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Moore’s “Sicko” Ignores what is Good about Present Healthcare System
WHAT IS A "RISK ADJUSTMENT FACTOR" (RAF)?
Who needs long term disability insurance?
NEWSLETTER 5
Moore’s “Sicko” Ignores what is Good about Present Healthcare System

Michael Moore was in Sacramento on Tuesday to testify before a state Senate committee, lead a rally for universal health care with the California Nurses Association, and, of course, promote his new movie "Sicko," which opens nationwide June 29.

No one would deny that there are serious problems with the American health care system, and Moore's new film eloquently dramatizes the suffering of people caught up in it. There is no doubt that it will jump start the debate over health care reform in America.

Yet it is curiously incomplete.

Moore ignores the positive side of American health care. For all its problems, the United States still provides the highest quality health care in the world. Eighteen of the last 25 winners of the Nobel Prize in medicine are either U.S. citizens or work here. With no price controls, free-market U.S. medicine provides the incentives that lead to innovation breakthroughs in new drugs and other medical technologies.

U.S. companies have developed half of all the major new medicines introduced worldwide over the past 20 years. In fact, Americans have played a key role in 80 percent of the most important medical advances of the past 30 years.

Instead, Moore focuses on life expectancy, suggesting that people in Canada, Britain, France and even Cuba live longer than Americans because of their health care systems. But most experts agree that life expectancies are a poor measure of health care, because they are affected by too many exogenous factors like violent crime, poverty, obesity, tobacco and drug use, and other issues unrelated to a country's health system.

When you compare the outcome for specific diseases like cancer or heart disease, the United States clearly outperforms the rest of the world.

Take prostate cancer, for example. Even though American men are more likely to be diagnosed with prostate cancer than their counterparts in other countries, we are less likely to die of it. Fewer than one out of five American men with prostate cancer will die from it, but a quarter of Canadian men will, and even more ominously, 57 percent of British men and nearly half of French and German men will.

Similar results can be found for other forms of cancer, AIDS and heart disease. When former Italian Prime Minister Silvio Berlusconi needed heart surgery last year, he didn't go to France, Canada, Cuba or even an Italian hospital - he went to the Cleveland Clinic.

As one would expect, Moore frequently refers to the 47 million Americans without health insurance, but fails to point out that most of those are uninsured for only brief periods, or that millions are already eligible for government medical programs but fail to apply.

Moreover, Moore implies that people without health insurance don't receive health care. In reality, most do. Hospitals are legally obligated to provide care regardless of ability to pay, and while physicians do not face the same legal requirements, few are willing to deny treatment because a patient lacks insurance. Treatment for the uninsured may well mean financial hardship, but by and large they do receive care.

On the other hand, Moore overlooks the flaws of national health care systems. He downplays waiting lists in Canada, suggesting they are no more than inconveniences. He interviews apparently healthy Canadians who claim they have no problem getting care.

Somehow, Moore failed to find any of the nearly 800,000 Canadians who are not so lucky. Nor apparently did he have time to interview Canadian Supreme Court Chief Justice Beverly McLachlin, who wrote in a 2005 decision striking down part of Canada's universal care law that many Canadians waiting for treatment suffer chronic pain and that "patients die while on the waiting list."

Similarly, Moore presents a truly funny sequence in which he struggles to find the payment window at a British hospital. But it might not have been so funny if he talked to any of the 850,000 Britons waiting for admission to those hospitals.

Every year, shortages force the British National Health Service to cancel as many as 50,000 operations. Roughly 40 percent of cancer patients never get to see an oncology specialist. Delays in receiving treatment are often so long that nearly 20 percent of colon cancer cases considered treatable when first diagnosed are incurable by the time treatment is finally offered.

The American health care system clearly needs reform. But it would be a shame if Moore's latest piece of propaganda stampedes Americans into sacrificing the quality, choice and freedom that our health care system provides today.

San Jose Mercury News - Jun. 11
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WHAT IS A "RISK ADJUSTMENT FACTOR" (RAF)?

Small group health insurance companies use a Risk Adjustment Factor (RAF) to assess and issue a group's monthly insurance premium. In California, all small group health insurance companies must establish and publish a Standard Rate with the State of California. Standard Rates have a RAF of 1.00. By California law, your health insurance carrier is limited to issuing a small group employer (generally 2-50 employees) a rate no more than 10% below (0.90 RAF) or 10% above (1.10 RAF) their Standard Rate. Group size, pre-existing medical conditions, and the number of COBRA enrollees may affect a group's RAF in California.  

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Who needs long term disability insurance?

Most people typically think of insurance coverage for their home, car or medical needs. However, we forget that what allows us to afford these items is our employment income and without earning potential it would quickly become impossible to maintain your home and provide for your family.  That is why disability insurance is so critical because it protects your income. Physical disabilities can be overcome in the short term with the right care, physician, support and ability to cover your financial needs. 

According to many actuarial studies, during your work years, the chance of being disabled is much greater than the chance of dying. Long term disability (LTD) insurance protects your income against the sudden loss that an accident or illness can bring. If you are unable to work, LTD benefits help replace a portion of your salary.

A serious illness or injury can harm more than your health-it can have an impact on your ability to work and meet your family's living expenses.

Long-term disability income insurance helps you pay living expenses while you are unable to work. A Long Term Disability Insurance Policy will provide assurance that if you become disabled and can no longer perform work in order to earn your income, you will have coverage.

It offers paycheck protection providing cash directly to you for spending on mortgage payments or rent, groceries, utility bills, car payments, or whatever else you choose. A policy also can pay for training or other assistance you may need to return to work.

With disability income insurance, you can avoid depleting the savings you may have accumulated for your children's education or your retirement.  

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