Tuesday, 18 August 2009
-
Universal Healthcare: who would God Deny?
With the rising cost of health care and prescriptions, many people are caused to go without preventative or immediate care for illnesses they have causing progression of the disease or even worse death. Even if the care is offered the person is denied by their medical insurance if they are lucky enough to have insurance due to their qualifying health questions. We are taught to love our neighbors as our selves and to help our fellow man or woman.
So the question is who would God deny? Who is unworthy of lifesaving medical care?
Some of you may know that March 2007 I was hospitalized with pneumonia. We had insurance (crappy insurance) but of course the insurance doesn't cover everything. The bills started coming in. We called the hospital to set up payments. We were told that they don't do payments. They wanted all the money in one payment. We didn't have that type of money. They had the nerve to tell us we should put it on a credit card. (We don't do credit cards.) So they ended up sending us a letter telling us we were banned from the whole network (that is all the doctors in this area and the hospital). The bill was sent to collections which were very nice and allowed us to set up payments and the bill was paid off.
This whole experiences really made me think.
There are many people dying because they can not afford the treatments that they need. There are people loosing everything to pay for the treatments they need. All this is happening here in America.
One-fifth of all Americans, 48.8 million individuals, were in families spending more than 10% of their family income on healthcare in 2003, an increase of 11.7 million persons since 1996. Of these, 18.7 million (7.3%) were spending more than 20% of family income, a figure normally associated with home ownership. The percent of middle-income Americans (22.7%) spending over 10% of their income on healthcare was almost identical to the percent of low-income Americans (23.7%) on healthcare (JAMA, Dec. 13, 2006).
Half of all personal bankruptcies are caused by illness or medical bills. The number of medical bankruptcies has increased by 2200% since 1981 (Health Affairs, February, 2005). Two-thirds of people with a medical bill or debt problem went without needed care due to cost (Commonwealth Fund,Aug. 2005).
Nearly 30% of low and middle-income households with credit card debt cite medical debt as a contributing factor; 69% of those had a major medical expense in the previous three years (Borrowing to Stay Healthy: How Credit Card Debt Is Related to Medical Expenses, Demos,The Access Project, January, 2007)
Uninsured, national — 46.8 million (15.9% of the population), 2005, up from 45.3 million in 2004. Hispanics highest rate of uninsured – 32.7%; African-Americans, 19.6%; Asians, 17.9%; whites, 15%; children, 11.2%; middle-income ($50k–$75k), 14.1%; work full-time, 17.7% (U.S. Census Bureau). 82 million, or one in three non-elderly Americans, went without health insurance during 2003–2004 (Washington Post, Dec. 13, 2006).
Lack of health insurance causes 18,000 unnecessary deaths every year (Institute of Medicine, January 14, 2004), the equivalent of six times the number who died in 9/11. (Louisville Courier-Journal, Jan. 30, 2006)
Underinsured, national — 17.1 million people under 65 in 2003 (JAMA, Dec. 13, 2006). "Underinsured" person defined as someone with health expenses exceeding 10% of his or her income. Among the underinsured, 38% did not fill prescriptions due to cost, 32% went without seeing a doctor when needed, 30% avoided medical tests, treatment or follow-up care. 18% declined care from specialists. 46% reported being contacted by a collection agency about unpaid medical bills. 35% reported changing their lifestyle to cover medical expenses (Health Affairs, June 14, 2005).
The United States is the only wealthy, industrialized nation that does not have a universal health care system.
Whether a government mandated system of universal health care should be implemented in the U.S. remains a hotly debated political topic. What are your thoughts?
Are you for Universal Health care? Why? Are you against it? Why? Do you have insurance? Any insurance horror stories?
Post a Comment
- Back to healthkicker's Healthkicker Site!
- Note: your comment will appear in healthkicker's local time zone: GMT -05:00 (Eastern Standard - US, Canada)




True
Lifetime









Comments (23)
I have insurance and it's terrible. I wait MONTHS to be seen for non-emergency things.
