I often wrote over the course of 35 years about public health care finance with a level of personal engagement that reminds me today much of a walk through a really fine zoo. The exhibits were intriguing, yes, but I could certainly lose interest quickly and move on to another topic.
I’m not proud of that, but it’s the way it was. For a man with health insurance – good health insurance – public health care finance was a societal question, not a personal one. Having good insurance was only part of my ignorance on the topic. There was also the burden of relatively good health.
Until 2017, most of my health issues were self-inflicted. Smoked too much. Ate too much. Played golf with my friends and called it “exercise” – rather than what it was, which was driving the cart and drinking a few beers. Lots of coffee. Not much sleep. Workaholic.
But in 2017, a grenade was thrown into the middle of my life in the form of a rare and aggressive blood and lymph node cancer. I was at Stage 4 before I knew I was sick. God was good to me, I had great medical care from my oncologist and a team of health care professionals. I survived.
In a couple of weeks, I will be at the two-year mark since my cancer diagnosis. I’m still in remission. Outside of my work, my life today remains on a short leash of scans and blood work every three months. You learn to live with it and you learn to thank God for each day.
Surviving cancer cost me and my insurance provider $1.2 million – at least that was the retail price. For example, the hospital would provide a PET scan at a retail price of roughly $12,680. The insurance provider would pay the hospital about $2,600. Once I met my deductible, my co-pays and my out-of-pocket limits, it became a fight between the insurance provider and the health care provider.
One of the great lessons of cancer, and there are many, is that no matter how badly you feel or how much the chemo or radiation kicks your butt, you are rarely the sickest, most hurting individual in the hospital. Somebody usually always has it worse and that knowledge leads to a lot of empathy and sympathy for those who are in worse shape.
During my journey, I saw so many suffering people who had no health insurance, no support system, no family members, nothing. They were receiving uncompensated care and while the health care providers did absolutely everything in their power to help them and to do so compassionately, there simply is a wide chasm of disparities between the haves and the have-nots in obtaining health care.
According to the Kaiser Family Foundation in 2008, some 45 percent of Mississippians had employer-provided group health insurance. Another five percent had non-group private insurance. Medicaid covered 19 percent while 11 percent received Medicare benefits. Another two percent had other public health care while 18 percent were uninsured.
The same source reported in 2017 that some 42 percent of Mississippians had employer-provided group health insurance. Another six percent had non-group private insurance. Medicaid covered 24 percent while 13 percent received Medicare benefits. Another two percent had other public health care while 12 percent were uninsured.
Mississippi’s sad litany of chronic health problems are now familiar — diabetes, heart disease, obesity and the highest infant mortality rate in the nation — as is the state’s status as the poorest U.S. state.
The solution is more complex than simple Medicaid expansion. Total Medicaid spending in Mississippi (adjusted for inflation) over the period 2000 to 2012 doubled from $2.6 billion in 2000 to $4.6 billion (up 76 percent). For the same period nationally, Medicaid spending in the U.S. grew from $263.7 billion to $429.2 billion (up 63 percent).
Aging Baby Boomers like me are going to significantly well the ranks of the uninsured and underinsured over the next 20 years. In both federal and state politics, there is no more important question for political candidates than this one: “How do you plan to pay for public health care?”
Sid Salter is a syndicated columnist. Contact him at sidsalter@sidsalter.com.
29 comments:
Free market capitalism, the poor will weed themselves out.
P/10 Ed. Well the ranks= swell the ranks
Our car insurance does not cover tires, gas, oil changes or other routine maintenance; yet, our medical insurance does. All people and families need catastrophic coverage as your example(s) points out. Most people under 35 hardly need coverage outside of catastrophic care. A large percentage of this group’s major crisis health situation o cur in areas already covered- for example comprehensive auto insurance or on the job accident and workers comp. This group is often way over covered with overlapping coverage. Obamacare brutalized this demographic in a way that they shouldered much of the costs of others that typically require much more medical and pharmaceutical care. This was wrong.
Not opening up the free and interstate marketplaces is disastrous and costly. Additionally, it plays into the hands of the major insurance corporations and government regulators (state and national). These barriers must be removed. Market innovation and completion has been stymied when it could be testing and yielding solutions. Many doctors, practices and other collective groups have discovered they can offer concierge services and the like while offering great care and group safety nets and still make a healthy living. These barriers must be removed. Lobbying blocs prohibit the free market from gestating and delivering solutions.
