Quantcast

The Savage Arithmetic of the Pre-Existing Condition

Muskoka 2012/04/02 23:09:18

Five years ago, my wife and I took what turned out to be the longest
walk in the world to Brigham & Women’s hospital in Boston to get a
diagnosis for her that had been six months in the making. She was 25
years old, and her right arm had gone sideways on her over the last nine
months with a collection of symptoms – numbness, tingling, and tremors
of such severity that her good hand was all but useless for anything
besides waving at friends – that we had run out of explanations for.
Nerve damage? Carpal tunnel? We didn’t know. She had gotten an MRI two
days earlier, and the doctor had called that day asking us to come down
and talk about it. The conversation began with, “You have multiple
sclerosis,” and that has been our undeniable reality ever since.


Multiple sclerosis, for those not in the know, is a disease in which
the body’s own immune system goes to war against its own brain. My wife
suffered her symptoms because the disease gnawed through the myelin
sheaths of her own higher nervous system and annihilated the nerves that
control her right arm. Over the intervening years, her brain has taken
it upon itself to figure out some good work-arounds – to wit, when the
road collapses, you build an overpass – but her hand will never again
have the same functionality (until stem cell research bears fruit,
fingers crossed).


I give her an injection every day to control the disease, and she
takes a variety of other drugs to manage the symptoms. All told,
multiple sclerosis – between the doctor visits, the MRIs, and the drugs
required to keep a lid on things – costs upwards of $50,000 a year.
Thankfully, she is gainfully employed with a major retail company with a
stellar insurance program, so a large portion of that cost is defrayed
by the insurance she pays for with every paycheck.


Without that insurance, she would be at the mercy of those who think
pre-existing conditions are basically God’s funny joke on people, i.e.,
ha ha ha, you’re screwed.


She is not alone. I went to the doctor last month, and found out that
I have pretty damned high blood pressure. The doctor had me come back
four weeks later to do another check, and, yup, really really high blood
pressure. I am now on two different drugs to bring it down to a
manageable level, drugs that I am going to be on until they wind me in
my shroud. I am on my wife’s insurance, so again, the cost of those
drugs is manageable, but mine is now a house filled with pre-existing
conditions.


What if she gets fired, or the company goes belly-up? She is
incredibly good at what she does, which means some other company may try
someday to tempt her away…until they hear about her pre-existing
condition, and mine, and how much insurance coverage for those
conditions will cost thanks to our truly insane for-profit health
industry. If my wife leaves her company for any reason – especially
if/when Scalia and his merry band of ridiculous fascists decide to
curb-stomp Obama’s health care law – we are both well and truly screwed.
It’s like Ayn Rand herself was allowed to draft the rules for getting
sick in America.


But that’s me and my wife.


Here’s you.


According to the American Heart Association, more than 81,000,000
people in America suffer from one or more forms of cardiovascular
disease.


According to the American Cancer Society, more than 11,000,000 people in America currently suffer from some form of cancer.


According to the American Diabetes Association, 23.6 million people
in America currently suffer from diabetes, and the Center for Disease
Control has estimated as many as half of all Americans will suffer from
the disease by the year 2050, thanks to our deplorable dietary habits.


According to the National Parkinson’s Foundation, between 50,000 and
60,000 new cases of Parkinson’s are diagnosed in America each year.


According to the National Multiple Sclerosis Society, some 400,000 Americans currently suffer from MS.


That’s a pretty substantial portion of the population, with more
being diagnosed with cardiovascular diseases, cancer, diabetes,
Parkinson’s and MS every day.


Do the math.


It’s you, too.


Hundreds of millions of people in this country are sick at this
moment, or will be sick tomorrow, the next day, or somewhere down the
line. The numbers are spinning like the fare meter on a New York City
taxi cab, ever higher every day. If you’re not sick, you will be one of
these days: bank on it…and in the meantime, at least one person you know
is in that tribe.


That’s fact.


