ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Cause of Death: Lack of Insurance

Updated on August 22, 2011

I was looking through the newspaper yesterday and stopped at the obituaries for a moment. Not something I do normally but I stopped and read, none the less. My mind began wandering a bit as I read the reasons for the people dying. I could not help but wonder how many of the causes of death could have been listed differently. By that, I mean to say, how many could have said "Died due to poor or lack of Insurance coverage."

That may look a bit strange but in truth, it is becoming less strange each day. Though it is true that hospitals can not turn you away for lack of insurance, by law, they need only get you stable enough to move you to another Medical facility. If your insurance coverage isn't enough or if it isn't the type that a hospital accepts, your treatment may become less than adequate. The length you are kept in the hospital might be lessened and the care you receive could dramatically change due to the Insurance coverage you have.

People may think that there is No way that a hospital would ever treat you differently based on insurance coverage. I am sure that many Do in fact trust that when they go to the hospital or a doctor, they are going to get the very best care. I am here, having lived the "insurance roulette" game, to tell you that your Policy DOES matter. The hospitals that may accept "lesser" coverage are very often under-staffed and have less than the full supplies of medical equipment that may be needed to treat someone. The medical staff may be well educated but minus the proper staffing or medical supplies, your chances for a good, safe recovery are much slimmer.

How many times have you, yourself, waited longer than you would have liked to have to visit your doctor because of the bill that would follow the visit? Have you steered clear of the E.R. when you probably should not have, based solely on the fact that your insurance didn't cover certain things? Even our children are put at risk because of ther lack of or lesser insurance coverage we may carry. We live in a country over-saturated with the best medical facilities and doctors in the world. If we can't use them or can't be treated because of insurance issues, then it is like having water in the desert that you can not drink. Worthless to anyone.

We make life choices all the time and I did the very same thing for twenty years. My wife became ill 1 year after we were married and for the next 25 years, she was in and out of hospitals no less than 2 or 3 times a year and sometimes more than 10 to 15 times a year, with her stays being as long as a year sometimes. The first few years, her treatment was the best of the best. She was always given all she needed to survive an illness set on killing her long before her time. As medical bills grew and insurance companies paid for less and less, there were choices to be made.

I chose to pay what I could and get loans to pay off as much as I could and the rest...??? The rest sadly became "bad credit" that would haunt her and I for the rest of our lives together. A credit rating that still, to, this day, follows me where ever I go. A bad choice for us? Absolutely not. I would do the same today if she were still alive. But as her insurance was eaten up, a million dollar policvy and two 500,00 dollar supplement policies, so did the places we could take her to be treated. Her treatment and her chances of surviving became harder and harder to achieve.

We, as a people, need to come together and be sure that NO ONE ever is given less than the full treatment they need to survive or to pass on with as little pain as possible. It is becoming more an more important as the return of childhood diseases we have not seen in decades, make a come-back. Insurance company's and Uncle Sam need to BACK OFF and let the doctors and hospitals decide what is best for the patient. If they can't do that, then make our medical coverage good, no matter where we take our families.

When the cause of death is given as "did everything medically possible but couldn't save them", then I will know that we have fixed the issues we have with our Medical Insurance here. Don't let it state "Cause of Death"...Insurance issues. Let's make it right for our loved ones.


    0 of 8192 characters used
    Post Comment

    • Dday50627 profile imageAUTHOR

      Darrel Day 

      7 years ago from Iowa

      rjsadowski... I am saddened by your brothers death and at a young age. The truth is far to visable to escape the eyes of those that are in the power to fix the issues. I do firmly believe that there are far more deaths due to lack of insurance or the lack of coverage that would take a person to the healing point. Perhaps if this is kept more in the people's eyes, we will stand as a people and cause the changes to be made that are needed to assure that it isn't a "cause" of death.

      Thank you for writing and showing that this really Does exist today. Darrel

    • rjsadowski profile image


      7 years ago

      My brother died too young because of lack of insurance. He worked as a handyman at restaurant in a small town and had no insurance - he couldn't afford it. He had high blood pressure most of his life and couldn't afford to see a doctor or buy medicine. One morning he dropped dead while working - at age 64.

    • Dday50627 profile imageAUTHOR

      Darrel Day 

      7 years ago from Iowa

      thank you very much for reading this. I think it effects more than we want to know...

    • Paradise7 profile image


      7 years ago from Upstate New York

      I understand how you feel, and know there are many people in the same boat.


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)