So I figure... if private insurance is already like this, and we're already paying a ton in taxes... the least we can get out of all this is free healthcare!
I'm all for it!
Again, wonderful post. I won't leave my super long comment again, but I will say that with my expensive and supposedly top-rated plan, I spend nearly half of my income on my medical care, and consistently get screwed over by the system. We need reform and we need it now.
And I say again - I'm not Christian, but I believe in God, and according to the Bible, Jesus cured lepers, the poor, the untouchables...do you think THESE people would have insurance if they were contemporary Americans? Definitely not. So I think it's quite clear what God's stance would be.
This has been posted EVERYWHERE !!! well, i dont really like the idea of paying for soemone else but if I want damn health care then the next Joe should get their fair share too.
@laurasaywha@xanga - Well, you wouldn't be paying for anyone else, everyone would be paying for eachother. So, someone else would be paying for you. To me, I think I'd be grateful for that fact, and I'm sure millions of people would, too. :) Just my two cents, though.
I want universal healthcare so badly to happen. I'm currently uninsured and I just broke my ankle on the job. It's sad, because the first thought that popped into my head when the doctor told me that my ankle was broken was, "Oh my god. I'm so glad it happened at work." I'd be severely screwed if I broke it while at home.
I don't see why there are people who don't like this plan. From what I understand about the proposed idea is that if you're uninsured, you get a government run health-care plan. If you're already insured and like it, you can keep it. So everyone wins, right? If someone can enlighten me on why they don't like this plan, or if I'm mistaken on how I read the proposed plan, I'd love to hear from you. :)
Also, my cousin broke his jaw in two places a week before his health insurance kicked in at work. He ended up going bankrupt due to how big the medical expenses were, and he's only 23. Personally, I think the U.S. should waive bankruptsy due to medial expenses, especially if they're not giving the people who can't afford it anything else to fall back on. It's just not fair. And to think the U.S is supposed to be the greatest country in the world, yet it can't take care of its people properly.
Health care for all is something I'm
familiar with in the UK and want to
give you a different view on the subject. We
have the NHS (National Health Service) The NHS has +ves and -ves. Positives
amongst other things are: excellent service for emergencies, long term
treatments available, reoccurring illnesses are not a problem, the ability to
be able to afford treatments is not an issue....
Negatives are: it's a bloated, inefficient badly run organisation that is in
desperate need of an overhaul. The more money that goes in to it does not
translate to a better quality of services (just more middle management, more
bureaucracy and more criminally minded private companies making a lot of money
from cleverly written contracts - I can explain more if ur interested). The NHS
is one of the biggest employers in the world...scary when you think how small
the UK
is. There are 1.4million workers which equates to nearly 5% of the adult
population... a good way for govt to "fudge" employment figures too
but like I said talk about "bloat".
Comparing a privately run company with ANY govt agency/division/org is almost
laughable. A few ways the differences can be summed up but the most noticeable
one is:
Private Vs Govt:
Private companies reward their employees for saving money. Govts rewards their
staff who spend more money (i.e. budgets are matched or increased the following
year)
this makes a huge difference. I think there are ways to address the
problems which would be to have a more private company management team, with
private company ideals/efficiency/programs and so on. Coupled with the
"heart" of the NHS I think would be great. The biggest private health care company in
the UK
is BUPA. BUPA make a profit. Their hospitals are nice environments (not
hospitally at all), well run and offer a level of service that is exceptional.
Now, I know they don’t have long term health sufferers in quite the same way
that the NHS does but it's true to say that with a bit of govt subsidising to
support long term illnesses and the reinvestment of profits the BUPA model
could be replicated across to the NHS.
Didn't we just read this post? By this author? On this blog? What, are we into re-run season?
The issue is not the health treatments, or the hospitals. By federal law they have to see you and treat you at an emergency room. The Doctors and staff are just as professional and courteous whether you can pay or not.
