It's More Than Just a Living Will

The Cost of Health Care

J P Whickson
There has been some question after I wrote my article entitled "Saving Cost on Health Care" on whether the health care bill of the House of Representatives contains nothing more than some counseling for seniors to encourage them to get their documents in order and prepare a living will. The sections that I gleaned my information from are available for anyone to read. Simply go here and you'll find the entire House bill. If you want to look at the Senate bill go here.

To break the bill down so you can decide for yourself, I've provided a list of items (not the complete list) that I object to in the bill. All references are to the House Bill.

House Bill Page 425 to 428 This section indeed is telling what the mandatory counseling involves. There is nothing wrong with counseling on living wills and making decisions on steps to take and quality of life. It is a vital process we need to face as we get older even more so than someone of fewer years.

Notice on House Bill page 428 starting at line 20, even though the counseling is completed once, it's mandatory every 5 years. How many times do you need to decide the steps to take? It becomes particularly disturbing when you look at the top of page 429 and notice that if you're ill then it's required again as many times as necessary. Does this mean, that the counseling continues until the right decision, the one the government employee believes correct, is reached? By the way, the counselors are NOT doctors and may not even have medical training. They are employees of the government, the same entity that is paying for the treatment. Include in this the fact that because of the expense of this bill, Medicare will be cut by 10% (Even though there's 30% more seniors soon to be on the plan) you begin to see why the seniors are requested to reconsider how badly they want to live. Are you starting to get suspicious yet?

Continue down page 429 and you'll notice that the order to sustain life has to be signed by a physician. Today, you have to have notarized documents to show that you don't want hydration, antibiotics or nutrition, here the document to receive those items must be signed.

House Bill Page 442 Shared decision making. At first you thought you got to make the entire decision on whether you live or die, but this section says, that's just not true. It's a collaborative decision. There is absolutely no wording that says the patient has the final say in the decision. Without this wording, the wishes of the patient can be taken into consideration and like a parent taking their child's wishes into consideration, the final decision is still theirs. In this case, the theirs refers to the government agent.

Other Considerations

You keep your own plan. Not true. You keep your own plan until there's any change in the plan such as deductible, benefits or other changes you see each year when the new plan comes out. This is true of both personal and work plans. (HB page 16-17)

You'll have a penalty if you can't prove you have health insurance. The bill requires that all people be able to show proof of health insurance or pay a fine when they pay taxes. (HB page 167-168)

While you must pay and show proof of insurance, non-resident aliens do not have to and yet can receive services according to other bills. (HB page 170)

There is not wording that gives the right to make decisions for health care to the individual receiving the care. Without this wording we are turning our very lives over to interested parties, parties that see only $$ rather than situations. You may think that personal decision in the matter is meant and now that may be true but what about the future. Unless your rights are in black and white, you have NONE! Even then, they're still up to a judges interpretation.

Published by J P Whickson

I was financial planner, stockbroker and insurance representative from 1979 until my retirement in 2007. I taught school and remain permanently licensed, have modeled, and now write. I have several articles...  View profile

13 Comments

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  • LarrWayne1/7/2011

    To Michael S. What is AARP going to do, get out the ammo and say don't issue deadly pain pills to the elderly?

  • Linda Louise Johnson8/14/2009

    Im going to put a link to your article on a comment on my fishy article. You have a good grasp of this bill and have seen things most of us haven't. And because you give page and line people can check it out. This is excellent work.

  • Sheryl Young8/4/2009

    The order to sustain life has to be signed by a physician - yes, you're right this is a complete turnaround from having a living will that states YOUR desires. Of course, it's already happened with Terri Schiavo.

  • J P Whickson8/4/2009

    First of all read the bill before you remark. Counseling is manditory!!! Secondly, don't give me that crap about insurance companies not telling people about living wills. I sold insurance and investments for close to 30 years and gently brought up wills, living wills and etc. on the second interview. I even provided the form for clients to create them. READ THE BILL YOURSELF. Don't jibble jabble about what other people say. Read it. From your remarks its hard to tell whether you're for or against the bill. On one hand you call others fear mongering and peuke up garbage about insurance companies millionare doctors and AARP and on the other you say it's ineffective. This so called non reform (your words) costs billions and takes from the Medicare money of the elderly. That alone should scare you.

  • Michael Segers8/4/2009

    The counseling is not mandatory. Providing payment for it is. Today, the MDs (millionaire doctors) and the parasitic HMOs and insurance companies do not provide for such services. I doubt the AARP is going to stand by for senior citizens to be abused, and they have put out a press release about Betsy McCaughey's fear-mondering - http://www.aarp.org/aarp/presscenter/pressrelease/articles/mccaughey_statement.html
    See the Associated Press's overview of this and other disinformation about the bill, which does so little that it shouldn't even be called reform -
    http://hosted.ap.org/dynamic/stories/U/US_HEALTH_CARE_FACT_CHECK?SITE=ORBAK&SECTION=HOME&TEMPLATE=DEFAULT

  • Branwen668/3/2009

    I concur with Shirley... Scary stuff... Thanks for the illuminating analysis!

  • Shirley Mandel8/2/2009

    Scary. I do hope that my very elderly parents will have comfortably passed on due to natural causes before they get the things organized. Me? I'm a goner if this thing passes. I invite you to read my editoral on the subject from another angle. Also do read some of my inspirational poetry. Perhaps that will make you feel a little more hopeful.

  • Mary E. Coe7/31/2009

    This is all very interesting reading. Very informative.

  • freakmamma7/31/2009

    Another great article!

  • Charlotte Kuchinsky7/31/2009

    Great breakdown and accurate portrayal.

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