Additionally- we can not afford covering the medical cost of non-citizens. This tips and flips the scales of any approach to medical coverage. If a safety net for people here illegally is required it can only rely upon charitable organizations and otherwise should be billed to their country of origin. Ones receiving US aid need to understand that their citizens care will be deducted and at a premium. The reality of the costs of medical care for non-citizens has to be acknowledged as the crippling force that it is.
Big insurance and pharmaceuticals rolled over and had a cigarette after they finished with Obama, Pelosi and Reid. Plain and simple and their profits and stock prices neuters any argument against this. This group needs a haircut and to be hammered by the free and open marketplace.
A final area that cannot be avoided are personal choices. Bad diets, poor fitness and vices cost all of us dearly. America is fat and unhealthy largely due to Americans abysmal personal choices. These costs make solving healthcare nearly impossible. People who eat well, live cleanly and maintain a level of fitness should not have to cover the obese and slothful masses. It’s shameful to see how people treat and present themselves. Look around - the majority of the people you see are leading an unhealthy lifestyle and likely obese. Self mediocrity is costly to one and all and is inexcusable.
Trump care has been an utter failure. Not one good thing has happened to healthcare since those idiots took control.
Trump care has been an utter failure. Not one good thing has happened to healthcare since those idiots took control.
Did you lose your mental illness coverage?
"Trump care has been an utter failure. Not one good thing has happened to healthcare since those idiots took control."
Yes, the damage to our health care system left by Obamacare is severe. Too bad not enough intelligent people got elected to vote to can it and replace it.
We fund disease daily when we allow tax dollars to purchase soda, candy and processed junk foods. A never ending cycle of disease and medical care. STOP funding disease and our healthcare costs will go down. If someone is hungry - beans, cheese and peanut butter will work, not candy bars and potato chips. It's not rocket science.
The real question is should everyone that takes care of themselves physically have to pay for those who don't, and thus they create their own medical problems.
There's no such thing as 'Trump Care'. All attempts to dislodge Obamacare failed thanks to the rino congress, both houses. If you like your enema kit, you can continue to reuse your enema kit.
"People who eat well, live cleanly and maintain a level of fitness should not have to cover the obese and slothful masses."
Why don't you apply that axiom also to the fit who choose to not fiddle with employment?
Let me see if I can follow some of the above " reasoning"...
If someone is visiting from a foreign country or a child not born here becomes seriously ill, we should just let them die. No other western nation does that but we should.
If you get sick, it's your fault. Genetics have nothing to do with it. Well, that's just being ignorant or stupid beyond belief. More than a few cancers and too many diseases to list have a strong genetic component.
We can't have those with a genetic predisposition to some diseases or those who had developed a pre-existing condition in childhood in the insurance pool or those who don't have what? gym memberships, aren't vegan, eat desserts in the insurance pool?
How about that an essential service to a society shouldn't be profit driven but value driven? How about CEOs of pharmaceutical companies shouldn't be making %300 higher incomes when their employees are making 30% higher over the last decade? How about removing the " middle men" for equipment and supplies and drugs and letting hospitals and doctors buy direct as they used to be able to do.
How about a national pool of citizens who are insured and pay insurance. Spread the risk nationally. There's no reason for GE employees and Mom and Pop employees pay other than the the same rate simply because the number of employees ( not the health) is a larger number.
How about no advertising for pharma on television.
Y'all need to stop letting the health care industry provide you BS propaganda.
Our healthcare system ranks below Third World countries. I am ready for Medicare For All
2:39 - stay angry! Your ridiculous summations and half cocked analogies further nothing more than outrage and ignorance. “ just let them die” - really? Typical progressive argument deflection and false reduction crap that does nothing to further the conversation or to derive a solution. Why shouldn’t a company be allowed to pool their resources and offer a health solution for employees? Does any sane person think our government will do anything but screw the management of healthcare? What examples of well run government programs would they base that assumption on? Why would anyone want the government to control their health choices?
