama) and the events that have taken place (Invasion of Iraq, Policy on Israel, etc.) to make me feel like this “could” happen, but felt good knowing that it was fiction.

If I had to improve one thing, it would be plot development. The book starts medium paced, however, it wasn’t clear why certain actors and scenes were introduced, because as the book went along, they never fully developed. It wasn’t until midway through the book did I realize that the focus was on the “battle of Indianapolis” which took up the majority of the action. The author could have cut out the beginning portion and focuses specifically on the battle scenes.

If you want to read a thriller that has a lot of battle scenes straight out of a war novel, than I would recommend this book. I give the book 4 out of 4 stars. It is worth reading for both fiction and non-fiction readers. I am more of a non-fiction, war novel type reader, so that is why I feel this book was so good. I have read many war novels that fell short with the battle scenes; this book was right on the money.

If there was one thing that I would change, it would be the title of the book. “Light and Transient Causes” should be re-titled something with a modern day revolution twist to it. I would recommend something like, “The War Within,” but no matter the title it is a great book!

***
Buy “Light and Transient Causes” on Amazon

The Kids Are at their Games Again!

Posted on September 20, 2013 by admin

Yes, we all know we need to get people off of Food Stamps!

Yes, even though it is the law of the land we know the Affordable Care Act, affectionately or not so affectionately known as ObamaCare, is a bad solution that will only make the system worse and drive up costs because of its reliance on the health insurance industry.

But, why do we continue to play the same games. Rather than put our heads together in recognition that our country is in trouble and because we need to find some new solutions that will actually work, we play like two kids on the beach who cannot get along. Rather than build something beautiful, together, we devote all of our energy to tearing down the other guy or gal’s sand castle.

On the beach, the only consequence of such child’s play is that parents have a source of frustrated amusement that Bob and Sally can’t play together.

In the real world, at the seats of power of the United States of America, such games hurt people who can least afford to be hurt and bring us no closer to meaningful solutions.

When we use ObamaCare as leverage to try to win budget concessions in an attempt to reduce federal spending, we create a stalemate that will eventually lead to a government shut down or sequester that will take money out of the pockets of hard-working Americans and benefits away from the unfortunate who have no way to make up the difference.
Of greater long-term consequence is the fact that such stalemates and painful cuts only deepen the resentment of the disenfranchised who have already become embittered; they are citizens who no longer believe in the American dream and who have become hopeless, and feel powerless to change the outcomes in their lives.

As long as this population of the disenfranchised continues to grow, the burden that must be carried by the rest of us will only grow with no end in sight. Somehow, rather than push them further away from mainstream America we need, desperately, to find a way to pull these people back in as productive citizens who can help us face the challenges of an uncertain and rather frightening future.

When are we going to find positive leaders who can find a way to set aside their differences and work together to find solutions to the enormously difficult challenges confronting us? When will someone say “enough!” and begin working to pull people to the table to do the important work of our government?

Our elected officials in both the executive and legislative branches of our government have become trapped in their daily work that they have forgotten to step back and look at the panorama. The only thing they know is attack and destroy what their opponents want to accomplish and to remain committed to fruitless process of incremental change in dealing with monumental challenges; challenges that cannot be overcome incrementally.

For those of you who are reading these words, you are not powerless. Provide some positive leadership and begin expressing you concerns directly to your elected officials. Tell them what you think. Just as importantly, encourage the people you know to roll up their sleeves and share in the work.

The clock is ticking and when the tipping point is reached there will be no second chances.