Two Cents to Healthcare

Saturday, 21 November 2009
I have a pre-existing health condition.  If you have Asthma, so do you.

If you've never been out of a job then you might not know how hard it is to get health insurance with a pre-existing health condition.  It is nearly impossible.  If you can get private health insurance on your own (in this recession most companies will not take you unless you have perfect health), you'll pay $5000 a month at least just to be insured.  That doesn't include co-pays or deductibles.

Now days, there's a healthcare reform in the works.  Some people like to rage against the momentum.  Yes, change is not easy but sometimes it is for the best.

Hard to believe now, but you might not always hold that high-paying position with a company that offers good health insurance.  They might decide to drop the family coverage, you might get laid off, then what?  In the current system, you'll have to pay out of your pocket for your wife's breast cancer treatments and your son's allergy shots.  One doctor's visit costs approximately $150 out of pocket.  Medications?  Up to $250 for one month or more depending on the treatment.

We need to stop resisting change.  Whether or not you agree with the bill in the House right now, please stop saying things like "THIS IS GOD'S AMERICA!  DOWN WITH SOCIALISM!"

Socialism is defined as "a society characterized by equal access to resources for all individuals with a method of compensation based on the amount of labor expended."

Healthcare is not going to based on how hard you work or whether you work.  If you take a step back and look at the current system, that's how it is.  The better your job, the better your healthcare. With the bills going through the House and Senate now, there will also be a private option so if you want to remain away from the "poor people" and get the elite healthcare you think you deserve - you still can!

I'm just getting wary of pundits passing down these generalized statements to people who don't know any better.  Remember, the folks on FOX get paid hundreds of thousands of dollars to entertain and they'll never have a problem affording healthcare.

If I lose my job, I will.

Your daughter?  On the system we have now, when she's out of the umbrella of parental health insurance (age 25) and can't afford to pay for an appendectomy and complications she'll have to file for medical bankruptcy.   Hopefully you'll have enough in a retirement fund to help her pay.

7 comments

Ted Stryk said...

I have major concerns about the reform that is being pondered, but I agree that something has to be done. While MK and I have always had insurance, there is a flip side to that. There were many opportunities that would have been really cool that we could not take because of the risk of losing insurance. With her asthma, allergies, and, as we discovered later, celiac, she would have had real problems ever being re-insured. I love my job now, but I could imagine burning some day. Right now, I actually make about as much money doing various freelance and contract work as I do working for the college. If I didn't have to devote time to the college, I could do many of the jobs I turn down and my total income would go up. However, the need for a good insurance plan, especially with Eli's impending arrival, shackles me to some sort of fulltime gig with a college (or other large employer). I know many people in the same boat, only their "regular" job is something a whole lot less interesting than mine. I don't see how it makes any sense to have all these entrepreneurial and creative people shackled to some pointless job for health care.

Teri's Blog said...

I think the current way that Congress/White House is handling healthcare reform isn't going to be good in the long run. Why can't they deal with one problem at a time, such as a law to make it illegal to deny/delay someone health insurance because of pre-existing conditions, then move on the the next problem.

Denae said...

Yes, believe me, for a government who is in debt to another for 800 billion bucks, there's obviously major problems. I just think narrow-minded options such as demanding NO public option or NO private option might be a bit much. Maybe the more choices we have for the cheapest over-haul the better?

Ted Stryk said...

Right now we spend $5,267 in public money per person on health care (http://www.libraryindex.com/pages/1861/International-Comparisons-Health-Care-COMPARISON-HEALTH-CARE-SPENDING-RESOURCES-UTILIZATION.html) The closest runner up is $3,445. France, famous for its lavish spending on health care, spends $2,736. A look at the link I posted shows that many other countries with extensive national health services spend nowhere near what we spend per person on health care. In these countries, people don't have to pay out of pocket, so the numbers are actually even more skewed! My point is that we really need to look at what we are spending versus what we have to show for it.

Anonymous said...

There will be a ripple affect with this major health care reform. The big question is to what magnitude and how it will impact private health care?? I encourage narrow minded people to continue questioning the cause in order to get the best solution. The current government's spending habits need to be questioned, just like running any other business. I lean more liberal on many issues but we should not encourage naive decisions on something that will have a profound impact on the economy and country as a whole. More so, the government has proven time and time again it is not fiscally responsible and should not play a role in managing healthcare, both reps and dems.

Anonymous said...

It will be interesting to see what is in the final reform bill. I do think something will get passed - I hope it emphasizes insurance reform. Anyone should be able to buy basic healthcare insurance regardless of their employment status. And we better make it affordable, or the tax payers will just pay for it in the end.

When an uninsured woman goes into labor and shows up at her local hospital, the doctors will treat her, of course. The basic bill will probably be around $14,000. She won't be able to pay it and will leave the hospital with no forwarding address. What happens then? The hospital "writes it off." Well, they just spent that money on the patient (nonprofit hospitals, folks!,) so it has to come back from somewhere. Guess where? 1) Government subsidies and 2) The cost is passed on to patients who DO have insurance (~90%). So, everyone pays for it in the end.

Next time you have a friend say "I don't want MY money to pay for someone else's medicine...." Please properly point out that it already does.

CC

Denae said...

Excellent point, CC. We need to get specific with the problems and solutions. Insurance reform = major need.