Following is a letter I wrote to my South Carolina Representative and Senators:
Dear
All of the health care bills that are being considered create multiple bureaucracies, greatly increase reporting requirements, and generally increase administrative costs to all providers. Congress is basically trying to reduce what providers can charge while, at every level, greatly increasing their operational costs.
I read a 1998 CBO study that named the three largest contributors to increasing health care cost as: technology, administrative costs, and malpractice insurance. We don’t want to stifle new technologies, which leaves tort reform, and reducing reporting and administrative burdens as the best ways to reduce costs.
A large part of the admin burden comes from health care being tied to employers. As health care costs increase, companies begin changing plans every year, trying to find the cheapest one. As every plan has different negotiated terms with providers; doctors, hospitals and other providers have to hire multiple employees (and pay their benefits) to figure out and process all the claims.
Another part of the admin burden is created by the maze of government programs. Providers need to hire trained personnel to interpret and process the myriad rules, regulations and reporting requirements.
I know that our legislators and government officials live in a bureaucratic sea, which they probably don’t think about, any more than fish in the ocean think about the water in which they swim. However, those of us in private industry don’t have a bevy of clerks, paid for by the taxpayers, to interpret, manage and create all the paperwork mandated for us. We have to do it ourselves, at a great loss of productive time, or we have to pay someone to do it.
The massive increase in new programs, rules and regulations, layered over old programs will do to the Health Care System what “No Child Left Behind” did to education. That is, it will so burden the health care providers that many will retire early, or otherwise leave the profession, just as many teachers have. We don’t want our doctors and teachers spending all their time grappling with red tape; we want them doctoring and teaching.
Please look for simple, market based solutions, like Qliance in Seattle. Please consider the fact that the government and health insurance providers themselves are part of the problem. Please look to Mississippi, Missouri, Texas and California for tort reform solutions. Please, if there are billions of dollars of fraud and waste in Medicare and Medicaid, solve those problems first. This is the true responsibility of government.
As for the 10 to 17 million uninsured American citizens, we can figure out how to give them excellent care without spending trillions.
Please do not create a huge, government takeover, boondoggle plan that will destroy our country while it rewards special interests at the expense of the elderly, minorities and disadvantaged it purports to help.
On behalf of your Constituents:
Thursday, September 24, 2009
Monday, September 7, 2009
WHAT I DO AND DO'T WANT TO SEE IN A HEALTH CARE REFORM BILL
The following ideas have all been discussed by so many sources, I do not know who originated them, and therefore to whom to credit them. However, they seem good to me.
1. Language to the effect that any “Comparative Effectiveness” Information will be advisory only. No rationing.
2. Allow Health Insurance companies to compete Nationwide.
3. No mandates to Health Insurance companies, without changing restrictions that limit their ability to be competitive.
4. No price fixing.
5. Language that excludes illegal immigrants from free health insurance. (Immigration reform is a whole other issue that we have to solve.)
6. Tort reform – Just cap punitive damages!
7. Make sure the bill is “revenue neutral” for the States as well as the Federal budget.
8. Allow the insurance to be separated from employers while, at the same time, allowing individuals, small businesses and other self insurers to take part in large pools in order to lower their costs.
9. No extra audits on self insurers.
10. No employer mandate.
11. Encourage groups of providers, like Qliance in Seattle, who will provide basic care at much lower prices, in exchange for not filing for payment through health insurance. Perhaps with tax breaks. Remove laws that prohibit them setting their prices lower than a preset minimum.
12. Allow insurance companies to provide policies that cover major medical or catastrophic care only, not basic care.
13. Expand HSA’s, and allow them to remain active indefinitely, with no penalties. Perhaps even allow them to move unused funds from an HSA to an IRA after age 65. This way, families could use HSA savings for basic care, and purchase catastrophic insurance as described in number 10. This would also cut down on elective and unessential procedures, since people will think twice when they have to pay. This could also be an option for Medicare recipients, for their supplemental policies, or Medicare Advantage plans.
14. No Gateway or Exchange with Government strings attached. I would rather trust The Better Business Bureau, Insurance agents, recommendations from customers and health care providers or even the Internet to find insurance.
