The number of layers of administrative charges in American health care is unbelievable..

Through Social Security I have Medicare Part A, Part B, Part D…

Then I have an HMO that subcontracts my care to a Doctors Medical Group. I am Also assigned to a hospital , Laboratory, Physical therapy, Chiropractor, acupuncturist, Pharmacy.

And the list goes on. CEO and Administration drawing a profit at every level....

All levels of this care could be provided at one central location. One Administrative group handling all the paper work.

Hey! That’s kind of like a universal health care system. Maybe it will work..…

For twenty years of my life.. My doctors were with out a doubt incompetent and guilty of malpractice in some cases..

In the last five years. I have had fantastic care. But in fact. My great care. Was just the luck of the draw. I was assigned, I did not get to choose, a doctor that knew what she was talking about.. A new doctor out of school for only 3 years. One who hadn’t grown accustomed to the idea that everything is caused by either the flu or nerves.

A doctor that hadn’t fallen victim to the old tale.

If you hear hoof beats. It’s a Horse. Not a Zebra.

So much for the idea that Universal health care takes away your power of Choice. America’s health Care power of choice is denied because of financial ability.


I have had broken bones. Hepatitis, herniated disks, torn muscles. Spondyliotheisis, syringomyelia, cancer, fibromylecia. And all the normal sicknesses. Many things that could have killed me. So I consider myself quite lucky.

But luck is no way to run a health care system.. 

The following happened to me. And is a common practice throughout the United States..


There is no competition in the American Health insurance system. Only collusion.. With Hospital administration, to defraud the American taxpayer…

I brought to small claims court in 1989 a claim against a local hospital. In the claim I declared that unfortunately for both my health insurance company and the hospital that provided me service. I was mistakenly mailed the insurance company invoice .

1. My insurance was a 90/10 health insurance plan…

2. The bill sent to me was for $10,000.00 dollars. (rounding off #)

3. Bill sent to Insurance company was for $2500.00 dollars

My argument was that my portion should be $250.00 not $1000.00. I argued that it is not proper for them to charge the uninsured $10,000.00 for a procedure that could be performed at a profit for less than $3500.00.

I also argued that the same hospital had refused to accept Medicaid patients because a typical Medicaid re-imbursement was 66%. The Accountant for the hospital agreed that Medicaid would have re-imbursed the hospital apx. $6700.00. ($3200.00 more than the combined insurance company and my deductible payment) And that the main concern for the hospital. Was government intrusion into their medical practices and financials.

I argued, why would you refuse a patient that was going to provide you double the insurance company payment???

When pressed they admitted that they refused all but emergency medical care at the insistence of the Health insurance company..

I argued that was defrauding the American Taxpayer.

The hospital also admitted that they would quite unashamedly charge the next uninsured patient the full $10.000.00, never mind the contract price with the insurance company..

And they would continue to refuse all but emergency service for Medicaid patients and bill the Government the full price as they had in the past. It was their right to charge as they please..


The judge read the portion of the insurance contract that stated my deductible was not based on the contract price, but rather whatever the hospital billed to me..

I told the Judge I understand what the contract said. But I was also under the impression that the insurance company could not be in collusion with the hospital. It was representing me in their contract with the hospital. And that the insurance company should never be allowed to enter into a agreement that allowed it to prosper, KNOWING, that the agreement caused me to suffer unreasonably..

After the Judge reading the riot act to the insurance company and the hospital. And expressing deep regret to me..

I lost.

But 15 years later.. Another case identical to mine, was re-filled. By someone with a bit more time and money than I had. In Superior Court..

The insurance company and hospital was found at wrong. And order to not enter into contracts in expectation of recovering losses from the uninsured..

America is ranked beneath Costa Rica!!!!!!!!!!!!!!!!!!!!!!!!

America is the only industrialized nation in the world that does not have a government sponsored, single payer health system.
And it is The LEAST accessible. MOST Expensive . Ranked only 37th in level of care...From:

 http://www.photius.com/rank...

The World Health Organization's ranking
of the world's health systems.
Source: WHO World Health Report - See also Spreadsheet Details (731kb)

------------------------------------------------- -------------------------------

Rank Country

1 France
2 Italy
3 San Marino
4 Andorra

34 Denmark
35 Dominica
36 Costa Rica
37 United States of America
38 Slovenia
39 Cuba

It’s simple. The caring business owner.. Will be driven out of business. If he is forced to match benefits with the foreign corporation that works in the environment of a single payer health care system..

Ours is a money making machine.. Not a health care system..