Tag Archives: employer-based health care

We’re not doing this for our health

News flash: our health care system is broken. That is to say, it is broken from the standpoint of the people who need medical treatment. From the industry investor standpoint, it’s working just fine. People are making a killing, quite literally, from COVID and other illnesses, lending credence to that line from our song Well, Well, Well: “from every misfortune a fortune is made.”

I say this on a week when women’s health is under attack to an even greater extent than usual. The Texas anti-abortion law, which the U.S. Supreme Court has allowed to go into effect, has effectively made abortion illegal in the lone star state, regardless of what their moronic governor claims. This inevitably will be followed with similar restrictions in other “red” states. But even under the best of circumstances, women have trouble accessing and affording care precisely because of the kind of system we still have.

Promises, promises

When he was running for president, Donald Trump promised that he would replace the ACA (“Obamacare”) with something much better, a plan that would cover everyone, etc. Of course, that was a transparent lie that he had no intention of even pretending to make good on. Then last year, when he was running for president, Joe Biden promised adding a public option to the ACA. No sign of that yet, either.

I don’t know what Biden’s plans are for the reconciliation package with respect to health care. What I do know is what he said during the campaign. Back then, he claimed that workers loved their employer-based healthcare and suggested that they had “negotiated” for it. I pointed out back then on my podcast Strange Sound that this was balderdash. Less than 15% of American workers (generously) have union contracts. No one other than a subset of unionists ever “negotiates” the particulars of their health coverage with their employer. The plain fact is that employers provide substandard coverage to their employees, by and large, and that it leaves tremendous gaps.

The six thousand dollar man

As some of you know, I spent about a week in the hospital at the height of the COVID first wave back in April 2020. (It was an ailment unrelated to COVID, as it happened.) After I got out, I got bills that amounted to about $6,000. Now let me be clear – if I did not have health insurance, provided by my employer, the cost would have been much higher. But with this great insurance that Joe Biden suggested I love so much, I was six grand out of pocket over an unexpected illness. I opted for a payment plan with the hospital (which, I should point out, receives a lot of public subsidy).

That is not the way it works in civilized countries. In civilized countries, they do their best to make you well, and that’s it. No bill, or none of any consequence. In Britain and France, I believe, they even give you money when you leave the hospital, under certain circumstances. Why are we not a civilized country? I don’t know. Ask Joe Biden. And every other president, for that matter.

I am fortunate that i had the resources to bear that cost with only minor sacrifices. Most people – including many with employer based coverage – are not that lucky. We need a system that works for those people, not the people who seek to profit from our misfortunes.

luv u,

jp

Check out our political opinion podcast, Strange Sound.

Say AAAHHH!

Here’s a little update on my health crisis from a couple of months ago: I’m still paying the price. Not physically, you understand – nothing noticeable in the way of lingering after-effects of my non-COVID illness. No, I mean I’m literally still paying the price of the hospital stay I experienced in April, the week after my birthday. I think I’ve gone over the numbers before on this blog, but let me just frame it in again so that there’s no mistake: the hospital fee – not the surgeon or anesthesiologist, just the hospital – added up to more than $50,000 for four days. The negotiated rate they charged was more like $37,500, but my portion of it was in excess of $5,000. Once again – I have employer provided health insurance … and the direct cost to me was over $5,000.

I am currently garnishing my own wages to cover this massive fee, adhering to a five month payment plan I agreed to with the hospital. Fortunately – and this is important – I am financially able to afford such an arrangement. But this is the best-case scenario in this cockeyed worker’s paradise known as employer-based health care. I have what has been termed a “Cadillac plan”, mostly because my employer pays 80% of my premiums. (Of course, I am also fortunate that I am not a woman and my employer doesn’t impose its religious convictions on my coverage or that of my wife, because apparently that’s a thing.) As I write this, I can imagine people all over Europe and the rest of the industrialized world scratching their heads over this concept of health care “luxury” – one that entails enormous contributions from the person stricken with disease or injury, regardless of their ability to pay.

I spoke about this issue in a couple of episodes of my podcast, Strange Sound, focusing on presumptive Democratic presidential nominee Joe Biden’s comments regarding the supposed popularity of employer-based plans. The fact that tens of millions of people have a thing does not mean that thing is popular. A lot of people have foot diseases, for instance. And in times like these, employer-provided health insurance is a lot like a foot disease … it plagues your every step. It’s just a goddamned ridiculous way to distribute health care services, though that very formulation erroneously suggests that that is the goal of our current system. The goal of our system is not to provide people with the medical care they need; the goal is for some people to make a lot of money. The only way you can honestly analyze our healthcare system is by beginning with that realization.

With the COVID-19 pandemic raging through our country, cases on the rise in forty states, we need to seriously reassess this system. And we need to do it quickly.

luv u,

jp

Check out our political opinion podcast, Strange Sound.