At 5:46 is another moron who thinks he should have be given something for free. There is nothing wrong with the health care system. I've had insurance for 40 years (two policies, mine and my wife's) In the last 10 years, I haven't had a copay or received a medical bill for any doctors bill or hospital bill. Two years ago, wife received 3rd degree burns on hand. Emergency room visit, then referral to burn clinic for two months treatment and Rx's cost me $00.00........
The system is not broke, I'll take it over anything your universal health care / Medicare for All offers. Under those, need an elective none emergency surgery, get ready to wait two or more years.
All Universal HC represents is a ploy by stupid Dim-O-Krats like "Bernie" to buy votes of the dregs of society and lazy Millennials who feel like they're owed something.....
I'll keep what I have medical, dental and vision that cost me and wife per year what two months of the crappy Odummercare wanted to charge me.
Screw you, "Bernie", Poke-a-huntess and the Dim-o-krats you're fools that need Mental Health coverage.
2:39 - Genetics is singular, not plural. I realize the 's' fooled you, but still....
CBO Report: 1.4 Million Lost Health Insurance Since 2016
The number of uninsured climbed by 1.4 million from 2016 to 2018, according to a report out last week from the Congressional Budget Office.
~~~~~
All of the increase in the uninsured over the past two years — all of it — is the result of the massive rate increases Obamacare’s mandates and regulations caused. According to the Health and Human Services Dept., premiums in the individual insurance market doubled from 2013 to 2017.
~~~~~
But for the millions of middle-class Americans who buy insurance coverage on the individual market and aren’t eligible for Obamacare subsidies, the result has been financially devastating.
Republicans do not believe that the poor are entitled to health care. Now, it looks like Sid has had a change of heart, as have Bill Waller and Robert Foster.
Mississippi's Republicans abhor the idea of waiting in the same room as "those people" to see a doctor.
What a disgusting thing to say!
And if only it were left unsaid it wouldn't be disgusting?
That's bullshit Rod Knox.
I think everybody is entitled to participate in whatever healthcare program they choose to participate in and contribute to. Key words here are participate and contribute. I don't think anybody (other than my family and me) has a right or entitlement to health care solely at MY expense.
I don't care who I sit with in a waiting room as long as I don't have to wait an hour and as long as they're not hollering and blowin' snot-rockets.
You’re not worthy of debate, if for no other reason, you do not debate. You just toss out angry invectives and gross blanket stereotypes. You’ve had the same plumber for fifty years and they still haven’t fixed the problem. Consider another plumber.
Just let the poor die, right 9:31. That will lessen your share of the burden, snotty noses and all.
Rod - This is exactly where you differ from 70% of the US population. We don't like having to pull the wagon. You've never pulled it so you've go no experience with that. If more people felt like you, your president would not be who you call Orange-Man, now would it? Your Rod's gonna be knockin' for six more years, son.
Don't go betting your pay check on your wild meanderings 4:00. I've filed a good many schedule Cs and paid annual taxes greater than the average state income for many decades. But if it makes you feel good go on day dreaming your poor wishes for me. I'll get by OK.
Good for you Rod. And as a democrat, maybe you'll agree to up your charitable contributions this year. Republicans here could use your help.
Your personal income being over the state average, if true, has nothing to do with those of us who pull the wagon being tired of the ever-increasing sloths who choose to ride.
And your pulling the wagon for the undeserving.....IF TRUE, is a matter of opinion and perspective 3:16. And it's a real shame that the average income in the state has been and remains LAST and therefore easily surpassed. And without a grand inheritance or a medical degree I found it necessary to be self employed where I soon recognized that those on the lower end were being screwed by those on the upper end and Mississippi's GOP refusing to enforce e-verify is indicative of the upper crust's success in keeping wages and benefits for workers at and below the poverty level. So for now your party's grand scheme is to gain support for a STARVE THEM INTO SUBMISSION plan to make "those people" as docile, meek and desperate as the newly arrived illegals from south of the border and all the while howling for a WALL. Apparently that plan is working in this state.
My God - That dude at 7:33 has gone mad and is bouncing off the walls. He just wrote a sentence with 63 words in it. Somebody please pull a welfare check on him, not to be confused with a first of the month deposit into his account.
Some people might be surprised you could count that high 3:41.
And thanks for the concern, I'm OK considering.
Nice article and thanks for sharing your knowledge. I really appropriate your views.
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