Monday, November 25, 2013

The Heathcare Mess, Part 1

I've been thinking a lot about this health care mess we have gotten ourselves into. I had huge hopes for universal healthcare, but it all just looks worse and worse as time passes. Many people in the US are quick to blame President Obama, but he didn't cause the problem. It has developed over many years, and it is going to take some serious changes from everyone to fix it. Maybe the Obamacare problems will be the kick in the butt that the US needs to straighten it all out.

I have some ideas that might help; you may have some of your own. No one is going to get anything done unless a real conversation gets going and we all accept that we have to make some changes in the way we live our lives. Everyone is to blame: insurance companies, hospitals, drug companies, doctors, and the rest of us who use their services.

The first thing we have to do is to recognize and accept some unavoidable truths:
  1. We are all going to die sooner or later.
  2. We have a lot of control over our health.
  3. We make a choice every single time we put a bite of food in our mouths, lift a drink to our lips, and plop down on our butts in front of the TV or computer.
Death is an inevitable part of life. We are all going to die whether we like it or not. There is no way out of this one.

A few days ago I read an article about the number of people who expect doctors to do everything possible to delay the end, even though that "everything" is outrageously expensive. Even though it often does no good. Even though it drags out the miserable painful illness of a person who is beyond being able to make that decision. That is crazy! Who wants to live longer if that time is spent in pain or without consciousness? And who is going to pay for that expensive treatment?

We all have a lot of control over our health. Very few of us can use the excuse that we don't have the knowledge required to stay healthy. There a thousands of books and internet sites with all the information anyone needs. There are libraries for those who can't afford books or the internet. Who can say they don't have the time or the interest to find out what they need to know? What can possibly be more important than maintaining good health? How many times do we need to be told that the majority of our health problems are brought on by our lifestyle choices?

We make choices every day that affect our health. Food is the fuel that powers our bodies. Some fuel is good, high octane stuff that is good for us; some fuel tastes good but offers almost nothing to nourish our bodies. What do you choose to eat? Is it healthy fuel or is it junk food? And what are you doing to keep your body strong? Are you getting enough exercise? Or are you sitting around in front of the TV or computer every chance you get? Little by little, we have slipped into such an unhealthy lifestyle. We don't get outside and move enough. We don't know anymore what to eat or when to stop eating.

I would like to see everyone able to afford the healthcare they need. However, I believe that we have to take some very harsh actions to make people take responsibility for their own healthcare. I hear people complaining that they don't like the changes that are coming about with their insurance. As hard as it may be to accept, the only fair way to do it is to make people pay according to their lifestyle choices:
  1. If you smoke, you should pay more for insurance.
  2. If you drink or use drugs, you should pay more for insurance.
  3. If you are overweight, you should pay more for your insurance, based on your weight.
  4. If you expect doctors to do everything possible to extend your life, you should pay for it.
  5. If you choose to have children, you should pay for maternity coverage.
Does this seem unfair? Look at it this way: Why should non-smokers pay extra to cover smokers? Why should people who eat right, exercise, and do whatever possible to stay healthy pay for those who don't? Why should everyone have to pay when someone chooses to have a baby?

Insurance should cover us for the things over which we have no control. Even those who try very hard to stay healthy will still get sick now and then, and some of us will have major medical problems, but why not do what we can to stay healthy and save the doctors for when we really need them?

So what do you think? Do you have anything constructive to add? Any ideas that might help? I'd love to get a real conversation going here.

1 comment:

  1. Hi there! I see three and perhaps issues. first, generalities are generalities. I am overweight. I also have perfect numbers and have never (at age 62) been hospitalized for anything other than a C section and two D and Cs (which are related to family history and going through meno rather than my weight.My husband was a recovered alcoholic who drank for twenty years and smoked occasionally-and died from hepatitis C from a blood transfusion during routine surgery unrelated to either. Who would be the keeper of the "rules". I drink wine up on the recommendation of my doctors. Who gets to draw the line as to what is overweight, or too much drinking.

    Second, it behooves us as a nation to have healthy and well treated people-something most other western societies (including the one you just visited) realize. Which is why maternal care and preventive medicine of all sorts are ALWAYS covered under universal health care.I spent a total of fifteen years under the German health care system and that was a no brainer. I Volunteer with the working poor, many of whom never saw a doctor until they delivered a child because they could not afford to "pay for it themselves". Maternity and child health costs much much less than the bad results of no care.

    Third, the difference between "paying yourself" and "paying through insurance is huge. My insurance company was BILLED over 300 dollars form my recent procedure. The insurance company paid a whopping 54 dollars and I paid five-simply because I was covered under insurance. Had my uninsured twenty something had the same procedure, it would have cost him three hundred dollars.

    Fourth of course is that the ACA is not really "universal health care". Universal health care is affordable to all, and takes insurance decisions and costs completely out of the work place and the hands of the insurance companies.