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Your Bank Account Is Safe: Running Down The Latest Winger Health-Care Lie

Another day, another metastasizing lie about health-care reform that needs debunking.

We've already seen the euthanasia lie -- in which conservatives, including Sarah Palin, have claimed that a provision in the bill that would extend Medicare coverage to end-of-life consultations is really aimed at letting Obama kill your grandmother. But that's old news by now.

The hot new conservative health-care lie is that the bill will give the government direct access to Americans' bank accounts at any time, which, in some variations of the lie, will then be raided to finance the legislation.

The bank accounts lie has been proliferating in recent days. A questioner at Sen. Arlen Specter's townhall this morning asked about it. Rush Limbaugh, of course, has talked it up several times over the last week on his show. Rep. John Shadegg (R-AZ), speaking last week to a local right-wing radio station, called the provision "pretty Orwellian."

Where does it come from? It appears to have its roots in an email "analysis" of health-care reform that includes various lies and distortions about the bill. (Politifact, the fact-checking site run by the St. Petersburg Times, has called the email a "clearinghouse of bad information.") One charge made in the email is that "the federal government will have direct, real-time access to all individual bank accounts for electronic funds transfer."

What's the truth? The section of the legislation on which this claim is based states that the bill will "enable electronic funds transfers, in order to allow automated reconciliation with the related health care payment and remittance advice."

As Politifact points out, the bill's legislative summary makes clear that the intent of this section is to "adopt standards for typical transactions" between insurance companies and health-care providers, and continues: "The legislation generically describes typical electronic banking transactions and does not outline any special access privileges." In what seems like an excess of even-handedness, Politifact calls the claim made in the email "barely true."

Media Matters adds that this is no different from setting up an automatic online bill-pay in order to pay back a student loan, calling it "completely uncontroversial, and totally not scary."

Not that we're expecting any of the people actually disseminating this lie to be interested in the truth. But it's worth understanding where these things come from.


20 Comments

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Yeah but that doesn't prove that once grandma is killed her bank account isn't free game for the feds. That's what they did in Russia!

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What Chris said! And what about the bank account of Sarah Palin's Down Syndrome son, huh? The feds want their greedy hands on that, too.

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You are on to something there. Obviously the euthanasia provision in the Obama plan is intended to help fund the plan, but that must therefore mean that only wealthy grandmothers will be euthanized. Why waste good gas on a poverty stricken grandmother? So, perhaps we need to reassess this and see if it is a good opportunity to distribute the wealth better - being good socialists we all, of course, think primarily about redistributing the wealth.

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Oh, and don't forget the other possible money-makers.

Hey kid, pass me a piece of that Soylent Green wouldja?

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I wonder where ordinary citizens at protests get such well laid out and professionally produced signs? At least one sector of our economy is doing ok.

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of course the hateful ass carrying that sign thinks it's all about *other* people's blood watering the tree and not his own. that's something fundamental that so many of those who crave big glorious revolution seem to forget, that they know not where things will end up on the other side

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Well, they had to take over sign production, given the pitiful spelling skills of your typical teabagger.

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Is there really any room for reasonable debate here?

I like to hope there is, that a liberal can talk to a conservative friend and reason with him/her, but I've even heard some liberals I know parroting the same lies about health care the right is spewing.

If the crazies are controlling the debate with this hyperbolic paranoia, how can we even begin to have a serious conversation?

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We can't. Isn't it apparent that we cannot and we cannot because no one is willing (especially on the what's left of the responsible wing of the republican party) to speak out and say enough is enough.

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And if you keep your money in a mattress, they're comin' for that, too, after they kill you in your bed.

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What do you want to bet that most of the people hyperventilating over this had no problem with legislation providing for freezing the bank accounts of people and entities with even a whiff of suspicion that money might have gone, however innocently, to an organization designated, even in retrospect, as a terrorist organization. Or for seizing the apartment or car of an old lady whose grandson might have borrowed the car or stayed with her overnight and was suspected of being involved with drugs.

I guess we shouldn't tell them that the IRS can already order money paid from your account if they have decided you owe them tax money...

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I am going to assume that anyone willing to believe that nonsense has never had a bank account and pays all their bills with money orders.

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Have the Tea Baggers presented any ... ANY ... valid criticisms of the healthcare bill being formed? I'd love to see somebody enumerate their wheat/chaff ratio. (That's instead of chaff/wheat ratio, which I suspect would be in danger of a divide by zero error.)

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No. Ergo, the ratio is known. Enumeration unnecessary. Case closed.

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The magnetic strip in today's money lets the feds scan your house and see how much you have, so don't store your money under the bed. The only safe place is under your tin foil hat.

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I'm guessing part of this springs from the real fact that Social Security does have access to your bank account. My uncle was disabled (Cerebral Palsy) and got SSI from Social Security. Every three or four years, they'd mess something up, think he had died, and would reach in and pull back a prorated section of his benefits. Since he usually lived check to check, it would always result in overdrafts, etc.

Not that this has much to do with health care, but it is a bit scary when it happens. Definitely feels like a violation when money is taken out of your account without due process (or even any notice). Since the same thing happens with Social Security benefits when someone actually dies, this is something that a lot of people have experienced.

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This is conservatism in the age of Limbaugh and Fox News ... Enjoy!

All crazies are welcomed to the MSM and are hyped up on too much Beck, Rush & Coulter.

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This likely has nothing to do with healthcare consumers. EFTs already occur regularly between some of the large insurers/Medicare and largest providers (as no large provider wants to wait on the insurer to cut and mail a check when they can get automatic deposits). It appears this just adds onto the additional electronic transaction standards that are already permeating the financial side of the healthcare industry (HL7/EDI/UB/1500). This lie only confirms Shadegg's a knucklehead and has never actually talked with anyone on the billing/payment side of a provider/insurer.

The holy grail on the provider side is to boil the billing/payment cycle down to what us in the healthcare financial arena term "real-time adjudication" whereby for defined procedures/service, we can bill the insurer and receive claim adjudication as you check out from your visit so that we know both what the insurer has agreed to pay, and what the patient will owe, before you leave the provider's facilities. Expectations are this will start to be making an appearance in healthcare billing sometime between 2010-2012. My guess is most of the references to electronic payments/reconciliation in the bill refer to business between insurers/providers and not consumers as it's the insurer/provider that is currently filled with multitudes of red tape.

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Have these people never met the IRS? The government already has this power. The IRS can (and quite frequently does) put direct liens on people's bank accounts and other assets. Even if the provision said what they claim it does it still would not in fact be an expansion of government power.

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These Conservatives should be ashamed of themselves for lying and spreading fear like the Russians once did. It was hard for me to include the Russians in that statement as it is ludicrous to bring the former Soviet Union, which is what our lying friend should have said, into this discussion.

The point is, if the Conservatives, who are afraid of losing the one and only thing that matters to them, their money, would sit down and act like adults and debate the facts, we the people who put them in office, would have a chance at representation from adults who we could be proud of, whatever the outcome.

I find the entire thing a huge embarrassment that teaches our children the wrong way to conduct themselves as Americans. But the Conservatives are proud to teach their children to lie. They must be, or why would they continue to do it?

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