a reply to: lordcomac
You nailed it in so many ways. My family, a while back, purchase the Gold plan from a health insurer. The reason being was that we thought if we
fronted a bit more money upfront then we could have comprehensive and "easy" coverage. Boy was I wrong!! It was a complete disaster. We were paying
300+ a month for coverage. When our baby arrived, our child had an issue ten days later that required emergency care. The doctors, nurses, etc.. all
said that it was best that our child stayed for overnight observation until the issue subsided. It ended up being that everything was covered except
for the in-room hospital stay. The cost of the hospital room for two nights was $8,000, and we were providing the food and changing the diapers! The
insurance refused to pay a dime, because they found a loophole to get out of paying. I am wondering are we expected to wear a placard across our chest
that states "I have 'xyz' insurance so don't touch me if not in network" if you are experiencing heart failure or having a stroke? It is ridiculous to
get saddled with a $8,000 bill and to then get penalized if you drop your insurance coverage because you can't afford the $300+ a month payment to an
insurer who won't pay for anything anyways.
My parents paid thousands of dollars to insurance throughout their lives. They hardly ever went to a doctor unless it was for a yearly checkup. Once
they hit hard times, insurance was barely there. I would even argue that the stress caused by having to haggle with them may have further exacerbated
the condition. I am so burned out by health insurance. I constantly ask myself why I am paying a middleman for doing absolutely nothing. I would
rather my money go directly to my care providers each month. At least, in this way, my care providers would have an incentive in wanting to keep my
loved ones alive since we would be a source of income for them. Plus, I don't like the divide health insurers cause between the patient and care
provider. If the doctor says you need such and such, the patient may disregard because they don't want to have to deal with having to argue with the
insurers over pre-authorizations. And honestly, why isn't the money going directly to the people actually doing the work? It is against the law for
gas stations to increase prices during a gas shortage, so why is it okay for the medical industry to overcharge for services when you need it the
most? It is the most profound exploitation of the vulnerable I can find in this country and that is saying something.
What about health insurance jobs? The people I talked from customer support with my health insurance weren't even American. I even had one rep from
India, when I explained the situation to her, even she was like "why the hell do you even bother". Even she thought it was nuts to pay so much for so
little in return.
I envision a world where the money I pay to insurance is instead split between my primary care provider and main hospital (everyone who works at the
hospital accepts my coverage). If my pcm says I need to see a specialized physician (who is out of network) for a unique ailment, he/she or the office
can haggle a favorable price with the specialist's office for me to get treatment. I may have to deal with student physicians observing my treatment,
but I am still getting treated.
Not only that, I think it would help if the government was willing to grant a nice interest rate for a hospital (based off the income of the citizen's
monthly payments) which would be dependent on the hospital's mortality rate for standard procedures and lack of malpractice suits. While it sounds
like socialized medicine, I think for hospitals that it requires a bit of socialization. I think Americans should be able to choose their care
providers freely and that physicians should be properly reimbursed for their efforts. But, as a whole, it should be in the government's/tax payer's
best interest to keep people healthy (young and old).
A loved one of mine had a very rare melanoma. The specimen was sent off for research, but my loved one was still saddled with a $20,000 bill. There is
a lot taking, but there isn't a lot of giving here. The stress of having to owe so much at so late of age is incredibly troubling. If you go on
medicaid, you basically have to forfeit anything extra you have ever built in life. It is profoundly unfair. And also, I think the extravagant costs
cause some people to just disregard the bills completely. They feel disenfranchised, cheated, and confronted with their own mortality (where
possessions don't mean as much).
One of my thoughts has been if we might see a health industry bubble pop. I was thinking about all of that bad debt and whether it was insured or not
then I started thinking about the aging baby boomer population. The gov paying for all med bills would completely dismantle and bankrupt this nation.
The costs just have to be controlled, and the money just has to go to the right people, imo.
edit on 28-10-2016 by AllinThisTogether16 because: (no reason given)