I generally stay out of political discussions but because I think the USA's health care system is in crisis, I choose to make an exception.
My spouse works for the federal government.
I'm going to repeat that: my spouse works for the federal government. We get our health insurance, therefore, through the federal Blue Cross Blue Shield program. It's a decent program, even with a $20 copay (7 years ago we had no copay). For this we pay: $5400 a year, part of which is for a supplemental dental insurance and the rest of which (the majority) is simply "our portion" of the insurance premium. Add addtional costs of varying kinds which last year, for instance, amounted to over $3000.
Think about that. We're "fully insured," and we still paid over $8000 in health care related expenses.
Our daughter will be turning 22 next month. Fortunately, our insurance allows us to give her "continuing coverage" for another 36 months on the same plan . . . for a mere $500/month. That's right. An additional $6,000/year.
The USA's health insurance system is broken.
Today on The Lehrer News Hour I watched an interview with T.R. Reid who has a new book out called
The Healing of America. Last year Frontline produced
a program, Sick Around the World, in which Reid investigated health care systems in 5 other industrialized countries, some single payer like Canada's (that would be Taiwan) and others completely private insurance based like our own (Switzerland, anyone?).
The French private insurance system covers all 61 million residents of France, with excellent health results. There's no "in-network" or "pre-authorization"; you can pick any doctor or hospital in France, and insurance has to pay the bill. Doctors are required to post their prices on the wall of the waiting room, so the mystery of American-style medical billing is removed. Everyone in France has a green plastic card, the carte d'assurance maladie. That card has completely replaced paper billing and medical records. The result: administrative costs of 3 percent, compared to 25 percent in the U.S.
He then went on, for his book, to survey the health care systems of the 23 richest and most industrialized countries in the world (that includes the USA), the other 22 of which provide coverage to everyone, in one way or another, some public, some fully private, some a mix.
Here's
a link to a very fine 9 minute interview with him that is enlightening and sobering.
Reid says:
Nobody dies in those countries because they can't see a doctor.The question Reid raises at the end is the most interesting: not
why do the other countries cover everyone so anyone who is sick can have access to a doctor, but
why does the USA
not?