Good Morning Everyone!
I have a lot to say and not much time so, I am digging right in. I am frustrated and frankly confused about all the talk of health care reform and what it really will mean for our country but, really, what it will mean for me and my family.
I don't get why we need it, our state of Minnesota has a terrific health care system and we also offer our own state run insurance for lower income families and people. In fact, really, you don't even have to be low income as with our sized family, we can make upwards of $67,xxx + a year and still qualify for our state health care. Which my family and I have been on now for almost 4 years. It saved us when Steve didn't have a job and when we couldn't get our own health care. We still pay premiums based on our family size and our income. Premiums can range anywhere from $4 (per person) up to over $200 (a family).
We have no co-pays for the children or pregnant women and adults are $3. That is for doctors visits, prescriptions, and eye appts and dental. It will also cover things like mental health, drug/alcohol treatment, and cancer treatments. We are free to visit our regular doctors and dentists and we have a very large number of doctors and others to choose from. We can even see specialists when needed.
I like MN Care, I like it alot, and I am bummed that we will no longer qualify after November 1st of this year and we will need to find our own insurance. I don't get the whole deal with not being able to find good quality insurance. I have always had insurance, yes, it is expensive sometimes but, at least here in Minnesota, I think we have such a high quality and quantity of doctors to choose from, it is worth it. Can you really put a price on your health? Plus, how much worse would it be if you didn't have any health insurance?
I understand that most of peoples bills are from medical and it is the number one reason people claim bankruptcy. However, I don't believe that is because of doctors or lack of health care and I don't believe a nationalized health care system will fix that. Yes, it might lower the cost some but, really, we will pay for it in other ways such as higher taxes, lower standards, and fewer choices.
I used to work for a medical insurance company and I can tell you a few things that make our costs for insurance and doctor visits so expensive....US! We are a sue happy nation and we like to blame others for everything. We tend to not take responsibility and we want others to take care of us and we don't want to have to think for ourselves.
The claims that used to come across my desk were sick and unbelievable! People suing their doctors for malpractice because their baby died at birth yet, they had NEVER had ONE prenatal visit or check up and the baby had issues that could have been solved or taken care of prior to the birth but, by the birth it was too late...believe it or not, many of those cases the women won and won a lot of money. I even saw a woman who had 2 different babies die at two different births and BOTH she was a drug user and never saw a doctor for any prenatal visits and she won both times. Sick.
Granted those are extreme cases but, I also saw people who sued the doctor because they claimed things like, they didn't know they could be allergic to the latex in their breast implants(even though they knew they were allergic to latex and neglected to mention it to the plastic surgeon), or someone who sued because they didn't tell their doctor about the 2 other doctors they were seeing and the 3 other prescriptions they were taking and had a huge reaction to the new presciption and almost died. Those are all cases where the patient was clearly in the wrong yet, they sued...and won.
It is getting harder and harder to find doctors who specialize in just birthing babies because the cost of malpractice insurance is so high, it isn't worth it to them to practice. I knew a doctor who refused to take patients that were over the age of 35 and having their first child because of the known complications and he just didn't want to take on the risk of liability.
Then, you add in the insurance companies. Wow, they are in the business of making money and they will sell, sell, sell their clients(doctors and clinics) on why they should only prescribe their meds for patients. There are many clinics that won't even offer generics or cheaper meds.
Or what about people that refuse to go to the doctor until they are on their deathbed and they could have been saved had they just gone in earlier? These are all cases that drive up our costs of insurance and of health care. The government has so many other issues they need to fix before you can try and fix this! It is like this...a car gets into an accident and instead of repairing the engine damage and the flat tires and broken windshield, they first paint the the car to make it look better and prettier because that is what is most appealing to the eye. It still doesn't work and won't work until you fix all the broken parts but, it sure is pretty!
I hear everyone talking about insuring the uninsured...well, has anyone taken into account the people that choose not to have insurance? Yes, there are people out there that just don't feel like they need health or dental insurance! I knew many single people that were in their 20's that saw no use for having insurance and didn't want to waste their money on it...not because they felt it was too expensive but, frankly, they wanted the extra money for going out on the weekends or vacations or clothes. In fact, looking back, I had health insurance my entire life and in my 20's, I think I can count on 1 hand how many times I went to the doctor (until I got pregnant) and I could have saved myself or my parents a heck of a lot of money by NOT having insurance. Yes, it is important to have health insurance like you have car or home owners insurance just in case of an emergency but, then get emergency only insurance or something..way cheaper!
