Saturday, 19 of May of 2012

Healthcare, critical thinking: defining YOUR issue

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The foundation to good critical thinking is coming to grips with the issue at hand. Saying that “the system is broke” is meaningless until you define system and all of its components. To rail against “Obamacare” is meaningless unless you can explain what you mean by Obamacare. So, what’s the issue?

I’ve been reading T.R. Reid’s excellent overview of healthcare, The Healing of America, wherein he compares healthcare in Germany, France, Japan, the U.K., Canada, and the United States and his framework is very instructive for considering “the issue” about healthcare. His framework is composed of four factors: coverage, quality, cost, and choice. With just these four words, you can start to better define some of the many issues.

  • For the 30 to 45 million uninsured, it really is all about coverage. However, for the business owner coverage means added cost.
  • For the well-to-do, or the retired person pondering Medicare Part D, it may be about choice so as to maximize benefits. However, for the insurance company with a near lock on a state, choice is the last thing they want.
  • I want to know exactly how much an operation is going to cost, but my doctor has no way of knowing until after the fact!
  • All of us want “the best” but someone (“not me”) has to pay for it.
  • And on, and on, and on.

And here is the nasty part of trying to define “the issue.” We can be pretty sure that some blend of the four factors is going to change. We just don’t know what the blend will be.  So what is a healthcare executive to do? As I said in response to an earlier post comment, the answer is not to stand still and react after-the-fact.

Whether you are a hospital exec, an insurance exec, a doctor, an employer, a supplier or an individual the issues are explored and defined by knowing what is in your control and what is not and then determining what it will take to remain viable as the system changes. Here are some hypothetical responses to possible futures of healthcare. Consider the plight of a hospital exec if…….

  • Universal coverage is enacted – How much will ER capacity and staffing go down if patients see docs earlier?
  • Electronic medical records are legislated to improve quality – How many older docs will take retirement rather than make the change?
  • Patients can choose from hundreds of insurance funds – How many billing clerks will have to be added unless standardized forms are used.

You get the picture. We know the system will change. We don’t exactly know what will change. It’s a human tendency to wait – but that may be too late.

OK, I’m not foolish enough to think that healthcare executives are reading this blog. So let’s make it personal. MY issue with healthcare is simple – since my wife and I are on an individual policy and can be dropped or priced-out if either of us dare to get too sick, our actions are to exercise and eat healthy and hope Medicare is there in a couple of years. It’s my responsibility to stay out of the system, because I know I can’t afford to get sick. Depressing, but true.

See if you can define YOUR issue with healthcare. They say that all politics are local, and nothing gets more “local” than health. Consider Reid’s factors of coverage, quality, cost and choice.


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Brad ShorrNo Gravatar

in September 16th, 2009 @ 07:11

Hi Bill, My issues are similar to yours. In addition, being self insured means that family members and I cannot get coverage for certain preexisting conditions. To me this is Kafkaesque – no medical coverage for the problems most likely to cause medical problems. The cost is burdensome as well. These types of issues drive people away from entrepreneurship – it’s certainly an option I’ve considered – which is a shame. Entrepreneurs strengthen the economy and are great innovators.
.-= Brad Shorr´s last blog ..Against Happiness, by Eric G. Wilson, Book Review =-.


Fred H SchlegelNo Gravatar

in September 17th, 2009 @ 14:20

Does the book cover France pretty well? I just heard that France and Germany have a private system with regulated not-for-profit insurance and do not have the issues uncovered and coverage denial that we have here. It seems to not come up much in the debate.
.-= Fred H Schlegel´s last blog ..The Power Of “What Can I Do?” and Puppies Behind Bars =-.


Bill WelterNo Gravatar

in September 17th, 2009 @ 16:14

I guess I’m lucky that I didn’t realize how tenuous my financial situation was when I was younger and just going into business for myself. And since neither the conservatives nor the liberals like the current proposal by Max it must have some good stuff in it. I’d just like to know that I’ll have insurance for another 18 months. You, young man, have more riding on this than I do.


Bill WelterNo Gravatar

in September 17th, 2009 @ 16:18

Fred,
the book does a very good job of describing HC in France, Germany, Japan, UK, and Canada. By and large, the rest of the world has done a decent job (not perfect) of creating HC system that works for the population. Our politicians are too busy fighting each other to worry about the citizenry. The more I read the angrier I get.