This blog is my outlet for my rants when my loved ones get sick of listening to it. The whole issue of health care is one of my rants, but I have avoided talking about it for the most part, since it is pointless, no one in power even hints at my position. After hearing what is going on with several of my friends, I have to talk about it. You can say our current system is broken and needs to be fixed, but I think that is like asking the fox to fix the hen house.
Medicare has a part A and a part B. According to the older people I have been talking to, Part A is what you get automatically when you turn 65. That only covers hospitalization. Part B is what the government has been tinkering with, and you have to buy that, like regular health insurance. Depending on which plan you choose, the price and benefits vary. Now you can get Part B subcontracted through regular insurance companies. According to my sources, if you buy Part B insurance at age 65, it is around 150$ a month. If you wait, as they have done, till you are in your 70’s the price jumps to over 1000$ a month. The rational is that those who bought at 65 having been paying in over time, while the late comers will draw more than they pay. You could easily argue that those who bought it at an earlier age have also been using it more, so it evens out, but that is not the governments reasoning. My friends said that barring serious illness, it is cheaper to pay the doctor.
Which brings me to my point. I think all that we have been doing so far is silliness. Why is the government dealing with health insurance at all? Rather than pay insurance companies, and add a layer of bureaucracy to the whole mess, why not subsidize health care directly? Pay all doctors a flat salary, say 50,000$ a year. They could then charge a sliding fee on top of that, so that the poorest and richest could each afford to go. Make it illegal to not treat someone, regardless of ability to pay. Hospitals too, would get a base amount, to help keep them afloat, for treating the poorest people for free, or at a limited cost. Cap what they could charge, so greed wouldn’t get out of hand.
Universities already get billions in tax dollars and endowments, they are the ones creating new medicine. Let them partner with companies to develop new treatments and drugs.
I’m not saying I’m all in favor of the government running the show at all. We seemed determined that that is the way to go. All I’m saying is if that is what we want, lets do it without lining the pockets of the insurance companies that exist for no other reason than to siphon money out of the health care system. They do what they do FOR A PROFIT. Which means they charge MORE THAN IS REQUIRED. Not to mention they don’t produce ANYTHING related to health care.
I’m Ok, Just lost my breath for a moment. Really, I’m ok. I AM calm. Seriously though, I don’t see why this wouldn’t work better. I know why it won’t happen. It’s too big. Insurance, existing only to make money, has money. Money is Power. It would be like trying to slay Goliath to get rid of health insurance now. Not to mention that it is entrenched in our mental view of the world. No one even talks about affordable health care, only affordable insurance. We have blinded ourselves to the elephant in the living room.
If anyone out there can point out where I’m wrong, or has a better idea, I’m all ears. Please enlighten me. I don’t mind, I have plenty of other soapboxes to climb on.