Madam President, I note the absence of a quorum. Madam President, I ask unanimous consent that the order for the quorum call be rescinded. Madam President, I ask unanimous consent to speak as in morning business for 1 hour. I also ask…
Madam President, I note the absence of a quorum.
Madam President, I ask unanimous consent that the order for the quorum call be rescinded.
Madam President, I ask unanimous consent to speak as in morning business for 1 hour. I also ask unanimous consent to engage in a colloquy with other Senators who may join me.
Madam President, first, let me speak on the issue that Senator Jeanne Shaheen spoke about before me just briefly. I wish to compliment her for being such a champion for extending unemployment compensation. We are talking about people who, in many cases, through no fault of their own, lost employment. They may well be the only provider for their family. They don't have the wherewithal to support their family.
We have in this recession, this deep recession we are in the middle of, several times for people like that, extended unemployment benefits. Senator Shaheen and Senator Dodd and others who have spoken have described the personal circumstances people are in. We can't believe we can't move this legislation along to extend unemployment compensation benefits. These people need help in the recession and most likely they are the dollars that will be spent in the economy.
I wish to describe the procedure that has occurred. We had 87 Senators vote on a motion to proceed. The first thing we did to get on to a piece of legislation such as this unemployment benefits compensation legislation was we filed a motion to proceed because we didn't have the consent of the Republican leadership. We were then required to let that motion for cloture ripen over a 2-day period. So as many have watched, there hasn't been necessarily a lot of debate. It has ripened. We had the vote after 2 days--87 votes. Then, after 87 said we should move forward on the motion to proceed, there was a 30- hour postcloture period.
Well, what has happened with that is we also haven't had that much debate occurring on the Senate floor, but the time continues to run. So these delay tactics--they are called filibuster tactics, but in a way it isn't a filibuster. There is nobody here filibustering most of the time. So it is a delay tactic to do something the Nation needs.
So I compliment all of the Senators who are standing up for this legislation. I know Senator Whitehouse is also one who believes we should pass unemployment compensation legislation very quickly.
Health Care Reform
Madam President, we are here again this evening as a group of Senators--Senator Whitehouse has joined me--to strongly support the inclusion of a public option in health care reform legislation. I encourage other Senators who support the public option to come down and join us.
We were heartened earlier this week when majority leader Harry Reid announced that he would include a public option in the bill he is merging from the Senate Finance and HELP Committees. Senator Reid showed real leadership in developing a compromise that includes the public option, something that a wide majority of Americans support and want included in this reform.
This is another step in the direction of meaningful reform, but we are by no means finished with this debate. We expect defenders of the status quo, as well as those who continue to put insurance company profits over people, to step up their attacks and step up their misinformation campaign. The bottom line is that a public option is the best proposal on the table to help keep the insurance companies honest. It will insert much needed competition into the insurance market, and it will give Americans another affordable, quality choice for their health insurance needs.
So with all of that said tonight, I want to continue by highlighting a story out of New Mexico. It is a letter I received from a woman from Placitas, NM. She is a small business owner who wrote to tell me about a rate increase notice she got from her health insurer. She was told to expect a 9- or 10-percent increase next year. For two people, that will mean $2,300 a month in premiums she will have to pay. Here is what she wrote:
We can't afford it. I am now faced with the likelihood of
having to drop insurance which for two cancer survivors is
not the right answer.
I know I speak for many of my colleagues here tonight when I say our offices get dozens and dozens of e-mails and letters like this each and every week. Americans are struggling, and they are looking to us for relief from an impossible situation they cannot fight or win.
There was a story in the newspaper over the weekend that I think illustrates how urgent this situation has become. It illustrates why a public option must be a part of this reform. In the newspaper it was reported that many small businesses are facing the steepest rises in insurance premiums they have seen in years. That is saying a lot considering that insurance premiums have already more than doubled over the past 9 years.
In this news story, insurance brokers and benefits consultants said their small business clients are seeing premiums go up an average of about 15 percent for next year and in some places as high as 23 percent. That is double the rate of last year's increases which were already unacceptably high. Do you know why these small businesses are seeing such big increases? This report said it is because insurers are trying to raise their premiums ahead of anything we do legislatively that might reduce their profits.
