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post #1 of 21 (permalink) Old 09-27-2009, 11:01 PM Thread Starter
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Rx for Failing Healthcare System

Can you imagine the cost of car insurance if they covered gas.......


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post #2 of 21 (permalink) Old 10-02-2009, 09:19 PM
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Re: Rx for Failing Healthcare System

I didn't know where to post this so I just posted it here. And I really don't have an opinion on this matter, I'm just posting it as it seems relevent.

I date a seemingly young healthy woman that is studying to be a Traditional Chinese Medicine Doctor at a 3 year post graduate school. Basically she is a Grad student that supports herself but not very well. She has no family in this part of the country.

Right before I met her a few months ago, she passed out during a Yoga class. The next day after continuing chest pain she drove herself to the local county hospital where she was hospitalized for 5 days where they ran a series of tests. They let her go saying she needed to see a cardio specialist but they could not clarify what was wrong (if anything). She had a $16K bill which she has/ had full intentions of paying off but w/ no real plan on how to do this. She previously had good credit but since then her credit is now wrecked.

She has considered trying to purchase Health Insurance (about $450/ month w/ high deductible, almost 1/2 of her pretax income) but soon realized that if she really had a heart problem she would likely be disqualified due to it being a pre-existing condition.

So this young, slender, healthy eating, intelligent woman walks around full time w/ a chest that aches all day not really knowing if it's harmless or if she will just drop dead from it. (she also has erratic pulse and BP)

So what does she do?

Ultimately, she will not be able to pay these bills back anytime in the next 5 years and our property taxes will be used to pay for the shortfall and the uninsured at the County Hospital. Of course an ER visit costs much more than it would have if she had just been able (w/ insurance) to go and see a specialist. What is the solution? Debtors prison for those US citizens that get sick and can't pay for it?

I'm really curious what people would do in her situation?

Thanks.

I'm officially...Stroke-less.
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post #3 of 21 (permalink) Old 10-02-2009, 09:42 PM
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Re: Rx for Failing Healthcare System

Suns is the person in this post really your girlfriend? Or is it some random thing you found on the net. If so did she actually look into any plans and discuss her heart issue? Denying coverage for that is highly unlikely. Especially if 6 months has passed.

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post #4 of 21 (permalink) Old 10-05-2009, 04:25 AM
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Re: Rx for Failing Healthcare System

suns makes a good point with this example, unfortunatly with a free healthcare system she would end up dying from a heart condition long before she could get in to see a specialist. The way healthcare stands now i would rather have the debt and know there was an emergency room to go to. Your life is worth way more than your credit score.

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post #5 of 21 (permalink) Old 10-05-2009, 11:28 AM
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Re: Rx for Failing Healthcare System

A friend of mine is a doctor, and the hospital where she works at has one MRI. If you come in for an MRI via the emergency room, the bill for the MRI goes up by $2000. No kidding, she told me this the other day as we were talking about health care and my recent trip to the ER. Same machine, same everything... the hospital charges $2000 more for the identical proceedure simply if the patient came in through the ER. Other medical proceedures are treated the same way.

Speaking of my ER trip... I get a 40% discount if I pay cash rather than using insurance.

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post #6 of 21 (permalink) Old 10-05-2009, 12:39 PM
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Re: Rx for Failing Healthcare System

Quote:
Originally Posted by Pocket View Post
A friend of mine is a doctor, and the hospital where she works at has one MRI. If you come in for an MRI via the emergency room, the bill for the MRI goes up by $2000. No kidding, she told me this the other day as we were talking about health care and my recent trip to the ER. Same machine, same everything... the hospital charges $2000 more for the identical proceedure simply if the patient came in through the ER. Other medical proceedures are treated the same way.

Speaking of my ER trip... I get a 40% discount if I pay cash rather than using insurance.
Doubt that it has anything to do with uninsured or illegals using the ER for their family doctor where the hospital gets no money does it? The discount of 40% for cash is screwing you as well. The hospital will make more money of the visit if you pay for it yourself and don't use your insurance. Look at your EIB's, Blue cross rate is about 1/2 of what is billed. Why hospitals just don't charge a realistic rate for sh!t in the first place is beyond me? $10 for 2 Tylenol? You can buy a bottle of 250 at Walmart for that.
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post #7 of 21 (permalink) Old 10-05-2009, 01:28 PM
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Re: Rx for Failing Healthcare System

Quote:
Originally Posted by ducatirider944 View Post
Doubt that it has anything to do with uninsured or illegals using the ER for their family doctor where the hospital gets no money does it? The discount of 40% for cash is screwing you as well. The hospital will make more money of the visit if you pay for it yourself and don't use your insurance. Look at your EIB's, Blue cross rate is about 1/2 of what is billed. Why hospitals just don't charge a realistic rate for sh!t in the first place is beyond me? $10 for 2 Tylenol? You can buy a bottle of 250 at Walmart for that.
There is a very good reason for that. You arent just buying tylenol for that 10 bucks. You are also paying the supply staff who got it and the nurses wages for administering it. I would say thats more than fair.

Those of you that think that private hospitals, clinics and other emergency services should be non profits are nuts.

Now if you are in a county hospital or otherwise taxpayer funded hospital thats different as long as you are a legal resident and pay taxes in that county.

There is also a reason that insurance companies get a lower rate. for services. They pay by volume. And the hospitals know they will get paid. Unlike when Joe illegal goes to the ER and doesnt pay. Thats the reason most hospitals give a 40 to 50% cash discount to those that actually pay for their services. That way you are paying a comparable rate to someone that has insurance

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post #8 of 21 (permalink) Old 10-05-2009, 01:42 PM
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Re: Rx for Failing Healthcare System

I think the only way we should let the Government step in and supply health care insurance is,
Either give us the same health care that our elected leaders have, or
make our elected leaders take the same health care they are wanting to give us.


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post #9 of 21 (permalink) Old 10-05-2009, 03:24 PM
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Re: Rx for Failing Healthcare System

Yes, this is a real story about a woman I date and is 100% accurate. I thought that was clear by what I typed. I don't print made up stories that I find on the internet to attempt to support opinions and spread rumors.

Sorry, but I don't buy the notion that she would die due to lack of healthcare if she was covered under a public option. Medicare and the VA take very good care of our elderly and our soldiers and private insurance commonly turns denies needed medical care to the insured. Including me which is why I have to order my needed pituatary gland medication from India (my full coverage insurance will not pay for the medication) . So this notion that private insurance is somehow better for your health is ludricous. You can argue about cost to taxpayers (even though the public option as proposed is 100% funded thru collected premiums) and the proper role of government in healthcare but the argument about the quality of care is just BS.

Interesting side note- When Bush was governor in TX in 1999 he signed a law that allows a panel of Doctors to decide against a families wishs to discontinue medical careon the critically ill. It's a real Death Panel and not the ones made up in the blank region which occupies the space between Palin's ears. I'm not even saying I disagree w/ Bush's decision I'm just pointing out the reality that Bush signed a law allowing a real death panel, never mentioned by the right. All the while the right continues to make up things about a death penalty in the health care proposals that the left brings forward.

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post #10 of 21 (permalink) Old 10-05-2009, 03:43 PM
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Re: Rx for Failing Healthcare System

Suns Obviously you dont deal with medicare much if at all. Its piss poor. And there are a ton of hoops to jump through. Especially on medications and surgeries. I have a very close friend on medicare thats in need of a liver transplant. Medicare says they will not pay for it. Even though he's had 3 positive donor matches over the last few months. One of them being his own son. The government said he cant have his own sons liver because his is too high risk

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