Had an interesting day last week with a significantly important coincidence:
So we spent two hours at work last Wednesday doing our annual insurance benefits review. For two hours, with our insurance broker and our Aflac rep, we discussed how much our insurance costs. How many thousands our deductible is. What’s in-network and what’s out. Whether ER visit costs get rolled into the hospital stay coverage or not. What conditions allow for supplemental insurance payouts and whether it follows you and your job. Tips and hints on how to try to get the insurance company to authorize and pay out for treatments. Etc. etc.
(Interesting note provided by the Aflac rep: 70% of bankruptcy cases in America are due to medical costs. And 50% of those — the bankrupt had medical insurance.)
So, two hours of numbers and facts and complex conditions surrounding how your life can be slowly destroyed by medical bills instead of quickly destroyed. Now for the comedic coinkydink:
That very morning, on the way to work, I was listening to a recent “Sword and Laser” scifi/fantasy book club podcast with a conversation with multi-bestselling and award winning author Robert J. Sawyer. And when asked how old he was when he was able to start writing full-time, he said he was writing full-time in his early twenties. Why? Because he’s Canadian. He expressed that, like him, a lot of Canadian writers and other artists are able to even have careers as artists, are able to work on their art from an early age and get good, developing their skill and talent early, allowing them to have decades of quality output far in excess of American writers and artists for primarily one main reason: socialized healthcare. As a young man, Sawyer never had to worry about giving up his talent and dream in order to find and work at a job doing not at all what he wanted to do in order to have healthcare. Sure, there were times he had to eat pretty skimpily, but that’s doable. Paying thousands of dollars for an illness or accident isn’t.
Award-winning Canadian author (among other things) Cory Doctorow once expressed similar arguments on an episode of American Freethought. He said now that he had a family, he’d never live in the U.S. again, never not live in Canada or the U.K., so that his daughter would never be without healthcare. He told a story of how when traveling across England, his daughter started developing a bad fever. They stopped in a town and saw a doctor who examined her, wrote a script, they picked it up, and were able to continue on, and they never had to fill out papers and only had to pay a couple of dollars (equivalent) for the medication. He and his wife get to thrive in their dream jobs because aren’t forced to work for healthcare.
I can’t say who because I didn’t ask permission to say, but I know someone in Canada who had a car accident not long ago. They were taken to the ER by ambulance, were examined, treated, and released with great care. They were provided with a new shirt because theirs had to be cut off, and, reimbursed for the cut shirt. All they had to do was show their Canadian citizen health I.D., and they got all this treatment without paying a dime or filling out paperwork.
Oh, of course, taxes pay for this care. But I once compared how much taxes I pay (sales, income, property) with a relative who lives in Canada (higher sales but no income (or property — one of the two, I forget)), and at the bottom line is we pay about the same in taxes.
…except they don’t have to pay what I do in health insurance premiums and deductibles and medical co-pays and out of pocket bills…. So, who wins here?
In every modern country in the world: the citizens do. In the U.S., and only the U.S., health insurers do. And the so-called healthcare “reform” that was recently passed? That “Obamacare” (which can be called “Newtcare” since it’s the same reform proposed by the House Republicans in the 90s), it actually put insurers in better position to make more money while hurting small businesses and much of the people. But, small wonder considering how many millions of dollars politicians, from both parties, get from insurance industry lobby.
Do I hear someone yell, “If you love Canada so much, why don’t you move there!“? Oh, I swear I wish I could, I really very much wish I could. But it costs to move and I’m too far in debt with student loans.
Oh, did I mention that, like most of Europe, most of higher education in Canada is also as free as their healthcare? They have this crazy idea that a healthy and educated citizenry is somehow good for the country on the whole. I know, crazy, huh?
Update: Well this is funny!
Note the date of today’s post — September 2011. Well, after posting this post, my blog automatically created a set of “related posts” links (see below). And lookee what’s likely still the first suggested link.
It’s a post I did in April 2009 about the same author(s) talking on different podcasts about the same thing. I’d totally forgotten! Wow, so much has changed in the last 2 to 3 years, huh? Oh I’m laughing til I cry.