Healthcare Lunacy California Style

We are hearing the term “single payer” pretty often in the connotation of healthcare funding.  What you may not have heard is that California has a bill pending to turn the entire state into a single payer entity with the government of California paying for ALL healthcare for EVERYONE — including illegal immigrants!  The projected cost for California:  $400 Billion per year.  Yes, I know, that is an astronomical figure for spending for an astronomical venture.

How do they plan to pay for it?  It’s actually a pretty simple plan — more taxes, broken down this way:

$200 Billion will be paid with a 15% payroll tax increase;  the other $200 Billion will be drawn from existing local, state, and federal funds.

Needless to say it is very controversial in California as well.  But not controversial like you think.  The state Senate last week passed the bill that now has to go to their House for debate and approval.  But there’s a holdup there.  House Speaker Anthony Rendon killed the bill for this

Bernie Sanders

year even though it sailed through the Senate.  Renton did not mince words:  In a statement, he mentions how the bill “was sent to the Assembly woefully incomplete,” namely that “it does not address many serious issues, such as financing, delivery of care, cost controls, or the realities of needed action by the Trump Administration and voters to make SB 562 a genuine piece of legislation.”  Subsequently Renton has gone into hiding amid constant verbal attacks and demonstrations at his home and office and has received multiple death threats.  Those who are raking him over the coals do not all live in California.  That famous Socialist from the northeast Bernie Sanders has even weighed in.  Bernie Sanders said he was “extremely disappointed” at the Speaker’s action, and prophesied that, “If the great state of California has the courage to take on the greed of the insurance companies and the drug companies, the rest of the country will follow.”

The bill that passed the California Senate, you see, did not address the rather significant detail of how single-payer would be financed. Since the official legislative estimate is that it would boost state health-care costs by $200 billion — which would more than double the state budget — that’s a pretty big omission.  Doubling the state budget and not having a plan to tackle that?  Yes, even though I love much of the state California and have good friends that live there, this proves that old statement that California “is the land of fruits and nuts.”  And most of them work in Sacramento.

Let’s run some quick numbers:

  • Healthcare spending for 2016 in the state was $367 Billion of which the government paid 71%, or $261 Billion  (this according to the UCLA Center for Health Policy Research in their “Health Policy Brief” of August 2016)
  • 2017 year spending numbers are not released yet (for obvious reasons) but are reportedly running much higher than those 2016 numbers

  • Healthcare spending numbers included do NOT include unpaid hospital bills.  Remember:  it is illegal for a hospital to turn away any ill patient who walks into an emergency room.  They get treated for whatever illness for which they arrive at the ER.  We have no recent numbers for those costs, but in 2011 that number was $41.1 Billion.  Hospitals ate that $41.1 Billion, NOT the California government.

Think about this folks:  California is legitimately considering “planning” on spending 1/2 Trillion dollars a year on paying for the treatment and care for anyone who walks into California regardless of citizenship, legal or illegal status, or nationality.  That is crazy enough as it is.  But consider this:  Governor Jerry Brown in his proposed 2017 budget planned for a $1.6 Billion deficit.  Add that number (if it will be accurate) to their $1.3 Trillion debt that already exists.  Pure lunacy!

This is Scary!

You are probably digesting this the same way I am.  I simply cannot believe that are breathing, educated, and reasonable people alive that can somehow reconcile a plan like this.  Unfortunately there are, and they number in the millions.  A bunch of them number among the 535 members of Congress that actually are the ones that could conceivably put together a bill and pass such a bill that could make a program like this actually exist in YOUR life in America.

The Obamacare goal was its failure.  Why would they want it to fail?  It’s simple — follow this scenario:

  1. The Liberal Left in unison passed the Affordable Care Act into law without one person even reading it.
  2. The drafters of the law knew that it was financially nonviable, would lose billions of dollars, and would quickly have to be replaced.
  3. The replacement would have to take healthcare further down the road.  What was “further down the road?”  Single Payer Healthcare.
  4. Obama and the other members of the Liberal Left knew that once “free anything” was given it could never be taken away.  That would certainly assure no possibility of healthcare finance ever finding its way back into the free market system — the only place it could ever work.
  5. Obamacare is dying a quick death.  Single Payer for the Nation is imminent……except —-
  6. HILLARY LOST THE ELECTION!  That was the ultimate plan:  Hillary, who is a single payer Illuminati proponent, has lusted for single payer healthcare for decades and was handpicked to take American healthcare there as President.

