Showing posts with label healthinsurance. Show all posts
Showing posts with label healthinsurance. Show all posts

Friday, August 28, 2009

Win One for Teddy


Lots of political pundits and talking heads (who have entirely too much air time to talk) are advancing the theory that the death of Senator Edward Kennedy will spur the congress on to victory on the health care issue.

Meanwhile it seems that those who are against health care are also those that hated Teddy (and probably most liberals). Statistics are being bantered about concerning the number of Americans opposed to health care reform. These all have to be taken with a grain of salt (or the whole shaker) given the lies also advanced by the loyal opposition.

If we go with those Americans that have ample health insurance as the core to those which what no reform we arrive at a 40% figure. This is by no means the majority of Americans as the Republicans would have us believe. And I am willing to advance some theories about that 40%: 1) they have never been seriously ill, 2) they have not lost their jobs and wound up paying for insurance on Cobra, 3) they have not had the company they work for change carriers or coverage or co-pays, 4) they have not had their insurance carrier changed by the company they work for or because they took another job, 5) they do not have a pre-existing condition which limits their freedom to change jobs.

Ten years ago those insured people that fit that parameter was a lot more. Now companies because of the cost of insurance coverage are cutting back on the "frills" or raising the amount their employees have to pay to be in the plan for themselves or their significant other. And during the current economic downturn in the US more companies went bankrupt and/or laid off workers. And a higher percentage of employees job hop.

Health care insurance coverage costs has risen 400% in that ten years. And medical costs have followed right along. Those costs are so above the rest of the civilized world that there is a huge boom in medical tourism. I can get my shoulder rebuilt in Thailand for less than the copay here in the US and that is with air fare.

What that 40% opposed to health care reform does not know yet is insurance and medical care reform is not necessary for just the "have nots" but in the not too distant future it will be necessary for them too. Time to get your heads out of the sand and see the writing on the wall. This is not about insuring the uninsured. This is about keeping America competitive with the rest of the world before we are left in the dust.

Sunday, August 16, 2009

Monster in the Closet


I had a little brother when I was growing up that delighted in building on all my fears. We don't talk anymore because I got tired of being belittled all the time but I think he must have grown up to be a Republican.

Hey, we are all scared of the unknown whether we admit it or not. When we are kids it is the beast under the bed or the monster in the closet at night. Hey, sometimes my closet still scares me. When we grow up and become adults we are scared of the unknown like where the money is coming for the car insurance payment. Or, heaven forbid, the car needing major repairs. Or needing major repairs ourselves.

And those opposed to medical insurance reform are praying on those fears like my brother did when I was a kid. They are telling us all sorts of horrible things about the monster in the closet. Stephen King in his non-fiction look at horror films and fiction - Danse Macabre - explains that the monster we cannot see is always more scary than the monster we can. And who can "see" all the details of their medical insurance or what horrible illness might lead to them confronting it.

We are told that the health care system we have at the moment is the best in the world. Wrong. We are actually about 49th or so. Though we lead in costs for that system. And only the haves can afford it. We are told that if Obama's system goes into effect there will be government panels telling the sick they cannot get coverage. And that is different from your HMO refusing to cover your latest bill how?

I just went through this with a friend. He ended up having half his foot amputated because the infection ran wild while his insurance company debated the costs of prescriptions doctors wanted to stem the spread of the bone eating bacteria he most likely picked up in a hospital being treated for pneumonia. And yet Republican Senators and Congressman with the best medical coverage in this country want you to believe Obama will ruin yours. Sarah Palin, who does not read any major papers, claims the plan includes "death panels" (tell me again why it is we listen to this woman to begin with).

The loyal opposition has us running scared like when we were kids cowering in the bed under the covers. But that is nothing new. They did that for the eight years of the Bush administration only then the monster was 9/11. They invoked its name everytime the polls showed lack of support for some new democracy crushing measure.

So get out from under the covers and turn on the light and open that closet door. Call your insurance company (if you have one) and ask if they approve hospice care. Ask if you need to purchase supplemental insurance to cover cancer treatment. Check on their "approval" process for "extreme" measures. And ask who owns them. (It could be the same people that have owned all your other insurance companies.) Hey, get a definition from them about what they consider extreme. I am betting you won't like their answers.

