When did healthcare reform become curse words?

By
Real Estate Agent with Century 21 New Millennium

I usually steer clear of political discussions but some days I do feel compelled to weigh in.

This morning as I was driving in to work I was listening to an interview with Republican Dick Armey and I began to feel very insulted.  He is opposed to a government run healthcare.  He discussed how ridiculous it was to mandate that health care be offered to people with pre-existing conditions.  His quote was "why should the government force a health plan to cover someone with liver disease because they drink or someone who got diabetes because they eat like a pig?"  I couldn't believe the insinuation that health concerns are always the fault of the individual.  What about the childhood diabetic? What about people like me?  What did I do to deserve my diagnosis of Multiple Sclerosis?

As one of those people with a pre-existing condition, continuous health care coverage is very important to me.  There was a time where I did not have employer sponsored health care and neither did my husband.  We paid $1700 per month for our family's health care.  When I did finally get employer sponsored care our premiums went down to $550 per month.  However, that new plan was refusing to pay for my routine MRI.  They also refused to allow me to go to the lab that I usually go to and where all my records were.  Instead, I had to go somewhere new where the radiologist's comments indicated that he could not comment on the progression of the MS because he did not have any comparison scans.  Had I been allowed to go to my regular radiologist my 5 previous scans would have been on file for comparison.

I was in a position where I could pay the exorbitant premiums at the time.  There are many families that are not so lucky.  Had I been forced to let my insurance lapse, future health care plans could have refused to cover anything related to my MS.  This has potentially devastating financial consequences.

I find the current health care reform debate very angering.  The debate is focusing on political control and grandstanding and not on the American people who truly NEED a reform of the current system.  I personally get very angry when I hear members of congress discuss not wanting government run healthcare.  All members of congress have access to cheap, excellent, well-run, government health-care.  Why should they be so quick to prevent the rest of us from have access to the same quality of health-care that they enjoy?

In this great country, children should not be dying because they can't afford to go to the dentist and poor people should not be dying on the floor of the hospital because they are uninsured. 

The time for reform is now!

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If you or someone you know would like information about buying, selling, or renting a home in Prince George's, Montgomery,  Charles, Calvert, Anne Arundel, Howard, and/or Baltimore Counties please contact Dr. Stacey-Ann Baugh of Century 21 New Millennium.

 

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Century 21 New Millennium

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240-481-3565 (C)

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Comments (18)

Anonymous
Just Curious

Are you an MD? Why aren't you practicing medicine?

Nov 09, 2009 01:15 AM
#1
John Mulkey
TheHousingGuru.com - Waleska, GA
Housing Guru

I think we could solve the healthcare issue without having the government run it. While they tout Medicare as an example of a government healthcare success, it's quite a failure. There are billions in fraud and abuse.

We do need solutions, and the politicians could deliver them; but they're ALL too busy grandstanding and playing partisan politics. Regardless of what they do, the average American will fail to benefit. What we need are true leaders who will put the needs of the country above their political party.

Nov 09, 2009 01:28 AM
Dr. Stacey-Ann Baugh
Century 21 New Millennium - Upper Marlboro, MD
A doctor who makes house calls.

Just curious - I have a doctoral degree in clinical psychology.  I teach undergraduate psychology courses.

John - I agree.  I am sick of both parties at this point.

Nov 09, 2009 01:36 AM
Mike Saunders
Lanier Partners - Athens, GA

Stacey-Ann - you have some very good points. Neither party is doing a good job of fixing it, but we certainly don't need what is happenning, and that is basically a throwing out the baby with the bathwater kind of reform that is happenning.

Nov 09, 2009 01:58 AM
Joan Snodgrass
Midamerica Referral Network - Kimberling City, MO

Stacey:  As a fellow MS'er, I understand your anger, but I cannot believe that government run health care for everyone is going to do much more than place us all eagerly relying on Uncle to take care of all our needs.  I didn't ask for MS, but I also do not ask to be cared for by the government.  As long as I can drive and talk, I can sell real estate and hopefully avoid becoming a number.

Nov 09, 2009 03:08 AM
Mary Douglas
United Country Ponderosa Realty, Red Feather Lakes, Colorado - Red Feather Lakes, CO
REALTOR, Red Feather Lakes, Colorado

Hi Stacey-Ann, you have echoed many of my same concerns.  I hesitate to even imagine that the new bill will end up  remotely akin to what I would like to see. It's very upsetting to think that only the rich can receive the care they need, while many Americans do not get it only because of lack of money. AND It's ridiculous to lay blame on people who are ill "because it's their own fault" , people say the dumbest things.

Nov 09, 2009 07:16 AM
Dr. Stacey-Ann Baugh
Century 21 New Millennium - Upper Marlboro, MD
A doctor who makes house calls.

Mike - I agree, neither party is working well right now.

Joan - Hopefully we can all avoid becoming a number.  Hope your health is good

Mary - I think it is a shame that health-care is a luxury in this country.  I couldn't believe he said that people get diabetes because they eat like pigs!

Nov 09, 2009 09:10 AM
Ross Westerman
Kingwood, TX

Stacey-Ann,

So let us address the cost of health care services instead of making a villian out of health insurance companies.  Without health insurance companies not very many would get the health services they desire.

Like I ask, and ask over and over again, who is the villian? Health insurance companies or the high cost of health services.

Nov 10, 2009 02:56 AM
Dr. Stacey-Ann Baugh
Century 21 New Millennium - Upper Marlboro, MD
A doctor who makes house calls.

Ross - I agree that the cost of healthcare is a problem.  However, I do believe that for-profit healthcare companies are a large part of the problem.  They make decisions based on a profit statement and not based on what is best for the patients.