15. For those with pre-existing conditions, allow high risk pools.
16. For those who still cannot afford health care insurance, expand Medicaid, perhaps on a sliding scale. Right now, there are 10 to 17 million legal residents, who want coverage, but can’t afford it. In 2008 Congress spent 17.2 billion on earmarks, defending the practice by saying that this amount is miniscule compared to the overall budget, only a very small percentage. With this “miniscule” amount, they could have given $1,000 to each of the above toward insurance. With 170 billion, they could have each been given $10,000. Clearly, we can take care of these people without a new multi- trillion dollar entitlement!
17. If people choose to accept an Employer Group Plan and then leave their job, make sure they have the option to keep their insurance with the plan’s provider, at an individual rate, with no increases for “preconditions”.
18. Give doctors and Hospitals tax incentives to maintain free clinics for the poor.
19. Give wealthy taxpayers back the charitable contributions tax deduction for donations to these clinics and other providers giving free care.
20. Give persons who purchase individual health insurance a tax deduction similar to that given to employers who offer group health insurance to their employees.
21. NO FEDERAL HEALTH BOARD!
22. NO PUBLIC OPTION! NO TRIGGER!
Like most Americans, I believe that, if we put our heads together, we can solve most of the health care problems without further bankrupting the country, or trampling on the people’s rights.
1. Language to the effect that any “Comparative Effectiveness” Information will be advisory only. No rationing.
2. Allow Health Insurance companies to compete Nationwide.
3. No mandates to Health Insurance companies, without changing restrictions that limit their ability to be competitive.
4. No price fixing.
5. Language that excludes illegal immigrants from free health insurance. (Immigration reform is a whole other issue that we have to solve.)
6. Tort reform – Just cap punitive damages!
7. Make sure the bill is “revenue neutral” for the States as well as the Federal budget.
8. Allow the insurance to be separated from employers while, at the same time, allowing individuals, small businesses and other self insurers to take part in large pools in order to lower their costs.
9. No extra audits on self insurers.
10. No employer mandate.
11. Encourage groups of providers, like Qliance in Seattle, who will provide basic care at much lower prices, in exchange for not filing for payment through health insurance. Perhaps with tax breaks. Remove laws that prohibit them setting their prices lower than a preset minimum.
12. Allow insurance companies to provide policies that cover major medical or catastrophic care only, not basic care.
13. Expand HSA’s, and allow them to remain active indefinitely, with no penalties. Perhaps even allow them to move unused funds from an HSA to an IRA after age 65. This way, families could use HSA savings for basic care, and purchase catastrophic insurance as described in number 10. This would also cut down on elective and unessential procedures, since people will think twice when they have to pay. This could also be an option for Medicare recipients, for their supplemental policies, or Medicare Advantage plans.
14. No Gateway or Exchange with Government strings attached. I would rather trust The Better Business Bureau, Insurance agents, recommendations from customers and health care providers or even the Internet to find insurance.
15. For those with pre-existing conditions, allow high risk pools.
16. For those who still cannot afford health care insurance, expand Medicaid, perhaps on a sliding scale. Right now, there are 10 to 17 million legal residents, who want coverage, but can’t afford it. In 2008 Congress spent 17.2 billion on earmarks, defending the practice by saying that this amount is miniscule compared to the overall budget, only a very small percentage. With this “miniscule” amount, they could have given $1,000 to each of the above toward insurance. With 170 billion, they could have each been given $10,000. Clearly, we can take care of these people without a new multi- trillion dollar entitlement!
17. If people choose to accept an Employer Group Plan and then leave their job, make sure they have the option to keep their insurance with the plan’s provider, at an individual rate, with no increases for “preconditions”.
18. Give doctors and Hospitals tax incentives to maintain free clinics for the poor.
19. Give wealthy taxpayers back the charitable contributions tax deduction for donations to these clinics and other providers giving free care.
20. Give persons who purchase individual health insurance a tax deduction similar to that given to employers who offer group health insurance to their employees.
21. NO FEDERAL HEALTH BOARD!
22. NO PUBLIC OPTION! NO TRIGGER!
Like most Americans, I believe that, if we put our heads together, we can solve most of the health care problems without further bankrupting the country, or trampling on the people’s rights.
Friday, September 4, 2009
IDEAS FOR SIGNS
1.Speaker Pelosi, if you believe that “Drowning out opposing views is simply un-American”, why do you keep trying to do it?
2.Congress, what guarantee can you give that you will not steal the money from the Health Care Trust Funds as you did from the Medicare and Social Security Funds?
