So here’s a little story from my weekend. It’s hard to tell it. Or at least it’s hard to type it…
Saturday afternoon… baby shower… we’d just arrived, earlier than most… in the kitchen, I see a virgin arrangement of cheeses… I am the first to discover it… I go to cut myself a li’l slice o’ cheese… little cute cheese knife…
The thing sort of exploded in my hand, the ceramic handle shattering as the cheese knife came apart. At first I thought it was just a little cut, but I subsequently noticed that all three cheeses, the table, and some of the floor had a spattering of blood. My blood.
Yes, the pad of my index finger, which had been pressing down upon the knife, had been sliced, probably a little more than halfway through.
People began to come into the kitchen as I stood at the sink clutching a paper towel to my finger and contemplating my next move. Jeanne’s reaction to my suggestion that we might consider a quick jaunt down to the hospital was to get some antibiotic cream and offer to put it on my finger.
I looked at her and said, “Tut tut, dear wife, I assure you that the damage to my appendage is far beyond a home remedy, and we should proceed to the emergency room with all due haste, thus sparing you the grisly sight of my mutilated flesh. Come, let us away.”
I wish I’d said that, actually. But it didn’t occur to me. Instead I lifted the paper towel and allowed her a peek, which accomplished the same thing that those words would have but also threw in a little permanent mental scarring for good measure. Because I’m a giver. Fifteen seconds later we were making the kinds of polite excuses that one makes when leaving a very pregnant host with a kitchen full of blood-soaked cheeses, and headed for the car.
I have to insert a quick side note here. As we drove to the emergency room, I distinctly tasted the remnants of cheese in my mouth. This can only mean one thing. Some time between shattering the knife and flipping my hand over to assess the gory damage, before I’d looked around to see the splashes of blood upon the plate, the table, the floor, even upon the other, still untouched cheeses (including a delicious-looking brie), before any of that, I must have taken the little hunk of cheese that the now-ruined knife had (sort of) cut and popped it into my mouth.
For some reason, I find that the most disturbing part of all this.
The emergency room was depressing, partly because despite the large number of patients, almost none of them seemed to be there for actual emergencies. For instance, when I was finally brought in, it was alongside a little girl who had a sore throat. This sucks for two reasons: 1) Clearly, too many people have to resort to ERs as their primary health care provider, and 2) It took more than two hours to get my finger stitched up (and I was “fast-tracked”). I immediately began constructing moralistic revenge fantasies in which some greedy plutocrat or shiftless insurance company lobbyist finishes another day of killing any hope of an American universal healthcare plan, loses his balance while high-fiving his equally shiftless cohort, impales himself on his own cellphone, and then bleeds to death in the emergency room while watching a family of five having their tonsils looked at. Not an especially creative way to channel my rage, I admit, and a pretty obvious ending, yes. In my defense, I had lost a bit of blood.
I was about at the point where I was mentally casting Willem Dafoe as the shiftless plutocrat and Jennifer Connelly as the overworked-but-dedicated ER doctor when the actual and not-completely-unlike-Jennifer-Connelly ER doctor turned her attention to my finger. I myself got the chance to examine it thoroughly at that time. It was deep. Without going into too much detail, I think I can describe the cut pretty accurately: It was a horizontal wound that went completely across the pad of my index finger. And there was not a single angle that I could look at my finger from in which the cut was not visible. But the fact that I could still move the finger, and that I could definitely still feel it, these were good signs.
X-rays showed no ceramic, steel, or dairy still lodged in my finger, anesthetics were injected into my wound in a horribly painful way, numbness set in, stitches were stitched, and I was released on my own recognizance. It’s going to be fine, I think. I’m told the baby shower went fine too, though we can assume there was a conspicuous supply of crackers left over.
And no, I don’t have insurance. Ironically, I will by summertime. So yes, the bill is going to put me back in the hospital. Therefore, I would ask you to please wait until June before inviting me to any parties involving adorably clever little pieces of cutlery. But I digress.
Anyway, about an hour later, I was onstage at IO West, doing a musical improv show. Let me explain. I’d been scheduled to do a show and didn’t feel like sitting at home waiting for the anesthetic to wear off. So… I just tried to not use my hand, which is a little like trying not to visualize a purple dog (go ahead, I’ll wait). I admit that I was more than a little excited to pull that “show must go on” crap in a dramatic but relatively low-risk fashion. If you forget for the moment that it was really just a glorified paper cut and focus instead on the fact of me, bravely performing, with a hospital bracelet still on my wrist… well, it’s pretty damn sexy, isn’t it?
I originally set out to tell you this story in a couple of sentences. As a way of explaining why I’m not blogging today. Clearly, my cover has been blown, though, and I’ve found that nine-fingered typing is not only not all that arduous, it seems to involve three or four more fingers than I’d previously been using. So what’s my point, then? I guess my first point is that everyone ought to feel very, very bad for me, buy me “get well” presents, email me kind thoughts, click on the “Donate” link and send me a li’l something, resolve to treat me better now that you’ve almost lost me and you understand what a precious gift it is to get to spend this time with me, and etc. Of course. But as long as I’m here, also -
As overworked as the phrase may sound, we really need to fix this country’s health care system. Shiftless plutocrats and their lobbyist lackeys will tell you that a plan that covers everyone will cost more, but a trip down to your local ER on a Saturday afternoon will show you that you are, in fact, already paying top dollar for a very poor form of universal healthcare. AND paying for your own on top of that. They will tell you that a socialized program will be inefficient or insubstantial, but as a guy who once blew out his knee on a Canadian stage, I can tell you that this is not the case.
My dad was a doctor. By the end of his life he could no longer afford to run the little private practice he’d nurtured for his entire career. The insurance premiums were too high, the reimbursement checks from Medicare and related programs far too low (for fun, he kept a drawer full of checks that were made out for less than the cost of the stamps it took to mail them, usually meant as payment for expensive procedures). He’d once viewed socialized healthcare as a threat, but by the mid-90’s he said he thought it was inevitable, and that he thought this was a good thing. The only questions, he thought, were how long it was going to take before Americans woke up to that fact and did something about it, and how rich the people profiting off the current system would get before that happened.
It’s definitely something I’ll be thinking about as November approaches. As much as candidates would prefer me to be thinking about scary Muslims, I’m going to be thinking about a little girl with a sore throat. As much as they’d like me to focus my fear on nuclear weapons that might get made, I’m going to be quivering for fear of the cheese knives that are already out there. Because make no mistake: They are out there. And they’re waiting.





116 comments
cooper
April 24, 2006 at 7:20 am
1Well, Adam, the message I take from all of this is - I hope your shower gift wasn’t a cheesy cheese knife. Pssh. Talk about irony!
Sharon
April 24, 2006 at 8:01 am
2I have three of those little knoves that I bought from a friend who does the house-party-selling thing for a company which shall remain nameless. I can see now that I’m never going to use them.