Nov 10, 2009 01:48 PM
Ross Westerman
Kingwood, TX

Yes,

What is your definition of "for-profit healthcare companies" insurance companies or healthcare providers(the ones who actually perform the service of healthcare or manufacture meds or devices or equipment)?

Where is a not-for-profit doctor, hospital or anything else connected with health care? I am not asking about insurance but providers of health services.  Insurance companies do not provide health care services they just provide money.

I ask you who is it really who denies health services? The insurance companies or the hospital and doctors? What is the first question you are asked?  What is the first concern the hospital has?  I can tell you it is how they are going to get paid.  The hospital could care less who it is that is paying just as long as they get paid.

If there were no insurance companies, who do you think would be turning people away because they could not pay just like they are turned away now if they do not have insurance or the means to pay. The people without insurance who accept the services are expected to pay and the provider will go after them for the money hence these folks will have to file BK to get relief from the hugh monetary burden.

So, it is the evil health insurance companies who are pricing people out of health services and not the actual cost of the health services.

Nov 11, 2009 11:52 PM
Dr. Stacey-Ann Baugh
Century 21 New Millennium - Upper Marlboro, MD
A doctor who makes house calls.

I agree that doctors are also for profit. Aren't we all.  They are trying to make a living just like the rest of us and they have expenses that are tremendous associated with their professions. 

My issue is that as a health insurance subscriber I am sold protection and I am told that I will be covered in the event of a health problem in exchange for my premium which can be hundreds of dollars each month.  Therefore, when I need the use of the insurance that I have been paying for to have the claims denied is very upsetting.  I have paid $1700/month for health insurance and gone to the pharmacy to pick up medicine for my husband that he has been on for years and been told that the insurance company was not going to pay for it.  This is not a doctor denying us care, this is an insurance company making a medical decision without consideration for what is best for the patient simply based on a profit and loss statement. 

I have also seen practitioners driven out of business because they do see patients but then they are unable to receive payments for the services from the insurance companies that promised coverage in exchange for a premium.  You can't have it both ways.  You can't take my money each month as long as I am healthy but then deny me the services when I need them. 

I agree that health care costs are exorbitant but that is not usually the fault of the individual doctors but usually the fault of the big manufacturers, drug companies, and malpractice insurance companies that make the practice of medicine incredibly expensive.

Individual doctors might make $100-$200,000/year but health insurance CEOs make millions - there is clearly a disconnect here. 

Nov 12, 2009 01:32 AM
Ross Westerman
Kingwood, TX

Stacey-Ann,

If your insurance company is denying payment on a covered item then you should state your case to the company using your policy as reference and if they still deny you then it is time to take the issue to your State Board of Insurance and/or an attorney.

We have had issues with our insurance provider when it comes to interpretation of coverage and have fought them and won without the Board of Insurance or an attorney.  The key is we did fight them where I imagine lots of folks just give up or give in and accept the actions of the insurance company.

The insurance company will only honor the coverage listed in the policy, period.  You can be assured that not one of the insurance companies in The United States does not actually care about you or I as we are just a policy number and a dollar amount number to them.

I sincerely hope you can get your problem resolved.

Nov 13, 2009 02:28 AM
Nogui Aramburo
Linda Craft & Team, REALTORS® - Raleigh, NC
Real Estate Professional in the Raleigh Area

 

Companies like this will not govern themselves properly. They have a fidiuciary responsibility to screw the policy holder and make money for the share holders. Simple truth.

Dec 01, 2009 04:34 PM
Dr. Stacey-Ann Baugh
Century 21 New Millennium - Upper Marlboro, MD
A doctor who makes house calls.

Thanks for the feature in this group.

Dec 25, 2009 12:27 PM
Michael O'Donnell
Berkshire Hathaway Home Services Arizona Properties - Scottsdale, AZ
GRI, ePRO, Accessible Homes

I believe the whole argument has been framed incorrectly. 

Discussing wheither government should intervene in healthcare (ie the relationship between doctor and patient) leads most of us to argue the negative.  No, the government needs to stay out except in the areas of licensure and competence.

But the national debate over the last year has been about breaking up the health insurance cartel. Only the most adament statists/corporatists on the dole of, or deceived by, the large Health Insurance Cos. oppose breaking up that cartel.  That, of course, means most of the Republican Party.

As long as an Insurance Company profits from withholding its coverage, we will have this debate.  When the insurance is on our homes and automobiles, this problem may be costly, and irritating. When the insurance is on our health, the results are deadly.

But let's not hurt our Insurance Companies. Let's not even keep them accountable - that's the American Way.

Jan 23, 2010 01:58 PM
Dale Terry
Yadkinville, NC

It would seem that both sides have good points. There is denial of coverage by the companies, hospitals that overcharge patients to pay for the "deadbeats" doctors who "test' you to death, and the general public who thinks health care is a basic right. 

I just think that we are going down the wrong road.  2100 pages is ridiculous.  Of course the current bills have pork in them.  We need to stop, break down the system, and fix one issue at a time. 

Feb 28, 2010 11:59 PM
Evelyn Zebro
Beverly-Hanks & Associates - Asheville, NC
Asheville NC Real Estate Broker

I am glad this reform was passed.  It has a long way to go though.  I don't see anything wrong with the system we already have in place in this country with Medicare, or the VA system.  If we as the richest country in the world cannot provide healthcare for all then what can we claim? 

Mar 22, 2010 06:20 AM
Jane Wallace
HomeSmart Cherry Creek - Denver, CO
CRS | SRES, Denver Real Estate

May 05, 2010 05:53 AM