Warning- Rant Alert:
I very rarely post about serious issues. I usually use my blog for posting happy things, but I’m steamed, and I’m going to have a public rant:
I hate the idea of socialized medicine. I don’t really want my healthcare dictated by the same people who brought us the US Postal Service. Have you ever been in line at the post office? Yikes.
Here is my opinion folks: Medical Insurance is a scam. Now wait a minute while I explain. Insurance companies, like casino owners and stock brokers are gamblers. Insurance is all about the company betting that they will not have to pay out. The insurance company bets that your house will not burn down, that your car will not get in a wreck, and that you will stay moderately healthy.
The house always wins, remember. The medical insurance company makes money because most of us stay well, and do not get major illnesses. Most people just need regular, preventative medicine. Most people pay out thousands of dollars every year on medical insurance, and “lose” the bet by staying well. If they make money by betting I stay well, how does that help me?
There is something very interesting I learned twelve years ago after I could not afford to have medical insurance anymore….
Not having health insurance is saving me money. I ask for, and get, a cash discount for all of my medical expenses, including hospital, eyeglasses, dental, and my regular doctor. Plus, my doctor prescribes the most cost efficient medicine when we need some. Not only that, but without insurance, you can talk to the doctor and just get what you NEED.
Medical offices do NOT like to deal with insurance companies. They very gladly give a cash discount because they are only treating you, not having to do a mess of administrative paper work. The prices are higher just because insurance is such a pain for the providers. Because of that, they do not mind passing some of the savings to those paying CASH.
(We pay cash for everything. We do not have credit cards. If we want to buy something, and we can’t pay cash, we do not buy it. We give up luxuries in order to save money for emergencies. We live like this because it is cheaper. We do not want to pay interest on purchases. No credit cards equals no interest. If you can’t afford to buy something NOW, how can you afford to pay for it later, PLUS interest? OK, I’ll get off my soapbox….Paying cash just saves money all the way around….)
Back to my rant: My hubby smashed his hand at work some time back, and opened a finger up really bad. Obviously it needed stitches, so we went to the emergency clinic. The doctor wanted an x-ray, but we asked if we really needed it. He looked at the finger, and felt it, and said, no x-ray was needed. In addition to not having to pay for the x-rays, we were given a discount for paying cash. If we had insurance, we would not have questioned getting the x-ray, and would have been charged full price.
For the last two years, I’ve been treated for a lung disease. I’ve paid cash the whole way, getting cash discounts from everybody I’ve seen. I even get a cash discount for the oxygen tanks I have to use when I go out, and the oxygen concentrator at the house. I have negotiated every stage of my treatment, not getting anything that was not necessary.
When you compare the cost of medical care between the insured and the not insured (those paying cash), you are not comparing apples to apples, but apples to oranges. As a person who negotiates each financial step of my medical care, I am actually getting a better financial deal than I used to what I had insurance. All the money I save my not paying insurance premiums I can actually use to pay my doctor and hospital bills. What a concept….
When the newscasters talk about the “uninsured” they are assuming that people who do not have insurance are not paying their bills, and are a drain on the country. That is very dishonest. Now that I know how the system works, I do not want health insurance. I especially do not want to be FORCED to pay for it by the government’s socialized medicine program. That should be my choice, no one else’s.
The concept of national health care is being sold to us like it’s going to help all the people who cannot afford health care. In reality, the taxes of people who cannot afford health care are going to be raised up so that the government can mismanage the money for another badly run system. Private businesses know how to make money. The US government can NOT run things properly.
For instance, I have paid into the social security system for a very long time. If I had been able to put that money in my OWN retirement plan, I’d have a lot better future to look forward to. The US government mismanages money so badly, that people older than me might not receive the social security benefits that they paid for all of their working life.
Please, Washington DC, don’t ask for more money from me until you show you can be responsible with it….
(That said, I am very happy that I was born in a country where you can complain about the government and not get punished…..)