The American Health System

21/02/08 | by guardian [mail] | Categories: Uncategorized

First off, this is not an attack on Americans, nor is it an attack on America.
It is an attack, if you want to percieve it that way, on the American Government.

Guys what the hell are you playing at?
In 1977 the United States spent in excess of $1 trillion on health care which is by far, more than any other industrialised nation in the world; yet in many respects, it’s citizens are not the healthiest.(1)

Despite spending in excess of $1 trillion, the number of people without health insurance continues to increase reaching 43.4 million (16.1% of the population in 1997). (1)

By 2002, the HCFA projected that national health expenditures would total $2.1 trillion - an estimated 16.6 percent of the gross domestic product. (1)

The US healthcare system is the most expensive of systems, outstripping by over half again the health care expenditures of any other country. (1)

According to a Consensus conducted in 2003 preventable illness makes up approximately 80% of the burden of illness and 90% of all healthcare costs. Preventable illnesses account for eight of the nine leading categories of death.

Well thats enough of the statistics (I think).

Suffice to say, there is something seriously wrong when the general populace either cannot afford medical health care or lives in danger of losing their homes because of rising health care costs.
Worse still, many parents cannot afford to buy health insurance for their kids - I can only imagine the torment and mental trauma that is causing.

Most other civilised countries (I use the term lightly) have a system whereby the employee *contributes* to a government run health care system. The amount of *contribution* from the employee is calculated as a percentage of their wage. The more you earn, the more you pay - after all, you can aford it right?
For those that are unfortunate enough to be unemployed, your contribution is paid by the government.
If you are self-employed your contribution is slightly more than an employed person.

Each employer also has to make a contribution toward each employers health care - seems fair to me especialy as the employer will end up footing the bill for industrial accidents, work related health risks like stress etc.
In the UK it is called PAYE (pay as you earn).

On average, an employee can expect to pay around 11% of their wages. That doesn’t sound like a lot to me but I’m biased as I have paid that contribution all my working life in the UK so I have never had it to spend, ergo, I have never missed having it.
Don’t forget also that this goes toward your pension whether you need/use medical services or not!!

Of course the system is not perfect. We may have some of the most skilled surgeons and specialists in the world but where the system falls over is in current technology and waiting times.
We might not have all singing, all dancing gadgets but does that really matter that much? A cardiac monitor is a cardiac monitor - just because it makes a few extra noises, has a quad trace scope with a 4 foot flat screen so everyone within 50 feet of you can see just how bad your doing doesn’t realy make it *better* now does it?

Medical technology, like any other technology is subjective. What is the latest ‘must have’ bit of kit today will in a year or two be ‘old hat’. So why not just stay 1 year behind and save yourself a ton of money?
Lets look at it in perspective for a moment shall we.
You feel crap, you go to your doctor, he runs a battery of tests then sends you to hospital for more tests. When the hospital has done it’s tests they diagnose you with some rare flesh eating disease that means your left leg is going to fall off within two months.
Where would you like treatment? Probably America but it will cost you an absolute fortune.
But wait, what if this happened LAST year? Isn’t that the same as the difference between the ‘techonlogy gap’?
So does it really matter?

Personally, I would probably risk losing the leg - heck, what is the point in bankrupting myself if I have no money left to enjoy my changed quality of life. I’m going to need a wheelchair, crutches, an automatic vehicle, possibly some modifications to the entrance to my home. But then if I was in the UK, the medical expense, well there isn;t any. My wheelchair and crutches would be provided free by the hospital. Modification to my home would be carried out by my local area health authority and at worst I would have to pay a small contribution toward that.
The car, no problem, ‘Mobility’ will give me a brand new car, modified for my needs and pay all my running costs except for petrol - in return I’ll have to pay them a few £ a month but this would be nowhere near the ‘true’ cost.