Adam, very sorry to hear about your accident, and am happy to hear that you are doing well. Yes, the insurance companies have done a very good job indeed of externalizing the real costs of health care in this country. Every time saner heads start talking about a single-payer system, the dittoheads know to cry “Socialism!” in reply. But how to convince the average taxpayer, watching Faux News and listening to Rush Limburger, that he’s actually paying for all those 40+ million uninsured Americans anyway?
siobhan
April 24, 2006 at 8:36 am
3When Frist took over from Lott, the one ray of hope for me was: Hey, a doctor! Maybe they’ll do something about healthcare! And we got… remote diagnosis on Terry Schiavo.
As for socialized medicine: In 2004, my husband went to Athens to work on the Olympics broadcast. A week after his arrival, he was hit while crossing the street (by the editor of a cell phone magazine… any guess as to the cause?) and pretty badly injured. Fortunately, no permanent problems other than a limp.
He spent his first week in a public hospital, in the ICU the whole time. The tab for emergency room, a night of surgery to put his legs back together and reinflate his lung, and a week in the ICU? $2,300. Three more weeks in private hospital, including a hip replacement, $20,000. The downside was that the private hospital was slow to get going on rehab, so it slowed his recovery considerably.
When he returned to the US, he spent another 6 weeks in the hospital. At the Greek private hospital, that would have been roughly $40K. Here, it was over five times that. Fortunately, he’s covered under my insurance and I have a really good plan, so we still have a house. On the other hand, I’d been thinking about changing jobs that year but still work in the same place - can’t change coverage while we still have to worry about “pre-existing conditions”.
Health care has been one of my high-priorty issues at voting time for years, and that whole experience just added urgency. The worst thing is that it’s a complex issue even before you add the lobbyists. Between congressional venality/incompetence and American attention spans, it’s hard to see a good outcome anytime soon.
dee
April 24, 2006 at 9:10 am
4I hear we’re building free clinics in Iraq.
Scooby
April 24, 2006 at 9:58 am
5Alright dee,
You owe me a keyboard!
Stephen
April 24, 2006 at 10:02 am
6I don’t think we can trust the government to take care of this problem without us making them. After all, their insurance is excellent, they get it for life, and WE pay for it. Why change what works for you?
Scooby
April 24, 2006 at 10:04 am
7Adam,
I have friends who are uninsured, and it’s because of their low incomes… now you’re not required to make your tax info public, but I would imagine being the liberal jet-setting Hollywood type, you could afford it.
So inquiring minds want to know… why in Lobster’s name would you forsake health insurance? Especially given the state of the system where one illness will ruin not only your future, but all potential offsprings’ as well!
Stephen
April 24, 2006 at 11:20 am
8http://www.opednews.com/articles/opedne_steven_l_060422_bush_impeachme nt___t.htm
hedra, check this out. Hope it happens.
David
April 24, 2006 at 11:23 am
9“The only questions, he thought, were how long it was going to take before Americans woke up to that fact and did something about it, and how rich the people profiting off the current system would get before that happened.”
Your father got it right.
The reason it will change is that our current system of healthcare is making us uncompetitive in the global economy. America doesn’t respond to moral imperatives. It never has. But it does usually respond to economic imperatives, once it figures out what they are (Reagan and Bush are the two notable exceptions among American presidents).
You do realize, Adam, that we Felbernauts will now be unable to cut a piece of cheese in a festive context without a moment of Adam-inspired queasiness, but at least you’ve inflicted queasiness for a greater social good.
Oh, yeah, I recommend Cabot’s Habanero, as long as the topic is cheese.
Sharon
April 24, 2006 at 11:38 am
10Cabot’s Hunter’s Seriously Sharp Cheddar!
Don
April 24, 2006 at 11:46 am
11Hey Adam
I’m glad you’re recovering.
You really dodged a bul … um … cheeseknife that time!
Old Mother Felber
April 24, 2006 at 12:17 pm
12Ah, the risks of forgetting your roots! What? Cottage cheese isn’t good enough for you anymore now that you’re in Hollywood? American singles are safe, too. Can’t cut yourself on those nice plastic covers they put on each slice.
The high life is high risk!
Take care of yourself out there.
Harold
April 24, 2006 at 1:08 pm
13Adam, I feel your pain. Literally. I did the same thing myself once, but it involved the lid from a can of cat food and a stock pot full of water. (Never reach under a stock pot full of water in your kitchen sink if there’s even the slightest chance that there’s a lid from a can of cat food hiding under it.)
After trying unsuccessfully to stop the bleeding with direct pressure for about 15 minutes I raced to my local hospital only to discover that it no longer had an emergency room. So then I raced to the hospital in the next town, a good 15 minutes away, and waited another half-hour to be seen. (I was fast-tracked.) When the doctor finally saw me and I told him when the accident happened, he said “Good, it should have bled out by now, so there’s little chance of infection.” Then he superglued it back together. It took about five years for the nerve pathways to rewrite themselvs properly.
I also once broke a cheese knife, but nothing was damaged but the knife. I felt bad about it until I realized just how silly and useless most cheese knives are, designed for decoration more than function. I use a one-piece chef’s knife on my own cheese.
Kimberly
April 24, 2006 at 1:28 pm
14My family has become very consumed by the health care system as well. My dad’s dying of cancer. The good news is, my mom has amazing health insurance. The chemo appts were billed at $4000 each, they paid $20. The hospital stays of a week each have run $60,000. Since they’ve covered their max out of pocket ($2500) they pay 0. You might think that makes my mom happy. But she’s pissed. She’s just trying to imagine doing this without the amazing insurance. What if she were poor? How does it make ANY sense that someone without access to health insurance (in theory poorer) would be billed astronomically higher rates?
We’ve only been dealing with this since January. And I’m sure we’ll have many more bills as dad gets worse (asbestos cancer is a horrible way to die). And we’re lucky.
Health insurance reform HAS to happen.
(slipping back to lurker status)
Adam Felber
April 24, 2006 at 1:50 pm
15Scooby-
I’ll just say that your assumptions are, sadly, inaccurate.
NotThatPeter
April 24, 2006 at 2:04 pm
16This one is off topic from a serious lurker.
I did a quick search through fa archives but I couldn’t find the somewhat recent post/comment about Adam’s new show on Fox. Not having cable and no channels with an antennae my TV sits in the closet and awaits the rare VHS tape viewing. When Adam disclosed his secret plan to take over the airwaves I hoped that I’d be able to watch bits the way I watch the Daily Show and the Colbert Report - on the web.
Last week while sick on the couch I wheeled out the Zenith to see what I could pull down from the ether with my rabbit ears. I recently moved and was surprised to find that I can receive two channels, one of which comes from a land called Canada. The Canadian channel is called Global which is actually Fox but unarmed and with health coverage.
