Fit for the Road: Reforming the mindset?

Todd Dills | February 01, 2010

Reforming the mindset?

Driver sees opposition to health-care reform a matter of misunderstanding issues

The weekend of Christmas last year, a health-care reform bill made its way through the Senate, but what that would mean for the eventual character of any final health-care and -insurance reform bill remained unclear.

The Senate bill did not include a full government-run option for health insurance in the insurance purchasing exchanges it enables, which was a disappointment to Illinois-based bulk tank owner-operator Ray Lawson, leased to Superior Carriers. Lawson, now in his early 50s, has seen his health insurance premium go from a monthly $350 some 10 years ago to more than $900 today.

That rate of cost increase has been matched by only one other cost relevant to his business: fuel. And by some estimates the rate of increase for medical and insurance expenses nationwide has been the greater.

“All those years,” Lawson says, “I’ve only had one major thing done — my appendix was taken out five years ago. It cost me $7,000 out of pocket on a total $23,000 bill. All the visits and follow-up care I had to pay 100 percent.” Since then, he adds, medical costs and his insurance coverage has changed to the point that “if I had the appendix operation today I couldn’t afford to get it done.”

Opinion in the driver community was not on track with Lawson’s feelings about the need for the particular variety of reform being proposed. In December, 70 percent of respondents to an eTrucker.com poll indicated they were opposed to congressional efforts.

Instead of a public option, the Senate version included opportunity for insurers to offer a nationally regulated private plan to compete in the otherwise state-regulated health-insurance industry, as well as boosted funds for community health centers. Experts and other commentators agreed that, at the least, the final bill would look more like the Senate’s than the House’s.

Lawson speculated that the driver community’s opposition to reform legislation could be seen as a function of company drivers’ lack of understanding of the cost pressure the current health-insurance and -care situation puts on independent owner-operators and trucking businesses of all sizes.

While company drivers’ paycheck-deducted contributions to their companies’ health-insurance plans, such as they exist, have undoubtedly risen in recent years with other American workers’, Lawson says, “I think a lot of workers don’t understand. Nothing’s free. If a corporation is paying $1,000 a month for an employee’s insurance, that’s $1,000 they don’t have for raises or just to keep the doors open. It does affect everyone. That’s why I have some kind of a vested interest in a public option in this health-care thing. There doesn’t seem to be a lot of competition. I’m thinking that if they get something passed halfway decent, it’ll help all small businesses.”

 

TN0210PG030chartsDo you support Washington’s efforts to reform health care/insurance?

Unconditional driver support for the U.S. Congress’ efforts to pass reform legislation of whatever variety had dwindled slightly by the close of 2009 as those efforts neared fruition. Concern for the potential tax increase on individual and business income that reform represented seemed to drive the decision. The Senate’s version of the bill includes an increase of 0.5 percent in the Medicare payroll tax for individuals making more than $200,000 a year as well as other taxes on particular businesses. How states could respond to demands on their Medicaid programs for low-income people, expanded in some cases via mandates in the bill, remained unclear, but some were calling the program’s expansion an “unfunded mandate” that could result in higher taxes in some form or other.

 

With Mandates Come Fines and Subsidies

Fines for not offering health insurance in the Senate’s version of the health-care bill could be levied on employers of more than 50 people to the tune of as much as $750 per worker. Individuals, likewise, in smaller companies could face annual fines of $750 in the Senate bill by 2016 if they don’t purchase insurance (the House version stipulates a penalty of 2.5 percent of total income). The Senate bill ups Medicaid eligibility to a cutoff point of 133 percent of the poverty level (150 percent in the House bill) for those not eligible for Medicare, which in today’s terms would mean the under-65s making less than $16,572 for individuals and $33,729 for a family of four ($18,690 and $38,040 in the House version).

For incentives to purchase, for those at income levels between 133 and 400 percent of the poverty line federal subsidies for purchasing insurance in the created exchanges would be available in the Senate bill, depending on income level. For a family of four, anyone making below $88,200 or above $43,320 would be eligible for federal assistance.

 

Misty
Misty Bell is managing editor for Truckers News. You can find her health blog at www.fit4theroad.com. Contact her at mbell@rrpub.com or http://twitter.com/fitfortheroad.

February is American Heart Health Month

By Misty Bell

The past few times I’ve been to the doctor’s office my blood pressure has been higher than it should be — not good given that I’m only in my late 20s and have a family history of high blood pressure.

I’ve always struggled with weight, but I’ve never really struggled with health until now. It’s hard for me to ignore the fact that my higher-than-normal blood pressure is likely directly related to my weight — I am considered clinically obese at my height. The weight issue has always seemed an insurmountable goal to me, but add a health concern on top of that, and it’s even more daunting.

I spoke recently with Dr. Alan Gass, medical director of heart transplantation and mechanical circulatory support at Westchester Medical Center in New York, and he offered some sound advice for people in a situation like mine: Simply start with achievable goals. “If you can basically subtract some not good foods and filter in some exercise, starting out with about three times a week, that will make a really big change in someone’s health,” he says.

appleHigh blood pressure and other heart-related problems are extremely prevalent in the United States, with cardiovascular disease accounting for about one in every three deaths, according to the American Heart Association. More than 74 million Americans have high blood pressure. And these problems are thought to be closely connected with other diseases and disorders, like diabetes and sleep apnea. Altogether, it’s a laundry list of problems that can cause you to lose your CDL.

February is American Heart Month, as designated by the American Heart Association, and we want to encourage you to consider your heart health during this month. You’ve probably had your blood pressure and cholesterol checked in the past year; if those numbers are bad, try to come up with one or two changes you will make this month that could make a difference in those. I plan to cut down on sugary and caffeinated drinks, while drinking more water.

It may seem like a small step, but the small steps are what add up to life-changing and life-saving differences.

 

FIT FOR THE ROAD

Be sure to visit www.fit4theroad.com for more information on weight loss, healthy recipes, information on health products and more.

 

 

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