We’re enveloped in a national debate about insurance mandates and the
political leanings of nine Supreme Court Justices. That’s all well and
good, but entirely beside the point.


A nation that does not care for its sick and infirm is a nation that
does not deserve to exist. A nation that actively profits from the pain
and suffering of those sick and infirm deserves to burn in Hell. A
nation that throws those sick and infirm to the wolves is so far beneath
contempt as to beggar description.


Two years ago, Republican Mike Huckabee compared people with
pre-existing conditions to houses that have already burned down. Just
the other day on the Leno show, likely GOP presidential nominee Mitt
Romney voiced a very similar opinion.

They both have awesome health insurance.


Do you? Forever?


One of these days, you are going to have a pre-existing condition.


Hope for the best, but expect the worst. “The worst” is exactly where we are headed, if matters continue as they have.


Straightforward stuff, folks.


Think it over, while you can.


We’re on borrowed time, after all.


How are you feeling today?



Read More: http://www.care2.com/causes/the-savage-arithmetic-...

You!
Add Photos & Videos

Sort By
  • Most Raves
  • Least Raves
  • Oldest
  • Newest
Opinions

  • Maddog 2012/04/07 22:40:29
    Maddog
    Sorry, but did you not post "The Savage Arithmetic of the Pre-Existing Condition"? My reply was based on that. If you did not post this, then I obviously made a mistake.
  • Muskoka Maddog 2012/04/08 01:18:27 (edited)
    Muskoka
    I did post the thread, but I also posted the link to the source of the story. You should take note of that when you read the stories. I post a lot of things here , but that does not mean they are about me personally. The story is about an American not a Canadian. In Canada we have no such thing as pre-existing conditions in our universal health care system.
  • Maddog Muskoka 2012/04/08 14:25:07
    Maddog
    There are a lot of things I like about Canada, having spent a lot of time there over the years. I only had to utilize their medical services once. While on a fishing trip with my dad, to Perry Sound, I accidently embedded a fishing lure in my scalp while casting from our boat. Since it had barbed hooks on it, I couldn't pull it back out myself ond had to have it removed at a local clinic. I don;t ever recall receiving a bill for those services.
  • Muskoka Maddog 2012/04/09 03:42:52
    Muskoka
    I am not sure, but I think you should have. But maybe they forgot. Foreigner do not usually get free medical care. Unless you are one of the illegals coming here on one of those boats and demanding refugee status. We certainly have lots of those.
  • Maddog 2012/04/03 01:02:14
    Maddog
    I agree that there is something pernicious about the "pre-existing condition" clause in most health insurance policies, and I sympathize with your health problems. That clause is a much less humorous version of "Catch-22"! Small wonder insurance companies are universally hated.

    The human body is merely a biological machine that is genetically pre-programed to self destruct, and sooner or later well all end up participants in the health care system. The cost of health care is escalating at a rate that far outpaces the cost of living. Much of this is due to high-tech advances in medical treatments for various diseases, and the drugs that accompany these treatments, that are very costly. These are often heavily advertised on television with the result that most members of the public are becoming increasingly sophisticated health care consumers who demand the latest treatments for whatever ails them.

    Let me state that nobody should have to lose everything they own to pay for necessary medical treatment, especially if they have a life-threatening illness. If that were the case, most of us would end up living in cardboard boxes underneath an overpass, somewhere, and licking the special sauce off McDonald's wrappers obtained while foraging in dumpsters.

    All of this, h...

    &
    I agree that there is something pernicious about the "pre-existing condition" clause in most health insurance policies, and I sympathize with your health problems. That clause is a much less humorous version of "Catch-22"! Small wonder insurance companies are universally hated.

    The human body is merely a biological machine that is genetically pre-programed to self destruct, and sooner or later well all end up participants in the health care system. The cost of health care is escalating at a rate that far outpaces the cost of living. Much of this is due to high-tech advances in medical treatments for various diseases, and the drugs that accompany these treatments, that are very costly. These are often heavily advertised on television with the result that most members of the public are becoming increasingly sophisticated health care consumers who demand the latest treatments for whatever ails them.