I am quite excited that I’ll be able to see Adam dominate another. When’s it coming? What’s it called? What time slot? Who’s going be in it? Please tell me everything Adam.
siobhan
April 24, 2006 at 2:20 pm
17Re-reading your piece, Adam - I suspect that politicians aren’t even all that keen to have us think about scary Muslims with nukes, because then we’d focus on how badly they’re fucking that up. What they really want us to focus on is - ewww - the possibility that two guys might want to get married. Because that, surely, will affect us more than lack of health care or our complete and total fiasco in the middle east.
Scooby
April 24, 2006 at 2:23 pm
18Sorry man…
I’ll have to click on that “donate” button, order your book and lobby my congressman.
Sharon
April 24, 2006 at 3:05 pm
19Of course it will, Siobhan, because if we can stop them, then the Sky God will look down with favor upon us again, and again cover us with the Veil of Protection(tm) which he lifted on 9/11, to punish us for tolerating homosexuality, feminism, and inter-racial marriage.
Johnnyboy
April 24, 2006 at 3:54 pm
20As a canadian living in the US, my personal experience with both health systems has been that the quality of care is overall quite superior in the US. This said, I have pretty good insurance (and I haven’t had to get an abortion). And given the choice between a good system that leaves more than 20% of the population out in the cold and a mediocre system that covers everyone, I’d take the second option anytime.
Nlbenj
April 24, 2006 at 5:05 pm
21Don’t you know just how dangerous a cheese knife can be??? I mean, they don’t even let those things past airport security anymore.
Just in case one was feeling sympathy for the insurance companies (fat chance), I just wanted to throw this out:
I am a healthy non-smoking under-thirty who was turned down for health insurance a year ago by every company I tried because of an attack of hives 2 years prior. So, even those of us who are willing (not really able, but that’s beside the point) to fork over $400/month for insurance can’t always get it. Siobhan, it sounds like you understand this quite well.
I started reading up on it, and found several cases of women who were turned down for insurance when they tried to get their own because they had visited a mental health professional for postpartum symptoms. Turns out that mental health visits can mess up your chances of getting medical insurance for 5 years.
I live in MA, where they just passed a law (it still needs to be signed) to fine those citizens who don’t have health insurance, and make the premiums more affordable. That’s a great idea. I haven’t heard anything about a “precondition clause”, though. If we can be fined for not having insurance, we should at least be able to stab insurance company execs repeatedly with Adam’s cheese knife for not letting us have it, don’t you think? It’s only fair.
Julia
April 24, 2006 at 5:56 pm
22for HIVES????????
I keep thinking the system will collapse under its own weight - especially as the elder Baby Boomers move from elder to elderly.
But…hives? Jeebus Cripes, crutch and all; looks like those tv healers better start healing a lot faster.
cooper
April 24, 2006 at 6:02 pm
23Nlbenj, “If we can be fined for not having insurance, we should at least be able to stab insurance company execs repeatedly with Adam’s cheese knife for not letting us have it, don’t you think?” It certainly sounds fair to me.
Scooby, you seem like a good citizen. You would have done all that stuff even if you hadn’t figuratively stepped on your tongue, right?
Johnnyboy, Representative Tom Tancredo of Colorado wants to know if you’re here legally or whether you showshoed over the border while the Customs Officers were getting blotto on that maple syrup had delivered to them.
cooper
April 24, 2006 at 6:13 pm
24Julia, you’ve got it! That’s Bush’s plan - faith-based snake oil and prayer cloth salesmen to cure what ails ya’. I got nixed from a Long Term Care insurance policy because I submitted to testing for ADD. I don’t have it, but since I took the test, it was ambiguous, and I’m 56, I’m sure that’s close enough to Alzheimers for them. Being blacklisted is a bitch!
Johnnyboy
April 24, 2006 at 6:26 pm
25I came in hidden in Peter Jenning’s suitcases, and worked illegally for a while, first as a Zamboni driver, then as a diction coach for Texas radio. I’m still managing to evade “Le Migre”, but now I spend my time on street corners singing Rush songs for money, and tutoring middle school kids on correct adding and substracting.
Landis
April 24, 2006 at 6:39 pm
26“Because I’m a giver.” - Nice
I totally know where you’re coming from Adam. Being self-employed, and a little low on the cash flow, health insurance was definitely low on the list of must-haves. But some family experience has taught me that it’s better to have something than to gamble with my financial future.
My surrogate father had been the picture of health: going to the gym daily, eating healthy (unfortunately not-too-tasty) food, and generally living the healthy lifestyle. Then he gets diagnosed with non-hodgkins lymphoma (like leukemia) and has to get chemo, and stays in the hospital if he gets so much as a cold. Without insurance there’d be nothing. One shot costs over $1000!
About six years ago I opted to buy a catastrophic health care plan. Being younger than 30 and a non-smoker I found a plan with a $4,500 deductible for about $50 a month. I pay for EVERYTHING until I get to the deductible (in a one-year period) and then they cover it. Then over the next 5 years I watched my rates increase until I finally couldn’t hang anymore at about $130 per month! I gave it up for about a year and then got freaked out by something else and found another provider willing to give approximately the same deal for $50 a month again. Health insurance sucks, but it’s definitely something that you can’t afford to not have.
I don’t actually have $5k in the bank to cover my deductible, but I figure if something major happens where the $5k comes from will be the least of my worries….
For all you uninsured out there, just get a high-deductible plan and bite the bullet.
Murray
April 24, 2006 at 7:43 pm
27Adam, your injury has it all. Blood, it wasn’t really your fault, ER story, follow up story, and a moral. (And it’s not TRULY that serious).
I saw the doctor on Saturday also.
On the flight home from CA I spent 6 hours with the person behind me coughing continuously. 5 days later that’s me, non stop coughing, burning lungs, high fever, stuffed head, sinus headaches, and a general willingness to die.
Even though the clinic where my Dr. practices was closed she still agreed to see me. (I believe that my phone voice was sufficiently alarming).
She saw me and prescribed antibiotics and expectorant, and although I have insurance, she didn’t charge me. The drugs cost $20.00
I’m still at 40% but that is about a million times better than I was on Saturday.
This is the good thing about living in a depressed area. There are things like Wellness Clinics and Drs. who will see you on the weekend. Had I been at our other home in the DC suburbs my story would have been similar to yours.
(My youngest brother was born in Canada, for years my mother used to call him her “$5 baby”. He’s worth considerably more now).
David
April 24, 2006 at 8:26 pm
28Sharon,
That’s the other Cabot’s cheese I try not to be without. It’s what cheddar is supposed to taste like.
