I sent the following note to Cong. Paul Ryan-
I will support any health care plan that will:
* Restore a friendship. A few years ago, I loaned a friend (without health insurance) several hundred dollars so his fiance (without health insurance) could receive medical treatment. Finally, I was tapped out financially, and after declining his requests for more help; we haven’t spoken since.
* Treat a child with Crohn’s disease. This child is home-schooled by mom. Dad works full time with no health insurance. I have this disease; and saddened thinking of what this family is going through.
* Health insurance for graduating college students. Too many students are terminated from their parents’ health insurance shortly after receiving their diplomas. On top of whatever education debt they may have, they are facing the possibility of financial ruin if a medical disaster occurs and have no coverage.
The health care challenge is personal. The solution- provide health care for everyone in the United States.
Chet
The congressman’s response:
Dear Chet:
Thank you for contacting me to express your concerns about our health care system. I appreciate you taking the time to let me know your views on this important issue.
The call for fundamental health care reform has never been so loud and as necessary as it is right now. The third-party-payer model that serves as a framework for the financial underpinnings of our existing health care system no longer meets the needs of patients, doctors, hospitals, and governments. It has undermined the doctor-patient relationship and removed individuals from the decision-making process. Transforming America’s fractured and antiquated health care system demands wholesale and fundamental reform.
Unfortunately, Congress has gotten off to the wrong start. The recently passed American Recovery and Reinvestment Act. H.R.1, does nothing to address the systemic problems affecting existing health programs, such as Medicare and Medicaid, and creates new entitlements that will exacerbate mounting health care costs. Among the bill’s most troubling provisions:
o Increases the Number of Americans Dependent on Federal Health Care – H.R. 1 increases the number of those dependent on the Federal Government for health care by about 8.2 million. Rather than reform a broken health system that handicaps state budgets and denies patients access to medically necessary treatments, such as dental care, this bill promises more of the same while forcing millions more people into one-size-fits-all government run health programs.
o Puts Washington in Control of Health IT – The bill spends $20 billion on a new government-run health information technology program for health care providers, punishing those who have already adopted technology measures and refuses to acknowledge that no consensus has been reached on interoperability standards, the nucleus of any health information technology program. This will stifle the innovation and entrepreneurship that are the envy of other country’s health care systems and allows the government to dictate to both patients and doctors what medical information must be shared and how that information is to be reported.
o Shifts Control of Health Care Decision to the Federal Government – While innovation is the hallmark of the American health care system, H.R.1 provides $1.1 billion for a new “Comparative Effectiveness Research” program. The purpose of this “research” is to allow the Federal Government even more leverage in deciding which medical treatments are worth paying for and which are not. This will inevitably impose government control over physicians’ medical decisions, and cause private-sector insurers to limit coverage in line with the government’s choices – all of which put American health care on the fast-track toward a nationalized health maintenance organization.
This lack of real reform is also reflected in the President’s recently released budget for fiscal year 2010. While I applaud the President’s commitment to health care reform, I have serious concerns about the direction he has chosen. Without providing any specifics, his budget proposes to spend $634 billion on health care of which half is paid for by increasing taxes. Leaving aside the problems that already exist within programs such as Medicare and Medicaid, it is irresponsible to propose massive expansions of deeply flawed government bureaucracies without requiring any reforms in return. I believe in the promise of health care security that Medicare and Medicaid offer and I believe it is Congress’ job to make sure these programs meet that mission. Unfortunately, the President’s proposed budget falls dramatically fall short of that goal.
That is why I have proposed an alternative approach to reforming our health care system. My bill, the Patients’ Choice Act would put patients and doctors in control of health care decisions. It fundamentally changes the mechanics of Medicaid while strengthening the promise of health care and security for all Americans.
