rhondabrwn -> RE: NORAD tracks Santa.... (12/28/2009 8:29:09 AM)
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My daughter lives in Guam and they fly over to the Philippines for all major medical or dental work for a fraction of the US cost and the work is excellent. I have Indian friends who had family members bring me prescription drugs for about 10% of what I was being charged here in the US. You guys can argue back and forth about socialized medicine, layers of governmental bureaucracy, or even bring up fabrications like "death panels" and the rest of the wild claims thrown around in the past few months, but there is no doubt in my mind that the American system of private health insurance and self regulating pricing is a house of cards that is going to collapse on us if we don't do something. People who argue about how great their health insurance coverage is have never been faced with a catastrophic disease or injury to see just how limited it turns out to be. I've got health insurance through my school, but with a $1,000 deductible, $75 co-pay for doctor visits, and a 70% co-pay on the major medical. If I get hositalized for anything, it's going to be ruinous. They just raised our drug co-pay this year so I've quit taking all my drugs and am relying on diet and exercise to manage my diabetes. Fortunately for me, I'm so far away from a hospital that I don't worry about hospital bills - if anything serious happens, I'll be dead before an ambulance can get out here anyway. With luck, I might make it to 65 and medicare (3 more years) and I probably won't see a doctor again till then. We all have horror stories to share, of course, and here's a doozy. One of our teachers is a retired Geologist who made a small fortune in the oil business. He was a self-employed contractor and paid about $750 a month for a health insurance policy. He was in an auto accident and broke his back in three places. He was rushed to the nearest hospital, his Insurance company was notified when he was admitted in critical condition, but after a half million dollars in treatment and rehabilitation to get him walking again (with a mass of stainless pins in his spine) the insurance company claimed that he hadn't gone to an "approved hospital" and denied the whole claim. He lost a lawsuit against them and lost everything he had in the resulting bankruptcy. Now he's a poor teacher like me when he had thought he'd be sitting on a beach somewhere with a nice house and plenty of money. This kind of thing happens every day in the US and IMHO anyone who argues against the need for health insurance is either (1) very rich and doesn't need to worry about anything (2)over 65 and on government run Medicare (while raving against "Government Programs" BTW)or(3)middle-class with a good job and what you think is a good medical insurance plan... who hasn't suffered a medical emergency that will devastate your family and your entire life. I've seen both sides. I've been in situation #3 and been smug and happy about great everything is in our society... and then things fell apart and I got to see and experience how the "rest of us live" and it radicalized me on social issues. So now I'm a "recovered Republican" who is about as liberal progressive as you can get and I think that I have earned my right to that viewpoint. I'm not particularly happy about what just got passed in the US Senate. I would personally have just gone with putting everyone on Medicare (with an opt-out option) and let the private health insurance industry sell Medicare supplement policies. But I'm too old to worry about it for me, I just feel sorry for the millions of younger Americans and their children who won't get adequate medical care as America falls farther down the International lists on medical statistics like life expectancy and infant mortality and so forth. If we are such a great society, why aren't we at the top of all those lists? We pay more per patient than about anyone in the world and yet achieve poorer results... explain that. Whew... didn't mean to do one of my rants. Be merciful guys, it's the holiday season and this is just my opinon on the issue. [:)]
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