Ensuring My Health is Killing Me
Not literally of course. The death I’m talking about here is slow, agonizing financial death. I just received my new “Open Enrollment” health insurance letter from my company which was filled with shiny highlights and positive wording. Ironically, looking at just the facts, everything in the letter informed me that I was going to be paying more money and getting less for it.
My company decided to stop flip-flopping between health care providers this time and stuck with United Health Care. Below are the semi-monthly costs (Keep in mind that I have a wife and two little girls):
So, if you’re following along, that’s a whopping $888.28 a month to keep my family healthy. I’ll spare the suspense and tell you that it’s almost as much as what is direct deposited into my account bi-monthly, which is $1038. Now, that’s currently deducting my health insurance, 401K, and a few other things, but suffice it to say its no small chunk of change for me.
I’ve got to tell you folks, socialized medical care is looking pretty good to me about now. I’m not advocating it, I’m just jealous. The real reason why our healthcare is going up, and thus our insurance is escalating, is three-fold. First, we have the fact that the number of doctors and hospital beds compared to our population is pathetic. Secondly, the doctors that we do have are charging and arm and a leg for their healthcare. We don’t normally see it, but the insurance companies sure do and that’s part of the reason they are hiking up their rates. Last, we’re on the verge of having a healthcare bill that forces every man, woman, and child into the hands of the private insurance companies. Additionally, it forces those companies to accept preexisting conditions, which inflates the prices for all consumers.
I, for the life of me, don’t see why we don’t fix the problem at its root. Provide more funding for students going into medical care fields and incentives, penalize doctors and facilities that charge over the acceptable amount (might as well standardize pricing while we’re at it), and then come up with a fair plan to help everyone get health coverage. You have to solve the first two before you work on the last. Providing a solution that doesn’t address the problem is counter-intuitive and would have cause you to fail even second grade Math.
Please forgive this rant. I know I’ve lost most of my objectivity due to money being torn from my hands. I can’t be alone here. We need to stand on our rooftops and shout, letting the government know that we’re mad as hell and we’re not going to take it anymore. I could give two shits about the political campaign right now. My family should have decent, affordable health care no matter who is in office. I think this is not too much to ask of my country. I’ve served it, now it’s time that I get the same respect.