Tag Archives: middle class

Trumpcare, Obamacare, Whatever

5 May

It’s all the same mess to me. As a health care consumer (do I consume health care?), I am thoroughly disgruntled by the entire scam.

I am a relatively healthy person, and so is my family, thank goodness. Yet what we pay for health care and insurance is outrageous. Dealing with fertility testing, treatment, pregnancy, and birth recently just solidified my feelings regarding the health care industry in this country.

One thing I will never understand is why there are not menus at doctor’s offices where you can see, upfront, how much a procedure will cost. When hit two years ago with a surprise $1,200 bill for a test that included saline water, a plastic syringe, 30 minutes of my doctor’s time, and my fallopian tubes (not fun), the billing department literally could not even explain the charges to me. But I owed it to them anyway.

When I gave birth, the hospital charged me $3,000 just to use a “private” doctor (whom they almost failed to get into the room before my baby was born). They charged me $1,000 for cold packs I never even touched. I spent less than three hours in the labor and delivery room and a day and a half practically being tortured with inedible food, constant wakeups, and needle pricks in my recovery room, only to be charged around $13,000 for the whole shebang. I shudder to think what the cost would be if I had used any anesthesia.

The question I wonder is, am I truly paying solely for my care? Or is this some kind of crowdfunding?

We need to be a cash system. There needs to be transparency and competition between doctor’s price points — and the ability to negotiate cash costs with your doctor. We should have catastrophic coverage only (which would include long-term illnesses no matter how old you are). We need to be encouraged to save the premiums we are charged every month, building up equity for any problems that should arise. We should be able to keep someone on our plan no matter who they are or how old they are, as long as we’re willing to pay for them.

My guess is that our income is high compared to much of the country (and low compared to others — hello middle class!), and I find health care costs to be overwhelming. It didn’t get better for us during Obamacare, and I don’t see any change in the future with Trumpcare. I can only hope I’m wrong and that someone in power will see the light.

health care costs

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