Health insurance companies are only looking out for themselves and their own profits. It is up to us to look out for hard-working Americans. It is up to us to look out for America's entrepreneurs, those small business men and women whose companies employ some 40 percent of American workers.
With that, I will open the floor to my colleagues. Let's talk about what a public option would mean for small businesses and how difficult it is for American entrepreneurs to keep their heads above water as health insurance companies continue to raise their rates, deny them coverage, or drop them completely when they place a claim to be reimbursed.
I see Senator Whitehouse here. He has been a champion throughout this process in terms of the public option. I will yield to him. I also see Senator Durbin here, our majority whip, who I hope will join us, who has also been an incredible champion when he stands up in leadership time and throughout the day on the public option.
Madam President, I say to Senator Whitehouse, let me join in here with him and Senator Durbin because the thing he pointed out--and that is the crux of this argument, right here on this chart--that when we talk about a public option--and the Senator has hit it over and over again and Senator Durbin mentioned it--it is competitiveness. That is what we want to see, competitiveness. We are not talking about a government takeover. We are not talking about single payer. We are not talking about all these things our friends on the other side of the aisle say about this reform. We are talking about making the system more competitive.
People may not realize that in many of our States, when you talk about insurance company monopolies, there are States where more than 75 percent are covered by just two insurers. So we have the State of Montana with two insurers, more than 75 percent of the market. Look at Minnesota, Iowa, all these darker States, Maine. These States have very little competition going on.
What the Senator talked about is, No. 1, the Federal Government cannot move in. I don't know if Senator Durbin heard this. But at the beginning, there was a big national news article that said the insurance companies are getting ready to raise the rates because they know reform is coming, and there is not a single thing the Federal Government can do about it. We have a great antitrust unit over in the Justice Department, but they cannot do anything about it because we have these laws in place.
This is, once again, what we are going to see. This is the pattern in the past: Skyrocketing insurance premiums, sky-high insurance company profits. In the last 7 years, a 428-percent increase, and all that is going on while these 47 million Americans are without insurance, premiums doubled in 9 years, and these huge CEO salaries.
I think the public option is the key to bringing competitiveness to this market. I am glad the Senator from Rhode Island and the Senator from Illinois are working in committee to see that our antitrust units may be able to get involved in these kinds of situations in the future.
(Mr. BENNET assumed the chair.)
If the Senator will yield, the Senator from Illinois has hit on an example that comes home to me because I had a gentleman write to me from a small community in New Mexico--Pena Blanca--about his wife. He said his wife had reached the age of 50, and she wanted to do what she could in preventive care, which is what we want to encourage, as the Senator is talking about, to get out in front of illnesses and try to do that preventive care. So she wanted a colonoscopy, and she went to the insurance company that said: Well, it is going to cost you $3,000. They didn't have $3,000, so she had to forgo the colonoscopy. That was when she was 50 years of age.
At 54 years of age, she was diagnosed with colon cancer. So he writes to me saying that his wife is dying and he is in this situation now where he realizes if they had had that kind of preventive care, he would have his wife with him and would have her with him a lot longer.
It demonstrates what the Senator has just said, that if we reorient our health care system to prevention, to wellness, if we use the public option--we use the nonprofit method--we will then be moving in the direction of getting way out in front of these illnesses rather than having tragedies such as this gentleman from the small town of Pena Blanca, NM, describes. It is a crying shame to see that kind of thing happen to a family.
As Senator Whitehouse has said, we talk about all these things-- skyrocketing premiums and profits and everything--but it comes down to families and individuals with serious health care problems. In many cases, those problems are not being dealt with in our health care system.
Well, Mr. President, to talk a little about that situation, I think it is important to understand, first of all, that we have so many people out there who are uninsured--absolutely uninsured. As Senator Durbin has described, many times they lose their job and they lose their insurance, and that is what this reform is all about. We are not going to have that connection any longer. We are going to say to Americans: You are going to have your health care coverage, and if you go from job to job, you are going to be able to continue your health care coverage. If you are unemployed, you are going to be able to continue your health care coverage.
