ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

We are the new Explorers

Updated on August 19, 2015

The medical world has moved into a new house. We will need to be educated.

One thing is certain for us – we are forging ahead in uncharted waters. The current population over 60 years old is the largest it has ever been. This population has saved for retirement, paid Social Security from the beginning of our work life. We have been led to believe Medicare and Social Security would be there to pickup the modest amount our retirement wouldn’t. While early in 2000 we became aware of some truly misrepresented facts and then when our economy plummeted in 2004, 2005 and 2006, we also became aware of serious problems with our retirement funding. Although we had saved, measured and in many cases met with a financial advisor, we now find some serious problems with our retirement.

This is especially true for those of us expecting to retire on a very modest sum supplemented by Social Security. We had managed our medical care believing that it would pick up the bulk of our medical. And what made all the worse was when we had been given the opportunity to pay into an IRA with tax deferred until retirement. Now what to do, especially for those who do not have a clear understanding of our medical benefits, such as they are, which is very clouded to say the least.

When we were younger and had a medical need we knew immediately who to go to. Our doctor, the one we saw most often, oh sure there might be a time when our medical provider would refer us to the other person while we were in the office. Medications were ordered while we were there and we received information about our condition or routine medical testing while there. Our doctor knew us by sight and would often acknowledge us, even when seeing us out side of his office.

Now fast forward to 2015, if we are lucky we may see our physician once a year. If we are referred it may be 6 months before we see the physician we are referred too. Or better yet, we won’t even see that physician rather we will see the medication nurse or be told to go to the Emergency Room. The physician we are referred to may just refer us on to a surgeon or other specialist. And should we need paperwork signed to get specialized medical equipment, well that will require another medical appointment.

This would be laughable if it weren’t so true. There is a shortage of medical providers in our country. Yes, it is possible that our providers have just decided they are not being paid enough, however here is what is coming to light. It isn’t what medical providers get as income that is the problem, they can even take less and are fine with that, except for the Malpractice Insurance and Medicaid Patients. The new health care provided for Medicaid patients to be spread out across the wealth of providers, and this would provide not only the avenue to refer patients but also, make sure all providers share in the group who couldn’t pay for the services necessary.

Using this blueprint for care that all patients would get the best care possible, well think again. Upon bringing in (or enrolling the uninsured) we now see that the numbers were far greater that was expected, let alone the system was designed to handled. The medical care wave that began with enrollment is now swooping over the ancillary services. While achieving the tidal wave of physician’s running from the care giving rolls, due to the blueprint not providing for Malpractice Insurance we are currently reaching the Pharmaceuticals and moving into the durable medical equipment. There are many reasons why the medical care machine ran aground, primarily due to a vastly underestimated numbers in need. The physicians still practicing are those who need to pay off student loans and those who truly love what they are doing.

There is a ripple of a new way to practice medicine. This is being watched closely by many; fee for service. In other words once the patient makes a decision on the provider – the payment will pay a monthly amount to the provider regardless whether they are seen during that month, alternating with being seen more often when necessary (this is where the decision is made how much a patient will pay during the month. We shall see how often the monthly fee will need to be raised or if the prescriptions for medicine and durable medical equipment will be another monthly fee. Because through all this we must remember that the bulk of the population is moving quickly into retirement and finding that perhaps we could or should have taken better care of our bodies.

The next five years will teach us volumes regarding how and when to look at the manner we apply Medical Care. Should we have Socialized Medicine or continue on the path of those insured have and if not insured do not have Medical Care.


    0 of 8192 characters used
    Post Comment

    • MGWriter profile imageAUTHOR

      Marsha Caldwell 

      3 years ago from Western Washington State

      Dr. Kidd

      Thank you so much for your insightful comments. Many of our neighbors have never had to be responsible for their medical health. They pay for the medical insurance and assume all will be right in the world. The truth is in today's world we must know things and advocate for our own medical care. You are so right in your comments. Thank you for these comments.

    • Dr Billy Kidd profile image

      Dr Billy Kidd 

      3 years ago from Sydney, Australia

      I receive all my treatment at a medical university. They accept all insurance plans except HMOs and non-participating PPO.

      I can see my primary care physician within the week. Referrals take about 7 days. I'm really happy with it.

    • MGWriter profile imageAUTHOR

      Marsha Caldwell 

      3 years ago from Western Washington State

      I hope that each of you are well versed in your person medical issues. If not or this new world is to cumbersome get an Advocate. Our world has changed in shape and size. We must be knowledgeable or find someone who is to help us.


    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)