As silent as they want to be.MIAMI Miami, cities, United States
Miami (mīăm`ē, –ə).
1 City (1990 pop. 358,548), seat of Dade co., SE Fla., on Biscayne Bay at the mouth of the Miami River; inc. 1896. , FLA FLA Florida (old style)
FLA Macromedia Flash (file extension)
FLA Flash Files (file extension)
FLA Fair Labor Association
FLA Front Line Assembly ., HAS ALWAYS HAD its own vibe. Think Crockett and Tubbs, Cocaine Cowboys, KC and the Sunshine Band, CSI CSI Crime Scene Investigator
CSI CompuServe, Inc.
CSI Commodity Systems, Inc.
CSI Commodity Systems Inc. (Boca Raton, FL)
CSI Crime Scene Investigation (CBS TV show)
CSI Christian Schools International Miami, and Luther Campbell This article
* It may violate Wikipedia's policy on .
* Its neutrality or factuality may be compromised by weasel words.
* It needs additional references or sources for verification. . Campbell discovered the has multiple issues:rap group Noun 1. rap group - a gathering of people holding a rap session
assemblage, gathering - a group of persons together in one place 2 Live Crew in Riverside, Calif., in 1983. He brought the group to Miami, where they popularized the "Miami Bass This article or section needs copy editing for grammar, style, cohesion, tone and/or spelling.
You can assist by [ editing it] now. " sound. Even if you are unfamiliar with Campbell or "The Crew," you know that sound. It's the booming rumble from the car alongside you at the stoplight. You know, the noise that rattles your rearview mirror so much you'd swear you were having a seizure. Yeah--that noise.
In 1989, at the height of their popularity, the group released their double album As Nasty As They Wanna wan·na
1. Contraction of want to: You wanna go now?
2. Contraction of want a: You wanna slice of pie? Be. It was ... well, nasty. The group's lyrics never were PG, but this album was so raunchy raun·chy
adj. raun·chi·er, raun·chi·est Slang
a. Obscene, lewd, or vulgar: "[He] that it caught the attention of Florida Gov. Bob Martinez, who asked the American Family American Family is a photographic artwork exhibition by Renée Cox. See also
A lawsuit was filed and in June of that year, Judge Jose Gonzalez ruled that the album was "obscene and illegal to sell." Copies were confiscated con·fis·cate
tr.v. con·fis·cat·ed, con·fis·cat·ing, con·fis·cates
1. To seize (private property) for the public treasury.
2. To seize by or as if by authority. See Synonyms at appropriate.
adj. , and three band members were jailed after a live performance of the material. Ultimately, Gonzalez' ruling was overturned and the notoriety of the whole episode helped the band to sell more than two million albums.
Today, only hard-core fans remember the album and fewer still recall the entire commotion. One sentence from the judge's ruling sticks out in my memory. He said, "This is what happens when 'anything goes' meets 'enough already.'" Listening to critics discuss health care in America, I find myself again recalling that line. I've grown weary of yelling at the TV set as I hear the news media and legislators blame insurance companies for the cost of health care. No one blames home builders for homelessness, or farmers for hunger. Yet the incessant drumbeat See Drumbeat 2000. that somehow insurance companies are the price villain just will not be stilled.
Insurance prices are a mirror reflecting the cost of its components, just as clearly as the price of an automobile reflects the cost of its parts. In 1979, a mid-range Chevrolet Impala retailed for about $5,800. Today, that same model--even with steep discounts in our recessionary economy--costs about $23,000. A little more than half of that increase is inflation, but the remainder is due to the increased cost of the components and the labor required to manufacture and sell the car. No one would argue that the 30-year cost differential is going to General Motors' bottom line. Why, then, do some want us to believe that the exponential increase in the cost of health care is simply a money grab by the insurance industry?
Most of us have a pretty clear idea of why this deception is palmed off to our fellow citizens. To produce a cataclysmic cat·a·clysm
1. A violent upheaval that causes great destruction or brings about a fundamental change.
2. A violent and sudden change in the earth's crust.
3. A devastating flood. , fundamental change, you have to start with a villain. To create a villain out of whole cloth requires a more persistent deception. As Martin Newell wrote more than a century ago in The Law of Libel and Slander libel and slander, in law, types of defamation. In common law, written defamation was libel and spoken defamation was slander. Today, however, there are no such clear definitions. in Civil and Criminal Cases, "It is the successive repetitions that do the work. A falsehood often repeated gets to be believed."
