It seems to me that there is nothing more deeply personal than your health and that of the ones you love and care about. If you get sick, you don’t just ‘want’ to get better, it will become the most important thing in your life. It’s emotional, and will take precedent over everything else, and it should.
This means that any contract that you enter into about healthcare is loaded with stress and duress, and the basics of contract law are that any contract entered into under these conditions is not fair and equitable, and as such is not a fair contract. This may seem technical but it simply means that those papers a hospital or a doctor makes you sign saying that you are personally responsible for any costs not covered by your insurance shouldn’t be allowed. But yet they are.
The insurance companies, the hospitals, the lawyers and the doctors have created a special legal framework that is entirely weighted to their benefit.
And to add insult to this situation the American system means that the costs you are charged are list price, whereas the insurance companies get a massive discount on the bits they cover.
The costs of medical care in America are incredible, and the quality of the service is directly related to the amount of money you can pay.
Every doctor swears the Hippocratic oath. I’ve read this oath and frankly I feel that most US doctors are not living up to the spirit of the thing
Here’s a couple of sentences from the oath, they I’m sure your will agree are not the normal practice here in America :
“I will apply, for the benefit of the sick, all measures that are required, avoiding those twin traps of overtreatment and therapeutic nihilism.
“I will prevent disease whenever I can, for prevention is preferable to cure.”
In this country today people die because they cannot afford to get timely treatment, others go bankrupt because the costs that are not covered by insurance companies consume their entire worth and then some. Millions of people don’t have adequate or even any coverage, either because they cannot qualify due to pre-existing conditions or just cannot afford the monthly costs and still be able to eat.
Some say that for these people there is always the option of going to the emergency room. Well there are two huge issues with this. Firstly the emergency room will just treat them to the point where they are not going to die on that particular day; this is not an answer to a problem, but a stop gap. And secondly the costs that are incurred by doing this are just passed onto the ones who do have insurance, as increased premiums which have the effect of making premiums higher and so making them ever less affordable, exacerbating the situation.
The issue (as I see it) is the huge amounts of money involved. No one wants to give up his or her part of this gravy train. But it is clearly unsustainable.
The concept of reform in healthcare driven by government seems to be the only way to break this logjam.
But the size of the powerbase involved has so far warped the political process beyond anything reasonable. They are many great improvements within the healthcare changes that President Obama has lead. But it is just a small step on a very long road, and some critical elements of any good plan are missing or just wrong.
The cost of healthcare is far too high, and the quality available (on average) is far too low. We need lower drug costs, medical services driven by results and not on a per service basis. And we need to trust that doctors are doing the best they can, by us accepting that suing doctors is not the first step in fixing a mistake.
Healthcare that helps avoid medical issues by preventative support has been proven to be the most cost effective and rewarding way to maximize the quality of life.
This is a very hard problem to solve, but it must be improved. When politicians use any change or proposed change as a political weapon, rather than trying to work together to find the best solution, they are failing everyone.
We all deserve better.