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Mon Apr 9 23:21:54 BST 2007

One missing note in this social Darwinian dialogue is that a well done
study found that the only valid connection between personal bankruptcy
and income was the amount of personal injury protection (auto insurance)
required by each state. Example, HI and TN:  same average income (poor)
are nearly polar opposites in bankruptcy rates.  HI having a $50k PIP
and TN having almost $0.  Duh! for trauma centers and small businesses.
The most common causes of homelessness and bankruptcy are medical bills,
loss of jobs (thank NAFTA), and divorce.  Nearly 50% of homeless are
families with children and 30% are Vietnam vets.   (So much for
supporting our troops).   

Medicare has overhead of 2-4% depending on the state's FI whereas health
insurance overhead (and CEO bonuses) take 25-50% of every healthcare
dollar.  Medicare is not allowed to obtain drug discounts that the VA
and private insurers have negotiated for years. 

As the spouse of a high-spinal injured trauma patient and the "queen of
insurance appeals" - 70 to date and not one lost, I will attest to
anyone that Medicare is a godsend and insurance companies are exact
opposite. Blaming the poor for their condition is scapegoating of the
worst kind.  

Connie Potter, RN, MBA
. 

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