3.The definition of insanity is continuing to do the same thing but expecting a different result. You can’t spend your way out of debt!
4.Sometimes you just have to say NO!
5.Homemade signs =Homemade anger!
6.I’m for affordable Health Care that’s available to everyone and doesn’t bankrupt the country. That’s why I am against Obamacare.
7.Where the government controls everything, the people are slaves.
8.If you allow the government to take over every aspect of your life, you will be a slave, no matter what color you are.
9.When a million dollars equals one yen, who will have health care?
10.Al-Qaeda beheads people and I’m the Terrorist?
11.Freedom of Speech means you have to put up with opposing views. NO FAIRNESS DOCTRINE, NO LOCALISM, NO DIVERSITY!
12.It’s the Constitution Stupid!
13.It’s Congress that needs fundamental change!
14.Why are special interest groups running our government?
15.I’m angry because I read the bills!
16.My Guru is Charles Krauthammer.
17.Overspending, over borrowing, and risky investments crashed our economy.
Now we call these things “stimulus”.
18.When the theater is burning, you have to yell “FIRE!”
19.It's not wealth Obama is distributing. It's debt.
20.Our freedom depends on the media reporting ALL the news.
21.In a Federal Republic, the Feds should have to beg money from the States, not the other way around.
22.Who will pay taxes when all the taxpayers are bankrupt?
2.Congress, what guarantee can you give that you will not steal the money from the Health Care Trust Funds as you did from the Medicare and Social Security Funds?
3.The definition of insanity is continuing to do the same thing but expecting a different result. You can’t spend your way out of debt!
4.Sometimes you just have to say NO!
5.Homemade signs =Homemade anger!
6.I’m for affordable Health Care that’s available to everyone and doesn’t bankrupt the country. That’s why I am against Obamacare.
7.Where the government controls everything, the people are slaves.
8.If you allow the government to take over every aspect of your life, you will be a slave, no matter what color you are.
9.When a million dollars equals one yen, who will have health care?
10.Al-Qaeda beheads people and I’m the Terrorist?
11.Freedom of Speech means you have to put up with opposing views. NO FAIRNESS DOCTRINE, NO LOCALISM, NO DIVERSITY!
12.It’s the Constitution Stupid!
13.It’s Congress that needs fundamental change!
14.Why are special interest groups running our government?
15.I’m angry because I read the bills!
16.My Guru is Charles Krauthammer.
17.Overspending, over borrowing, and risky investments crashed our economy.
Now we call these things “stimulus”.
18.When the theater is burning, you have to yell “FIRE!”
19.It's not wealth Obama is distributing. It's debt.
20.Our freedom depends on the media reporting ALL the news.
21.In a Federal Republic, the Feds should have to beg money from the States, not the other way around.
22.Who will pay taxes when all the taxpayers are bankrupt?
ANALYSIS OF HR 3200 HEALTH CARE REFORM BILL
As for HR 3200, there is a lot that is “not in the bill”. No death panels to kill your Grannies. No mandate for coverage of illegal immigrants. No rationing. However there is also nothing in the bill to preclude these things.
There is a lot about what private insurers must cover, and about price controls on all sorts of providers.
There is a Health Exchange which will greatly increase the already skyrocketing administrative costs for Health Care Providers and therefore their fees.
There are also multiple new bureaucracies created at local, state, and national levels, as well as councils and committees, all under the control of the Executive Branch. Lots of committees, and councils, and other groups are created to study and disseminate “comparative effectiveness” information, as well as to decide what areas will qualify for extra help or all sorts.
There are lots of clinics and jobs for nurses and doctors to expand health care in under served areas, as well as lots of study grants for medical personnel at all levels.
This is a huge jobs creation bill, probably thousands in every state. Unfortunately they are all government jobs, which, however much good you believe they might do, will be a drain on the economy. The Feds will mostly fund this boondoggle for two years, and then it will become a burden on the States, who will have to impose lots more taxes. It goes without saying that Federal taxes will also have to go up exponentially.
Otherwise this bill is like most of the bills passed under the current Administration; it gives authority to councils and committees, and authorizes lots of money, but then basically says “details will follow”. Who would sign such a contract? I hope not Congress!
Note: The Senate bill is almost as bad. Just because the “public option” is removed doesn’t mean it is a good bill. If the regulations in the bill result in forcing insurance companies to substantially raise their costs, people will be driven to demanding a single payer system after all. The "Gateway" idea is much the same as the Health Exchange, and has the same problems.
