An interesting discussion has developed over here about health care in the United States. The Canadian bloggers seem to think that we would rather not have universal health care and I did not feel like I could speak for the whole country, but this is what pretty much I said:
Many citizens of the U.S. are not rallying against universal health care. We can see the need for it, but our government is trying to implement it by demanding everyone have health insurance (like one has to have car insurance if they own a car) but health insurance companies are one of the primary reasons we have spiraling costs of health care in the first place, so that seems like the wrong way to do it if you ask me. If you wreak your car and your insurance company finds some way to keep from paying all or part of the claim, you just end up riding the bus, getting a crappier car to replace the one that was damaged or you chip in some of your own cash, but you are back on the road again eventually.
With health insurance, the stakes are much higher if the insurance company is successful in their efforts to stiff you to keep their stockholders happy. People can die or get in much more serious trouble while fighting for the benefits that they already paid for with their premiums. If they cannot afford payment for treatment from their own resources after paying premiums to their health insurance company while they pursue this fight, (hopefully with some help from someone who is in better health then they are since dealing with these guys takes a LOT of stamina) then they are screwed.
Years ago, I had the worst time getting our health insurance company to pay for the ONLY asthma medicine we found that worked for our daughter. (I often wonder if some of the stress-related illness I now deal with can be directly attributed to the constant battles I fought with those various companies–hubby’s work usually went with the lowest bidder for health coverage, so even though he has been with the same company for more than 20 years, we have tried just about all of them and there is very little difference between them, in my opinion) After we finally triumphed in the battle for the medicine that actually worked for her, they then excluded costs related to the drug delivery system (children under 12 cannot effectively use the inhalation device that comes with most asthma meds, rendering them pretty much useless without a delivery system) so from the time she was 18 months old until she was in middle school we had to pay for that part of her treatment ourselves IN ADDITION TO the premiums we paid every month…
The health insurance companies are making all kinds of deals with drug companies, but instead of making things more affordable for the consumer, we are told which drugs/treatments are allowed (even if your own doctor disagrees with them, they will not pay for anything they do not deem “medically necessary”/economically advantageous to said insurance company) without a HUGE fight. If after a long battle you miraculously convince them to cough up the resources for the treatment/drugs you need, you will be filling out paperwork on a regular basis after that for as long as that treatment/drug is required. The difference in the amount of resources this costs providers is so great most of them offer two options on pricing for services: the fee for service rate (MUCH lower since they aren’t having to use all their human and computer resources to submit the necessary paperwork to justify the necessity to insurance companies) and the insurance rate, which is significantly higher. One guy I know was quoted a price for a specialist that was THOUSANDS of dollars lower for not having to deal with any insurance companies!
So yes, if universal healthcare in the U.S. means being told I MUST have health insurance, I will not be happy about that since I am convinced that they have contributed significantly the increases we now have in health care costs. If I am allowed to purchase the type I prefer, I might be okay with it, especially if it means that some of the folks that have had to sacrifice having basics like food and clothing to pay for medical care could get some help…
I was wondering what my xanga friends thought about this topic. I would love to see any thoughts you might have in the comment section below…
Recent Comments