As the DNC met to elect a new chairman, attendees admitted that the Democratic Party doesn’t have a message. If they had a message, they don’t know what it would say or to whom it would be delivered. Nor do they have a charismatic leader in the wings who might be able to articulate that message.
Defenders of the health insurance industry reacted to the murder of United Healthcare CEO Brian Thompson in New York by saying that murder and violence are never the answer because there’s always the option of working within the political system to reform a business based on profiting off pain, misery and death of sick Americans. In reality, however, the system does not allow any challenge to the status quo.
The arrest of a suspect in the assassination of UnitedHealthcare CEO Brian Thompson on a street in midtown Manhattan leaves some questions unanswered. But the gleeful reaction to the executive’s slaying leaves nothing subject to interpretation. Many Americans feel that they have been treated so shabbily by the health insurance industry that they despise it and want their leaders to die—and they’ve been willing to say so loudly and publicly.
I’m 61. I can’t recall the demise of any public figure being greeted with as much glee and dark humor, including the killing of Osama bin Laden. Which makes psychological sense. If someone is trying to kill you, you hate them.
Health insurance companies are trying to kill us.
While Americans were shocked and some even traumatized by the 9/11 attacks, most individuals didn’t feel personally threatened, much less harmed, by Al Qaeda. On the other hand an insurer like United, which is reported to deny a whopping 32% of in-network claims, wields the power to overrule doctor’s orders, harass sick people at their most vulnerable and, given the sky-high health costs in this country, put medical treatment—the ultimate non-discretionary expense—out of reach. Rare is the health insurance customer who can’t tell a horror story of being unfairly turned down for reimbursement for a doctor’s visit or procedure, usually after being given the runaround over pre-authorizations, procedural codes, doctors erroneously listed as in network, and other Soviet-style nonsense.
Sometimes health insurers decide that people—people like you—shouldn’t receive life-saving care. Patients die every year due to the health insurance industry’s sinister profit model, which heavily relies upon quotas for automatic and in many cases automated denials.
Even when health insurance works as advertised, it feels like a scam. You pay a monthly premium yet, even when you have a legitimate claim, you probably won’t be able to collect a reimbursement due to high deductibles that can exceed $10,000 a year. Insurers’ online directories of in-network health providers are years out of date; most of the doctors listed no longer accept the company’s insurance (or never did), have moved their practices, or are retired or deceased. “In a 2023 analysis, researchers surveyed nearly 450,000 physicians in the Medicare provider database that appeared in online physician directories for UnitedHealth, Elevance, Cigna, Aetna, and Humana,” Jacobin reported. “They found that only 19 percent had consistent addresses and specialty information across all the directories in which they were found.” (Failing to keep these lists up-to-date is illegal under the 2022 No Surprises Act (NSA), but the federal law is not enforced.)
There ought to be more difference between the experience of being uninsured and paying for insurance.
Health insurance companies create misery that feels intensely personal. The fact that a procedure or medication ordered by your physician, whom you know and has examined you personally, can be overruled by an anonymous individual who has never laid eyes upon you in a completely opaque process can be maddening. Insurers want to make more money and are willing for you and your loved ones to suffer great pain, and perhaps even death, in order to maximize revenues.
“Our role is a critical role, and we make sure that care is safe, appropriate, and is delivered when people need it,” UnitedHealth Group CEO Andrew Witty reassured employees in an internal video following Thompson’s killing. “We guard against the pressures that exist for unsafe care or for unnecessary care to be delivered in a way which makes the whole system too complex and ultimately unsustainable.” He hasn’t learned a thing.
This, of course, is bullshit. Companies like UnitedHealthcare are leeches, a net negative to the patient experience. No one believes they are “guarding” us against any danger whatsoever. They aren’t fighting “complexity;” they are the complexity. They add an additional, unnecessary layer of bureaucracy between sick people and healthcare providers, with only one goal: profits.
The obvious solution is to abolish the medical insurance industry and join the 69% of the world’s population that has some form of universal healthcare. For the foreseeable future, however, massive donations by the health insurance lobby both to Democrats and Republicans make it highly unlikely that something like Medicare For All, popular among voters of both parties, will be enacted anytime soon.
Still, the staggering hatred by health insurance consumers for the current system creates a political opportunity for the politician or party willing to push through three simple reforms to protect health insurance consumers from the industry’s most predatory practices.
First, if a physician is listed as a member of a health insurance company’s network, an insured patient’s experience should be frictionless. In network, no claim for a visit, test, procedure or medication should ever be denied. Pre-authorizations should never be required.
Second, if an insurer believes that one of its network member physicians is overprescribing or otherwise abusing the system, the dispute should be resolved between the insurance company and the doctor. An insurer can sue a rogue doctor, kick them out of their network, whatever, but leave sick patients out of it.
Third, failure to update lists of in-network physicians should inconvenience the insurance company that fails to fulfill its responsibilities and comply with federal law, not those of us who are seeking medical care. We deserve truth in advertising. If an insurer lists a doctor as being in-network on their website or elsewhere, patients should be reimbursed for visiting that doctor under the doctrine.
As President-elect Trump formulates his policies for his second term, I hope that his powerful instinct when it comes to gauging public opinion has taken note of our hatred of the for-profit health insurance industry. Pushing through these three reforms would enjoy bipartisan support and begin to fulfill his pledge to fix the badly-broken American healthcare system.