There is a lot about what private insurers must cover, and about price controls on all sorts of providers.
There is a Health Exchange which will greatly increase the already skyrocketing administrative costs for Health Care Providers and therefore their fees.
There are also multiple new bureaucracies created at local, state, and national levels, as well as councils and committees, all under the control of the Executive Branch. Lots of committees, and councils, and other groups are created to study and disseminate “comparative effectiveness” information, as well as to decide what areas will qualify for extra help or all sorts.
There are lots of clinics and jobs for nurses and doctors to expand health care in under served areas, as well as lots of study grants for medical personnel at all levels.
This is a huge jobs creation bill, probably thousands in every state. Unfortunately they are all government jobs, which, however much good you believe they might do, will be a drain on the economy. The Feds will mostly fund this boondoggle for two years, and then it will become a burden on the States, who will have to impose lots more taxes. It goes without saying that Federal taxes will also have to go up exponentially.
Otherwise this bill is like most of the bills passed under the current Administration; it gives authority to councils and committees, and authorizes lots of money, but then basically says “details will follow”. Who would sign such a contract? I hope not Congress!
Note: The Senate bill is almost as bad. Just because the “public option” is removed doesn’t mean it is a good bill. If the regulations in the bill result in forcing insurance companies to substantially raise their costs, people will be driven to demanding a single payer system after all. The "Gateway" idea is much the same as the Health Exchange, and has the same problems.
Monday, August 31, 2009
THE TAKEOVER OF AMERICA CONTINUES
Currently, there is a lot of furor in the media over Eric Holden’s decision to pursue the investigation of alleged prisoner abuse by CIA agents during the Bush Administration. However, I believe there is an even more sinister meaning for this move.
The Obama Administration is gradually bypassing all the checks and balances in our government (not to mention ignoring the Constitution). He is appointing czars, rather than Cabinet Officials, and moving power and control to the Executive Branch, while weakening our traditional institutions. I believe that the hoopla about the supposed “torture” is simply a smoke screen.
Obama already has his own military which was created within AmeriCorps, under the GIVE Act. This Act authorizes AmeriCorps, at the President’s command, to deploy the “National Service Reserve Corps” anywhere in the US; even though that would be a direct violation of States rights. Now, with the excuse of preventing further abuse, he has created his own “new, special terrorism-era interrogation unit"1.
“The High-Value Detainee Interrogation Group, or HIG will be headquartered at the FBI and overseen by the National Security Council, which puts the White House firmly in charge. Interrogation had previously been the province of the CIA and the military.”2
Given that some members of Congress have called Tea Party Protesters “Terrorists”, and I am a Tea Party Protester, I find this worrisome.
1.“Obama spokesman announces interrogation unit “By Delvin Barrett, Associated Press, Monday, August 24, 2009
http://www.sdnn.com/sandiego/2009-08-24/news/obama-spokesman-announces-interrogation-unit
2. “New Unit to Question Key Terror Suspects”, By Anne E. Kornblut, Washington Post Staff Writer , Monday, August 24, 2009
http://www.washingtonpost.com
The Obama Administration is gradually bypassing all the checks and balances in our government (not to mention ignoring the Constitution). He is appointing czars, rather than Cabinet Officials, and moving power and control to the Executive Branch, while weakening our traditional institutions. I believe that the hoopla about the supposed “torture” is simply a smoke screen.
Obama already has his own military which was created within AmeriCorps, under the GIVE Act. This Act authorizes AmeriCorps, at the President’s command, to deploy the “National Service Reserve Corps” anywhere in the US; even though that would be a direct violation of States rights. Now, with the excuse of preventing further abuse, he has created his own “new, special terrorism-era interrogation unit"1.
“The High-Value Detainee Interrogation Group, or HIG will be headquartered at the FBI and overseen by the National Security Council, which puts the White House firmly in charge. Interrogation had previously been the province of the CIA and the military.”2
Given that some members of Congress have called Tea Party Protesters “Terrorists”, and I am a Tea Party Protester, I find this worrisome.
