Health care in America: Big benefits, but not for us
To insure our little family of four, each month we pay a whooping $1,163.02 to Oxford Health Care. I understand from talking to other families in our boat that this is about average.
Each year in December, I brace myself for the inevitable news that health insurance costs are rising again. I hope against hope that they will not rise significantly, but each year without fail they go up. I have accepted that.
What I find unacceptable is the additional “out-of-pocket” (isn’t it all out-of-pocket?) we must to pay to receive benefits. For example, we must fork over a $40 co-pay each and every time we walk into a doctor’s office. In the last two months alone, we’ve paid out an additional $160 because every member of the family has had to go to the doctor for one thing or another.
Another example: prescriptions. Look at this picture:
That teeny tiny vial of medicine cost us $80 on Tuesday. Oxford was gracious enough to pick up $20 of its cost. Wow, Oxford. Thanks a lot. That’s really . . . something.
And what, you may ask, is that prescription for? Some strange or rare affliction? Is it an experimental new drug? Is it a vanity prescription like wrinkle cream?
Oh no. That itty bitty 3 milliliter bottle holds eye drops to treat my daughter’s pink eye.
Pink eye. An extremely common childhood infection.
Honestly, I’m not sure how some families do it. I don’t know what the answer is, but something’s got to change. How much blood are we all expected to give to a broken system?
How much money do these greedy insurance companies need to collect? And let’s not even get into the topic of legitimate claims that are habitually denied, forcing you to fight tooth and nail with the bureaucracy to get them paid. That’s a whole ‘nother kettle of fish and another post for another time.
People are in an uproar about oil company profits; what about the record profits recently being reported by health care companies?
They are making money hand over fist and at whose expense? Ours, my friends. All of ours.