So what do we do now?  I don’t know what we “will” do now, but I know what we “should” do now:  go as far back to free market healthcare as possible.  What would that look like?

  • We keep the few things in Obamacare that are really good:  no pre-existing conditions exclusions, children stay longer on parents policy, Medicaid state block grant funding.
  • Insurance companies market and operate healthcare plans universally — no state boundaries.  That will drive insurance costs down dramatically both in cost of policy premiums and procedures.
  • Healthcare providers ALL participate in an adjusted regional fee schedule for every treatment provided to patients.  Medicare has for decades had a fee schedule for this that works really well.  It is regionally skewed:  an MRI cost paid to a New York hospital is higher than an MRI cost paid to a hospital in Longview, Texas.  Why?  the NY actual expense is much higher.  The Medicare Part B fee schedule would work beautifully if adopted for all healthcare providers for all procedures.  It prevents price gouging, the uncertainty of knowing how much treatments will cost the patient. (have you ever priced shopped for teeth cleaning or a series of shots for your kids?)
  • Medical Providers would have to be paid within 45 days of receipt of the correctly coded and documented bill by the Insurance company.  This is a critical piece.  Doctors and other providers have to fight hard now to get paid by insurance companies in a timely fashion and paid accurately.  A fee schedule with a 45-day payment guarantee would allow them the ability to operate their practices smoothly which means better patient care.  I have owned and operated a Medical Reimbursement Management company for 25 years.  We fight the battles for doctors, clinics, hospitals, surgery centers, radiology centers, etc. to get them paid quickly, accurately, and the maximum amount they should receive per patient policy terms.  It is uncanny how difficult it is for medical providers to get paid.  Most doctors never think about those reimbursement issues while spending their fortunes on their education.  But they all have to fight to get paid their entire careers.  With that gone, healthcare in every area would immediately improve dramatically.
  • I have a doctor in my family who has never been sued but pays $100,000 a year in medical malpractice insurance premiums.  Why?  “Ambulance chaser” lawyers.  We MUST have tort reform immediately.  Doctors screw up and make decisions that negatively impact the lives of patients and their families for life — sometimes they even cost patients their lives.  There needs to be reimbursement to those injured for these incidents.  But the reform needs to be adjusted to be just actual verifiable damages instead of the settlements that read like this:  “$25,000 for actual damages, $2 million for pain and suffering.”  This alone would decrease the cost for providers in the nation that some estimate to be as much as 20%.  The problem is attorneys:  most Congressional legislators ARE attorneys.  They look out for their own.

As far as healthcare in the U.S. is concerned, we need to be careful we do nothing that hurts actual healthcare while repairing healthcare finance — the two are totally separate.  America has the best overall healthcare system on Earth.  It is a scary thing to allow Washington bureaucrats to make life and death decisions for the structure of Healthcare.

Unfortunately I see and hear NOTHING from healthcare finance specialists who the government brings into this conversation to fix healthcare finance.  There are doctors in the mix.  But as a whole doctors are not good at finance.  But doctors and others in healthcare are the last to admit they don’t know about finance and to turn it over to specialists.

The American Healthcare System is teetering on the edge of a cliff.  If it is pushed over that cliff into the Healthcare abyss called “Single Payer,” future generations of Americans will never have access to the quality of care Americans have seen in our lifetimes.


ISIS is as of Today no Longer in Mosul

The Ministry of Defense of Iraq has announced Thursday that ISIS terrorists have been eliminated or knocked out of all districts of the city of Mosul, Sky News Arabia reports.

“ISIS no longer has a single district in Mosul. The militants have no choice but to surrender. The IS presence in Iraq has ended forever,” the ministry said as quoted by Sky News Arabia.

Smoke rises from an airstrike during a battle between Iraqi forces and Islamic State militants in western Mosul, Iraq, May 21, 2017
Iraqi PM Abadi: ISIS Admits Defeat By Blowing Up Landmark Mosque in Mosul

Earlier on Thursday, Iraqi government troops captured the 845 year-old Grand al-Nuri Mosque in Mosul from where ISIS proclaimed its self-styled caliphate three years ago.  For more than eight months, the northern city of Mosul served as the de facto capital of ISIS in Iraq.  Following the seizing of the mosque, Iraqi state TV broadcasted a message announcing the “fall of the mythical state,” referring to ISIS.  “Their mythical state has fallen,” Brigadier General Yahya Rasool, an Iraqi military spokesman, told state TV.The ISIS terror group took over Mosul in June 2014, and the operation aimed at liberating the city from terrorists started in October 2016. The eastern part of the city was liberated by Iraqi and US-led coalition forces in late January. A month later, the Iraqi forces began the operation aimed at liberating western Mosul from ISIS.  The US-led coalition of 69 members is conducting airstrikes, ground-based and rocket-propelled artillery fire against the ISIS in Syria and Iraq. Unlike the coalition illegitimate status of operation in Syria, the strikes in Iraq are conducted in support of the Iraqi government.