1.“Obama spokesman announces interrogation unit “By Delvin Barrett, Associated Press, Monday, August 24, 2009
http://www.sdnn.com/sandiego/2009-08-24/news/obama-spokesman-announces-interrogation-unit
2. “New Unit to Question Key Terror Suspects”, By Anne E. Kornblut, Washington Post Staff Writer , Monday, August 24, 2009
http://www.washingtonpost.com
Saturday, August 8, 2009
OBAMA'S NATIONAL POLICE FORCE
In July of 2008, while Obama was still campaigning for the Presidency, he made the following astounding statement; "We cannot continue to rely on our military in order to achieve the national security objectives we've set. We've got to have a civilian national security force that's just as powerful, just as strong, just as well-funded." See http://www.youtube.com/watch?v=Tt2yGzHfy7s
Within the "National Civilian Community Corps, there is an actual military force established. It is called the "National Service Reserve Corps". (See Part II, Section 198H of the GIVE Act.) This force is to be made up former military and Veterans or, in other words, people who already have military training. This could include Regular Military, Special Forces, Navy Seals, SWAT or etc.
The force is like the National Guard in that they will be in reserve until called, and there are provisions to fund them, provide travel arrangements, living stipends, housing, and insurance. The money will be put into a fund, and any not used in the current year can be held in the fund for later years, and be used for "out of pocket" expenses. One presumes the money will also be used to equip them as needed.
The Secretary of Veterans Affairs, the Secretary of Defense, and other government entities are instructed to inform veterans, who are recently discharged, released, or separated from the Armed Forces, about the National Service Reserve Corps. This should insure that this force will grow fairly rapidly. It is modest now but, like many of the bills that the current Administration has passed, a framework is in place that can be augmented later.
The scariest part is that, unlike the National Guard, the National Service Reserve Corps only answers to AmeriCorps which answers to the President. There is nothing in the bill to stop them from being deployed in any State, with or without the permission of that State, neatly circumventing State's Rights and the Constitution. They are ostensibly for a rapid response to National Disasters, but the Act says "disasters or emergencies" and "emergency" is not defined anywhere in the bill.
Have we just created a national secret police, similar to Germany's SS Troops?
What is to stop the President from declaring Martial Law and deploying this force against whoever he pleases? Or, if not this President, a later one?
**See Part II, Section 198H of the GIVE Act
Within the "National Civilian Community Corps, there is an actual military force established. It is called the "National Service Reserve Corps". (See Part II, Section 198H of the GIVE Act.) This force is to be made up former military and Veterans or, in other words, people who already have military training. This could include Regular Military, Special Forces, Navy Seals, SWAT or etc.
The force is like the National Guard in that they will be in reserve until called, and there are provisions to fund them, provide travel arrangements, living stipends, housing, and insurance. The money will be put into a fund, and any not used in the current year can be held in the fund for later years, and be used for "out of pocket" expenses. One presumes the money will also be used to equip them as needed.
The Secretary of Veterans Affairs, the Secretary of Defense, and other government entities are instructed to inform veterans, who are recently discharged, released, or separated from the Armed Forces, about the National Service Reserve Corps. This should insure that this force will grow fairly rapidly. It is modest now but, like many of the bills that the current Administration has passed, a framework is in place that can be augmented later.
The scariest part is that, unlike the National Guard, the National Service Reserve Corps only answers to AmeriCorps which answers to the President. There is nothing in the bill to stop them from being deployed in any State, with or without the permission of that State, neatly circumventing State's Rights and the Constitution. They are ostensibly for a rapid response to National Disasters, but the Act says "disasters or emergencies" and "emergency" is not defined anywhere in the bill.
Have we just created a national secret police, similar to Germany's SS Troops?
What is to stop the President from declaring Martial Law and deploying this force against whoever he pleases? Or, if not this President, a later one?
**See Part II, Section 198H of the GIVE Act
Thursday, July 23, 2009
HEALTH CARE COST SOLUTIONS
HEALTH CARE COST SOLUTIONS
Following is a list of solutions to the Health Care System that have been proposed by different Conservatives, and health care professionals. They have been mentioned by so many, that I do not remember where I first heard them. Note that none of these solutions involve a government single payer system. Here is what I have so far:
1.Expand HSA’s and allow them to be portable, and to be saved over long periods of time.
2.Tort Reform!!!!*
3.Allow Doctors to charge much less for routine care when they do not have to file for insurance payments. Then Health Insurance will be needed only for catastrophic care. (Example: Qliance in Seattle)**
4.Make Insurance Companies compete nationwide (ie. give option to buy individual or group insurance from companies nationwide).
