A Health Plan for Maryland
Part 2
By Dr. Terry McGuire
Part 1 of A Health Plan for
Maryland focused on the Affordability of a just healthcare plan.
A huge cost for enrollees is prescription drugs, the last
sacrosanct, unregulated bastion of the healthcare industry. How
long can the pharmaceutical companies continue to dodge the cost
control bullet? How many more times are we going to hear the
industry mantra: we need to charge enough so that we can pay for
our research? That sounds like the same thing we hear when the
obscene quarterly oil company profits are posted and the
companies say: we need the extra money for exploration.
A tremendous amount of research is being performed at this second
by NIH and our Medical Schools across the country with grants
funded either by taxpayer monies or by private foundations. All
of the results are posted on the NIH website which is available
to anyone, including the drug companies. Of course, there are
expenditures necessary for clinical trials, but it is time for
the pharmaceutical companies to be held accountable for their
prescription drug charges. The Medicare bill passed recently to
allegedly address prescription drug costs not only avoided any
cost accountability, but made it illegal to buy the same drug
made by the same company in Canada at a reduced rate. That
section should be repealed immediately and I urge Congressman
Steny Hoyer to open the door for prescription drug
accountability on a federal level.
In Maryland, it is time to bring the drug companies under the same
light as every other segment of the healthcare industry. Not
long ago, I suggested to a conservative legislator that he
should call for cost accountability for prescription drugs. You
would have thought I committed a religious sacrilege. He said,
“Oh, I couldn’t do that. That would be against free enterprise.”
I replied that every other sector of the healthcare industry is
controlled in some way, but he stuck to his position. Either
way, folks, there can be no affordable health plan without
prescription drug cost accountability.
A just healthcare plan must have complete and unequivocal
portability. Employer based plans have become a hindrance to the
general public when someone is laid-off or loses his or her job
for any reason. Not long ago, Congress sought to address that
problem, but flubbed it again. They gave the employee the right
to retain his or her health insurance, but the reality is that
the premiums skyrocket. Most people simply cannot afford them
and go without insurance. This is a tragedy and I hope that this
new Congress will truly address one of the most serious domestic
healthcare problems: Portability.
Every citizen should have the right to keep his or her insurance
when leaving a job at the same rate it costs while working.
There should be no increase in the premium. Of course, this
would not be an issue if a comprehensive fee-for-service plan
was available to all at a reasonable cost. This new plan would
not eliminate any other existing plan. Every HMO, PPO, and all
of the other O’s would continue as before, but they most likely
would need to downsize because this plan would catch on quickly.
I firmly believe that Americans cherish their freedom and this
type of plan would give them an opportunity to exercise that
freedom. Imagine going to any healthcare provider licensed in
the state. There would be no provider lists. There would be no
prior approval. Fees would be controlled and the public could
seek out care based on the provider’s ability, not because he or
she is on some list sent out in a huge catalog.
One more point must be noted about such a plan: executive
compensation. Many healthcare plan executives have been drawing
astronomical salaries, literally draining funds needed to cover
the care they are required to render. In this plan, compensation
for the person at the top should be capped at the level of any
other cabinet member of the Governor’s staff. I constantly hear
the corporations whine that they can’t attract quality
executives without huge salaries. Baloney! The line of qualified
people seeking the job would be quite long. And if the unions
buy into this plan, the rest of the country would be forced to
take notice. Why wait for Congress? Maryland can set a
nationwide standard.