So Mr President, if you are reading this. DO something about it!!
Other systems are not perfect but then they do not have a large proportion of the populace dying because they cannot afford treatment. Neither do they have a large proportion of the populace losing their homes, their self esteem and their self respect because they couldn’t afford medical cover.
Let me put it another way. A few days ago I was speaking to a gentleman in America. He had insurance cover but not as much as he could afford.
I asked him “If you were struck at high speed by a stolen car in which the driver was drunk and you were left with severe injuries, would you be covered for your medical expenses".
He said that he didn’t think his cover would meet the costs and that the resultant expenses were not worth contemplating. He then went on to say that if he had the power to do so, he would ask the driver to “do it again but make sure you finish me off” as he simply would not like to put his family through that sort of hardship.

1. Iglehart, J.K. “The American health care system–expenditures.” The New England Journal of Medicine, 340(1): (January 7), 1999.

7 comments

Comment from: montego [Member] Email
Just saw your new blog. I could write a book on why I disagree with this post, but I don't have the time to. I have seen too many governmental programs waste, waste, waste and not produce what was intended. Government run is not the answer my friend. What has made the American medical industry run amuck? The same Damn lawyers who end up in Washington who have allowed their coffers to be filled for 60 - 70 years with litigation revenues. Greed. Plain and simple.
27/02/08 @ 12:02
Comment from: guardian [Member] Email
Thank you for taking the time to comment M.
Obviously my own perspective is extremely biased as I have only ever known one system. It isn't a perfect system by any means even though it is widely adopted in lots of other countries.
The basic tenet remains though - something has to be done! People should never have to put their lives or livliehoods at risk because they need medical services.
If you ever found the time, I would love to read the book :)
27/02/08 @ 12:41
Comment from: boggy [Member] Email
Guardian,

I've been living in California for last 26 years and there was only a period of first 8 months that I had no medical insurance (before I got my first real job). Since then I had NEVER had any problems getting medical insurance or attention. Problem is, that due to a massive illegal immigration (mostly from Mexico and Latin America) health and educational systems are being under immense stress. I had to go to the emergency room with my 2 children on couple of occasions, and ... it was HELL. Most of the people where there to get treatment for influenza , and ... many didn't speak any English and ( you guessed it!) most of them had no insurance. Hospitals cannot refuse them help, so instead of treating real emergencies, they deal with illnesses that should normally be address by regular doctors.
You are asking why it is that in one of the richest countries in the World so many people have not medical insurance. There are many reasons, but most of them have nothing to do what the Europeans would thing they are. Many (if not most) of young Americans CHOOSE not to pay their share of health insurance premiums for plans that their employers offer (there IS a requirement for corporation with more the 20 employees to offer such insurance). In a average household, only one spouse insures entire family with his or her employer. Well, if this person looses job, or both of them do they still can buy an extension health insurance called CORBA (I did that). For last 10 years, I am self employed guy who .... pays his own health insurance. So ... you see, anybody that wants to be insured, probably is. I also agree with Montego, trail lawyers are also a big problems. Thanks to them, liability insurance premiums for doctors and hospitals have been going through their roof. Did you know, that because of this, many pediatricians quit their professions in rural America?
My sister was battling cancer for over 3 years and got the best medical attention from Stanford hospital and other doctors. She lost the battle with the cancer almost 2 years ago, but it was NOT caused by lack of insurance or medical help. The hospital itself actually waved the annual out-of-pocket expenses when she told them she couldn't afford them (she had to quit her consulting business).
Yes, there a bankruptcies caused by catastrophic illnesses, but they are caused by the shortsightedness of the people themselves (poor planning) and some simple bad luck. Health insurance should be treated and planned like another risk management tool. If you are young and healthy, the probability that you will get into some health serious problems are statistically low, BUT you ARE still taking chances. The risk increases with age (it is reflected in paid rates). I can tell you this, you can get an excellent health insurance for a family for a family for $400-$500 a month. Single person will pay 50-60% of the family plan. I actually read an article written by a financial adviser, who suggested that people should NOT be taking employer sponsored health insurance, and instead ask for an "allowance" to buy their own. I came to the same conclusion 10 years ago. You want to de-couple insurance from where and if you work. This way, you are protected even if you loose your job.
Now, we have a situation with liberal (aka. commie bastards) politicians who want to create yet another government pet program (with appropriately large bureaucratic machine behind it). Most Americans (even regular democrats) hate the idea. Only politicians and ... some Latino groups are pushing for it. I DON'T want socialized medicine! I hate what it brings - corruption and care rationing. I KNOW what systems in UK or Poland or Canada offer through their government administered plans, and I am not impressed. I read the newspapers, I read the blogs, I LIVED in Poland for almost 30 years and I know one thing - when push comes to shove - everybody gets on the plane (or car in case of Canadians) and go straight to good US of A for medical help (usually paying out of their own pockets for the services). Lech Walesa was just here to get his heart machine in. Why not in Poland and its "great" socialized system, I ask?
So anyway, new elections , the leftist media LOVE to talk about Americans without medical coverage. They actually want to force everybody onto it. If this happens, there will be NO incentive for the private corporations to pay their share for the health insurance coverage of their employees, but nobody wants to talk about it. This is one of these untold 'inconvenient' truths :roll:.
If I were you, I would really stop listening to idiots like Michael Moore, Jane Fonda, or there rest of Hollywood "useful idiots". For some reason, they still believe that George W. Bush is the biggest evil of the world; bigger then Saddam Hussein or his "Chemical Ali", or ... Hitler. Let me tell you this - I really do miss the duo of Ronald Reagan and Margaret Thatcher. They proved to the world and history, that in order to have peace, you have to be ready to fight for it and occasionally kick some ass (Libia, Argentina-Falklands, dismembering of Soviet Block, Granada).
I guess now you know my political vies B).