The issue is in billing. One set of charges if you have insurance, one if you don't. Hospitals are businesses. They bill for their services. If you can't pay, get a loan, use your charge card, etc. They are not a financing company or bank or credit union. They have no obligation to give you time payments, interest free, reduced fees, etc. They have light bills, supllies to purchase, staff to pay, etc., just like any other business.
Unless you have been living in a cave, you are well aware that the U.S. Insurance and health treatment payment system needs reform. What it doesn't need is to be discarded, replaced with government sponsored socialistic health care, and destroy our entire system in the process. Obamacare is a train wreck. He is not being honest about what is in the bill. It's the spaghetti approach; throw it all against the wall and see what sticks. This is NOT a well through out, deliberate approach to reforming or regulating some of the costs associated with health treatment in this country. Most of the sponsors haven't even read the bill. Takes nearly three days to do it. And make no mistake, it is government rationing of health treatment services, with politicians and bureaucrats deciding who gets what care and how much.
Government intervention into insurance and pharmaceutical industry practices and related costs and charges are what is needed. Starting with the tort lawyers who sue for any and everything, and drive the costs of doing business through the roof. But wait, most of our politicians and Senators, Congressmen, etc., are lawyers. And the trial and tort lawyers organizations have those folks in their pockets. They are not going to bite the hand that feeds them (and funds their campaigns for re-election)
It really is that simple. The problem is greed and power. It always is. And the little guy pays the price and sacrifices. Even with all that, we still have the best health treatments in the world, unless you live on an Indian reservation. There's your good example of Americanised Socialistic health care. Rationed care, waiting lines, crappy equipment, understaffed and underfunded clinics, etc. Need a hip replacement? Take an aspirin. Swelling in an arm or leg? Instead of a CAT scan or PET scan, to find the true source, lets just prescribe Motrin. Never mind it may be early stages of cancer, or gout, both of which are treatable, especially if detected early.
Most of your statistics are right out of the left wing liberal playbook.
The fact is, Walmart and others have most of the medications the average person needs, at $4 per prescription. Less than the cost of a pack of cigarettes. If you cannot afford health care, most counties have clinics for low income people. You can get your routine shots, immunizations, etc. Our City Mission even has a health screening and health care clinic that is totally free, and they don't check your finances. There are time when you have no choice, are transported to a hospital (car accident, heart attack, stroke, ruptured appendix, etc.) and have to deal with the bills. Not fun. But they didn't ask you to come in, either. When that happens, at least you are going to get the care you need, whether you can pay for it or not. Not so in other countries.
Most of your statistics point to problems with insurance and payment, not the care or facilities. That is the issue, and what Obamacare is proposing is nothing more than a blind power grab by liberals to have more control over your lives. Do you realize the amount of power you are giving them? The amount of control? This stretches way beyond health treatment and care. Ride a motorcycle? Live in a state with no helmet law? Not for long. That will quickly be implemented nationwide because it is a "health risk" to not have a helmet on. Since the govt health care will have to pay when you crack your skull in an accident. Mandated seat belt laws, primary offense. Mandatory air bags, thus eliminating older cars that don't have them. Surcharges for driving over a certain number of miles, (high risk for accidents) you name it, it can be stuck under the government controlled umbrella of "health care".
We just saw how well thought out and efficient the government is in dealing with things with the "junkers and clunkers" program. The funding was supposed to last 3 years, it lasted 3 months. They had to throw another 2 billion into the program. And they didn't even limit it to mandating that your replacement new car was American built. (Hello Chrsyler and GM, need more sales?)
Thos of you who think the initial proposals they are presenting are the total costs, are either incredibly naieve or stupid. This is the foot in the door. Once they get in, then it will expand exponentially. And the costs will go through the roof, many times what is projected. Think about that. Almost every government sponsored program has exceeded projected costs, and by many times over. When was the last time a government proposed program was implemented, worked as designed, and came in at a lower than projected cost? Private industry does that all the time, it is called competition...
