National Healthcare - A Convoluted Suggestion

57
rate or flag this page

By The Phantom Blot


Garnishing wages to ensure healthcare, protecting the public or robbing the poor?

With Edwards out of the race, Clinton is now free to steal his own proposals. It doesn’t seem like much of a coincidence that weeks after he departs the race, she is suddenly expressing a willingness to garnish people’s wages to pay for healthcare. She claims this would only happen to those that can afford to pay. But we really need to consider how hard the government works to ensure that Americans can afford what they think they can afford. What she says in this video sounds very nice, but she fails to address some things I find important. Will the uninsured with pre existing conditions be able to purchase insurance, as they now can't unless under the blanket of an employer?

image from http://www.pnhp.org/images/cartoons/hightower_cartoon.gif


Personal experience

I myself, due to the illness of my husband, have been forced to economize and utilize government programs. Unfortunately, all the programs that I really could have used at the time were not available to me. Why weren’t they available? Well, because before this time, we were financially very stable. We had built a house, owned land, and two running cars. We also had a savings account which they deemed quite healthy, in reality, it would pay the mortgage and car payments for one month. All of these things were held against us and we were denied these services, never mind that they were being offered to people who were making no effort to improve their lot, or get off the illegal drugs they were addicted to. All that mattered was that we were trying and that was held against us.

So how would Hillary’s plan determine who can afford to pay for insurance? Is this plan going to consider how much the individual pays out in loans acquired prior to their lapse in coverage? Is it going to consider the cost of living where the individual lives, or have a baseline at which point all must be enrolled? Even I, country bumpkin that I am, know that there is a massive jump in the cost of living in say, Ohio and the cost of living in New York. Maybe it will be as successful at no child left behind?


Is this guy gonna have his wages garnished?

Single payer national healthcare

Clinton, Obama, and all of the Republican candidates fall short of my idea of a good healthcare plan. Why can’t anyone propose a single payer plan? This is how Medicare is run, and it works just fine. In fact, Medicare is about the best argument we have against those that say national healthcare will ruin the quality of healthcare. But consider how many hospitals would be going bankrupt if they weren't overrun in the emergency rooms. What if they were paid for everyone treated, and those in the emergency rooms had actual emergencies. In fact, a single payer national healthcare plan would probably work just as well as Medicare if properly funded. Americans have money deducted from every paycheck to pay for Medicare when they aren’t even receiving the benefit of it, wouldn’t they be even happier if such a deduction came with a benefit?

The truth is that there won’t be single payer national healthcare programs because it would not benefit the insurance companies, which is what we all really care about right? Consider this, the cost of a CT scan is not determine by, oh say, how much it costs to run and read a CT scan, rather it is determined by what company insures the patient. As in patient A insured by insurance company B allows X amount for a CT scan, so they are charged X amount for the scan. However, patient C who has insurance company D is only allowed Y amount for a CT scan, so patient D will be charged Y amount. I guess that means the hospitals are shooting themselves in the foot. I’m sure they are only overcharging to pay for those ER patients that can’t pay right?


Check out Blast The Right

Convolusion and conclusion

By now you’ve probably figured out that I’m running in circles. The cost of healthcare is exploding. Companies justify it with the cost of new tests and treatments. I suppose negotiating a better price for these tests and treatments is out of the question. Doing this might take a chunk out of the profit margin of the companies offering the tests and treatments. We all know the drug companies simply can’t afford another financial hit. They need to keep that money to pay for the lawsuits caused by they drugs they forced onto the market knowing full well they had dangerous side effects.

As for doctors, for the most part I have respect for them, I really do. They spent loads of money going to school and invested a good part of their brain in it too I imagine. But I’ve had enough of putting these people, yes people not gods, on a pedestal. Tell me this, why are they accepting bribes from drug reps? What benefit is there to the patient when a doctor is wooed by a drug rep and a fancy dinner? Do they really need those free pens and notepads? I wasn’t aware the budget was so tight that they couldn’t buy their own. Shouldn’t they be more concerned about what is in the best interest of the patient?

And so I come around again. Really, the only conclusion I can reach is that a single payer national healthcare is the only solution that can fix the majority of these problems. Politicians won’t be suggesting it though, so don’t look for it. Also, don’t credit me with the single payer national healthcare idea I've just mentioned, thank the host of Blast The Right podcast, the man does his research.

