Here's a story from someone who did not have health insurance for nearly 10 years. Due to devastating financial circumstances, my husband and I lost our employer sponsored health insurance and could simply not afford to pay the high cost of insurance ourselves. At that time there was no one rallying to our cause and worrying about the "uninsured." We simply carried on and did what we needed to do. Even after the ACA came into fruition, not being poor enough to qualify for truly low cost or free insurance, we found that it would have cost several hundred dollars per month for coverage that was minimal with extremely high deductibles that would not have made sense to even have the insurance. Being healthy, we would have been paying exorbitant rates for "just in case" we got a catastrophic condition. We were fortunate and got through that rough period with self-pay. I never considered showing up at the ER for free care. They would have billed us anyway. It's not like I didn't have any money or ID etc. Husband hasn't been to a doctor for years, until recently when he broke a hip (another story, but he has medicare now) I only went to the doctor when I needed to or when I needed glasses/contacts etc. I mystery shopped the dentist to get my xrays and cleanings and paid for my own fillings when needed. Eye doctor charged lowest fee. Primary care provider charged lowest fee on their scale. When I lost hearing in one ear due to Meniere's Disease, I needed an MRI to rule out tumor. For self-pay, the hospital charged about 1/4 of what the cost would be if I had insurance. Ear doctor also worked with me to bill lowest possible fee and there were many visits. When the medical professionals found out I had no insurance, they were very willing to provide lower bills...much lower. I suppose they would rather be paid something instead of nothing. To me, this is a huge problem with our health care system. Inflated drug and medical service costs. If that could be somehow straightened out, it would solve many problems. Not to knock anyone with great insurance coverage, but I have seen family members and friends with good employer sponsored coverage run to the doctor for every little thing...ingrown toenails...colds etc. I have been in awe at the number or prescriptions some take. Drugs are necessary sometimes, but I think we, as a whole, are too quick to pop a pill when it might not be totally necessary. Eating healthy foods, removing the salt shaker, and exercising can prevent lots of health issues.
Also, now that I'm not a youngster anymore and on Medicare, I can vouch that the amount of the doctors' fees that Medicare pays is much less than what the doctors charge. Who actually pays the full amount? Really? Anyone? or is it just the insurance companies. If there was Medicare for all, I think we would see a large drop in the number of doctors in practice as they would not be making nearly what they are making now after spending how many years in schooling. However, I believe the fees are way out of whack and I also think there is a lot of abuse of the system going on. So, in summary, I think the insurance system, drug prices and medical providers fees need to be examined and brought to more realistic amounts.
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The more I learn about people...the more I like my dog..
Mark Twain