Could it be that our current health care system is the monster in the closet? The one we refuse to confront while whistling in the dark.

Saturday, July 18, 2009

War on Cancer Working for Whom?


Now we are suppose to be checking for thyroid cancer! The 40 year war on cancer has been pushing us all into a greater and greater consciousness of how we could die.

Self-screening takes up more and more of our time. And medical procedures to screen for breast, colon, prostrate and thyroid cancer now take up more and more of our medical dollars. Some estimates say $700 billion is spent on medical costs for these early warning cancer screenings. And under most insurance policies we pay for those because yearly exams fall under the annual deductible. Which would be fine I suppose if they work.

But in a recent Times editorial by Natasha Singer doubt is expressed:

An upshot of the decades-long war on cancer is the popular belief that healthy people should regularly examine their bodies or undergo screening because early detection saves lives. But in fact, except for a few types of cancer, routine screening has not been proven to reduce the death toll from cancer for people without specific symptoms or risk factors — like a breast lump or a family history of cancer — and could even lead to harm, many experts on health say.

I can certainly feel that way about exams that are intrusive like pap smears and colon exams. Or exams that squeeze your tits in vises or subject you to continued and regular doses of radiation or microwaves. But I think what bothers me most about this push for awareness of cancer is that they have us thinking constantly about it. Most of my friends are avid readers of books that tout ridding yourself of poverty consciousness or failure mindset. And yet they are constantly talking about their latest cancer screening being negative.

I think cancer awareness programs have created a cancer consciousness which over-estimates our risk of cancer. These programs, I argue, work only for the medical profession. It helps them make their Lexus payments.

I do think most Americans need better body awareness that goes beyond your jeans fitting too tight. And if you sense there is something wrong or don't feel well then see a doctor. But if you feel fine live life to the fullest. Tomorrow you could be hit by a truck.

Sunday, April 5, 2009

Don't take me to a hospital


I think the one thing I most support on President Obama's agenda for America is health care reform. This is the one thing the Republicans seem most opposed to. The are want to say we have the greatest health care system in the world. They obviously have not used it lately.

I just got off the phone with my ex-husband that is on is 3rd week in a wound care hospital after 2 weeks in a general hospital for a wound on his toe that would not heal. He likely picked up the infection in this wound when he was in he hospital for pneumonia. And now seems to have picked up an intestinal infection while at this latest hospital.

Despite definite instructions that he is to be on a diabetic diet (not that rare in wound care facilities) he has continued to be fed pancakes and syrup for breakfast. And is not getting the every couple hour snacks that are essential to maintain a correct blood sugar level.

He just received some of his bills for the first two weeks: $38,000 plus. Now that does include surgery on the wound. Since it was not healing it was necessary to make it bigger. Now he is trying to get out of this hospital and into home health care so he can get away from any other possible infections he might pick up. The doctor agrees but there is a dearth of home health care professionals in our area. Those we did have abandoned it for the more stable hospital salary in light of our current economic issues.

I have my own list of horror stories about medical care. And currently have any number of friends also going through hell in the medical/insurance realm. One is dealing with the aftereffects of radiation treatment she got for cancer. Did you know it can prevent any future skin graphs. Another friend's brother just died from the chemo they gave him for lung cancer. Oh, they cured the cancer but the chemo destroyed his lungs. And for this fantastic health care system, per the Republicans, we pay double what most of the civilized countries in the world do. It is why we are not competitive in the world market on goods we make.

And our insurance companies do not help. They could force medical professionals to hold to certain charges but no. And they could allow payment for holisitic and alternative treatments but no. And they could stop lobbying the Republicans to oppose any reform of health care or health care insurance but no.

So until there is some serious reform do not take me to a hospital. When I had to have my finger reattached they berated me for not getting there sooner. I had spent three hours in the emergency waiting room. And my major concern from the minute the admitted me was what awful bone or blood infection I might pick up there. I think it is healthier to stay away from those places. Certainly cheaper.