Fran
April 24, 2006 at 9:20 pm
29I’m covered under my partner’s insurance - yes, avert your eyes, I’m gay and therefore probably directly responsible for all the evils in this country now - and when she was looking at changing jobs, a deal-breaker was whether or not I’d be covered. It’s a tough situation, but since untamed cheese knives still roam unsuspecting kitchens, we take no chances on insurance coverage.
Scooby
April 24, 2006 at 9:48 pm
30coop,
Well, good intentions and all… But now I feel more compelled.
I probably would have been more likely to wait until the local library had the book (gasp)…
I do contact my senators and reps at least once a week. But I haven’t lobbied them specifically on healthcare yet. I usually address current bills. I’m hoping there are tens of thousands of other local constituents doing the same… never sure how much impact I’m having. Especially on Rep John McHugh, who looks slightly inebriated in all the photo ops on his website.
cooper
April 24, 2006 at 9:50 pm
31Johnnyboy, I always liked Peter Jennings, though he did say “aboat” instead of “about” to the very end, no doubt a matter of pride for him. Middle school, huh? I guess you enjoy a challenge. Throw in some Bachman-Turner Overdrive songs into your sets, you might see a difference in your take at the end of the evening.
cooper
April 24, 2006 at 10:24 pm
32Siobhan, wow, your sweetie got clobbered, didn’t he? Glad he’s better.
Adam, moms never stop worrying, do they? Finger throbing? Keep it above your heart. Hope they gave you good meds.
Landis, somewhere around 30, I, too, deducted that I wasn’t really 10 feet tall and bulletproof and got insurance. I’m also self-employed and paying $864.00/month for my health insurance, which is outrageous. Our rates went up 50% this year. We’re currently shopping around for a better deal with, of course, a higher deductible. The fact that you have to be working for a business that has insurance as a benefit to be able to be covered is the wrong way for this wealthy country to handle health care.
Scooby, I googled your congressman and you’re right about his ugly mug. That’s a huge district you’re in. One of my cousins lived in Watertown for a few years and then she divorced her husband and moved to AZ. Winters are very nice, summers aren’t particularly.
SeattleDan
April 24, 2006 at 10:44 pm
33I’m covered under my partner’s insurance - yes, avert your eyes, I’m gay and therefore probably directly responsible for all the evils in this country now-Fran
I always knew someone was responsible, but I never suspected that it was you,Fran.
Like Fran, I am dependent on the largesse of SeattleTammy’s health care.Her boss,who,oddly enough, is Fran’s boss, picks up Tammy’s share,but for SeattleTony and I,it is still a big chunk of change. We live on bookseller salaries…
But everything I’ve read on home finances always advise two things:1.Have a health care plan;2.Dont run up your credit card debt. Not that these things are mutually exclusive in many households,alas.
Hope the finger is doing much better,Adam.Keep it elevated! And thanks for a great post.
ginny
April 24, 2006 at 10:59 pm
34Thanks for that link to OpEdNews.com, Stephen - very handy. I also sent separate emails to my local Illanoise legislators - both Republicans, but what the hey.
Adam, I solemnly promise not to make any cheese-related jokes. Thanks for starting out funny and ending up serious. Take care of that injured digit.
ice weasel
April 24, 2006 at 11:40 pm
35Quick recovery Adam.
Health insurance is a bitch. I once dated a semi-popular comedian’s daughter and recall many conversations about not having worked enough hours to have health insurance for the next year. What a way to live. Thankfully Mrs. Weasel’s excellent government health insurance covers both of us. Without that, being (under) self-employed would probably put me in the position of having to decide if I wanted to pay the mortgage, or the health insurance. Not a pretty decision.
hedera
April 25, 2006 at 12:23 am
36OK, first, Adam: use a real knife, not one of those “cheese knife” thinglets. Better yet, use a cheese slicer (with the wire); they work better too.
Second: I’ve been profoundly grateful for most of my life to be covered by Kaiser Permanente. I’ve had both knees replaced at an out-of-pocket expense under $1,000, and lifelong allergy shots. Etc., etc., at an average co-pay of around $9. I would stay at a bad job to keep Kaiser; at one point I paid for it out of pocket. I’ve felt for years that what we really need is Kaiser for the whole country but that would probably ruin Kaiser.
Third: Stephen, thank you, THANK YOU for the impeachment link, wa-HOO! And I’m delighted to see that my own personal legislature is fielding one too. How did the Congressional gnomes miss that one? Gotta go write the Assembly and Senate persons to support this.
Emmarie
April 25, 2006 at 1:11 am
37Aack. Do heal. And please, don’t be afraid of cheese, just useless cutlery.
SpottedDog
April 25, 2006 at 2:22 am
38$50 a month for health insurance. I had no idea such a thing existed. I’ll have to look around. Thanks for mentioning it.
Linkmeister
April 25, 2006 at 3:37 am
39$50/month? I’m a Kaiser insuree for the whopping sum of $297.07/month (single, self-employed). I’ve seen that double in six years, while the number of paying clients I have has remained static at 0-1. For that I get a $15 co-pay for prescriptions and 50% co-pay for all lab tests/procedures.
Hawai’i has a law which requires all employers to pay for their employees’ health plans for each employee working over 20 hours a week. As you can imagine, there’s a lot of creative scheduling going on out here.
Adam, take care of your finger.
Dave D
April 25, 2006 at 8:18 am
40Ouchh! My finger hurt just reading that. Sounds like it was a ‘clean’ cut if you didn’t feel it until *after* you saw blood everywhere. But when that throbbing sets in …..
Harold - It took about five years for the nerve pathways to rewrite themselvs properly.
That’s a sobering thought. I was in a motorcycle accident in July. Some broken bones and a smashed in face (Every one tells me I look good; they didn’t say that before so I guess the doctors did a *great* job). Everything is pretty well healed, except for the nerve in my leg. I keep waiting to be able to work my foot properly; and get rid of this brace (and the daily meds). I guess patience is a virtue that I will have to practice well.
As for insurance, I have Aetna, and I couldn’t been any happier with them. I’m on their HMO, and have only had to pay co-pays ($10, $15, or $25), so my out-of-pocket has only been somewhere aroung $1000.
I have to agree that not having insurance in this ‘great’ country is taking a very risky gamble; you never know when something might happen, regardless of *how* healthy you are.
dee
April 25, 2006 at 8:46 am
41I for one am proud no one has made any comments along the lines of “Last time I got injured cutting the cheese it involved two bowls of chili, a six-pack of Tecate and a Bic.”
Sharon
April 25, 2006 at 9:26 am
42I’m paying $550/mo for COBRA coverage with my last employer, who has a very excellent health plan. That’s about half my monthly pay at the library. I’d love to get cheaper coverage, but I’m not 30, and I do have a few minor, but chronic, health issues. I know people who are staying at jobs that they hate, because of the medical insurance. This is a gross inefficiency in the employment market that surely even corporate America can recognize by now.
siobhan
April 25, 2006 at 10:03 am
43Sharon, I suspect that corporate America does realize it and uses it to their advantage. If you know that a certain portion of your workforce won’t switch jobs no matter how miserable the working conditions because they’re held hostage by insurance then you can hold down wages and keep things crappy, secure in the knowledge that the employees won’t rebel.
