Quote:
Originally Posted by middle-aged mom
Labor shortages following WW2 compelled many employers to offer a hospitalization benefit.
I hear you about the hospital vs poly clinic thing. Makes no sense most births occur in hospitals that tend to be prepared for any trauma or infectious disease.
Having said this, rural healthcare is a global challenge, regardless of public or private insurance.
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not exactly... but close
In 1926, you had Free Market healthcare.
Any person ---
employed or not --- could go to any
hospital and obtain a healthcare plan specifically tailored to the needs of their family and their budget.
That ended in 1933.
The hospitals of the American
Hospital Association ---
not insurance companies --- dictate to you what your needs will be and how much you will pay.
In 1939 the American
Hospital Association now groups hospitals into monopolistic cartels, and institutes the "Out-of-Network" Clause.....
proof no Free Market exists.
By 1942, things were getting difficult. FDR's
Wage & Price Freeze was having a negative effect. Employers told government to get bent and went behind the backs of government to give employees "pay raises" anyway in spite of FDR's freeze on pay raises.
Employers did that by offering to pay for the health plans issued by the monopolistic
hospital cartels.
The FDR Administration and the IRS challenge employers, but the National War Labor Board issues this fateful ruling...
"Amounts paid by an employer on account of premiums on insurance on the life of the employee...may not exceed five per cent of the employee’s annual salary or wages determined without the inclusion of insurance and pension benefits."
Source: War Labor Reports, Reports and Decisions of the National War Labor Board (Washington, D.C.: The Bureau of National Affairs, 4, 1943) LXIV.
Source: Office of Economic Stabilization, Regulations of the Part 4001 Relating to Wages and Salaries, Issued October 27, 1942; amended November 5 and November 30, 1942, Section 4001.1 (h) (2), War Labor Reports 4, XII.
Source: War Labor Reports, Reports and Decisions of the National War Labor Board, Section 1002.8, LXVIII.
With the stroke of pen, the federal government has now set America on a path to disenfranchise Millions of Americans by denying them access to health plan coverage.
In 1946 the American
Hospital Association incorporates the Blue Cross Health Insurance Company -- the first in America. It has monopoly control with a Market Share of >82%. The cornerstone of Blue Cross is the "Out-of-Network" Clause that financially penalizes people for using
hospital that are not members of the American
Hospital Association...more proof of Command Market.
The federal government errs again with the pivotal 1949
In Re: Inland Steel decision by the Supreme Court.
Unions have the right negotiate fringe benefits on behalf of employees
Source:
Inland Steel Co. v. National Labor Relations Board. United Steel Workers Of America, C.I.O., et al. v. National Labor Relations Board; United States Court of Appeals Seventh Circuit.
"...pension and retirement plans constitute part of the subject matter of compulsory collective bargaining under the Act."
September 23, 1948. Writ of Certiorari Granted January 17, 1949.
170 F.2d 247 (1948)
"Following the 1949 Inland Steel decision by the Supreme Court, pensions became a mandatory bargaining topic and the subject of nearly all collective negotiations."
Source:
www.nber.org/chapters/c7131.pdf
That decision moves to further disenfranchise Millions more Americans and deny them access to health plan coverage.
There was one positive thing. The decision signaled that employer based or sponsored health plan coverage was here to stay, and not some passing fad or fancy.
Insurance companies now get into the act, and with a few years, have nearly destroyed all of the Blue Cross' Market Share.
The insurance cost less, provided greater benefits, offered more choices and freedom of choices, including more control over personal health matter and the greatest benefit of all...
...people could profit off of their own health plan coverage.
It allowed lower income Americans to create generational wealth and pass that wealth on, lifting minorities out of the gutter.
The ruling did one more thing....
it helped Organized Crime launder money.
Organized Crime controlled the unions, and used the
union pension plans to launder money. $Billions and $Billions of tax revenues were lost because of the stupidity of your own government.
One more thing.....the American
Hospital Association lobbied all of the State governments for "enabling laws" that allowed the AHA to offer insurance, without being scrutinized and regulated by State insurance commissions or regulators.
That, was even more attractive to Organized Crime....
.laundering money through the American Hospital Association and Blue Cross which were exempted by law from any financial scrutiny.
The positive aspects ended in 1954 with this gem from you government....
"Premiums paid by an employer on policies of group life insurance without cash surrender value covering the lives of his employees, or on policies of group health or accident insurance...do not constitute salary if such premiums are deductible by the employer under Section 23(a) of the IRS Code."
Source: Public Law 83-591, August 16, 1954; Internal Revenue Code of 1954, Section 106. For more information see the 1986 IRS Tax Code.
So.....who can get a $1.5 Million catastrophic/life insurance police and leave $1.15 Million to their family with ZERO medical debt?
No one.....that is no longer an option thanks to the American
Hospital Association and your government.
Then the American
Hospital Association and your government dreamed up this....
"Introduced by various House and Senate sponsors and subject to extensive hearings, the basic framework of part A began to reflect accommodations between the sponsors, the Administration and the American Hospital Association (AHA).
It ranged all the way from principles of institutional reimbursement, which has been pretty thoroughly already worked out in a general way for their own purposes between Blue Cross and the Hospital Association over a period of several years
The American Hospital Association has already nominated the Blue Cross organization for its membership, although some member hospitals will undoubtedly elect out of this arrangement. We have proceeded very far in the development of working arrangements with Blue Cross, although no formal approval as a fiscal intermediary has yet been given them."
Source: Report to Social Security Administration Staff on the Implementation of the Social Security Amendments of 1965, Robert M. Ball Commissioner, November 15, 1965
The US government and the American
Hospital Association collude to disenfranchise Millions of Americans and then try to "fix it" with Medicare.
How heroic that the AHA offers up the Blue Cross to help out the very problem it created.
And then when this botched-abortion gets gangrene, the American
Hospital Association pays Obama $779 Million for the ACA which increases the cost of medical care, instead of making it affordable.
see the problem IS the government
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