On Facebook I promised a post about my views on health care reform. I have drafted 6 posts and deleted each one of them. I have spent hours online researching statistics and plans. I know what we have now isn't working, but I also know that universal health care is not the answer either. I'm going to warn you in advance that this post is all over the place.
Here's what I know about my own situation. Our income and family size places us at under 150% the federal poverty line according the this website http://dss.sc.gov/default.aspx. Our children qualify for Medicaid, but we don't use it because we have pretty good health insurance for which we pay about $70.00 per week. When we switched insurance plans 2 years ago 3 of us had moderately expensive preexisting conditions. Our current insurance plan gave us no trouble about accepting them.
Here are some stats I found--According to those arguing for universal health care there are about 46 million uninsured Americans. That number can be broken down. About 10 million of the 46 million are illegal aliens who wouldn't qualify for government health care. That leaves 36 million. About 18 million of those with out insurance have a household income of between $50,000-$75,000 per year. My family makes less than that, and we can afford insurance. 30% of our population already uses government assistance for health care.The United States government has the outstanding ability to screw-up almost everything it gets involved in. Why should it be any different with health care? Seriously, look at the jam-up job they have done with education, for example. Look at the Postal Service, the tax code, the Fed, the war on terror, need I go on?
Sen Max Baucus's Bill, the Senate Health, Education, Labor and Pensions Committee's outline, the House Democratic Bill, and President Obama's plan all appear to have mandates that you must have insurance or you will be fined. Under Baucus's bill the fines can run as high as $3800.00. Who is that going to serve except the insurance companies. It seems to me that that will have the American citizens under corporate control. I can't find much on the House Republican Outline, but at least it doesn't carry a mandate.
Good ol' capitalism is lowering some health care costs. Walgreens and CVS are leading the way with developing health care clinics. You can see a master's degree educated nurse practitioner with minimal wait time right there at the pharmacy at about 1/2 the cost of a doctor's office visit. The quality of care is good enough the over 2/3s of the appointments are paid for by insurance. And how about Walmart? In 2006 Walmart lowered most generic medications to $4.00 for a 30 day supply. Target soon followed suit, as did several other pharmacies. In 2008 Walmart started offering hundreds of drugs for $10 for a 90 supply. The price wars continued. Now it is not unusual for most pharmacies to offer the most common antibiotics for free.
I think doctors need less regulation, less paperwork, less overhead, less management. I think we should engage in tort reform and encourage competition. I think we need insurance reform that won't allow insurance companies to drop policies on sick patients. It's my opinion the the government will only make a bigger mess out of our current health care situation.
Wendy
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