    Let me state that nobody should have to lose everything they own to pay for necessary medical treatment, especially if they have a life-threatening illness. If that were the case, most of us would end up living in cardboard boxes underneath an overpass, somewhere, and licking the special sauce off McDonald's wrappers obtained while foraging in dumpsters.

    All of this, however, begs the question as to who should pay for health care. I don't purport to have an answer to this very complicated issue. I have no love for insurance companies, but I understand that they are businesses and businesses exist to make a profit, without which they would cease to exist. Taking on clients with conditions requiring expensive medical procedures would bankrupt them in short order. I don't feel that any government has the duty provide womb-to-tomb security for its citizens. I'm uncomfortable with any government that has that much control over my life. That said, I feel there should be some kind of a government funded "safety net" for people with catastrophic illnesses. The problem is that most things run by the (U.S.) government end up as horribly inefficient and expensive bureaucracies.

    My final question for you is: If you have universal healthcare in Canada, why did you travel to Brigham & Women’s hospital in Boston to have your wife's condition diagnosed?
    (more)
  • Muskoka Maddog 2012/04/03 16:57:06
    Muskoka
    +1
    There are very few who travel south to get medical care in the USA. It is a myth perpetuated by American who think that Canadians do that.
  • Maddog Muskoka 2012/04/03 23:11:59 (edited)
    Maddog
    I'm sure few Canadians are flocking to the U.S. to receive healthcare, however I am aware that there are longer waiting periods in Canada for certain elective medical procedures than in the U.S. I would imagine, in this instance, U.S. medical services are more commonly utilized those who live in close proximity to the U.S. border than in the whole of Canada. Having lived in Buffalo, NY, most of my life, I have personally met several Canadians who traveled to the U.S. for this reason. By the same token, I know greater numbers of Americans who have traveled to Fort Erie, Canada, for the purpose obtaining reasonably priced dental care. I also have several friends who order prescription drugs from pharmacies in Canada. I include myself among this number.

    I'm still wondering why you and your wife traveled to Brigham & Women’s hospital in Boston to have her condition diagnosed. Aren't there any hospitals or clinics in your area that could have done this? I'm sure there must have been some in the City of Toronto.
  • Muskoka Maddog 2012/04/05 05:23:14
    Muskoka
    Sorry to inform you, but there are wait time in America as well, They just are not tracked and researched the way they are in Canada.

    I have no idea what you are talking about 'me and my wife' . I am a single woman with no husband and do not live in Toronto at all. What illness are you talking about and who do you think I am?

    http://www.ryananddebi.com/20...

    In my Introduction to Sociology class I was discussing the various approaches to health care: private pay/insurance companies vs. single-payer or universal pay (government sponsored). During that discussion one of my students raised an issue that is often raised in this debate. She had heard that because health care is free in Canada, wait times are much, much longer in Canada than they are in the U.S. I responded by saying that they are actually shorter for emergency room visits in Canada, but longer for elective surgeries. She followed up via email and wanted some references and more information (it’s always great when students get so engaged in the class that they want more information). So, I did a little digging and here’s what I came up with:
    The average wait time in the US to see a doctor in the emergency room has risen to about an hour in 2008, per this article. That is an increase from 2004, when it hit around 38 mi...










    Sorry to inform you, but there are wait time in America as well, They just are not tracked and researched the way they are in Canada.

    I have no idea what you are talking about 'me and my wife' . I am a single woman with no husband and do not live in Toronto at all. What illness are you talking about and who do you think I am?

    http://www.ryananddebi.com/20...

