One of my main issues with the whole Heathcare Reform Bill is with the Mandate of Coverage. That is, everyone is required to have Healthcare coverage. While I have in the past suggested that I would end up being forced to pay for insurance even though i personally don’t believe I need it, this argument is likely false since currently I already qualify for government covered healthcare due to my family income. I am not sure yet if those requirements are going to change under this new plan. The point is, my issue with this part of the reform really isn’t something that likely even affects me in the first place.
I will add though that despite this coverage, I never go tot he doctor and i don’t have any prescription medication. Basically, I don’t use it. If i get sick, i spend a day or two sleeping until I feel better. I very rarely get sick and it doesn’t ever last long. it is my belief that my policy against over medicating has helped my immune system become naturally stronger. Just as working out your muscles make them stronger, letting your immune system get a work out makes it better able to fight infection. The best I ever take is NyQuill, and mostly because it’ll put me to sleep and clear up my sinuses. I also feel that the doctors of this worl have better things to do than have me whine about how my nose is congested or my throat hurts,
I still don’t believe everyone should be required to carry Health insurance. There have been some arguments in the past about how “People without insurance drive up the cost for others”. I really fail to see how this argument works. I heard this argument accompanied with the idea that when an uninsured person goes to the emergency room, then others have to foot the bill. No, the person foots the bill. Sort of like getting car repairs. The doctor will tally up the charges then sends the uninsured person a bill. They can arrange payments or just pay it off. Simple.
Then there is the push to force the younger, healthier, generation of people less likely to have insurance into being forced to carry. The idea is basically, to subsidize the elderly. The young people pay in but they are much less likely to cash out. So the insurance companies can use this extra income to better distribute the overall cost across all of the people lowering the insurance costs for older people who likely live on a smaller fixed income. As noble as this seems, there are many much better ways to decrease the cost of medical care. This subsidy isn’t even likely to work in the long run. Sure, we’ll initially get a token drop initially but what’s more likely to happen is that rates overall for everyone will simply go up. Also the margin of difference will be as close as possible to the supposed limit of 4x the cost for the elderly vs. the young, i can pretty much guarantee that. And that’s not saying the young will end up with cheaper rates, that’s saying the elderly will still be over-charged.
So what’s a better method to reduce costs? How about better regulation of pharmaceutical companies and pointless lawsuits over everything. Pharmaceutical companies often push doctors to prescribe their drugs through various forms of gifts and kickbacks. This means many unnecessary sales of drugs that must be paid for by the insurance companies. It also goes against the idea that sometimes you just need to let your body heal itself naturally. Antibiotics are so overused that they are losing their potency as infectious diseases become resistant. I’m not saying every drug is unnecessary, I’m saying that sometimes all we really need for our cold is a bowl of chicken soup and a good nap. Also, as unpleasant as it is, vomiting when sick is actually good for you. It’s part of your body’s way of expelling things that it doesn’t like.
Then there are drugs for the mind. Drugs that help keep us “mentally right”. Of all of the medical industries in the world, this one is the biggest scam ever. Have you ever really listened to the commercials for depression drugs? The “symptoms” of depression are 90% things that occur to everyone 90% of the time. They often contradict each other in the same list in order to help cover everyone. The whole point is to convince people that “hey, i might be depressed, I should get some Symbalta/whatever.” Guess what, everyone feels down sometimes. That doesn’t mean you need to keep yourself doped up one drugs constantly to fix some “problem”. Chances are you just need an outlet for your irritations and anger to keep yourself balanced. I recommend blogging personally.
I mentioned above the other issue with healthcare cost being needless lawsuits. A recent (4-5 weeks ago) episode of NoAgenda had commentary from a doctor about how a girl had been brought in for an injury and the doctor did not feel that a CAT scan or x-ray were necessary to diagnose any issues after examining her. The father said that if the doctor did not perform these tests that he would sue the doctor if any problems came in. The doctor’s response was essentially “Why would I recommend against this, there’s no loss to me, I get paid more for the added procedure, and I eliminate the the threat of a potential lawsuit”. Though he also pointed out that the radiation, though minor, could cause long term damage to the girl. On the other hand, it would be far enough in the future he’d never end up being liable for the damages.
This is the sort of pressure faced by our healthcare system’s employees. When a doctor can be held liable for birth defects of a baby, defects that likely couldn’t even be predicted and even more likely were caused by either genetics or something the mother had done (like unnecessary CAT scans), then we are working with a broken system. When a doctor can be held liable for looking out for the long term interest of a patient vs the short term panic, then the system is broken. I believe this is also part of why medication is over prescribed. Better to give some treatment than none at all, you might get sued. Even if the doctor wins the suit there is still an exorbitant cost involved with time and money to work through a legal system that’s designed to work in favor of those with money to burn.
One last note, back to the issue of required carry. You could equate this to auto insurance, after all, you’re required to carry auto insurance if you drive right? The thing is, you have the option to not drive if you so choose. You don’t have the option to not live. Ok, technically you DO have that option but what kind of a choice is that really?
I am not opposed to healthcare reform, or the idea of a government run healthcare system, I simply feel that this new law is going about things in a manner that, in the end, is going to do more harm than good.