Some truth

So this came by my Facebook yesterday and to tell you the truth, it never actually occurred to me that people might think this, but yeah…

 

american insurance

Now I, for one, know that hospitals and doctors are not charging for real prices for our medical treatments and medicines. I mean when a medicine first comes out, it costs hundreds, if not thousands of dollars to the customer. Once it’s been out a while — long enough for a generic — it’s down to tens of dollars.  I’m not a genius, but it doesn’t take a genius to understand that if it can go down to tens of dollars, then it always cost tens of dollars to make. The hundreds (or thousands) was a mark up for “research and development” and to line insurance companies’ pockets.  Mamma didn’t raise no fool.

insurance humorI also read my bill when I get it from the doctor, and the markup for things in the hospital are astronomical. The splint that they put on my finger costs almost 100 times more than the one I bought at the store the next day… and they buy those things in bulk. Don’t tell me they don’t get a discount for them. It’s great if someone has insurance, but if you’re like me — someone who’s been flying under the insurance radar for most of her adult life, well, that splint just might break the bank. So yeah… things aren’t as they appear.

But it never occurred to me that people here in the USA might actually believe that medicine and medical treatment actually costs what they’re being billed. And why wouldn’t they? I mean, this is all they know.  And if this is the case, that it would be the reason why they’re against universal health care. And honestly, that makes me a little sad.

4 thoughts on “Some truth

  1. You are absolutely right. There ARE things that are expensive. My heart surgery and cancer surgery were expensive because the surgeries were long and the surgeons and the gas guys and the spare parts for my various missing pieces cost money too. But when they charge me $488 for an inhaler? Really? Of course, I don’t have that kind of money, so I don’t get the inhaler and I wheeze a lot.

    I like to think that a single-payer system would cure some of this problems. Broken arms would not be in the same price category as brain surgery. And you wouldn’t be paying $12 per aspirin, either.

    Liked by 1 person

  2. SOME Americans might buy that, some of us know the reality and are a pain in the butt to pharmacists and insurance call centers across the USA because we REFUSE to pay exorbitant fees for something that costs a few dollars to make. This year, and it’s July now (wow!) I’ve yet to pay my over the top deductible, which has landed me in a permanent donut hole (I love how they shuffle around their pick pocketing, trying to confuse people that it’s legal) and paying too much for my insulin. Because I worked IN the system and know how to work it in this mess, I’ve found loop holes and so far only lost, oh say, roughly half my life savings to the prescription monster. I exaggerate, but only slightly. I don’t like taking the %#$! insulin anyway, and figure that if someone tries to foist $500 per vial (100 units), I’ll simply stop. The endocrinologist and doctors can argue with them about it. Fuck ’em. I hope you find some resolutions to your dilemma, and be wary. They’ll ‘get’ you one way or another — the penalties for not signing up for Whoever Care (whatever they’re calling the national insurance plan today) are stiff. And you’re saddled with exorbitant premiums for life. How I know this is that a woman I know married an old man who, like you, flew under the radar. He had a heart attack and several other ailments, which oddly surfaced after he married my wealthy friend. They had to pay $500+ in ‘penalties’ because he hadn’t signed up for Obamacare, and now she pays hundreds for his premium alone. And the idiots love T Rump and think he’s the messiah. Go figure!!

    Like

  3. We had insurance through Douglas’s work until he didn’t have work… then we had it for 30 days afterwards… we have a 90 day leeway for no insurance and that’s not quite up I think. So now that he’s employed again he can get it through his work again. So we’re good with that (I think). But before the ACA was even a thing, I went for decades without insurance. Who could afford insurance? Not me.

    Like

What say you?

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

w

Connecting to %s