Now, in an effort to do some research for this blog, I did try to find some information about the Nationalized health care plan on the web...frankly, it was very hard to find any specifics on the plan(which is a bit un-nerving to me, personally) but, what information I did find says they are hoping to 'Improve Preventable Care'. Ok, so does that finally mean our government will recognize alternative care and homeopathic? Does that mean that I will finally be able to visit my chiropractor more than 12 times a year? Does that mean the my son who is on the Autism Spectrum and takes hundreds of dollars of supplements and vitamins a year that those will finally be covered? So that means vitamins will finally be covered right? If what I read is right and they are hoping to stop people from getting sick with nutrition information and education and exercise and teaching America to be healthy again then one could assume that means us taking vitamins will be able to add those to our medical spending accounts or deduct them on our taxes as a health care cost correct?
Or what about those of us who not only choose but, those of us who also don't choose to eat healthier. Do people who eat organic, whole foods, workout and in general take care of themselves inside and out do we get the opportunity to have cheaper health care? Do we get discounts on our foods and stuff?
Or what about families with children with food allergies and sensitivities, will our nationalized health care help us offset the cost of buying wheat-free/gluten-free or dairy-free/casein-free foods so our children can be healthy and not be in the doctors offices as much?
Will we stop medicating children in the classrooms and teach parents, educators and others about the benefits of nutrition and how certain foods can affect certain children? Is that part of the nutrition package in this health care reform?
Now here are my questions and concerns and please, I welcome all feedback and answers as I really don't know much about the nationalized health care plan.
-Will they tell me which doctors to see?
-Will my children be 'tagged' throughout their lives by the system because of their health care issues
-Are you going to force me and my family to have health care?
-What if we choose to not have national care?
-Can doctors opt to not take patients on national care? (they can on MN Care, and I believe it should be a choice for doctors/clinics)
-If there is a malpractice suit..who are we suing, ourselves?
-If we are unhappy with our national insurance (company) can we complain to them and then again, are we complaining against ourselves?
I know how inefficient the government is with spending, can I really trust you to spend wisely with my health care dollars? How can you assure me that there won't be any 'gifting' or under the table deals with certain doctors/clinics like there is now with certain politicians and governments?
Social Security is a joke, the IRS is a bigger joke, how are you going to make sure this is a strong and well run system? Why can't the states decide what is best for their people and be allowed to create their own health care systems based on the needs of people in their state instead of the 'general population'?
Is Minnesota the only state that has health care? How many states have their own state run health care option?
Frankly, one more thing...sorry but, as we in Minnesota await the President to visit here and talk about national health care, one Minnesotan has a lot of questions and wants a lot more answers first. Why is no one else in Minnesota standing up and talking about our own health care and how wonderful our system is here in Minnesota? If it isn't broke...don't fix it!
Oh...and I am sorry, but, I understand the frustration of that S.C. Republican who shouted out last night. Yes, it was very wrong that he did that and that he called our President a liar but, I do understand the frustration...here is why.
The President was speaking about health care and illegal immigrants at the time, by the way, as many of you probably don't know...I believe we will give the illegal immigrants access to free health care as we already do in Minnesota. Yep, EVERY immigrant whether legal or illegal gets FREE health care in Minnesota. Why? Because they are afraid they won't get immunized so, they just give them all free health care so they will go to the doctors and such. Don't believe me? Heard it straight from a good source....one of our local hospitals that has an ER filled with immigrants daily/nightly because they use it as a doctors office instead of an emergency room. We were told(after asking) flat out that the State of Minnesota with NO Questions asked, hands out immigrants free MN Care to assure they get immunized and go to doctors.
So, there is your answer as to why that Republican blurted out last night. Frustrating yes, I don't agree with him but, do understand. Now, please help me understand the health care bill/reform so I can make an informed, educated decision about it for myself and my family.
Blessings to you all and DO YOUR RESEARCH!
-Liza
UPDATE: I just read a slideshow about the reform and I think it is very similar to what I have said, it will cost us more, it will drive out jobs in the private insurance sector(of which Minnesota has a LOT of jobs) and we will be at the mercy of a government run agency that really, in my mind, isn't very good at running companies!
Plus, everything I have read says it will FORCE people to carry health insurance, why? If they don't want it, that is their issue please don't make it mine. I will say I agree with the President on one part of the reform....NO pre-existing conditions.
Just remember everyone, once this is voted in and put into place, it is there forever. There is no going back so, make sure you know what you are getting into, don't just listen to the speeches, read the papers, or blogs. Do research, know what your Senator is voting for and know what the President is pushing. I don't know if it is right or wrong for our country, I really don't know but, I want to make sure I know as much as possible before it is all too late...either way.
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