If I had the magical ability to change one thing about America, it would be fixing our sadly broken health care system. I am an enormous advocate of some sort of nationalized medicine. I’ll honestly admit that I have no idea how it would work at this point, but I also think that Congress is doing very little to work out a constructive solution when it should be an absolute priority. From about the time I got married and was faced for the first time with the reality of affording health care in this country, I’ve considered this a pressing issue. It’s something I talk about with people often, and it seems that everyone agrees that the current system is deeply flawed, and yet things seem only to get steadily worse.
This is something weighing particularly heavily on my mind right now due to the month we’re having. Let me preface this by saying that we have relatively decent health care and Nate makes a relatively decent salary. Now his health problems do put us in a different category from people who only see the doctor for sick visits, but as you’ll see in a moment, that only accounts for a small amount of our current predicament. The bigger issue is actually dealing with a simple illness.
Gus has bronchitis. He caught the cold we all had, but for some reason, it progressed to bronchitis. Because he’s only 4 months old, we’re all being very cautious; things can turn bad very quickly with such a tiny one. So since Thursday, we’ve been to the doctor twice, urgent care once, and paid for 3 prescriptions. You want to know what this has cost us? $135 dollars. And we’re very lucky that urgent care was able to treat him, because if we’d had to go to the ER, the total would have been $235. And if he’d been admitted to the hospital? $335.
Just 2 months ago, the total would all have come to $95. Our insurance raised ALL of our copays – some by as much as 100% – as of the first of the year. And the real irony? Our premiums also DOUBLED. (And this is the third time they’ve gone up in as many years.) We’re actually having to pay more to get less coverage.
Making this month particularly difficult is the fact that Gus’s bronchitis isn’t our only medical expense. Two weeks ago, he had a well child visit: $25. At that visit, I talked to his doctor about my concerns that he might have scoliosis. Gus has torticollis, which bends his neck, so he’s been seeing a chiropractor and a physical therapist. (Both of these are, thankfully, free. The chiropractor is free because I’m a patient of hers, and she doesn’t charge for children. Insurance does not cover chiropractic care at all. They do, however, cover up to 60 visits with a phyiscal therapist for a single condition, which is why the PT is free.) The chiro, the PT, and myself all noticed the bend in his back and hoped it was simply from the torticollis, but an X-ray was necessary to know for sure. So I talked to his pediatrician about ordering an X-ray, and it was clear he thought I was being a hypochondriac, but he gave me the order to placate me. Unfortunately, I wasn’t being a hypochondriac; he does have scoliosis. So now we’ll have a $35 copay next week to see an orthopedist. (Specialists used to have the same copay as primary physicians, but they changed that with the copay restructuring at the 1st of the year.) And finally, Nate has another post-surgical follow up with his ophthalmologist on Friday, which will be another $35. So our grand total for the period from February 12th to March 2nd will be $230. (It’s a good thing I’m not pregnant anymore because I had to pay my copay at EACH visit, and a pregnancy that goes to its due date will typically result in a minimum of fourteen visits to the doctor – and that’s prior to labor and delivery.) Edited to add – And how could I forget? Gus also has a follow up with the pediatrician on Thursday to make sure he is recovering from the bronchitis, so that’s another $25, bringing the grand total to $255.
How is the average middle class family supposed to make ends meet during a month when they have to spend $255 on medical care, above and beyond their premium. Certainly, if a family has no debt and plenty of savings, it would be no big deal. But most middle class families, for reasons both within and without their control, are not fortunate enough to have either of these. So where does the $255 come from? If they’ve got some room on credit cards, that’s where it will go. Otherwise, they’ll probably end up behind on bills or living off of peanut butter sandwiches and beans and ramen noodles. But what happens if that month isn’t an anomaly? What if someone gets cancer or has a car accident and a month that only cost $255 was a good one? The out of pocket costs are staggering and wholly overwhelming. A 2005 report in Health Affairs found that nearly half of all bankruptices in 2001 resulted from medical expenditures, even though 75% of those filing for this reason had health insurance!
We’ll manage to scrape it all together this month, in part by buckling down on our few “luxuries” (dinner at Ruby Tuesdays! a movie from Hollywod Video!) and a little extra help from our families who are, fortunately, in a position to be able to help. But we’re among the lucky ones – for now, at least. It can all turn on a dime, and that’s very scary.
Something clearly is not working.