I think it’s a great idea if insurance companies have a list of product packages tailored to one’s lifestyle. I’m a white non-vegetarian moderate drinker with a family history of heart things, drinking and diet-related things like diabetes, hepatitis and cirrhosis, and old women. Someone like me would be prudent to get a doctor to check out some glands, listen to my heart and keep track of bp, pulse, etc. I might want to insure my pancreas, heart and liver, right? Buy one now, keep on ice.
I don’t know if they do, because I haven’t shopped in any depth for such personalized health insurance. We couldn’t afford it at all until one of us took a job with a company offering HMO-style benefits a few months ago. We pay about $300/month for two adults, no copay on visits, moderate deductibles and specialist policies we’ve heard horror stories about, but we both turned 40 this year and would prefer to subscribe to a plan to take the edge off what could become the year I get an injury. I started playing basketball with a lunch league of men who clearly all played in college. And since I have insurance, I might go skiing*.
I’m sure many people who have insurance lead lives they wouldn’t if not for the safety net of an insurance company to underwrite their ambulance ride, emergency room visit, ICU, Stepdown and physical therapy. Sure of it. If it weren’t too far to be practical, I’d be attending the Friday Night Fights at my old dojo, now that I have health insurance right now.
Knowing one’s back is covered leads one to increase the risk one entertains. If the millions of us without coverage get access, they will take it. It means a lot of people are going to be diagnosed right away with lingering undiagnosed illnesses, chronic stuff and cancers requiring lotsa care. My family is prudent with diet and exercise, we know first aid and a lot about our bodies, and my doctor tells me we’re in the minority. So if the millions (including me until September) get access to health care, are 2/3 going to consume at the present rate in the general population or will it be worse, since many of them are restricted for preexisting conditions? It’s going to look like a run on the bank and get a lot of bad press. It’s also going to stretch resources. In an open market economy we’d expect that to raise prices.
I am FOR health reform now, in whatever form. Changes can be made. I want it on the books that we the people acknowledge that we, people, are mortal and all need more health than illness. I am in favor of letting our government take that early financial hit. That’s what government does: Pool resources to address some topic of interest. So when it’s time for another NeoCon to use war to steal billions into the war industry our armies and their contractors will have Theraflu, if not armor.
I can’t help but raise an issue I have. Things are loaded into the concept of health I’d like to get some people to question. For example, reproductive health. An IUD may be covered by insurance. That’s elective, unless we can get the state to step in and tell, for example, Octomom and Whats-her-face with the hair, to cease and desist all reproduction. This radical step would not address any health issue, except perhaps when these two postnuclear-family social epidemics reach driving age.
Having a baby with the help of drugs, petri dishes, etc. is elective. I’d rather not participate in it in any way.**
So this isn’t health. This is stuff that’s available to us here in our marketplace. It’s controlled substances. In order to get access to it, you need to see my man. He has the stuff. I’d like to differentiate the Dealer Doctor from the one I’ll see about that aneurysm.
Vasectomies (probably getting one) seem like pretty low-maintenance, low-risk elective procedures, but breast implants are also performed by medical professionals, sometimes with real health goals in mind- mastectomy patients get them. However, I’m sure again about this: Many, many of those modified IV bags were not medically necessary. They are aesthetic in nature. I understand they get stiff and need to be massaged? They last about ten years? There are complications, no question, including possible serious infection because you’re getting an operation like your grandfather’s bypass in the important ways. But they ensure the comeback, the return visit to a health dealership, or to a hospital for Autoimmune treatment, or a lifelong prescription required to keep them alive. The pharmas- the prescription keeps the pharmas alive.*
So these elective procedures overlap everything else as load on the health system. It’s all profit, which is important to keep the health industry itself solvent and successful, but it’s also the reason prices rise.
Is there a prescription plan that includes condoms? Do we want the Federal Government of United States of America passing out condoms, like that fellow from Condom Nation? Certainly want to contribute to public health clinics for that very purpose, but probably not quite dignified. Do we want the government to administer the care of breast implants and tummy tucks? Viagra? Abortions? I was shocked to hear talk of abortion insurance. I’m strictly pro-choice, but respectful of the gravity of some people’s convictions on the other side. I prefer they don’t become worthless to the ambulatory though. I wouldn’t want to allow this single-minded bloc derail an assurance, backed by the Full Faith and Credit, that a car accident or ski trip should leave you in roughly the same place financially without applying a fixed price to a lost loved one or limb.
The grim underbelly of this beast is that something like your botox would be made available to the public at large under a government-administered plan to help people afford medical care. In this case it’s a glaring example of a way the status quo is about to morph further into simple marketing of products by the government, which is presently the enforcer of the licensing system for your man, the Dealer. The government was in bed with Joe Liebermann’s home state of Aetna only a few hours ago assuring them Joe’s latest bombast was meant to buy political cover. Now he’s threatened the process AND their antitrust protection. Which way do you think that sly political swinger really goes?
Furthermore, with that system of safety in place, more people will consider and get implants of various shapes and sizes. Meanwhile, an abortion is something one would probably do whether they could afford it or not. It is medically necessary in cases, including the choice between a living woman or a born baby. This is vanishingly small, and in no way approaches the frivolity of (I’m sure) nose jobs. We can’t predict whether abortions would increase, but I really doubt it.
I propose such meta-medical procedures like non-reconstruction breast implants and vasectomies be left off the federal schedule of services. Abortion must be in there, but the opponents of female self-determination are not going to be able to politically survive any language that would specifically permit an abortion. It might not be do-able this year, but companies will rise to compete with the public plan, and they can sell abortion insurance if they want to. I can’t imagine having the foresight.
Because I’m frequently unclear, and by the way this is the end, I reiterate: I’m for the reform bill regardless of its content, simply because I hate being the only real country on earth where society appears to not value the health and well-being of its people. Make it happen, we will improve it.
*I left a Poconos trip the night before Burns broke his femur at 5 spots skiing off a jump we grooved out in the hard ice along a tight turn. It was actually them, I was a pretty cautious skier. But Burns was stuck in Scranton for months. That and my lack of insurance for a lot of the past ten years turned me into more of a sledder.
** I have a huge problem with lifestyle(obesity)-induced illness being accepted glibly as a public health reality, but again, I want the bill to pass so we can start building this thing. Getting health programs into schools, encouraging moderation could come later, but not without the establishment of the system.
* I propose a health lottery, where the sickest people or whatever take a chance at getting a fortune from a pharmaceutical company, to complement the huge, free mandatory market we’re giving away. See? We can improve the bill along the way.