Mary
April 25, 2006 at 10:35 am
44When Clinton took office and tried to get universal health care through, I heard the best line about our present system - (to paraphrase) “wihtout universal care, the US is going to have to decide what they feel a reasonable level of death is.” A very sobering thought.
What universal care would do:
1) Lower insurance premiums for hospitals and doctors
2) Lower benefit costs to employers
3) Reduce the amount of paperwork done in hospitals
4) Reduce the number of “preventable” deaths in this country
5) Improve the US infant mortality rate (which is sadly high)
I’ll stop at #5 as y’all get the idea.
Good work Adam. Now take care of those precious digits.
Pete IVDL
April 25, 2006 at 11:56 am
45Jesus H. Christ coop, I’m sureasshit glad I don’t live in Merka. Not only is your healthcare down the crapper, you have to pay an arm and a leg (probably literally), AND you’ve got Bush. I don’t know which is worse! (Actually, that’s a no-brainer heh heh heh).
Because of my various fallibilities, it made sense for me to be on the highest bracket health insurance. I figured out last week while I was doing the books that we’ve spent around $65k on my healthcare premiums over the past 18 years, and we’ve just about broken even (touch wood).
‘Course, now that I’m self-employed, I might have to just find a good shaman next time my pump needs replacing, but that’s a couple of years away, and our insurance folks allow us to put our premiums on hold indefinitely, as long as we’re willing to take the risk that I don’t pop a valve or short out my spitzensparken before we restart premiums (kinda like the lotery). But the idea that most folks don’t even have the option of affordable healthcare scares the willies out of me (or it would if I hadn’t had a williectomy).
Pete IVDL
April 25, 2006 at 12:03 pm
46Ok, that one slipped through, OK? I don’t sing soprano. Balls like sacks of cement. Oops. Didn’t someone mention cheese earlier? Why is American cheese orange? Look! Over there! It’s a giant… camembert!
Maximum Bob
April 25, 2006 at 12:22 pm
47Sounds like you’ve got the makings of a great self-help book, Adam: Who Bled on My Cheese? The Right and Wrong Ways to Get in Touch With Your Feelings.
Evil attorney
April 25, 2006 at 12:53 pm
48Beleive it or not, you likely do have coverage in this situation. If your friend has homeowners or renters insurance, there is probably a medical payments “med pay” component to it and the policy will pay $1,000 or $5,000 - something like that - in medical expenses for guests injured in the home. Ask your friends for their policy info.
Dick (Oh, come on! - the one from Henry VI, jeez
April 25, 2006 at 2:01 pm
49The first thing we do is to kill all the lawyers!!!
Harold
April 25, 2006 at 2:23 pm
50Sharon, Siobhan, I think you’ve hit upon one of the basic principles of the not-so-secret conspiracy to keep the working class in America cowed and subservient to the will of their corporate masters: Keeping medical care, and medical insurance, so expensive that it will be almost impossible for anyone outside of the system to get even basic services ensures a supply of workers willing to do jobs they hate in exchange for barely adequate insurance or HMO coverage. (Another basic principle is encouraging people to take on excessive debt through spending well beyond their means - which might explain why four out of every five vehicles on my morning commute are gas-guzzling SUV’s with single occupants. Or is it just that people are stupid?)
joi
April 25, 2006 at 3:19 pm
51How do you do, I with cyprus very open and interesting site, want you to continue to surprise us. Thank you.
The Misanthrope
April 25, 2006 at 3:58 pm
52Slowly we’ll get everyone on board for a health insurance solution in this country. Right now the HMO executives are getting wealthy, very wealthy while people suffer and die. It’s all just part of the capitalistic way in our new Gilded Age.
Ann
April 25, 2006 at 4:25 pm
53I have terrific coverage through my employer, a large software company in the Seattle area. But it’s true, the fear of losing my bennies is one of the reasons I stay. (And they’re NOT moving me to Denmark, Lobster damn them!)
But as a single person, I resent the fact that married employees are compensated at a much higher rate: the company pays for their families’ insurance also, which is a substantial chunk o’ change. Clearly, universal coverage is the only equitable system. There’s no logical reason to connect health insurance to one’s employment, anyway!
And my sympathies about the finger, Adam. I agree that you should check with your friends about their insurance. And in the future, remember to have all of your medical crises in other people’s offices and homes.
siobhan
April 25, 2006 at 4:41 pm
54Ann, though I understand your frustration I gotta say that it’s a rare company these days that pays insurance for the worker’s whole family.
waterfowler
April 25, 2006 at 4:50 pm
55Mary,
Doesn’t “universal” require more Fed involvement than already exists. Your 5 points sound great, but they also sound somewhat utopian. If our federal gov’t. could produce those results, I’d even vote for you lefties.
I haven’t been insured for the last 2 years. It’s scary, especially w/ the little rednecks, but you do what you have to. I certainly wouldn’t stay in a job that sucked just for the insurance. Tell ‘em what to do w/ it and go get something better. My doc gives me a lower rate as a cash paying customer and “samples” when he has ‘em. It saves him time, money, and paperwork. If we all did that, rates would fall and the insurance cos. would fade away.
The main ingredients however, has been mostly left out of this discussion. Lawyers and tort reform. Gotta go…I think I heard a Gator bellowing…
Harold
April 25, 2006 at 5:14 pm
56Waterfowler, I’m no expert on the subject but it seems to me that tort reform has always been a favorite bugbear wheeled out of the closet whenever the issue of rising health care costs has come up on the national stage. Ask a doctor and they’ll probably tell you that their biggest concern is the skyrocketing cost of insurance, a cost which is rising out of proportion to any payouts to parties injured by medical malpractice. Tort reform is a political red herring used to deflect attention from the insurance companies that are busy eyeing up doctors and patients alike as if they were so many sides of beef.
No insurance? Dude, if the Veep ever invites you on a quail hunt, make sure you’re covered by his insurance.
David
April 25, 2006 at 5:17 pm
57You do, Waterfowler, you do.
dee,
Thanks for the quick trip down memory lane, although we never suffered any injuries because we all wore Levi’s (that is not a typo - it’s a pair of Levi Strauss’s jeans, so it’s Levi’s, because Levi’ses is…oh, whatever).