    In my Introduction to Sociology class I was discussing the various approaches to health care: private pay/insurance companies vs. single-payer or universal pay (government sponsored). During that discussion one of my students raised an issue that is often raised in this debate. She had heard that because health care is free in Canada, wait times are much, much longer in Canada than they are in the U.S. I responded by saying that they are actually shorter for emergency room visits in Canada, but longer for elective surgeries. She followed up via email and wanted some references and more information (it’s always great when students get so engaged in the class that they want more information). So, I did a little digging and here’s what I came up with:
    The average wait time in the US to see a doctor in the emergency room has risen to about an hour in 2008, per this article. That is an increase from 2004, when it hit around 38 minutes (Wilper 2008). However, the total amount of time someone spends in the ER (both waiting and then after you see a doctor) is now up to 4 hours in the US (see this article).
    Now, for the numbers on Canadian care… Of the patients who are most acute when they arrive in an emergency room in Canada, 50% are seen within 6 minutes and 86% are seen within 30 minutes. Only 1 in 10 waited three hours or more, per this report.
    Comparing the numbers for the US to the numbers for Canada aren’t really accurate. The data in the US is for all emergency room visitors (both acute and not acute) while the data for Canada is primarily for the most acute. I’m guessing that the average wait time to see a doctor is actually probably pretty similar, though maybe slightly shorter in Canada. Also, overall visit time in the emergency department in at least one region in Canada is about half of that in the US (per this report; see page 7). So, average wait time to see a doctor in the ER is probably a bit shorter in Canada, but not by much. Additionally, Germany, which also has a single payer healthcare system, has shorter wait times then either Canada or the US (per this article, which is in German but with an English abstract).
    For non-emergency surgeries, both elective and non-elective, Canadians do wait longer (see this article, Barton et. al. 2000, and Ho 2000). Basically, wait times for non-elective surgeries in Canada are slightly longer than in the US, but not by a huge amount. And those slightly longer wait times do not translate into worse outcomes (Ho 2000).
    The question my student followed up with was: How could differences in payment systems affect wait times?
    This is actually a great question. Here’s the answer per Wilper (2008): They don’t directly, but they do indirectly. When you have as many people in the US as we do who do not have health insurance (about 17% of our population), those people end up “clogging” the emergency rooms. They don’t get elective care, like people in Canada do. Instead, when they get sick, they go to emergency rooms. And since almost 1/5 of our population is doing that, that substantially increases the wait times in emergency rooms. So, indirectly, the lack of insurance coverage in the US translates into higher emergency room wait times.
    The Canadian government has been criticized for the lengthy wait times, which is why they have examined this issue




    snow
    (more)
  • Nonpartisan 2012/04/03 00:03:44
    Nonpartisan
    +1
    Thank you, That is a very good example why My On-Going Non-Partisan Presidential Campaign Has ALWAYS supported Universal Health Care from the National Government Which would Cost everyone LESS than we are currently paying for what the World Health Organization has ranked the United States 37th in quality behind most of the developed Countries in the World and is undeniably the most expensive in the world.

    With what I have proposed Pre-Existing Conditions would not be an issue and neither would it be a concern if you ended up being transferred or moved to any other State for any reason. The State Rights people do not think that you are a United States Citizen and want each State to decide what Health Care they will let you have.

    Please Support my Campaign at the following address:

    http://www.americanselect.org...

    Please go to the above address to support my Campaign, and send it to everyone else also there are only 35 days from today (2 April 2012) until AmericansElect has their first vote and they insist that all Candidates MUST have at least the minimum 50,000 required support clicks on their Web Site by then. In that short time the only thing that I can do is rely upon my friends on the Internet to help me meet that goal:

    I would have to say that the People of the Unite...



    Thank you, That is a very good example why My On-Going Non-Partisan Presidential Campaign Has ALWAYS supported Universal Health Care from the National Government Which would Cost everyone LESS than we are currently paying for what the World Health Organization has ranked the United States 37th in quality behind most of the developed Countries in the World and is undeniably the most expensive in the world.

    With what I have proposed Pre-Existing Conditions would not be an issue and neither would it be a concern if you ended up being transferred or moved to any other State for any reason. The State Rights people do not think that you are a United States Citizen and want each State to decide what Health Care they will let you have.

