- Jun 23, 2009
- 1,484
- 13
- 151
Beak, I'll agree with you on a lot of points.
Health care and insurance costs are ridiculous. My employer converted me from "permanant staff" to "consultant" a while back when the economy got really ugly, so I had to get COBRA, and it's my second-highest expense after my mortgage ... and that's for a policy with a $2k deductible that I never meet, so I essentially shell out nearly $12k a year for the "just in case I need more than $2k in health care a year" policy until I can find something better.
The plan I was on before that was almost as bad ... $1500 for the deductible, and they would randomly deny line items and not even count them towards the deductible unless you wasted hours fighting them. They didn't have to keep me happy to keep my business, my employer was the customer. I was just a cost to be contained.
I've gone over my deductible twice in twenty years (thank heavens) ... the two years our children were born. Other than that, it's been a lot of money spent on a what-if and just-in-case.
With all that said, at least I *have* health care. There are millions who don't. My point is that health care is broken at both ends of the spectrum. The people who have it are not getting much health care for the money spent, and the people who don't have it are in a very bad spot indeed.
I wish I could offer up an answer as to how to fix the mess, but I am at a loss. I've seen socialized medicine, and it is mediocre at best. The solution we have today diverts far too much money to pushing paper around, and very little to actual health care.
Perhaps the threat of the government getting into health care will scare the private sector enough to get them to clean up their mess. On the other hand, if you think medical billing is a mess now, wait until the government is doing it ... there's nothing so
'd up that the government can't
it up even more!
Health care and insurance costs are ridiculous. My employer converted me from "permanant staff" to "consultant" a while back when the economy got really ugly, so I had to get COBRA, and it's my second-highest expense after my mortgage ... and that's for a policy with a $2k deductible that I never meet, so I essentially shell out nearly $12k a year for the "just in case I need more than $2k in health care a year" policy until I can find something better.
The plan I was on before that was almost as bad ... $1500 for the deductible, and they would randomly deny line items and not even count them towards the deductible unless you wasted hours fighting them. They didn't have to keep me happy to keep my business, my employer was the customer. I was just a cost to be contained.
I've gone over my deductible twice in twenty years (thank heavens) ... the two years our children were born. Other than that, it's been a lot of money spent on a what-if and just-in-case.
With all that said, at least I *have* health care. There are millions who don't. My point is that health care is broken at both ends of the spectrum. The people who have it are not getting much health care for the money spent, and the people who don't have it are in a very bad spot indeed.
I wish I could offer up an answer as to how to fix the mess, but I am at a loss. I've seen socialized medicine, and it is mediocre at best. The solution we have today diverts far too much money to pushing paper around, and very little to actual health care.
Perhaps the threat of the government getting into health care will scare the private sector enough to get them to clean up their mess. On the other hand, if you think medical billing is a mess now, wait until the government is doing it ... there's nothing so

