This is way too long, but it's a big topic.
First some background. My wife and I both work, and we have excellent health care. Between our two companies we don’t have to spend a dime on health care, and we get pretty much whatever we want. I’ve had surgeries, monthly medications, and dental visits at no charge. So has my wife, and our kids are covered as well. I pay about 26% of my income in taxes and my insurance is a company benefit.
So how much would my insurance cost if I were paying it myself? I looked up the COBRA rates for my plan and to cover me, my wife and kids I’d have to pay out $1,500 A MONTH. That’s not a typo, I didn’t forget a decimal point, and it’s an accurate number. One-thousand five-hundred US dollars a month for my insurance. This amounts to about 35% of my gross salary.
To quote Gerrit Graham from Used Cars “That's too fucking high.”
J-Swiss, that cut you had on your hand that the nurse suggested super glue for and cost you about $5,000? If that had happened to me I wouldn’t have thought twice about going to the doctor. Shit, for a cut like that they would have lavished me with care, maybe even a topless nurse (OK, that’s hyperbole), and I’d be fully covered.
When I had my last (back) surgery the doctor said that I could go to hospital A or hospital B. I said, well “A” is closer so I’ll go there. He gently suggested that I might prefer “B” and damn if he wasn’t right. Private room, TV, phone, place for my wife to sleep, good food, it was like being on holiday.
So, “
How Bad Is American Health Care… Really?” It fucking sucks. And to J-Swiss and all the other people on this thread who don’t go to the doctor no matter how bad they are, I am truly saddened by the disparity between our lives. One of my kids recently had an accident which is going to require surgery to fix, and believe me, if I could not get her that surgery I would feel absolutely horrible.
Ektnclr said that
the only problem with the health care system in the US is the PEOPLE who run the system, and oversee the system not the system itself. I agree and want to go on to say that a lot of the health care question can be boiled down to if you accept capitalism as the basis for health care. Personally, I reject capitalism as the solution to health care.
Yes, the problem is that the people who run it are working in the confines of capitalism and need to show a profit. Both the insurance companies and the medical profession need to make a profit, which means that they make decisions based on profit. I think that deciding on peoples health on the basis of profit is immoral and fundamentally wrong.
Most individuals with small businesses don’t have the kind of coverage that I do. In fact, they have a lot less negotiating power than my company, so for the same care they’d pay a lot more. Most can’t afford that so they pay smaller amounts for less coverage and end up having high deductibles and co-pays, with smaller caps. And these small businesses, the ones that are complaining that they don’t want their taxes to go up, and that taxes will kill their business, are getting increases of 16% on their health care premiums.
A lot of people don’t have any insurance because they can’t afford it. And the ironic thing is that it would cost less to give these people proper medical care and medication than to let them go so far that there is no hope for them. For example this article in the Atlanta Metro News
http://www.ajc.com/services/content/printedition/2009/04/23/proconed0423.html written by a doctor telling of a woman with a burst blood vessel in her brain who died because she had to choose between blood pressure medicine, and food for her kids. The irony is that the amount the ER cost would have more than paid for her medicine for life.
What has Capitalism gotten us? On the health care side it’s gotten us Pay for Procedure. The more procedures they run on me, the more money they get. So bring on the pregnancy test for a 48 year old man (OK, hyperbole again, but not far off). Sure hospitals can claim that they had to run all these tests on you to make sure you had what they eventually treated you for, but a lot of it is useless. They run the tests so that they can make up for the treatment they give to people who don’t have insurance.
And on the Insurance Company side, capitalism has gotten us rescission, where companies award employees for cancelling policies on people who need expensive treatments. See this article in Bill Moyers Journal
http://www.pbs.org/moyers/journal/07102009/profile.html of a woman in need of a mastectomy who’s policy was cancelled because she had not told them that she had previously been treated for acne and a fast beating heart.
And the most ironic thing of all is that people today say that they are happy with their company-provided health care. BUT the traditional employer-employee relationship with benefits is less and less common. We see a larger percentage of our work force in a contractual agreement which provides higher pay but no benefits. For a lot of these people the cost of health care insurance is beyond them. They will not realize just how bad it is until they’re in that position.
My greatest fear, which I think is going to happen, is that the Republicans will take so much out of the bill that whatever is passed will not solve the problem, and then the Republicans will say “See, we told you so”.