    Please Support my Campaign at the following address:

    http://www.americanselect.org...

    Please go to the above address to support my Campaign, and send it to everyone else also there are only 35 days from today (2 April 2012) until AmericansElect has their first vote and they insist that all Candidates MUST have at least the minimum 50,000 required support clicks on their Web Site by then. In that short time the only thing that I can do is rely upon my friends on the Internet to help me meet that goal:

    I would have to say that the People of the United States have always been able to trust the part of Government which I have been responsible for. Professional Partisan Politicians can rarely be trusted to do anything in the public interest at their own volition. Presently the Professional Partisan Politicians have a grip on power that “We the People” can take back from them. Even to win the Nomination of AmericansElect.org I need all of your support since the two leading Declared Candidates on that Web Site are Professional Partisan Politicians. We must defeat them and win our Country back.

    Even when I am President of the United States, I will never become a Professional Partisan Politician, and will ALWAYS work in the interest of ALL of the people of the United States.

    I have the only On-Going Non-Partisan Presidential Campaign. If you go to the AmericansElect.org Web site you can learn a little about my Campaign, however, since the questions are “multiple choice” and I have to chose the closest ones, none of them are really my preferred answers, which would require more discussion, and I had to edit the “Bio” down to 3000 characters, so it is not quite as good as I would have liked either. I consider my Campaign very important and would appreciate any constructive comments that you might have. I would also really appreciate it if you would use the address above and support my Campaign FOR the American People and send it to as many people as you can so that I get enough support on the site, as soon as possible since they will have to select a candidate to be on the ballot under the “AmericansElect” name very soon. I understand that AmericansElect.org has been approved to be on the ballot in 19 States and will be on the ballot in ALL States by November.
    (more)
  • Doreen 2012/04/02 23:36:34
    Doreen
    +2
    "a man is only as good as he treats his dog" This goes the same for those who treat the ill.
  • Muskoka Doreen 2012/04/02 23:47:18
    Muskoka
    +3
    Is that one of those old ancient proverbs? It is exceptionally observant and very true.
  • Doreen Muskoka 2012/04/03 04:25:06
    Doreen
    I do not know if it is an ancient proverb but I heard that long ago. Being a proffesional with animals I have seen all kinds of people with animals and what you see and observe it hits the nail on the head.
  • Muskoka Doreen 2012/04/03 17:01:43
    Muskoka
    +2
    Ghandi also said something similar.

    Mahatma Gandhi said: “You can judge a nation by the way they treat their women and their animals”
  • Lana 2012/04/02 23:34:03
    Lana
    +1
    Truelly hurtful to think of it in that perspective. In one form or another, I have been a health care provider since the age of 16. Started as a Receptionist in High School part-time for a walk in clinic, went through college to become a RN. Never faced any issues of payment or reimbursement clinically. We treated all patient's the same irregardless if they had insurance, medicaid, medicare or private pay. It didn't matter. I think that's how I prefer it.
  • Jackie G - Poker Playing Pa... 2012/04/02 23:20:50
    Jackie G - Poker Playing Patriot
    +1
    That is why the proposition of nation wide pool for pre-existing conditions is such a great idea -- of course, it was not considered by Obama, Pelosy or Reid - simply made too much sense. Pre-existing numbers are relatively low compared with rest of population and by creating nation wide pool, costs would be lower for those who need the insurance - again way too much sense for this administration.

    Oh, and Romney did not say that, nor did Huckabee - And if the SC throws out the unconstitutional part of the cluster f**k of a bill, we will all be better off.
  • Muskoka Jackie ... 2012/04/02 23:34:42
    Muskoka
    +2
    That is why I am so blessed to live in Canada where there is no such thing as pre-existing conditions. You get health care no matter what.

Living

2013/05/24 16:53:24

Hot Questions on SodaHead
More Hot Questions

More Community More Originals