5.Disconnect health insurance from jobs. Allow people to shop for their own best deal. Allow young, healthy people to buy individual insurance at low rates; then keep it over time no matter who they work for, as they do now with life insurance.
6.If people choose to accept an Employer Group Plan and then leave their job, make sure they have the option to keep their insurance with the plan’s provider, at an individual rate, with no increases for “preconditions”.
7.Eliminate voluntarily uninsured, temporarily uninsured, and illegal aliens from the uninsured statistic (Leaves about 10 to 17 million). Then we can look at ways to help this core group.***
8.Give doctors and Hospitals tax incentives to maintain free clinics for poor.
9.Give back the charitable contributions tax deduction for donations to these clinics.
10.Demand that any “Public Plan” mandated by Congress will apply to them as well.
11.On a gradual scale, increase the age of eligibility for Medicare for anyone who is 60 or less similarly to what has been done for Social Security.
12.Allow Medicare recipients the option of carrying only catastrophic health insurance and allow Doctors to charge them less for the routine care, as above.
13.Vigorously investigate and prosecute fraud.
14.Allow self insurers ie. individuals, medium and small businesses, to group together in pools in order to get lower group rates.
15.Give persons who purchase individual health insurance a tax deduction similar to that given to employers who offer group health insurance to their employees.
*The cost of malpractice insurance, plus the practice of “defensive medicine” is a huge cause of the increased cost.
**I believe another large part of the increasing cost of health care is the huge administrative cost of health insurance to Doctors and Hospitals. I remember when no-one had health insurance and the vast majority of the population could afford to go to the doctor, and to go to the hospital to have a baby, or an appendix or etc. removed.
***I had said that it is Un-American to require people who don't want it, to carry health insurance. However, many have pointed out to me that we require licensed drivers to carry insurance. I'm thinking about this.
Following is a list of solutions to the Health Care System that have been proposed by different Conservatives, and health care professionals. They have been mentioned by so many, that I do not remember where I first heard them. Note that none of these solutions involve a government single payer system. Here is what I have so far:
1.Expand HSA’s and allow them to be portable, and to be saved over long periods of time.
2.Tort Reform!!!!*
3.Allow Doctors to charge much less for routine care when they do not have to file for insurance payments. Then Health Insurance will be needed only for catastrophic care. (Example: Qliance in Seattle)**
4.Make Insurance Companies compete nationwide (ie. give option to buy individual or group insurance from companies nationwide).
5.Disconnect health insurance from jobs. Allow people to shop for their own best deal. Allow young, healthy people to buy individual insurance at low rates; then keep it over time no matter who they work for, as they do now with life insurance.
6.If people choose to accept an Employer Group Plan and then leave their job, make sure they have the option to keep their insurance with the plan’s provider, at an individual rate, with no increases for “preconditions”.
7.Eliminate voluntarily uninsured, temporarily uninsured, and illegal aliens from the uninsured statistic (Leaves about 10 to 17 million). Then we can look at ways to help this core group.***
8.Give doctors and Hospitals tax incentives to maintain free clinics for poor.
9.Give back the charitable contributions tax deduction for donations to these clinics.
10.Demand that any “Public Plan” mandated by Congress will apply to them as well.
11.On a gradual scale, increase the age of eligibility for Medicare for anyone who is 60 or less similarly to what has been done for Social Security.
12.Allow Medicare recipients the option of carrying only catastrophic health insurance and allow Doctors to charge them less for the routine care, as above.
13.Vigorously investigate and prosecute fraud.
14.Allow self insurers ie. individuals, medium and small businesses, to group together in pools in order to get lower group rates.
15.Give persons who purchase individual health insurance a tax deduction similar to that given to employers who offer group health insurance to their employees.
*The cost of malpractice insurance, plus the practice of “defensive medicine” is a huge cause of the increased cost.
**I believe another large part of the increasing cost of health care is the huge administrative cost of health insurance to Doctors and Hospitals. I remember when no-one had health insurance and the vast majority of the population could afford to go to the doctor, and to go to the hospital to have a baby, or an appendix or etc. removed.
***I had said that it is Un-American to require people who don't want it, to carry health insurance. However, many have pointed out to me that we require licensed drivers to carry insurance. I'm thinking about this.
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