David
April 25, 2006 at 6:26 pm
58Off topic (except for the blood part)
For those of you who listened to W,W,DTM this week and were also struck by the Donner Party reality tv show being the correct answer, I stumbled onto this poem Sunday on the Poets against War website, a poem which takes the reality of the Donner Party to a hell of an artistic level.
http://poetsagainstthewar.org/displaypoem.asp?AuthorID=26128#453082961
Murray
April 25, 2006 at 7:09 pm
59WF
I would a thousand times rather have the federal government deal out my health care than a private company who’s only job is to make as much profit as possible by charging as much as they can and giving out as little health care as possible. (How could there be a worse system?) All studies show that with private insurance there is far more cost given to paperwork than government coverage. They spend a lot of effort proving why they can’t cover you.
Having no health care insurance is living life with out a net. Eventually all of us fall. As my brother says, the odds are low but the consequences are too high. To me “doing what you have to do” has a different meaning, especially if you have kids.
Adam, you really should contact your friend. He is probably wracked with guilt and he would probably be relieved to help out. It wouldn’t change his insurance rate, so there is no down side.
Murray
April 25, 2006 at 7:14 pm
60It’s a good thing that Jane mostly likes her job. With her RA, if she quit we would have to sell our house. Her weekly drugs would kill us if we didn’t have them covered.
Sharon
April 25, 2006 at 7:39 pm
61Yes, a lot of people are under the mistaken impression that insurance companies are in the business of paying out claims. They are not. They are in the business of collecting premiums and maximizing profits. That’s the sole purpose of a corporation. Insurance companies are only doing their fiduciary duty. That’s why the nation’s health, along with clean air and water, is too important to be entrusted solely to private enterprise.
Mel in Vermont
April 25, 2006 at 7:57 pm
62Ooh, goodie! Are we all telling our sliced finger stories now? Mine happened when I was in business school, but also playing violin in the local orchestra for beer money. I tried to cut a semi-frozen bagel and cut off my left-hand middle fingertip instead. (For those of you scoring at home, that’s the hand that does the, like, fingering.) I walked up the street to the university health clinic. They took one look at me and boredly said “Another bagel-related injury.” (Apparently they’re quite common at Cornell.) I was seen almost immediately by a doctor who was, it turned out, a guitarist. When I told him I was a violinist who HAD to play a rehearsal that night, he patched me up in a novel way, the paper about which has probably since earned him a fancy position somewhere I couldn’t afford.
So anyhoo, Adam, I feel for you. But at least I didn’t eat the bagel.
Ann
April 25, 2006 at 8:45 pm
63I started this post a half-dozen times, but it always devolves into an ad hominem attack against a fellow poster. Must control myself. Simply put, staying in a job because you have good benefits IS doing what you have to do, especially if you have children. If you liked the job more, they wouldn’t give you such good benefits! The notion that most of us can simply leave a job and find something “better” is incredibly naive.
I was suddenly transported to the early ’80s, when People did a profile of Nancy Reagan’s friends. They were all quite wealthy, and one of them—possibly Betsy Bloomingdale—dismissed the value of the Equal Rights Amendment. Her argument: “We don’t need the ERA because I’m doing fine without it!” My friends and I all slapped our foreheads—”That’s what we’re doing wrong! We didn’t marry millionaires!”
Telling people to get better jobs, or pull themselves up by their bootstraps, or just work harder (or smarter!) is useless advice. It doesn’t solve a systemic problem, because obviously we can’t all have the best jobs!
SeattleDan
April 25, 2006 at 8:57 pm
64My previous boss used to tell us all the time “Work Smarter,Not Harder” in answer to the protestations that there was too much work and not enough bodies. What a maroon. (Well, he was also many other things,like a liar,dense,hypocritical,a jerk and those were his good qualities).
Sorry to hear that the Denmark thing is going to work out,Ann. Maybe you are destined for even better places!
SeattleDan
April 25, 2006 at 9:32 pm
65That the Denmark posting is not going to work out.My brain is fried from having to look at sunshine.
cooper
April 25, 2006 at 9:56 pm
66Okay, Adam, who’s your buddy? Now is the perfect time to share this MeMo tip for Bandaid Reformation, brought to us by the Inscrutible Asian Association of People with Way the Heck Too Much Time on Their Hands. You may find some helpful tips here.
http://blogs.chron.com/memo/
Happy healing.
Ann
April 25, 2006 at 10:48 pm
67I don’t mind too much, SeattleDan. Now I get to spend this gorgeous Seattle summer working in my garden and reading good books!
SeattleTammy
April 26, 2006 at 12:11 am
68WF, you’re lucky you have a sympathetic doctor. I’ve been bounced around so much from Group Health, Blue Cross, Premara I can’t keep the same doctors, and we’ve been told while we can use Swedish doctors, we can’t use Swedish Emergency. I still keep in touch with the relatives in the woods and most doctors do use the samples to relieve pain, and don’t blackmarket them for a profit. It’s that Bad Cousin who’s sellin the good shit…
Ann, thanks so much for your comments, we all stay for the family. and the bennies.
a year anda half ago I sprained my left hand falling- I caught the stack of To-Be-Read books beside the bed, and tore the tendon on my “long finger”. the tendon needed to be tacked back down or the finger would be useless. that’s an important finger when I’m driving! It cost $9 to $10,000 and we paid about 2 grand and Dan was between jobs. It felt like I was taking too much out of the family, until we heard about friends maxing their cards to care for a cat for $1,000 a month, for several months, that got et by a coyote the first night they let it out to pee-pee.
hedera
April 26, 2006 at 12:18 am
69The band-aid thing is too, too bizarre. I may even try that…
David
April 26, 2006 at 1:25 am
70Correction to a post on a previous thread: Stephen Colbert just put my ass straight on who wrote “Do I contradict myself? Very well then, I contradict myself.” It’s from Song of Myself, for Lobster’s sake. Grabbing for a connection to the current medical thread, one cuts the arteries longwise rather than crosswise, doesn’t one?
SeattleTammy
April 26, 2006 at 1:39 am
71ahhh, mister Whitman-
there’s the rub
thank you
good night sweet prince
D & T signing off!
the rest is silence-
we’re listening to Elvis C hoping to quote something transcendental- I’m captured by your touch.
my flame burns blue
t.a. barnhart
April 26, 2006 at 4:12 am
72sometime when you are feeling brave, you can ask me about my adventure with hand damage, although since mine involved placing all 4 fingers on my left hand in the 6-inch rollers of an industrial pasta roller, thereby giving me an unprecedented glimpse not only inside my fingers but also my fingerbones … well, needless to say, i may have told you all that is necessary.
cooper
April 26, 2006 at 7:47 am
73t.a., Yow! I may never eat linguini again.
dee
April 26, 2006 at 8:23 am
74Electronics, hybrid cars and bandaids. I don’t care if their economy is tanking, the Japanese still manage to figure out a better way to do everything.