Watergate is Here

The media feeding frenzy in Washington is almost unparalleled.  Watch any of the Leftist news shows and their programming is non-stop anti-Trump “dump the guy” rhetoric.  I have not in my lifetime seen anything like it.  Watergate is on the tips of every tongue of every Leftist media anchor, analyst, special “expert,” and every Democrat politician they bring on.  It’s about James Comey’s firing; it’s about Russia’s partnership with the Trump Campaign to rig the 2016 election;  it’s about Trump obstructing justice, and on and on.  In the 24 hours after Comey’s termination was announced, there were 190 national stories about the Comey firing that most of included comparisons  to Watergate.  Only 11 stated there was no comparison to Watergate.  Turn to Fox News, and, yes, there are conversations and stories about the Comey firing, but no rabid discussions about Watergate.  What is going on?

      Bob Woodward and Carl Bernstein

Journalists are a funny breed.  I know no other profession in which such a large majority of its workers are so self-centered, so single issue driven, so hell bent on obtaining one thing and one thing only.  What is that one thing?  They spend every second while awake doing anything they think is necessary to give them that journalistic prize:  a Pulitzer.  They each fight incessantly to be the next Bob Woodward or Carl Bernstein.  They each and every one think constantly of that book deal or if Redford will be available to star as them in their blockbuster movie.

What we are witnessing front and center every day and every evening is the   exhibition of narcissism as it has never existed in such concentration in America.  And it’s NOT from Donald Trump.  It’s from the Leftist Media.

Folks, the Russia investigation started 9 months ago.  As I stated two days ago, the largest, most sophisticated investigation departments in existence belong to ABC, NBC, CBS, and CNN and the NY TIMES.  Their reporters, directors, and anchors have all been working 24/7 to find “the” smoking gun or the dirt about someone from the Trump Campaign that proves collusion with the Russians.  Oh they hope it’s President Trump!  If he is personally involved and they find it, their movie and book residuals will propel them to the highest heights in media.  That’s all they think about…that’s all that matters.

What will they do to get “the” story?  Enter Fake News.

Most of us questioned Candidate Trump’s constant barrage of name calling of the media.  We dismissed it as simply being campaign rhetoric.  He began using that verbiage several months into his campaign.  But did you notice how angry he became during his use of it coinciding with his becoming the GOP nominee?  Wonder why it happened then?

Remember I said the Russia FBI investigation began 9 months ago?  It was then that whoever at the Obama White House, the FBI, NSA, CIA, or any other agency started the leaks to the media.  And the media took that as their marching orders to “Dump Trump!”  Obviously, for the first time in U.S. journalistic history, real journalists set aside their code of honesty and integrity and started saying and writing anything that came to mind that would paint Donald Trump in a compromised way.  Remember this:  every source they quoted with damning news was always an “Unnamed Source.”  Why do you think that was?  It was either a totally contrived source, or the leaker when giving the reporter the information stated that he/she could not reveal their source.  In either case, we have seen the death of First Amendment honest journalism in America.  And it was borne to do one thing and one thing only:  Kill Donald Trump.

Investigations continue into the potential collusion between Trump folks and the Russians.  Democrats desperately want these investigations to take a year or two.  If so, they feel strongly they can parlay voters’ questions into retaking the House of Representatives in 2018.  Today I listened as one Democrat Congressman from California said this:  “It is uncontroverted that the Russians impacted the election in 2016 and that they did so to get Donald Trump elected.  What hasn’t been found out yet is exactly what Trump did to facilitate the Russians getting that done.”  He’s from California! Do you know how many Californians there are who don’t read newspapers, watch the news, pay attention to national matters?  Millions!  I say that not to denigrate them but to illustrate the evil that drives Liberal Leftists to do anything to perpetuate their socialist causes.  The truth or righteousness makes NO difference.  It’s all about political expediency as they define it.