The Patient’s Choice Act
Preventing Disease and Promoting Healthier Lifestyles
Each year, five chronic diseases (heart disease, cancer, stroke, chronic obstructive pulmonary disease, and diabetes) cause two/thirds of American deaths; treatment of these largely preventable diseases makes up 75 percent of total health care expenditures. Critical investments in public health and disease prevention will go a long way in restraining health care costs and improving the quality of Americans’ lives. The Patient’s Choice Act of 2009 would:
o Encourage increased coordination of federal prevention efforts and bring long-overdue accountability to these programs
o Require CDC to undertake a national campaign highlighting science-based health promotion strategies
o Equip recipients of Supplemental Nutritional Benefits with easily understandable information about nutritious food options and target the use of food stamps to healthy food choices
o Invest $50 million annually for increased vaccine availability and bonus grants to states that achieve 90 percent or greater coverage of CDC-recommended vaccines
o Provide incentives for states to reduce rates of chronic disease like heart disease and diabetes
Creating Affordable and Accessible Health Insurance Options
Our health care system should be easier to navigate and provide integrated care in a more equitable manner. A vibrant market for health insurance that is consistent and fair will allow all Americans access to health coverage. The Patient’s Choice Act of 2009 would encourage states to establish rational and reasonable consumer protections, including the following:
o Creates State Health Insurance Exchanges to give Americans a one-stop marketplace to compare different health insurance policies and select the one that meets their unique needs
o Gives Americans the same standard health benefits as Members of Congress, so all Americans have a wide range of choices
o Protects the most vulnerable Americans to ensure that no individual would be turned down by a participating Exchange insurers based on age or health
o Creates a non-profit, independent board to risk adjust among participating insurance companies to penalize companies that “cherry pick” health patients and reward insurers that encourage prevention/wellness and cover patients with pre-existing conditions
o Helps States expand coverage through auto-enrollment at state and medical points of service, for individuals who do not select a plan at the beginning of the year
o Gives states the ability to band together in regional pooling arrangements, as well as the creation of robust high risk pools, reinsurance markets, or risk adjustment mechanisms to cover those deemed ‘uninsurable’
Equalizes the Tax Treatment of Health Care, Empowering All Americans with Real Access to Coverage
Economic analysts across the political divide agree that the tax code is stacked in favor of the wealthy and those who get their health coverage through their employers, discriminating against the self-employed, the unemployed, and small businesses. The Patients’ Choice Act of 2009 would restore fairness in the tax code and give every American, regardless of employment status, the ability to purchase health insurance by:
o Providing an advanceable and refundable tax credit of $2,300 per individual or $5,700 per family
o Improving the operation of Health Savings Accounts [HSAs] by allowing health insurance premiums to be paid with HSAs without a tax penalty
o Allowing preventative services to be covered by High Deductible Health Plans
o Increasing the amount of money an HSA owner may annually contribute to their account
Modernizing the Medicaid Benefit and Protecting Medicare Beneficiary Choice
The health security for low-income families and American seniors is threatened by the outdated formulas and exploding costs of Medicaid and Medicare. These vital programs require significant reforms to better balance value for those beneficiaries in greatest need and protection for U.S. taxpayers. The Patients’ Choice Act would make important improvements to both programs without limiting eligibility or benefits by:
o Integrating low-income families with dependent children into higher-quality private plans through direct assistance
o Removing the stigma of Medicaid and providing access to the same coverage options available to all Americans
o Realigning responsibility between federal and state governments in order to better coordinate benefits by requiring the Medicare program to assume Medicaid responsibility of premiums, cost-sharing, and deductibles for low-income seniors
o Rebalancing long-term care services to ensure choice between institutionalized and home-based care
o Empowering Medicare beneficiaries with more choices and more power by reforming Medicare Advantage
o Allowing for the creation of Medicare Accountable Care Organizations that would improve payment to physicians, hospitals, pharmacists, and nurses for demonstrable improvements in quality and patient satisfaction while reducing costs
o Requiring wealthy Medicare beneficiaries to contribute a little more for their care under Medicare Part D
Ensuring Compensation for Injured Patients
Our current legal system does a poor job at compensating patients for medical mistakes in a fair and efficient manner. Instead of nurturing an environment where medical professionals can openly learn from their mistakes, our legal system often forces doctors and patients into contentious courtroom disputes. The Patients’ Choice Act would reform this broken system that helps drive health care costs out of control by:
o Encouraging states to adopt a number of legal alternatives entirely run by the state that would include the establishment of expert medical panels to resolve disputes, creation of health courts, or a combination of both
Establishing Transparency in Health Care Price and Quality
For a vibrant health care market to function properly, patients must know what services cost and who provides the best service. Uniform and reliable measures of reporting quality and price information should be designed by the stakeholders in health care rather than the heavy-hand of government. The Patients’ Choice Act would bring this much needed transparency into the health care market by:
o Creating a Healthcare Services Commission that relies on a public/private partnership to enhance the quality, appropriateness and effectiveness of health care services through the publication and enforcement of quality and price information
o Empowering the private sector – rather than Washington bureaucrats – to set standards on price and quality with the input from all major stakeholders in health care, as well as the general public
o Ensuring that measures of effectiveness keep pace with innovation
I believe this comprehensive approach will provide patients and taxpayers with real solutions to the problems they now face. In the meantime, if you wish to share additional information with me concerning this issue, please feel free to contact me by calling, emailing, writing, or faxing me. Please be advised that mail sent to my Washington office is subject to an additional two-week delay due to increased mail security. I thought you might also be interested in receiving regular updates on what is happening in Congress and the 1st District delivered directly to your e-mail inbox by signing up for my Instant News Updates. To receive the updates, visit my website at http://www.house.gov/ryan and click on the Instant News Updates graphic on the right side of the screen for this free service.
Thank you again for contacting me on this issue. If I can be of further assistance to you regarding this or any other matter, please do not hesitate to contact me. I am always happy to respond and be of service to you.
Sincerely,
Paul Ryan
Serving Wisconsin’s 1st District