Use these if you don't have healthcare

Farouk CHI 1 Inch Ceramic Flat Hairstyling Iron Farouk CHI 1 Inch Ceramic Flat Hairstyling Iron
Price: $47.99
List Price: $190.00
Omron HJ-112 Digital Pocket Pedometer Omron HJ-112 Digital Pocket Pedometer
Price: $21.97
List Price: $34.99
Braun Clean & Renew Refills (3 Pack) Braun Clean & Renew Refills (3 Pack)
Price: $11.00
List Price: $18.99
Waterpik Ultra Dental Water Jet Waterpik Ultra Dental Water Jet
Price: $47.73
List Price: $59.99

Comments

RSS for comments on this Hub

Mystic Biscuit profile image

Mystic Biscuit  says:
2 years ago

Great thoughts Phantom.

I agree that no one has the right idea that will actually solve the healthcare issues facing this nation. I am not sure what the answer really is, but I am of the opinion none of the candidates have an inkling of what this will really take. (Although after Hillary's feeble attempt in Clinton's first term, one would think she would have a clue - but alas, it does not appear so!)

 I also believe people should have some responsibility for their healthcare - "Free" just means one more entitlement of which many people will just take for granted and abuse, thus costing hard working tax payers a heck of a lot more than it does now. I also believe a families shouldn't have to sell off all their assets and be living on the streets before they can recieve assistance!!

One detail to clarify for you - hospitals must charge every patient the same price for the same test. (This is an agreement with the federal governemnt to recieve Medicare dollars) The difference comes in what a hospital accepts as payment from the insurance company (or Medicare) and consider the bill paid in full.

The rub comes when a patient is uninsured. (Or as we say, "self pay.")

While a CT scan may cost $1500 (just pulling random numbers here) and the person with insurance is charged $1500 and the insurance contract with that hospital will allow $800 for that scan, the hospital is paid $800. Done. Paid in full. No further charges. 

However, the person who is self pay is also charged $1500 for the CT scan and is expected to pay the entire $1500 for the scan. The difference, of course, is this comes from out of their own pocket. A pocket which is devoid of a lot of fundage in the first place.

It is indeed a convoluted problem. While just being human makes us deserving of access to good healthcare, it does not give any of us the right to be able to access good healthcare.

I am not saying changing this would be wrong - it would be wonderful. But it is a very difficult problem. We can only hope someone will come up with a fair and right way to resolve the healthcare dilemma.

robie2 profile image

robie2  says:
2 years ago

Health care should be seen as a basic service-- not as a profit center. Healthcare is not a product, it's a basic human right. Socialized medicine is not a dirty word. You may have to wait six months for a knee replacement in Britain, but at least you can get it! You don't end up in a wheel-chair because you couldn't afford the operation. Don't know what will happen but it is a scandal that the richest nation in the world ranks 88(right above Slovenia) in infant mortality. Shame on us.

The Phantom Blot profile image

The Phantom Blot  says:
2 years ago

Mystic, thanks for setting me straight on the costs, my information was derived from a conversation where I was unfortunately unable to follow up with questions. You delivered the point ten times better than I did!

Robie, you are too correct, healthcare should not equal profit. However, from my conversations with people in countries that have national healthcare (Canada, UK, Australia) the idea of unrealistic waits seems to be more a myth than anything. Probably lies spread by our own wealthy insurance companies. America does not have the best healthcare system in the world.

robie2 profile image

robie2  says:
2 years ago

you said:"America does not have the best healthcare system in the world. " and I agree 100% and it's getting worse all the time. I sprained my ankle 3 years ago in Iceland--went to hospital, was seen within 10 minutes, had 4 x-rays and examination by excellent, English speaking physician--total cost? $50.00. I charged it on my credit card. It would have been 20 times that at my local emergency room and taken 10 times as long. Like I said-- socialized medicine is not a dirty word. Keep up the good work Phantom:-)

The Phantom Blot profile image

The Phantom Blot  says:
2 years ago

Thanks robie!

jormins profile image

jormins  says:
2 years ago

One thing that puts me over the top for Obama's plan is the fact that he owes no big business any favors. To me for universal healthcare to work we have to make the costs reasonable. Hillary with all her PAC money and pharmaceautical companies behind her might have a tougher time (such as in '92 when they couldn't get it done with a majority Congress).

The Phantom Blot profile image

The Phantom Blot  says:
2 years ago

I agree, but don't think he does't owe favors. His 100 million didn't all come from people like you and me. He has received from sizeable donations.

robie2 profile image

robie2  says:
2 years ago

Seems to me the only way it will work is to get the insurance companies and big pharma out of the picture and the only way to do that is with a single payer, gov. run system.

Submit a Comment

Members and Guests

Sign in or sign up and post using a hubpages account.


optional


  • No HTML is allowed in comments, but URLs will be hyperlinked
  • Comments are not for promoting your hubs or other sites

working