Bookmark this post.  There will be multiple times in the next year you will need to “bathe” your mind to wash away the scum you see, hear, and read from Leftist Media and politicians.  Special Prosecutor?  “They had one in Watergate.  That means we need one now!” is their cry.  The difference now:  there was a mountain of criminal evidence uncovered by Woodward and Bernstein in Watergate.  Not only after 9 months is their no evidence of Russians affecting the election, (which means there is no evidence) not a single Intelligence Agency department head or investigator has offered up even a hint that there may be any such evidence in existence!

“You shall know the truth and the truth shall set you free.”  I can’t wait!


From Russia with Love

Will the screaming about Russian interference in the 2016 Presidential election or Russian ties with Donald Trump and his presidential campaign ever stop?  Apparently not.  California Congressman Darrell Issa speaking to HBO’s “Real Time with Bill Maher” on Friday said for an investigation into Russian ties neither Attorney General Jeff Sessions nor a deputy AG, who would both be Trump appointees, should handle such a probe.  There should be a special prosecutor appointed.  Issa said, “Openness and transparency are the best way.”

There are multiple Congressional investigations underway into Russian interference in our government.  The U.S. intelligence committee has concluded that Russia meddled in the 2016 White House race, in which Trump defeated Democrat Hillary Clinton whose campaign was the target of email hacking.  Trump and his campaign staffers have consistently denied any communication at all with any Russian officials.  The President denied a connection of any kind to Russian President Vladimir Putin.

At first blush, most conservative voters probably are incensed at the haughtiness of the California lawmaker and his suggestion.  But wait:  his reasoning for it are not what you think.  And if/when you Google Rep. Issa’s conversation with Bill Mahr you’ll read in every story what I related above.  But what is NOT included in any is the exact reason why Darrell Issa made those comments to the HBO host.  It’s not because of any distrust of the President or belief there was wrongdoing by the him or his campaign staff.  His reason?  “I want this Administration to start off by being without distraction by any outlandish and unsubstantiated claims against it, “he said.  “The previous Administration refused any type of transparency for any of its actions and never allowed any independent investigation into any action of any of its member(s), employees, or appointees.  Under President Obama there was no willingness to allow the American people to get any comfort of the Administration’s honesty or fair dealing.”

Do you wonder why the Media is not reporting that part of Darrell Issa’s statement?  Simple:  that statement by the Congressman does not fit the news landscape they have painted of THIS Administration.  The “Left” Media prefers for Americans to believe there is gross anger and mistrust among all Republicans — those in Congress and those in the Heartland — for President Trump.

At first when I read the Issa story I was angry.  After all, Congressman Darrell Issa had been known as a straight shooter, defender of the Truth as the Chairman of the House Oversight Committee from 2011 to 2015.  He angrily as Chairman attacked all those from the Obama Administration called to testify on multiple issues during those eight years:  issues like government alleged misdeeds at Benghazi and the IRS targeting of Conservative groups in far greater numbers than Liberal groups.  You may remember it was the testimony of IRS Director Lois Lerner before his committee that led to the rash of bad press for the Internal Revenue Service.  His was the most pointed, angry, and demanding cry for Ms. Lerner to resign because of her actions.

But I remember the feelings I dealt with during some of those scandals.  I often wished that President Obama would have set aside his political agenda and picked up the scale of Justice and appointed an independent prosecutor to investigate some of this.  Doing so would have certainly answered all the questions, stopped all the wondering about integrity (or the lack of), charges of dishonesty, lawbreaking, favoritism, and cronyism in the Obama Administration.  And when it did NOT happen, my first thought was, “There must be something there to hide.”  If there was nothing wrong, nothing illegal, no payback by anyone in the Administration, why would they not want that to be known by all?

And so I have changed by mind about an independent prosecutor.  It probably would be wise to begin this Administration with a clean slate.  Yes, there is some evidence (even though we haven’t seen it) that the Russians tried to affect the November election.  But they have been doing so in elections for numerous elections in numerous countries for years –– and may have been doing it in previous U.S. elections.  But there yet is no evidence of their achieving any success in impacting the election.  And even the NY TIMES in their article a week ago claiming there were ties between the Trump Administration/Campaign and the Russians, buried in the article a disclaimer stating there is NO evidence to back up that story.  (I know:  their release of the story without hard evidence of their allegation is simply a journalistic lie, or as President Trump calls it “Fake News.”)

