To all "medical coverage is a privilege" folks: - page 11

by dirtyhippiegirl

16,029 Views | 134 Comments

You're presented with a five year-old who probably has appendicitis. The family is poor, does not have medical insurance, and they only have a small amount of money to cover diagnostics and treatment of their child. (Any... Read More


  1. 5
    @Neatnurse 30,
    I work as an RN and I am not having children I have already raised them and the government isn't paying for them or me. I am most certainly not on drugs and I have no insurance because my employer only offers it to full time employees which I can't be due to health issues. I am looking for full time work while working part time and would love to have insurance but please dont use stereotypes and generalities about who is insured or not insured in the United States of America. Do some research at the CDC website and Medline you will see who is insured and who is not.
    Last edit by Psychtrish39 on May 10, '12 : Reason: phasing
    myelin, herring_RN, Merced, and 2 others like this.
  2. 6
    I'll jump in on this. Most hospitals will make arrangements with patients to pay off bills. $5000 to remove an appendix? Maybe in Mexico. I had shoulder surgery last year to repair a seperated shoulder and it cost 5 times that, just for the surgery. Labs, PT, pain meds,etc were all extra. Total cost was $48,000. Luckily the injury was a result of a car accident and the other drivers insurance paid (he was at fault).
    But what if it was a heart attack, stroke or other type of accident? I worked full time and had insurance (BS/BS). I Paid $300 a month for that privledge. How much would they have covered??
    Answer: about $20,000. They would NOT pay for: Ambulance ride or any procedures done in the ambulance, CT scans done in the ER, or Physical therapy. The would have paid a percentage for everything else. I know this because claims were filed with BC/BS before being turned over to the other guys insurance.
    My point is you can be employeed with insurance and still owe a ton of money for medical procedures. Insurance companies say that they care about you but they only care about your money. I'm a nurse in a specialist's office and I fight with insurance companies daily to get approval for medications, tests, and treatments. ALL insurance companies fight with medical providers over payment.
    It's not just the poor, or unemployed or lazy who rack up medical bills. It can happen to ANY of us. All it takes is the unexpected.
    herring_RN, Merced, txredheadnurse, and 3 others like this.
  3. 3
    "If the family has no insurance, then that means they are not working. Maybe they should have thought about birth control before conceiving a child which they can't afford. Why should I feel guilty now for all the folks who are irresponsible - produce kids, don't work, do drugs, illegals? Do you expect me to pay for all of them? If you think that healthcare is a right, then go ahead and pay for all of these people, and we'll see how quickly you'll change your mind." Quote from Neat Nurse....

    my response:
    I know a lot of people who WORK and are not able to afford insurance, and have jobs that dont offer insurance. And Indeed, most people do not ask to have an ill child, or cancer....
    Last edit by sauconyrunner on May 10, '12 : Reason: grammer and clarity
    herring_RN, Merced, and tewdles like this.
  4. 12
    I will apologize first...I am sorry that I am going to offend some of you.

    Arguments such as...if you don't have insurance you are not working, or you prefer to pay for a new truck instead of insurance, or you should take better care of yourself, etc, etc, etc are IMHO primarily based in ignorance and division.

    There is no intent to improve any service, any process, or any access. There is only intent to lay blame and create division.

    People who think that only the unemployed are uninsured are ignorant about health insurance.
    People who think that people who work and don't have insurance simply don't have their priorities right are ignorant about the realities of those choices in those income brackets and situations.
    People who think that only the uninsured are bankrupted by health care costs are ignorant of those facts.
    People who think that only irresponsible people have costly health expenses are ignorant of too many things to list.

    Flame on and Peace out.
    myelin, everwonder_y, BCgradnurse, and 9 others like this.
  5. 3
    BCGradNurse: Thank you for responding to Neatnurse30's comment in such a sensible and sensitive way. I agree with you completely and could not have said it better. In fact, my reply would have been really snarky! I truly hope we can achieve universal health care in our country one day. Now I have to stop typing, because everything else I can think of to say in response to that offensive comment is just too, well, not nice....
    Psychtrish39, Autymn, and sauconyrunner like this.
  6. 5
    Quote from nicurn001
    But there you are wrong because in order to recoup uncoverd costs of the uninsured who do not qualify for some form of assistance , then the cost is passed onto the customers , we then pay that through increased premiums .
    To borrow another posters phrase " it burns my soup " , the group that could afford to pay for insurance but choose to shift the risk and therefore cost to me .


