I recently visited
my doctor, complaining of some neck pain and stiffness.
After consultation,
some x-rays and all that good stuff he told me that I was going to
live and that the popping in my neck had to do with the fact that
Eisenhower was President when I entered the world.
In other words,
Uncle Arthur Itis had come to live with me and I had no choice but to
take him in. That's a true story.
But I really wonder
if that neck-popping is from getting older or it is just because my
head has been spinning over the last few weeks.
And spinning. And
spinning. And spi.... I think you get the idea.
Ironically, my
noggin has been going round and around about insurance. More
specifically, I am going round and around over the debate – if you
can call it that – over what to do about the Affordable Care Act,
which we commonly call “Obamacare.”
I will be the first
to say I don't know all the answers to an incredibly complex issue. I
am not about to try to offer any answers to that.
But I do have tons
of questions.
If the ACA is so
great, why do my insurance premiums keep going up while what the
company pays keeps going down?
First, I purchase
my insurance through my employer and not on an Obamacare exchange.
However, all health insurance was affected by the ACA. So with that
disclaimer out of the way, let's proceed.
I can only go on my
experience, but in January 2003, I had cochlear implant surgery on my
left ear. The original bill was somewhere in the neighborhood of
$80,000. With insurance network negotiations, my deductible and
co-pay, I forked over less than $500.
I had the same
surgery on my right ear in January 2010. Same hospital. Same doctor.
I am sure the cost had gone up some, so this time I paid a bit more,
but less than $750.
And I am glad I
did.
Last November, I
had knee replacement surgery at a different hospital. The original
bill was substantially less than my implants (my bill was about $70,000), yet my
deductibles and out-of-pocket maximums were much more than the
operations I underwent before the ACA became law. Make that MUCH
MORE.
If the ACA was
supposed to save me money, what happened?
Why did we have
a system in which some people could not get coverage before ACA?
Insurance companies
are like any other business in that they exist to make a profit.
That's so basic that it seems silly to be making that statement. Yet
so many people seem to think they are some kind of philanthropic
enterprise.
But with that out
of the way, there is still a question about why some people could not
get coverage before ACA? I was in the insurance business for 10 years
and grappled with that question almost daily.
I have enormous
empathy for those who are born with medical issues or have acquired
them through no fault of their own. That is the one aspect of ACA
that is working as it should.
Why should
anyone be forced to buy health insurance?
That is at the
heart of the ACA. Everyone has to buy or pay a penalty.
Why?
From my corner of
the world, it is foolish to not have health insurance, but when did
our government get in the business of legislating what anyone buys or
does not buy? That I just do not understand.
While we would
disagree on theological reasoning, there are religious groups and
individuals who shun any form of insurance, saying that God will take
care of them. Doesn't the First Amendment say that the government
shall “make no law respecting an establishment of religion, or
prohibiting the free exercise thereof?”
What about the
person who simply does not want insurance, crazy or not? Do others'
rights supersede his?
Really, where is
freedom of choice? A mandate to buy a product? In America?
(I am often amused
by supporters of the ACA who argue, “You have to buy car insurance
and home insurance.” Last time I checked, one did not have to
purchase a car to live in America. He can walk, take the bus or ride
a bike if he so chooses. Nor is anyone compelled to buy a house. When
ACA became law, it made purchasing a product a requirement for living
in this country.)
Why is common
sense in short supply?
I vividly recall a
“discussion” concerning the rising costs of insurance and how the
ACA would cause major hardship on those trying to pay the exorbitant
premiums. The answer would have been comical if the person was not so
serious.
“There are
government subsidies to help people with that,” he said.
Uh.... the United
States is nearly $20 trillion in the hole. Make that 20 and 12
zeroes.
It's like getting a
loan from a bankrupt relative.
Really?
And why could no
one get anything done to fix this mess?
You can blame the
Republicans or you can blame the Democrats for hurriedly getting
something before Congress or a failure to repeal or make meaningful
revisions.
The truth is that
both sides seem more interested in political points than real
solutions and both are to blame.
But it does not
stop there. We have a populace that has gotten so accustomed nursing
from the government that we might have reached a dilemma with no
plausible solution.
To me, that's the
scary part of the equation. There really are no answers for real
questions from real people.
It just gives us
more head-spinning.