(Ted Rall (Twitter: @tedrall), the political cartoonist, columnist and graphic novelist, co-hosts the left-vs-right DMZ America podcast with fellow cartoonist Scott Stantis and The TMI Show with political analyst Manila Chan. His latest book, brand-new right now, is the graphic novel 2024: Revisited.)
The murder of United Healthcare CEO Brian Thomas coupled with the overwhelmingly gleeful public reaction thereto has corporate executives at evil companies thinking twice–not about their actions, but upping their personal security.
The DMZ America Podcast’s Ted Rall (on the Left) and Scott Stantis (on the Right) dig into the shooting death of United Healthcare CEO Brian Thompson. Does the misery intrinsic to the profit model of companies like United Healthcare justify violent acts like this in a society where there is little recourse for justice? Or is taking the law into your own hands always inherently wrong? And is there any chance that corporate America might start to rethink its rapacious business practices?
In cancel culture, people who do something offensive find themselves out of work. Shouldn’t it work the other way around too? Why not reward incompetent people with great jobs if it turns out that they are nice outside of work? Or are we just a bunch of negative people?
The Biden Administration would like to increase corporate taxes. Big companies complain that the US has one of the highest corporate tax rates in the world, which is true. What they don’t like to talk about, and it’s also true, is that there are so many loopholes and deductions that they pay some of the lowest taxes in the world. Many large companies like Apple computer pay no taxes at all.
Transgender people often report having felt trapped in a different body gender than their actual identity. There was a “trans racial” NAACP official who identified as African-American though she had no black ancestry. Can transclassism be next in the battle for self identity and the right to live as we feel inside?
I draw cartoons for The Los Angeles Times about issues related to California and the Southland (metro Los Angeles).
This week:
“In 2005 and 2006, patient dumping on L.A.’s skid row grabbed national headlines with images of mentally ill patients in hospital gowns, one holding a colostomy bag, being dropped off in ambulances, taxis and vans,” Richard Winton of The Times remembers. Major hospitals, including Kaiser Permanente, were forced to admit routinely driving indigent patients downtown, dumping them on the sidewalk and speeding off. “Hospitals don’t like dealing with homeless patients, who are often uninsured and sometimes unpleasant to treat. So they literally dump them on the streets of Skid Row, even if the patients come from other places in Los Angeles, and are in no condition to fend for themselves,” “60 Minutes” reported in 2007.
Most people thought the problem had abated since hospitals got slapped with major fines.
Alas, we were wrong.
“In a settlement announced Friday, the 224-bed Beverly Hospital in Montebello agreed to pay $250,000 in civil penalties and legal fees after it was accused of taking a patient by taxi to skid row and leaving her there without making any arrangements with a shelter,” Winton reports.
Charming.
So Los Angeles City Attorney Mike Feuer says he’s going after this miscreants.
Which brings me into the picture. I want to help!
For a hospital like Beverly, a quarter million bucks is a drop in the bucket. It’s cheaper for them to pay the occasional penalty than to give proper care to every patient who walks or rolls through the ER doors. From now on, therefore, I humbly suggest that when cops and homeless shelters come across a case of patient dumping, they take the person to the hospital’s CEO. In Beverly Hospital’s case, that would be Gary Kipp.
I’m guessing that Kipp, with an annual salary of $400,000 that safely ensconces him in the top 1%, has a sweet crib with lots of spare room for sofa surfers. Maybe CEO Kipp can take in some of the nurses he is underpaying and refusing to let unionize, as well.
I draw cartoons for The Los Angeles Times about issues related to California and the Southland (metro Los Angeles).
This week:
The City of Bell is a small blue-collar community in southern L.A. County whose top officials were discovered to be earning the highest municipal salaries in the United States. Six of them, including the former mayor, face multiple counts of misappropriation of public funds, conflict of interest and other corruption charges.
This week, former Assistant Chief Administrator Angela Spaccia was on trial. For a small-time administrator of a hardscrabble town, Spaccia made a killing, her annual income maxing out at $564,000.
That’s more than the President of the United States.
She must miss what was undeniably a very sweet gig. “[In testimony] Spaccia pointed out that although she worked in Bell from 2003 through 2010, there was about a year and a half total when she never showed up to work…during these absences, she acknowledged, she was still paid her full salary. Not only was she never docked a sick or vacation day, she continued accruing more days off,” reports The Times’ Jeff Gottlieb.
Spaccia candidly admitted that her salary for the “last two or three years” was “twice what I needed to be paid.” But defense attorney Harland Braun argued that there was nothing wrong with that. “Everyone’s greedy,” Braun told jurors. “Everyone takes money. There’s no crime in taking too much money. It may be excessive. The issue is whether this is criminal conduct. Ethically, she basically accepted the money, and looking back on it, it looked like it was way too much money and she was also very preoccupied with personal problems, but she recognizes it. How many of you have turned down an excessive raise?”
Like everyone else, I can’t imagine what Spaccia and her co-defendants were thinking back then. Then again, as a contrarian who tries to think outside the box, I see Braun’s point. Maybe there ought to be salary caps on public paychecks, but there weren’t and there aren’t. Self-restraint is voluntary.
Then I got to thinking about pay in the broader context.
Average CEO pay for 2011 and 2012 has run $9.6 million and $9.7 million, respectively — and this was in the middle of a brutal recession that cost millions of Americans their jobs. The average CEO earns 354 times the pay of an average American worker.
When you consider that ratio in other countries like France (104), Australia (93) and Japan (67), it seems pretty obvious that greed is indeed the American way.