The question we need to ask is, why do the commentators and legislators (and others) continue to get away with this deception? Because we in the industry allow it to go unchallenged, that's why. So let's look at the facts--the real facts, not the make-believe ones. Once we understand them, we need to challenge those who are trying to paint our industry as the bad guy. Thanks to America's Health Insurance Plans (AHIP AHIP America’s Health Insurance Plans
AHIP Army Helicopter Improvement Program
AHIP Academy of Health Information Professionals
AHIP Association of Hearing Instrument Practitioners (Ontario, Canada)
AHIP ARPANET Host-IMP Protocol )--the health insurance trade organization--and the Factors Fueling Rising Healthcare Costs survey from PriceWaterhouse Coopers, (*) the facts are readily available.
If you have spent any time helping employers with their health insurance choices, you've undoubtedly told a prospect or client that, "Your claims represent about 85% of your overall costs." Or, to make the point more clearly and simply, you may have told an employer that "85 cents of every dollar is spent on the claims of your employees." According to the survey, the 2007 figure was 87%. Physician and clinical services grew by 5.5% in 2007 and accounted for 33% of all health care expenditures--the largest single segment. These services also accounted for 1.8% of the 6.1% increase in private insurance premiums. So one-third of each health care dollar spent covers the cost of your doctors and the testing they perform.
Hospital inpatient costs were the second largest segment, representing 20 cents of each dollar. In 2007, these costs grew at 7.5% and made up 1.5% of that 6.1% increase in private premiums.
Coming in a close third, and representing 15 cents of the dollar, were hospital outpatient costs, which grew at an annual rate of 8.2%, the highest growth rate of any of the segments. This is consistent with the down-lining of many procedures that once belonged to the large multi-specialty hospitals and which required admission and the additional costs that come with overnight stays. From a consumer perspective, this is a good thing. Yet the trend represented 1.2% of the overall growth in premiums.
Note we are at the fourth largest portion of the health care dollar and we still haven't talked about insurance companies. Overall prescription drug prescription drug Prescription medication Pharmacology An FDA-approved drug which must, by federal law or regulation, be dispensed only pursuant to a prescription–eg, finished dose form and active ingredients subject to the provisos of the Federal Food, Drug, spending occupies the fourth largest segment. As the report points out, "Prescription drugs had, in the past few years, been the fastest growing component of health insurance premiums, reaching well into double digits." Indeed, for the past several years prescription prices have been the Evel Knievel of the insurance world, jumping higher and higher. Any practitioner who was reviewing an annual claims report lasered in on prescription costs. Even with the slowdown in overall spending, drug costs still grew by 5.7% in 2007.
The next five cents of the health care dollar were spent on what the survey refers to as "other medical services." While these costs are relatively modest and grew at a digestible digestible
having the quality of being able to be digested.
the proportion of the potential energy in a feed which is in fact digested.
see digestible protein. 3.8%, they still accounted for more than those evil insurance companies "raked in." Government payments, compliance costs, claims processing, and other administrative costs administrative costs,
n.pl the overhead expenses incurred in the operation of a dental benefits program, excluding costs of dental services provided. account for the next 6% of spending, with an additional 4% to consumer service, provider support, and marketing.
If you've been keeping track, only three cents of that dollar is left on the table--the hideously exorbitant amount the insurance companies pocketed. I am amazed that any company would want to do all of the uphill slogging it takes just to grab a three-cent brass ring. Will saving three cents solve the problem of rising health insurance costs? Of course not.
Premiums will continue to rise as they reflect cost increases in the "other" 97%. The study offers this perspective: "While premium increases have slowed, there are still major concerns about underlying health care cost increases continuing to outpace inflation." They conclude, "Both utilization and price increases in excess of inflation contribute to health care spending increases." That's absolutely correct--those factors are the cause of the increased premiums. Though it is difficult to imagine that any company other than a mass retailer would be content to live within a 3% profit margin, that is where insurance companies are today.
When Luther Campbell discovered 2 Live Crew, they had just released their debut single, Revelation. It is well past time that this revelation about health insurance companies becomes part of the national conversation. It is temptingly easy to vilify an industry that can't--or won't--fight back. It is far more difficult to refute the misinformation mis·in·form
tr.v. mis·in·formed, mis·in·form·ing, mis·in·forms
To provide with incorrect information.
mis and change those minds that have heard this baloney repeated so often it has become their truth. We can no longer be as silent as we want to be.
(*) The AHIP/PWC survey is available at http://www.ahip.org/content/default.aspx?docid=25123.
Readers may write to David Saltzman at Carolina Care Plan, Inc., 201 Executive Center Drive, Columbia, SC 29210. David is a past president of NAHU NAHU National Association of Health Underwriters and has been a health, disability, life, and employee benefits broker for more than 25 years. He is the director of the large group segment for Carolina Care Plan.