    "...because in order to gain (extraordinarily MORE) than recoup uncovered costs of the uninsured..." --

    There, fixed that for ya (not really you, but that often used phrase or explanation). I have no doubt disguised in many of the healthcare rate hikes that are supposedly 'recouping' for those who are uninsured, is the hidden agenda of more profit, more of the time. No way for we 'payors' to see it or prove it eh?

    Board members do not face a puzzle of 'how do we maintain the profits we made last quarter', they in earnest seek to continuously, zealously RAISE their profits. There is no discussion pertinent to them like "the insured, loyal customers who have been with us for years should get a huss this quarter." Customer service is the surface-speak for attaining corporate goals.

    Meanwhile we continue the infighting over who should pay, who should suffer or die since they probably made unwise choices at some time in their life - versus those who are oh so much brighter and more moral, and perhaps more lucky. We continue to be distracted, and the owners of the healthcare conglomerates continue to increase their revenue.

    No one begrudges achievement or success - no, not even to 'corporations' who apparently are 'people' too now in America. The shame is that the definition of those goals is muddied with literally, unlimited greed in the midst of pain and suffering.
    herring_RN, Merced, Psychtrish39, and 2 others like this.
  7. 2
    Well said Autymn...it is sad how greed has become so ingrained in the capitalist business model that we (the general public) now just accept that as the norm, when it HAS not been the norm in this country historically.
    herring_RN and Merced like this.
  8. 7
    All right, I'll bite.

    I've lurked on this site for a few years and this discussion was what finally prompted me to join.

    Here is my anecdotal story to illustrate why we need universal coverage:

    About 15 years ago, my mom sneezed, and afterward, her neck hurt. She spent a few months in pain, trying to correct whatever had happened with stretching before she finally went to her MD.

    Her MD told her she could try traction, or she could have back surgery. My mom, who was on a great health care plan, wanted nothing to do with surgery if there was another option available. Her MD prescribed a traction device which is basically a jaw strap which is attached to a bag. She fills the bag with water, slings it over a door, and sits in a chair with the jaw strap on. It worked perfectly. The traction relieved her pain and she was good to go.

    A few years later, my step-father died. My mom was insured through him, and stayed on his insurance through COBRA. A few months before her COBRA coverage ended, my mom started searching for personal insurance.

    She was denied by every insurance company which operates in her state because there is a note in her medical record which says she was offered an option of back surgery and she declined. No insurance company was willing to provide coverage for her on the off chance that she get a wild hair up her a** and decide to undergo the back surgery which she declined before.

    The upside of this story is that my mom is lucky enough to live in a state that has high-risk pool-coverage. She has health care insurance.

    She has health care insurance at $800 per month with a $7500 deductible.

    She pays $9600/year because her medical file mentions that 15 years ago back surgery was an option.

    So ends my anecdotal story on why we need universal coverage.
    myelin, herring_RN, Merced, and 4 others like this.
  9. 5
    [QUOTE=wilsonbl5150;6471536]I'll jump in on this. Most hospitals will make arrangements with patients to pay off bills. $5000 to remove an appendix? Maybe in Mexico. I had shoulder surgery last year to repair a seperated shoulder and it cost 5 times that, just for the surgery. Labs, PT, pain meds,etc were all extra. Total cost was $48,000. Luckily the injury was a result of a car accident and the other drivers insurance paid (he was at fault).

    But what if it was a heart attack, stroke or other type of accident? I worked full time and had insurance (BS/BS). I Paid $300 a month for that privledge. How much would they have covered??
    Answer: about $20,000. They would NOT pay for: Ambulance ride or any procedures done in the ambulance, CT scans done in the ER, or Physical therapy. The would have paid a percentage for everything else. I know this because claims were filed with BC/BS before being turned over to the other guys
    insurance..."



    Wilson - it is rare that some people even inform themselves of exactly what is in their so-called 'full coverage' health insurance. Some of the very same people who actually argue against humane healthcare for others, regardless of the economic vehicle used, will damn straight find themselves or loved ones in the exact position you describe at some time in their lives.

    Wrong-minded reasoning often has little experiential basis.
    herring_RN, Merced, tewdles, and 2 others like this.
  10. 0
    I had an ob patient on medicaid the other day ask me if it would be safe for her to go on the cruise with her husband next month. She said she needed a quick answer because her husband was about to purchase the tickets. I am a LVN and single parent that struggles to pays for my own insurance and healthcare and I cannot afford to go on a cruise. Or, how about these people that claim they cannot pay their healthcare costs, but smoke 1-2 packs of cigerettes a day? For alot of people, it is really just about what they choose to pay for.


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