Normally I'm not one to make a post of a political nature. But over the last little while, I've been mulling over "healthcare reform" and feel compelled to comment on it.
Yes, I think healthcare costs are ridiculous. And I think the cause of this is simple greed. Once insurance companies began to stick their fingers in the pie, everything became more costly: greed. Insurance companies don't care about your health; they only care about making money. I know whereof I speak, having been involved with providing healthcare and billing patients in my checkered past. I could write a book on it, but I won't.
I have a problem with the idea of being entitled to healthcare/medical insurance. All Americans are entitled to it - and they always have been. I'm just not sure that the government should provide it for us. A lot of folks seem to take this a step further and believe that they are entitled to have the government provide them with healthcare/medical insurance. I disagree with this.
During my adult life, and during our 21+ years of marriage, DH and I have always been entitled to healthcare/medical insurance. We realized that having medical insurance was a good idea. It would protect us from an unexpected or costly financial disaster. We chose to make it a priority in our finances. We have always had medical insurance, even when we had to pay for it ourselves. We have always chosen to have employers provide medical insurance for us, even if we had to pay part or all of the premiums. And we also have always budgeted money to pay for copays and medications. That's just part of doing business and being healthy. We have never wanted nor expected the government to do this for us.
At one point in our marriage, we were making less than $20,000.00 a year between the two of us, and we still bought our own health insurance as our employers didn't provide it for us. It was a catastrophic plan for emergencies - an "I've been hit by a bus and I'm in the hospital!" type of plan. Never did we expect to have the government or anyone else take care of this. We just made it a priority in our budget. We chose to purchase the insurance. (And our insurance payment was slightly higher than our house payment at that time!)
At another time, I had to have surgery that our insurance didn't cover. DH spent time talking to the doctors and hospital and arranging for us to pay the bills off over time. We made it a priority to pay them off early and did so in less than a quarter of the allotted time. We did what we had to do.
Truthfully, a lot of people could pay for their own plans, but won't. DH worked with a guy who was married with a wife and two children. His wife worked and both of them made good money. They probably pulled in close to $100,000.00 a year between the two of them. The company provided medical insurance by paying for two-thirds of the cost of the premiums with the employee paying the other third (taken out of the paycheck). This guy refused to do it. He wouldn't sign up. He didn't want that money taken out of his paycheck.
He left his family vulnerable in my opinion. He's all for government healthcare because that way, he doesn't have to pay for it out of his own pocket. He doesn't realize that he will be paying for it in higher taxes - just ask the Canadians.
People need to be responsible for themselves and be accountable with their money. Of course, it they're looking for good examples of fiscal responsibility, our federal government is a poor place to look.
You spend your money on what you think is important. Medical insurance is important to DH and me, so we choose to budget for it before we spend on other things. Priorities. Fiscal responsibility. Being free and independent. Accountable. Paying your own way. Okay, I'll get off my soapbox.
I'll leave you with an Emma picture. Here's her favorite spot on the back of the sofa where the AC blows just right.