I would dare you (:>) to start a discussion on retirement systems and will tell you how most of people don't care about it until it's time to collect the first check, they have no savings and (you guessed it again)the checks are way to small to support them. New wave of "victims".

See yea.
07/03/08 @ 10:18
Comment from: guardian [Member] Email
Boggy, thank you so much for your perspective, it has been enlightening.
07/03/08 @ 10:58
Comment from: boggy [Member] Email
Guardian, I hope that Zoe is going to do some "editing" of my last comment. It WAS middle of the night when I wrote it, but the subject was way to interesting, so I couldn't resist and got sloppy :oops: ...
There are so many subject that make my blood pressure go up (Sean Penn, Al Gore, Michael Moore and -for different reasons - Alizee :roll: ... for example), so will be checking your blog for your perspective - :>>
09/03/08 @ 05:28
Comment from: guardian [Member] Email
No we don't edit stuff here :)
My perspective is naturally biased to my own experiences and information that's brought into my feild of vision, so to speak.
As 'M' commented, a Government run medical provision may not be the right answer, likewise I do not think that a purely privately funded medical provision is the answer.
There has to be some middle ground *somewhere* - it just seems so morally wrong to me that individuals suffer simply because they cannot afford to pay for treatment there and then.
I'm not including migrant workers; if they have not contributed in any way to the society in which they are living, then nothing should be free. If I was to fall ill or suffer an injury I would expect to pay though the nose for it and I took that into consideration when I moved to Poland. I didn't move here for 'a free ride' on their medical services or anything else.
In the UK everyone contributes to a Government run medical provision and employers contribute to that too. However, if treatment is urgent and theres a waiting list or it requires some special medical procedure that is not available (due to costs) under the Government run scheme then individuals can chose to pay for private medical care/facilities like BUPA - so they have the best of both worlds I guess..
09/03/08 @ 12:23
Comment from: guardian [Member] Email
I had a few minutes to kill and just re-visited this thread.
I actually miss Margaret Thatcher. I might not have agreed with every single thing she did but that woman had stainless steel balls!
21/07/08 @ 22:00

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