If we vote this thing in, give our control away to the government, we are in quicksand. Once you are in, you are screwed, and no amount of struggling will get you out. The only way out is someone to come rescue you. And who is going to do that? We are the ones that rescue everyone else on the planet, there is no one left to help us.....you'll see your health treatment options disappear, and your mandatory insurance costs will go through the roof. And I can promise tax increases. There is no way we can cover the costs of the program, no way we can pay for the wild spending this administration has been doing, without massive tax increases. You cannot draw money out of thin air. And with them printing it, it devalues the money we currently have. This is all economics 101. The masses have been sufficiently dumbed down to the point that most people worry about what's to eat for dinner and which episode of "Family Guy" is on the tube tonight...
Ork58@xanga - You say we have the best healthcare treatments in the world. Really? Okay. Im not saying Obama's plan is without fail but if we can let Bush destroy our economy by spending trillions of our dollars on a lie in Iraq, we sure as hell can give Obama a chance to revamp our healthcare. I'm all for government run healthcare. So many people are financially ruined due to no insurance and money. You say go get a loan: That is no help if you have no way to repay that loan ever. People die every day because they cant afford to get help. Id rather have a unified healthcare that takes that needless death away.
I know it will cost money, but people need care, even those who cant afford it.
@Ork58@xanga - Agreed. Universal healthcare is a horrible idea. Obama said himself, "UPS and FedEx are doing just fine, it's the Post Office that's always having problems." So, if the government can't successfully run the Post Office, why would we trust them with our healthcare? People need to wake up.
Sure it was nice to have all those sources, but I felt like I was just reading data. That's never fun.
Draw some conclusions and write something more readable.
@Bunny_On_The_Fritz@xanga - Thats a good look at it. :) So were basically getting the money back, sortof.
@DraigStudio@xanga - I'm with you !!
Let's not forget what throwing 47 million extra people (many of which are living in this country illegally) into our healthcare system would do to our hospitals and clinics. Don't think for a second that Obama's plan won't result in rationing healthcare. Not to mention the moral implications of insurance paying for abortions. It's bad enough that the government already gives a portion of our tax dollars to pay for abortions, we don't need more of our hard-earned money going to pay for even more abortions through the universal healthcare system.
And you want to hear about healthcare horror stories? Ask people who live in a country with a universal healthcare system about the care they receive. Your baby's born with water on the brain? We'll take a look at her in a year, of course by then, the damage will be irreversable, but we just can't squeeze her in any sooner. Your grandmother needs a new hip? Well, she's probably going to die soon anyways, so she'll just have to deal with the pain.
Make no mistake, universal healthcare does not mean free healthcare for anyone except people that don't pay taxes - like people on welfare or those who are living here illegally. Healthcare is not a right, it is a priveledge.
The only people who want universal heathcare are people who choose not to pay for heath insurance, or who dont have access to less expensive heath care policies. Some states' insurance is waay cheaper for the same company. If we were allowed to get insurance from any state like we can with any other kind of insurance, we'd have no issue.
@Ork58@xanga - AGREE AGREE AGREE AGREE....THANK YOU!
Would you people please stop your preaching about how great universal health care is, come out from underneath the rocks you're obviously living under and LOOK at the countries that already do this! I have friends that have DIED because cancer treatment took six months or more to get in to. I have heard horror stories. Health care will be rationed. Even if you do feel like getting off your ass and paying for the services you use, you won't be able to get them anyway!
Has anybody ever stopped to think about the fact that major protesters to this plan are doctors, nurses and hospital staff??? Think about THAT! We all know what this is going to do to health care. It's going to shove it down a toilet and flush. You think it would be great to be able to afford to see a doctor...well that's fine and dandy but the fact that when you finally can because another tax payer is shelling out money for you, you won't be able to get in to a doctor or surgeon because they'll all be overcrowded and underfunded.
So instead of coming in to see a doctor and then simply not paying for your bills, you (and your new handy dandy insurance plan) won't be able to see a doctor at all and possibly die due to trauma or disease while sitting in the month long wait list.