Even though I doubt President Trump can do anything to quell the anger of the Liberal Left Media against him and everything he stands for, appointing an independent prosecutor to look into the charges that there was collusion by his Administration with the Russians would remove an arrow or two from their quiver.  Even if he is exonerated  they will find some or reason for attack — more “Fake News.”  You may remember I warned you several weeks ago that these attacks against the President will last as long as he is in office.

Nothing he can do will stop them or prevent all the Liberal pundits from mounting attack after attack to attempt to de-legitimize his Administration.  But you know what?  That’s part of the job.  Being President has never been easy.  Fortunately for Americans this president was not looking for nor expecting an easy job.  And his professional history is of fighting against foes of every kind every day and never backing away from a challenge.

So I say, “Let ’em have it, Mr. President.  Appoint that independent prosecutor (but let’s call that person an independent ‘investigator’ since there’s been no unlawful acts to investigate) and empower that investigator to take any and all actions necessary to get all the facts about the alleged Russian improprieties.”

“Darkness has only one enemy:  the Light.  And when the Light shines on the Darkness, Darkness disappears.  Shine the Light on this Darkess, Mr. President.  Most Americans want it to disappear.”

I’d like to hear your opinion on this issue.  Please take a few moments and let us all know your thoughts below.  Thanks!

Two Cows


We often get confused when we hear different types of world governments labeled in the press and conversations with others.  Quite honestly there are quite a variety of government philosophies in the World today.  Through history many have come and gone, but many find their way around to countries throughout the World from time to time.  When that happens they are usually revised to fit applicable differences in government thought and philosophy, but usually the core of each remains intact.

Because there are so many, I thought it would  be fun to use some “comparative humor” in explaining their differences.  In doing so, the economic perspective seems to me to be one we can all relate to.  Enjoy!


You have 2 cows.  You give one to your neighbor


You have 2 cows.  The State takes both and gives you some milk


You have 2 cows.  The State takes both and sells you some milk


You have 2 cows.  The State takes both and shoots you


You have 2 cows.  The State takes both, shoots one, milks the other, and then
throws the milk away


You have two cows.  You sell one and buy a bull.  Your herd multiplies, and the economy grows.  You sell them and retire on the income


You have two cows.  You sell three of them to your publicly listed company, using letters of credit opened by your brother-in-law at the bank, then execute a debt/equity swap with an associated general offer so that you get all four cows back, with a tax exemption for five cows. The milk rights of the six cows are transferred via an intermediary to a Cayman Island Company secretly owned by the majority shareholder who sells the rights to all seven cows back to your listed company.  The annual report says the company owns eight cows, with an option on one more. You sell one cow to buy a new president of the United States, leaving you with nine cows. No balance sheet provided with the release.  The public then buys your bull.


You have two giraffes.  The government requires you to take harmonica lessons.


You have two cows.  You sell one, and force the other to produce the milk of four cows.  Later, you hire a consultant to analyze why the cow has dropped dead.


You have two cows. You borrow lots of euros to build barns, milking sheds, hay stores, feed sheds, dairies, cold stores, abattoir, cheese unit and packing sheds.  You still only have two cows.

You have two cows.  You go on strike, organize a riot, and block the roads, because you want three cows.


You have two cows. You redesign them so they are one-tenth the size of an ordinary cow and produce twenty times the milk. You then create a clever cow cartoon image called a Cowkimona and market it worldwide.


You have two cows, but you don’t know where they are.
You decide to have lunch.


You have 5000 cows. None of them belong to you.
You charge the owners for storing them.


You have two cows.  You have 300 people milking them.
You claim that you have full employment, and high bovine productivity.
You arrest the newsman who reported the real situation.


You have two cows.  You worship them.

You have two cows.  Both are mad.


Everyone thinks you have lots of cows.  You tell them that you have none.
No one believes you, so they bomb the ** out of you and invade your country.
You still have no cows, but at least you are now a Democracy.


You have two cows.  Business seems pretty good.  You close the office and go for a few beers to celebrate.


You have two cows.  The one on the left looks very attractive…

Ireland 2015

You have two cows.  The government introduces a cow tax and you sell them to pay the tax. The government introduces a no cow tax.


You have two cows. Your neighbor has three. You hate him.


You had two cows but one was forced to immigrate to the US and the other drank itself to death.