Health Insurance

Wait, I’m not trying to set you straight. I’m asking as well. I’ve never tried it, but it seems like I wouldn’t be able to go see my doctor for a stuffy nose and then get approval for an MRI.

Regarding people who bring up the (largely incorrect) wait time argument; to me the unspoken argument seems to be “we need to keep as many people out of the line as possible in order to keep the line as short as possible for me and mine.” That’s a pretty ugly way of thinking.

My mistake, I confused one user for another.
Anyhoo, on further musing about Americans, I pictured the following hypothetical exchange:

American: I work hard so my children will have a better life.

Observing non-American: What about the children of other Americans?

A: Fuck those lazy bastard pieces of shit! My taxes are already too high and I don’t want one single penny going to give those do-nothing shitheel lucky duckies a free ride to sit on their couches and play Nintendo!

OnA: You know, your children will probably lead better lives if the people around them are well-educated and healthy, so maybe…

A: Shut your lying face, commie.

Well, in *your *case the doctor might be trying to rule out brain damage, for which you have multiple symptoms.

Perhaps. But that would be a medical necessity, not simply me asking for an MRI.

As anec-data, I had suspected kidney stones, and got an MRI the same day (and later that evening a laser up my penis because it turned out to be a really large kidney stone (with some slightly smaller siblings)). I don’t know know how dire a medical condition suspected stones are, so don’t know if that caused me to jump ahead in the queue or not.

In general, I don’t think anyone in my family who needed a scan waited for more than a few days.

Heck, I got an MRI and didn’t ask for one. It was recommended to diagnose a lingering knee injury, which turned out to be just a bad but temporary sprain. Didn’t cost me anything, though I grant in the larger sense that I likely pay more of my income in various provincial and federal taxes than an American of similar means.

More recently was my losing argument with a table saw. The damage was messy but ultimately minor and aside from an antibiotic prescription, I also didn’t have to shell out. I even got the pleasure of having my finger debrided twice without the additional pain of having to open my wallet for anything more than my provincial health insurance card.

But I bet they wouldn’t just give you a laser up the penis just because you asked for one.

You think white people should spend all their money on methadone and condoms for black people? And penicillin for the diseases they get fucking some white dude’s daughter? I’ll bet you six kegs of Budweiser you’d a voted for Killary if you didn’t live in some shithole country.

Speaking of white people being persecuted, I go to my local hospital complaining of chest pains and they give me an EKG. Normally that would be free for the yellow people, but I’m a white foreigner and have to shell out $9. (Admittedly they were about to give it free until I reminded them.)

I think I’ve paid substantially more than $9 for an EKG, despite having insurance. Was that a typo?

Well, no. I’m not getting wealthy off the current system, but I’m doing pretty well largely thanks to it (as did my wife before she decided to take a sabbatical). Both of us are firmly in favor of adopting a single-payer system, with the option of supplemental private coverage, even though it would put her out of a job and force me to learn a new area of the law. I would venture to say that those of us who make money of the existing system are among the most likely to want it changed (other than physicians, whose earnings would probably go down considerably).

That’s a bit much. An MRI usually comes with a wait of a week or two, unless you’re already in a hospital. But it’s true that the US has far more MRI machines than anyplace else, and many of them are often sitting idle.

Usually, you have to pay double for that kind of action.

Why so?

Because we know how badly the current system sucks whether or not we’ve been screwed by it.

That might be location dependent. When I needed an MRI, I was able to get an appointment the same day. Doctor suggested it, then his assistant called and scheduled it. A few hours later, I went to the MRI office and it was done.

Most of the docs I’ve talked would also like single-payer - admittedly, most of the doctors I hang out with are “bottom-feeders” who serve the poor, the elderly, the chronically ill, prisoners, etc. I don’t hobnob with too many super-high-paid specialists.

^ This.

Back when I was still working for Blue Cross I was in favor of single-payer (not that I spoke too much at work about that!) You could probably dig up posts I made here to that effect, that even though my job depended on the current system and me and mine had great benefits I was in favor of single-payer/universal coverage.

A lot of people who say they’re satisfied with their coverage are, at present, relatively healthy. It’s until after they’re hit with a major illness or accident that they discover just how much their “great” coverage actually sucks. Even with insurance medical care can bankrupt you in this country.

I only know one person who is happy with their insurance. And she’s military. Everyone else I know hates their insurance and the people I’m around have what’s considered “good insurance” and tend to be reasonably healthy. And I live in a state with a very good insurance commissioner.

It’s better than crappy insurance and a hell of a lot better than no insurance.

Who are these people? Where are they getting reasonably priced insurance that actually covers stuff? What makes them “happy”?

My insurance company pays for a monthly dose of Simponi, the cost of which is greater than I pay for insurance unless the manufacturer cut a deal with the insurance company. Strangely enough, the manufacturer can supply the drug free to the uninsured. Someone “cut a deal” somewhere, my co-pay is five dollars.

I would think that with single payer, the government would do everything possible to cut the cost of drugs.

But I digress.

Also with single payer focus is often shifted to prevention, out reach, education, screening, because like early intervention these can realize enormous savings over the whole system, over time. In a ‘for profit’ system there’s no real motivation for such things. It’s not one system with a united goal, it’s thousands of systems, some with questionable goals!

Ok here’s what happens.

  1. A large voting bloc ages.

2)They vote for universal healthcare because they start to get ill. They package it with rhetoric about how it will help the poor, yadda yadda.

This is not something complicated. The Boomers, having derailed the government and sent its debts soaring, now want to milk the hapless taxpayer even further. Nope. Sorry. The Boomers will go down as the most coddled group of people in the history of the United States when the history is written.