
And why we really need a public option - NOW:
I've worked for the same small company for the last 14 years. We have 5 employees, one of whom - the President - is 81 years old and finally capitulated to socialism by joining Medicare last year. So only 4 of us are on the company-provided healthcare plan.
I'm pretty lucky: my employer pays for 100% of the premiums, and we have medical and dental. We have gone from a co-pay only, no deductible plan to first $250 deductible (last year) and $500 deductible (this year), because the cost of premiums without those deductibles was exorbitant.
Here's the problem: I
desperately want to leave this job, for a variety of reasons, but without a healthcare-providing job in hand, I can't.
But even if I don't, we're probably going to drop health insurance coverage here all together within 5 years. My employers would have dropped it this year - and just upped employee pay for each to get their own - except for my explaining to the Vice President (the President's wife, who's 59), that she would find it impossible to get healthcare coverage on the open market, given her myriad health problems. So in 61 months, when she's eligible for Medicare, all bets are off.
I must have healthcare coverage to survive, both literally and practically. In addition to my degenerative hip disease, which will require a dual hip replacement sometime in the not-too-distant future and which requires me to take daily pain meds ($235/mo without insurance), I suffer from chronic migraines - a hereditary condition passed from grandfather to mother to me, and now, unfortunately, to my 10-year-old son - which also require daily as well as episodic medications (+/- $400/mo without insurance); and, as of April, I have melanoma, which no insurance company would touch on the open market. The melanoma requires no medication, but it has so far necessitated eight minor-to-moderate outpatient surgeries, and in the months and years to come will require skin checks every three months by a dermatologist, and innumerable biopsies to rule out a recurrence of the disease.
Without the question of medical coverage, I would have left my bad employment situation years ago; and with the new addition of melanoma, I cannot leave this now intolerable situation without having another job in hand - almost impossible in the current marketplace.
The joke is that in today's USA, I am one of the lucky ones. While I may have limited choices, I
do have healthcare coverage and a job. For those with neither, life is an unmitigated hell of
choosing between prescriptions and food, or
giving up entirely because the battle is too exhausting.
And for those who say that publicly funded healthcare would lead to rationing, please explain to me how the fact that I have spent the last 4 months waiting for an appointment to my local pain clinic because only one physician there takes my particular insurance is
not rationing. Or how it is not rationing for my insurance company to allow my only 6 doses of abortive migraine medication for month when I may need 12-15 doses?
We have healthcare rationing in this country, but it is rationing care on the basis of preserving the insurance company's profits rather than on treating the most urgent medical crises first. It is red-lining pretending to be triage.
Yes, there will be up-front costs to providing healthcare to everyone, but those costs per-capita will be minimal (and reasonable) when compared to the social and economic costs of 50 million Americans going without care, and employers like mine having to absorb 20%-40% premium increases, year upon year, making them less competitive and innovative, and less productive within the overall economy because insurance costs eat up any budget for capital improvements or equipment purchases.
I don't know what it's going to take to shake up our bought-and-paid for Senate and get a plan that actually eliminates health insurance as a class wedge in this country (while not incidentally improving our infant mortality and overall morbidity and mortality statistics). But I will be contacting my
Senators and
Congressman to tell them my story.
Will you?