If universal health care passes, I'm dropping out of medical school and going on welfare.
@Ork58@xanga - By federal law they have to see you and
treat you at an emergency room. The Doctors and staff are just as
professional and courteous whether you can pay or not.
seriously! i work in the ER at a los angeles hospital, and never have we turned anyone away. we treat homeless, identification-less individuals who are obviously not going to pay. we either defer their bill to charities that exist for this reason, to the government, or we just absorb the cost.
healthcare is a business, too. hospitals, doctors, nurses lend their services for a fee. the maintenance of a hospital is costly - you think level 1 trauma centers have shoddy equipment? surgeons go through 8 years of schooling (4 years of med school is expensive!) and about 5-7 years of residency (where they only make ~50k). are we to infringe upon their rights because we feel "entitled" to their services?
i hate this "who would god deny?" crap. and i bet the same people wanting universal healthcare also want lower taxes. hah!
@enterthelabyrinth@xanga - haha, i'm applying to med school soon. but if this passes, i might just be with you. maybe we should try law school instead - you know this stupid plan is going to hike the demand for lawers. :)
if the money i pay for healthcare goes to the goverment rather than a private company then whatever. It's worked well in other countries. Canadians and UK citizens seem to like their systems. Well whatever. Whatever happens happens. Although I will say this debate has sure brought out the crazies.
I prefer not to disclose my insurance status over the interwebs. :p But, I do support universal health care, because of the problems with our current health care. That's just how I feel. I don't presume to tell anyone else how to feel or think.
As for the title of this, I do not think God would decide who would be denied health care. Simply because, the God that I believe in would give health care to everyone and there would be no denial of health care. Other people might have different views on God than I do, though. I don't know. I can only speak for myself. :p
It doesn't surprise me that you were sent a letter saying you were banned, but legally (as I see others have already stated here) they cannot enforce that. If you were in need of medical care, it is a federal offense for them to turn you away.
I don't know about all hospitals, but all the ones I have personally been to have signs up (usually in the waiting rooms) telling you that it is illegal for them to deny you care. Usually these signs are also next to signs telling you that it's a smoke free campus and that you need to keep your cell phones turned off. :p
It would not surprise me one bit that they might try to convince you that they have every right to turn you away, though. Just because it is a hospital doesn't mean that they have squeaky clean policies all the time. Just be aware that they CAN'T.
I'm glad that the collections agency worked with you on getting payments set up. I have never heard of a hospital that didn't at least let you do payments. I didn't think they minded, as long as they got their money in the end.
I've had trouble with being billed for things more than once, though, and that is fraud. Usually, if you bring it to their attention they will fix it. If not, well...there are ways to take care of fraud. But, no hospital wants a fraud case, and no doctor wants a malpractice case, and I think more often than not it is an oversight. Due to the sheer amount of people they have going through a hospital at any given day. :p But that's got nothing to do with this post. Sorry!
@MissPixieGlitter@xanga - Definitely considering the option. I'm in the process of applying right now. This whole universal health care thing makes me think twice. Seriously. I've volunteered/worked in three hospitals in my area and we never deny care. Yeah, of course the hospital billing staff is going to get pissed if you don't pay...but they aren't a bank. You can't use a service and expect not to pay. That's like going to get gas and driving off....or going to an ATM and expecting it to just give you $20.
In my opinion and in most everyone's opinion that is knowledgable, the use of intricate health care (beyond just free clinics, reduced cost facilities and ER services) is a privilege you earn. You don't get denied emergency care in this country. Just because you can't get elective surgery or invasive cancer treatment for free doesn't mean we should all jump on to a boat to no treatment at all. That's what charities and programs are for that take care of the homeless and lower class individuals that can't afford to pay.
Doesn't anyone realize how horrible it's going to be? And how expensive. I already don't agree with tax money going to welfare, food stamp programs, etc.....why should I pay for someone's health insurance when they don't?
