Let me describe: We pay just under $600 in monthly premiums for two insurance plans (one for me and one for Mark and the kids) I had surgery in June and the insurance company paid some of it but most of it was “written off” while I paid the $2000 deductible. I actually didn’t think that was too bad considering the surgery and care I had. It was superior! But I still carried as much cost as the insurance company when it was all said and done.
Mark wrecked his ATV (Don’t freak out mom…he’s ok!!!) and was taken by ambulance to the ER. He was there for 2 ½ hours, was given and IV, had a CT scan and was sent home. He was perfectly fine – well, he had a concussion and was really sore, but nothing serious) That little visit cost $21,328.70. Yes, that’s right - $21,328.70!!! That’s about $7500 per hour!!! and this doesn’t include the ambulance! The insurance will most likely get to “write off” most of that while were stuck paying a $5000 deductible.
So let’s do some math here: We pay about $7,200 a year in monthly premiums, and also are paying at least $7,000 in deductibles (this doesn’t include the 80/20 payments or co-pays either so it WILL be more out of pocket costs for us) That’s a whopping $14,200 in insurance/medical that we will pay…and we’ll pay more once we play the 80/20 game with insurance.
Ok, before I post my thoughts, please know, I’m fiercely pro-life, love God, vote republican…most of the time, go to church every Sunday, am a member of a Baptist church, read the Bible, listen to Ravi Zacharias, Piper, and other great preachers…even some with a Calvinistic/reformed bent…so I’m not some left-wing liberal masquerading as a “conservative.” Ok… so here’s my thoughts/questions about socialized medicine:
First of all we already have a semi-socialized system. Medicare & Medicaid are socialized medicine, so if you’re enjoying either program, you’re benefitting from socialized medicine. We also allow anyone who walks into an emergency room and get the care they need. It’s against the law to turn them away. This law was put into effect by Ronald Reagan, a Republican, in 1986 and it is a form of socialized medicine only the government doesn’t pay for it…I do! That’s why my bill is $21,000!
Ok, so when I watch CNN I hear stories of people in the US who can’t afford health care and can’t get the surgeries they need because they have no insurance and no doctor will take them. I believe this does happen. I didn’t have insurance when I was first married and believe me, no doctors would care for me or take me as a patient and they were VERY rude about it too. When I watch Fox News I hear about the Canadians and how they’re turned away and dying because they can’t get in to see a doctor. I’m sure this happens too. So we both have the same problem. Some people aren’t covered and can’t get the care they need. I could, at this point, diverge and rant about how our media (both CNN & Fox) are completely biased and promoting propaganda to support their political bents, but I will refrain. I want the truth...not propaganda.
Here’s my complaint: Insurance is running our healthcare. They are getting VERY rich while I pay all the bills. The costs for the individual are immense! I mean how do high monthly premiums have to climb before our family can’t afford to have insurance? More and more Americans WILL be un-insured as the costs skyrocket, so this is a serious problem. I don’t know that socialized medicine is the answer but honestly, the Canadians, as a whole don’t seem to envy us Americans, and most of them seem quite happy with their health care. (Despite what I’ve been told repeatedly)
While in the Dominican Republic, the Canadians we spoke to loved their healthcare and couldn’t believe what we paid for our insurance! They were stunned! The Germans we spoke to raved about their superior health care system and told us we were misled if we think our system is better. Now, I don’t think these few people represent ALL Canadians and Germans, but seriously...it wasn’t the dismal view I’ve heard about. To be frank, Mark and I were quite surprised to hear this viewpoint.
I read the following article written by Tim Challies. He is a preacher in the Toronto area. He is a solid, biblical, Calvinistic/reformed preacher, who I love to read. He is everything my dad loves; biblical, strong, to-the point, and passionate for God and His glory! And yet, listen to him reflect on Canadian health care in the attached blog post. It was quite eye-opening – especially the part about Americans crossing the border into Canada to get health care…WOW!! I’ve never heard this perspective on any network!
Anyway, read it and reflect. It’s at least, a different perspective from someone who is Biblical in his life and beliefs. Comments are welcome. But please, make sure they’re kind. I’m not looking for anger or propaganda from the right or the left - Just ideas and truth that I can mull over. Thanks in advance for your kindness & patience.