Mary
April 26, 2006 at 10:01 am
75Waterfowler-
The involvement of the government would bring about those changes due to:
1) Government would regulate how much a doctor/hospital could be sued for. Thus private insurance would either lower or become extinct
2) Cost to employers would lower due to the cost being spread across all workers and companies- no more top/middle/low end coverage costs
3) Hospital paperwork would be reduced because there would be only one insurer-one claims form
4) Preventable deaths would drop due to earlier intervention. No more use of the ER for clinic visits or putting off medical care due to cost
5) Ditto infant mortality rates. The poor would be able to get prenatal care- the big reason the US has the highest infant mortality rate of any industrialized/developed country.
Sorry- I worked for the UM School of Public Health for nearly 16 years. I learned what is really going on in health care.
dee
April 26, 2006 at 10:31 am
76Medicare, which wasn’t broke so they decided to fix it, has an claims expense rate of 2%. Medigap policies (sold to individuals) have an average claims expense rate of 20%. (See for more info)
A single payer system COULD be cheaper IF the government used its tremendous buying power to leverage the best deal, with a profit margin that’s fair. I don’t want my tax dollars adding to the obscene profit of pharmaceutical companies, nor do I want the government to Wal-Martize medicine, cutting its reimbursements to providers to the point where no one feels the need to practice medicine anymore.
There is a better solution. But it’s never going to happen unless real lobbying reform is in place to mute the overly loud and influential voices of Big Pharma and the Insurance Mafia. Should they have a place at the table? Absolutely! Should their welfare be the only concerns of our legislators? Absolutely not!
dee
April 26, 2006 at 10:33 am
77Well that’s an interesting use of tags.
What I meant was see here for more information.
Stephen
April 26, 2006 at 10:42 am
78There is no easy fix to this. Too many different issues to look at as well as possible exceptions. The only thing I know for sure is that the current system where the insurance companies are trying to make a profit just doesn’t work. I remember when my homeowners insurance went through the roof after 9/11. I was told that the insurance companies were trying to pay for the payouts that were coming. I get hit by a driver, my car insurance goes up. Every year the co-pay on health insurance and the premium I pay goes up, even thought my family and I are healthy and don’t use it very often. There has to be a better way.
Also, I am blessed to have a job I really like with good insurance, but have worked jobs I hated with insurance because I can’t see having my kids live without it. You do what you have to do, indeed.
cooper
April 26, 2006 at 10:46 am
79Off target, but interesting to inquiring minds - a rundown of the new Press Secretary, Tony Snow, in Media Matters a few days ago.
http://mediamatters.org/items/200604220001
Murray
April 26, 2006 at 11:32 am
80WF
Due to your circumstances, your becoming a liberal is inevitable.
With no insurance it is only a matter of time before you will be faced with the decision of life and limb, or house and car.
It will hit you like a ton of bricks, as soon as the inevitable happens, that a system that prevents you from having health care due to cost, just isn’t right.
You may think that the government is only for kicking foreigner’s asses, and putting gays in jail, but every other country realizes how important it is to allow people like you to not have to sell your house to deal with medical problems.
Sharon
April 26, 2006 at 1:54 pm
81Can’t speak for WF and his spouse, but in Texas there is, at least, medical care for minor children. My sister, who was laid of from her well-paying IT “job for the 21st century” nearly 3 years ago, has it for her 11-year-old son.
siobhan
April 26, 2006 at 2:10 pm
82Re: the new press secretary - didn’t anyone in the White House foresee the “Snow Job” angle? I thought not…
Stephen
April 26, 2006 at 2:53 pm
83I have actually heard this Tony guy on the radio. I think I will start calling the White House the “Looney Bin”(tm). I am sure that FOX news will just as fair and balanced with him as they always are.
I do wonder how Tony will deal with not having a “hang up” button when the questions get to tough.
“I’m sorry Don but we are out of time..oh, wait”…
RobW
April 26, 2006 at 5:26 pm
84“1) Lower insurance premiums for hospitals and doctors
2) Lower benefit costs to employers
3) Reduce the amount of paperwork done in hospitals
4) Reduce the number of “preventable” deaths in this country
5) Improve the US infant mortality rate (which is sadly high)
I’ll stop at #5 as y’all get the idea.” -Posted by Mary
But wait, there’s more!
Reason #6: Lower premiums for ALL insurance, as the medical liability component is removed from every other type of coverage.
Ok, I’m not an insurance industry expert- if someone can correct me on this, please do.
But it seems to me that with a single payer, universal health care system, then the medical liability component of every other type of insurance ought to basically go away.
Think about that. No medical liability on your home insurance. Or your business. Your home or business insurance policy would still have to cover property damage, but it would not have to cover the medical costs of an accident.
This includes worker’s comp coverage, whose biggest expense is medical liability for job-related injuries.
Likewise, your car insurance would only have to cover property damage, not medical costs of accidental injuries.
Of course, these policies would still be necessary; there are other risks that need to be covered, like lost wages, pain and suffering, punitive damages for gross negligence. But I can’t believe that removing medical liability would NOT seriously reduce premiums.
A serious reduction in premiums would be terrific for small businesses looking to expand. Business owners often cite high insurance costs per employee as a restriction on their ability to hire more people.
Next time someone offers up the tired argument that universal health care means higher taxes, ask them what is their current total insurance costs… I think that not only would they see a savings in their health care premiums, they would also see substantial savings in ALL their insurance premiums.
Lower premiums in ALL areas of coverage? No wonder the insurance industry is fighting this to the end…
As has already been noted here, the employer-based private system is a terrible drain on our economy, adding to the cost of hiring and keeping employees, driving up the cost of domestic production, restricting our competitiveness abroad, etc.
Since the obvious moral arguments have been ignored for decades, let’s stick to the economic argument: single payer universal medical coverage is a business imperitive. We need this if we’re going to compete with the rest of the world.
Just wondering- does anyone know how NON-health-related insurance costs in Europe or Canada compare to the U.S.?
cooper
April 26, 2006 at 5:45 pm
85Siobhan, good point. Of course, they’re already doing that at Treasury. http://www.whitehouse.gov/government/snow-bio.html
siobhan
April 26, 2006 at 6:22 pm
86Coop, that explains the “deja vu all over again” feeling I had while listening to the story this morning. So maybe this is to send some kind of message to the “white power” base.
Matt
April 26, 2006 at 6:43 pm
87Tort problems are a plague on the medical system, particularly in under-served areas and under-represented specialties. I can deal with high malpractice premiums, but I tell you, in my state, a million dollars of coverage can’t keep up with the runaway judgements.
In times past, I’ve been game to leave my family at a moment’s notice and miss another dance recital of my daughter to fix some indigent child whose parent couldn’t be bothered to put them in a car seat. Sure, my family missed me, and I was paid nothing, but I think it was important.
Now, when the call comes in the middle of the night, I think “is this the one that takes away my kid’s college tuition?” It all seems like a make-work program for lawyers. And the truth of the case has little to do with it. It’s all about bad results and jury sympathy.