@enterthelabyrinth@xanga - have fun with your secondaries! :)
and i agree. no one is denied urgent emergency care, and realistically, that's the most "universal" care one can expect. no hospital is going to refuse treatment and let you die in its waiting room, but hospitals are not charities! there are different levels of care just as there are different levels of everything else in this world. you get what you pay for.
i'm amused by all the people who think countries with universal healthcare are so great. there are more MRI machines in orange county than there are in all of canada. how are those long waits up north? better access? hah! private care in my home town just beat the crap out of a country's universal healthcare plan.
i also found this great article from national center for policy analysis regarding american healthcare compared to canada and all those great european countries.
Look, all I can say is, I hope that something happens to all of you on both sides of the issue so you can see what's wrong/right with your views. It isn't all black and white, and politicians are getting EVERYTHING PAID FOR!!!! (yet no one has complained about that!) but they're letting the peons fight amongst themselves. Typical American politics (no, I've never been anywhere else, and we're talking about US healthcare, so don't tell me that other politicians are different!)
For my own reasons, I'm not for universal healthcare. I know it sounds great and wonderful, but a lot of Americans don't want it. And if universal healthcare suddenly happened, it wouldn't mesh too well.
Positive: Everyone gets healthcare.
Negative: The U.S. gets one GIANT step closer to becoming a socialist nation.
I do NOT support universal healthcare. Got a problem with it? Move to Canada. They have universal heathcare there.
http://www.youtube.com/watch?v=3WnS96NVlMI
Perhaps if you want to drive down the cost of health care, putting the
power of the consumer in the driver seat is the answer. While the
arguments in this Stossel bit are not foolproof, there is still a valid
argument to be made here.
In your post, your challenge was not access, but the costs
you had to pay out of pocket. My question to you is, if an insurance
company covered all the costs, or a government run option covered it,
where do you think those funds come from? They must come from
somewhere; higher insurance premiums waged on you, and/or higher taxes
on us all. Either way, the burden falls back on all of us somehow. If consumer choices were controlling the system, prices would fall as a result increased competitive markets.
Also, let's assume that the proposed public option health insurance
plan could do what it's supporters claim it will do, reduce the cost of
health care, without rationing (which it cannot, by the way). Do you actually believe that those
cost savings would be passed on to you, the tax-payer and health care
consumer, in the form of lowered taxes or lower premiums? Or, do you
think the cost savings would be pocketed by the government and used for
other government spending? When has a government ever realized it was
taking too much of the people's money, and given it back, without a
political movement from its citizens or a political party forcing the
government's hand in the situation? Would it be perceivable that with
those higher margins, the government would allow medical companies to
push costs back up to some degree, so that they can earn higher
profits, in exchange for some political support and kickbacks from
those in office? In politics, coalitions and loyalty are bought, not earned.
Of course, this theoretical situation would never happen, because the
current US government health care systems are nearly bankrupt, and
their proposed plan would run in the red as well, requiring a
perpetually higher tax burden on us all.
Think about it. And I would challenge everyone who supports this health
care reform as it's proposed to ask the following questions: Does the plan as it's
currently proposed bring about the results that everyone is seeking?
Are there other ideas, better ones, to achieve the desired results?
I don't think anyone would argue that people who cannot afford preventative care and treatments should be denied care. Many of God's family spend their money time and talents tending to those in need. But the assumption that only a government run system can do this, or is the only way to make health care more affordable and accessible for all, is simply false.
@DraigStudio@xanga:
Bush did not wreck the economy. Fannie/Freddie backed by Frank and
Dodds banking committees pushed banks to ease lending standards in the
name of affordable housing. The warning signs were there as early as
2003, and Bush administration tried to reform the system 5 years before
the collapse. That reform was blocked by Democrats. However, Bush's
record on fiscal restraint was appalling, and the Republicans deserved
to be ousted from power. Now we have neither side
representing the people in defense of an over-reaching ever-expansive
out-of-control government. Both parties are in a competition to seize as much power as possible, at the expense of the people. Only we change the course of these power grabs.