That is a big new step for us, to take people who didn't have insurance, who were subject to the vagaries of existence out there, and point the way to where they are going to get insurance. They are going to get help for their families, and I would just say that we are at the right place at the right time. Things have aligned.
We have President Obama, we have a Democratic Senate, we have a Democratic House, and we need to get this done in this time period. We know we are going to be opposed. Our friends on the other side are going to do the same thing the Senator mentioned on unemployment benefits. They are going to stand up and use every trick in the book. They are going to use all these filibuster rules, and they are going to make us file everything. But we will stay here long nights, we will stay through to the end so that we can help the individuals like those we have been talking about to get insurance regardless of what their personal circumstances are, regardless of things such as preexisting conditions and serious illnesses and getting dropped by insurance companies.
Senator Whitehouse.
Mr. President, the example on the savings is right there, in the examples before us. We just talked about Medicaid. Medicaid has a 3-percent administrative cost. We are talking about a program, when I go into my townhall meetings and visit with people, people say they like Medicaid, they like what they have. Here is a program that is running with 3 percent administrative costs.
When we talk about the insurance companies, because of what the Senator mentioned, how they fight the claims and you have to get all these people in the doctor's office trying to prove claims, and then back and forth--doctor's offices many times told me 50 percent of the people in the office are there doing this administrative work because of what the insurance companies have created.
When you ask the big question to insurance companies, how much is your administrative cost on the health insurance industry--30 percent. I think there is enormous room for improvement when we are talking about the hundreds of billions of dollars that are out there, from 3 percent in Medicare to 30 percent or more in the health insurance industry.
There is no doubt that the savings can be squeezed out of this system. That is what the public option does. That is what we have been tonight talking about, night after night. I am so thankful that Senator Whitehouse, in the HELP Committee, his service in the HELP Committee, volunteered to write the public option for that health bill. That contributed so much to this debate. It gave us the outside parameters for what we are debating right now, and our leader, Senator Reid, has now stepped forward and said he wants a public option with this opt-out provision.
Please.
We are near the end of our hour right here. I wish to read one more letter and then Senator Whitehouse may have some concluding remarks. But I think this letter drives home what we have been talking about all night. I received a
letter from a man in Carlsbad, NM. This man's wife was denied insurance benefits after she fell at the school where she is a teacher. And here is what he said:
Her orthopedic surgeon told us that her fall aggravated her
degenerative condition in her knees and spine. He felt he
could no longer treat her without surgery and recommended
that she have both knees replaced. She had one knee replaced
. . . , but before she could have the other knee replaced or
her back treated, she was summoned to Albuquerque where she
had to appear before a panel of three doctors.
The lead doctor on this panel rules that she needed no
further treatment of any kind. One of the doctors wrote a
dissenting opinion, but her coverage was cut off. The
dissenting doctor later apologized to my wife, stating that
he hated serving on those panels because the lead doctor
always ruled in favor of the insurance company and against
the patient.
The health insurance industry cannot be trusted. Without
the public option the American people will not have the
choice they deserve. The public option would bring needed
competition to the industry. I strongly urge you to support
the public option.
That is my constituent writing me. He has really hit it on the head. I think the gentleman from Carlsbad said it best when he said: The public option would bring needed competition to the industry.
You saw this chart earlier here about the lack of competition and how we have these insurance companies with a monopoly. Right now health insurance companies are basically monopolies or duopolies, at best. In New Mexico, we have two companies that hold 65 percent of the market. This kind of control means there is no incentive for competition. There is no incentive to drive down those costs. A public option would insert that competition back into the market and it would keep those insurance companies honest.
I thank Senator Whitehouse, Senator Durbin, Senator Bennet from Colorado, for being down here. We have been doing this for weeks now and we are going to continue this. I do not know if you have any concluding remarks. But I think this has been a very productive session. I hope we will continue until we get health care reform done and with a public option as part of it.
Mr. President, I suggest the absence of a quorum.