I don’t know who in the next generation is going to do this.
Ann
April 26, 2006 at 9:02 pm
88Let’s not dig up that fallacy about runaway juries, greedy lawyers, and such. From Commondreams.org (Jan. 2005):
–Insurance rates do not vary with the amount of claims paid out as much as with the amount of investment income that comes in.
–Since 1996, the number of malpractice claims has been flat. The average payout has increased only slightly.
–Of any eight patients injured because of medical negligence, only one ever files a malpractice claim.
–Medical malpractice rates have not risen more slowly in states that impose financial caps on pain and suffering awards.
–A tiny fraction of doctors account for the majority of malpractice awards.
Very few medical mistakes lead to lawsuits, and very few of those lawsuits result in large payouts. The insurance industry—not the legal system—is gouging doctors.
Johnnyboy
April 26, 2006 at 9:14 pm
89“Just wondering- does anyone know how NON-health-related insurance costs in Europe or Canada compare to the U.S.?”
Rob, this is hugely complicated. I could tell you that car insurance costs about as much in Quebec than it does here in CT, and that homeowner’s insurance is also pretty much the same - but that really doesn’t mean anything, because the coverages are all very different. For instance, when licensing a car in Quebec, about 100$ of the insurance you pay goes into a governmental disability insurance fund - this fund in turn pays for the disability costs (wheelchairs, prosthetics, rehab, home modification, job training, etc…) of anyone handicapped in a traffic accident. I don’t think there’s anything comparable in the US, but it’s just as an example - comparing insurance costs is one thing, but you also have to look at what is provided.
One obvious advantage to governmental health care that Mary doesn’t mention is that the money paid by taxpayers is spent mostly on healthcare itself, not on the multitudes of redundant insurance company expenditures and salaries (including million-dollar salaries of execs, dividends to shareholders, all the corporate-related costs, etc…). Sure you have to pay the government employees administering the system, but a civil servant’s pay is not exactly in the same range as that of those overpaid corporate execs.
Matt
April 27, 2006 at 1:08 am
90Ann, some truth and a lot of disinformation. Premiums may have risen at the same rate, but states with caps have lower cost basis to compare. Doubling of rates is a lot easier to take if you were paying 90per cent less at the beginning. Simple math leads to misleading statements.
Of course rates vary with investment return. It’s how insurance works. If your investments are doing well, you can soak up increased costs. But eventually, subsidizing the plaintiff’s bar is going to result in greater premiums.
A tiny fraction of doctors are responsible for the largest amount of dollars, of course. There aren’t a huge number of million dollar verdicts, so a tiny fraction of doctors are responsible. Each doc may only have one, but obviously all of those docs are going to add up to a small amount of those in practice. But virtually every doc has been threatened with a suit.
Though the great majority of cases have no merit, the doctors and insurance companies still spend time, effort, and money to defend themselves. So while judgements may be steady, the cost of defense has gone up tremendously.
But really you don’t do anything to address my problem. Can I continue to put my family at financial risk each time I care for a crippled child? A million dollars doesn’t cover much today and I’m at risk for the rest. The statute of limitations is age 23. My estate can be sued decades after I die. Do you trust the jury system? I used to. I’m the proud son of an attorney and the brother of another. But I’ve lost faith in the system to treat me fairly.
Well, it’s almost midnight central time. Most likely this call night will pass without any gut-wrenching ER case. Kids tend to get injured earlier so I’ll crash for tonight.
Matt
April 27, 2006 at 1:20 am
91One more thing, Ann. My insurer doesn’t have stockholders, only the people that buy the policies. No dividends. so who is gouging me? myself? all those “bad doctors” no doubt.
pjk
April 27, 2006 at 5:21 am
92Adam; sorry about your peek under the dermis.
Matt- if you can explain how malpractice insurance premiums continue to rise while insurance company payouts and jury awards have fallen, perhaps you will find the culprit.
“General rate increase?” Fuck them.
It’s not at all about spreading the risk, it’s about getting rich off of someone else- so that when the bottom falls out, we can forage for carrion from the side of the road while the well-off can spit at us from their Internatinal Harvester “pick-ups” as they drive by.
I used to think auto insurance was a ripoff. In contrast to our current 2-driver policy for $60/month with $300K coverage, our health care costs a total of about $850/month with a $5500/year and max out-of-pocket of $7500, and a $1 million lifetime maximum.
Cheaper than last year, when it was $1200/month with a $3000 deductible plus copays that didn’t apply to the deductible.
I can’t decide which is more fucked up, the health care system or the legal bribery and politics that allow the “status quo” to cost all of us more every year.
Whomever said that a shitty system that excludes at LEAST 20% of Americans (while bleeding the rest dry) is prefferable to “socialized medicine” must have his head up Right Wing talk radio’s ass. Have the dignity to die for your principles rather than burden the system when you need help some day, idiot.
Ann
April 27, 2006 at 1:53 pm
93“Though the great majority of cases have no merit”? Based on…what? You know lawyers—I’ll bet they’ll tell you just how eager they are to take on cases with no merit.
If the flipside is that the great majority of patients injured by malpractice DON’T sue, where does that leave you, statistically? Few injuries lead to lawsuits, yet most lawsuits have no merit. Confusing.
siobhan
April 27, 2006 at 9:01 pm
94To be fair, Ann, lawyers will take cases based on the possibility they can win, and the merit is not always directly proportional to the winnability. It only takes a few of them who specialize in this sort of case to have a major effect; they know what juries respond to. I’d suspect that it’s much easier to find a lawyer willing to take the case of an adorable child than a crusty old cuss from a skid row residence hotel, regardless of whose case has more merit.
Matt
April 27, 2006 at 10:26 pm
95Right, Siobhan. Lawyers don’t protect the injured, they take cases they can win and make money on (winners that make little return are ignored). I read that even “pro bono” attorneys (in non-malpractice cases) can be awarded big fees by the courts.
I think the figures on average payout “rising slightly” are not bourne out by others studies. In our state the average judgement has risen considerably. More suits are successfully defended, but that does cost as well.
Ann, I think it’s very random. It’s not just “a few bad doctors”. It’s that you won’t be able to find a neurosurgeon to take the blood clot out of your kid’s head when he’s beaned by the baseball. Too risky–take him to the university 6 hours away. Of course, by then, it’s too late . . .
Can’t get someone to deliver your baby in rural areas? You can drive for hours, can’t you? Unless it’s an emergency.
So maybe you can’t find a neurosurgeon or an OB. But we can find a lawyer . . .
And please, we don’t have a health care system in this country. We have many disjointed systems.
hedera
April 28, 2006 at 12:28 am
96Now, mind you, I’m in favor of single-payer health insurance. I agree with all the arguments. But I’ll take issue with one of Mary’s statements:
There’s