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If You Had A Stroke Tomorrow: What’s Your Situation?
Wrapped in my own gratitude for my husband’s safe journey through a difficult surgery this week, I listened as another patient and another family struggled with a less favorable course. And my heart still hurts for this stranger. I will never see him again in all likelihood, but his trauma will play out thousands of times today across the nation and tens of thousands of times this year. And he never saw it coming.
Ten days ago, this patient now in a huge, highly respected urban medical center was living a normal life – or at least trying to. I heard his family say he had headaches for months that specialist after specialist seemed unable to diagnose. Nine days ago, he had a stroke.
I didn’t learn any of this by talking with the patient or his family. I just overheard it as my husband shared a room with him after they both had transferred out of the neuro-intensive care unit.
When he awoke, he was in a hospital bed, unable to move most of the left side of his body, and wearing an adult brief due to his inability to control bodily functions. His wife died some time ago, and at 60 years old, he is raising a teenaged daughter. Periodically, his daughter, his sister, her grown daughter, his twin brother and his niece would come to his room. Loud and a bit brash, they would call out orders to him to try to get him to move a limb or a finger or show some level of mental or physical activity that would point toward post-stroke improvement. He did what he could to oblige.
His sister announced that she was “the bull dog” of the family. She stated she was there to make sure he signed papers giving her legal authority over his daughter and his finances and that she would be in charge of next steps in the decision process for his medical care. His brother was obviously shaken by the whole scene but also obviously unable to change the pre-stroke dysfunction in the family.
When nursing assistants came to his room, they would chastise the patient a bit for being too modest to allow himself to be exposed as they checked his brief and tended to his linens. His mind and speech were sound enough for me to hear him repeat over and over again, “But my niece or my daughter could come in at any second.” To which the aides responded that he’d have to get used to the changes in his life. One time, the aides were mad at him because he had not urinated, as if his profoundly altered mental and physical status could be overcome by the will to do so.
Soon enough, a group of doctors came into the room. My husband and I were on the other side of the curtain that separated the two beds in the semi-private room, but we still could not avoid hearing the conversation. The doctors checked the patient and listened to the “bull dog” sister recount the night the family found her brother slumped in his chair after the stroke. The doctors also told the patient and his family that he’d not be discharged home but to a rehab facility – not the one where the doctors felt he’d get the best care but to one his insurance company and coverage would allow. The only question his family asked about that was if it was a longer distance from his house.
Soon, it was evening. It was just a few short hours later, and all the activity stopped. The patient’s family left. No more doctors. His food tray sat on his bedside table untouched until another aide came in. She asked him, “Why are you not eating?” There was silence. She stirred his mashed potatoes. She opened his juice carton. She told him he’d have to eat to get better. And she left.
My heart was about to break. I thought of what this man had already been through – months of headaches and a medical system so disjointed he was being tested stem to stern with no relief in sight, then a stroke (while alone in his home), waking to his brain and his body malfunctioning and wearing a diaper, listening to his family bicker and banter about details of his life going forward, hearing his doctors say he is going to a facility not because it is the best but because the insurance company says so, and finally having people wonder why he doesn’t feel like eating?
I did not know this man. I did not know his family. My husband’s course was much different – in part because of different physical issues and scenario, in part because he is lucky enough to have Medicare as his primary coverage and not a for-profit private insurance company, and in part because I live and breathe these issues in my working life. But still I was hurting for this man and for the thousands of patients across this country who are in the same leaking boat.
If any one of us thinks we’ll know exactly where we will be and with whom when illness or injury strikes us, we are delusional. It is enough to deal with the health event itself without all the other indignities. Unless each of us would like to be in this man’s situation, we have to address the systemic issues that force this inhumanity. Ask yourself, how hungry would you be? Would the mashed potato or the banana or anything else in the mechanized, soft diet seem important (that is really what they call it)? And 10 days ago, life was pretty normal for him.
We have to fight. We have to change this. So long as we start out by viewing patients as profits, all other issues will flow from that point. I am convinced of that. When we can view all patients as worthy of one single standard of high quality care then all other issues will flow from that spot too. Family dynamics are what they are. But even in those relationships, if the patient’s well being was valued above all else, the bull dogs might be less inclined to bite.
Support Medicare for everyone – not slicing and dicing Medicare. Because tomorrow or next week or a month from now, you could be the one lying in that hospital bed, in a diaper, waiting for others to decide everything for you. It would be better, in my view, if we protected ourselves beforehand.
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38 Comments so far
Show AllDonna is an inspiration to all of us older then 60. She is always right on the $$ with her analysis of the situation. She knows what a heartless evil system our whole medical care nightmare has become. It has enriched a tiny minority who never want it to change and at bottom see people only as statistics. This group has enormous power and sway in DC and they will get their way because they will BUY it daily. The problem is our political class is now openly corrupt and also cares little about the rest of us. Its a marriage made in hell for the rest of us.
Welcome to America. This is what our nation really is. They only care about the wealthy; the rest of us are ants to them. At least in Vermont, where I live, we have it a little different and have enacted the nation's first health care bill where health care is recognized as a public good and a human right.
I have wondered about this as well. I currently have Medical Insurance thru my employer which happens to be the State I work for. Im single and no children, nver married. I have often thought of keeping a cyanide pill just in case things get bad and swallow it to avoid what this patient in the article above went thru. I have also looked at moving to Canada. However if you're over 50 you need to have alot of money before they will let you become a resident. Im very active health person who does paddling, x country skiing, cycling, non smoker. Not many options but the first seems to be the best escape for me.
It's a mournful bit of solidarity, gnken1, but as a burned-out state worker who retired early shortly after I qualified for a reduced pension and medical benefits, I too wished I had a "cyanide pill" as I read Donna's vividly expressed heart-wrenching tale.
Hell, I just got back from a brief "vacation" down the shore with an older brother who plucked my last nerve by controlling and manipulating me every step of the way. I went in the first place against my better judgement because I hoped that now that both of us were practically "senior citizens", he'd be less domineering.
I was ready to slit my wrists by the end of the weekend, even though I had my health and knew I'd regain my freedom shortly.
I have been gratified and impressed by the TLC demonstrated by hospital staff during routine doctor visits and out-patient procedures. But the thought of being indefinitely or "permanently" subjected to the tender mercies of impersonal staffers or well-meaning but difficult relatives makes me think of taking a crash course with the Hemlock Society.
I am betting the "bulldog" and the hospital staff guided him in signing a DNR as soon as was legally possible. Of course they were only concerned with his dignity and quality of life.
I feel for this man's plight. I've witnessed similar with my own family many times.
I guess that I should rejoice because my family had the common decency to drop dead twenty years ago. Cigarettes and alcohol work wonders that way. They were all psychopathic John Birchers anyway, so I really did not miss them. My relief in finding their names in the Social Security Death Register cannot be overstated. No circling vultures around my deathbed, thank you. After witnessing “loving” families engaging in this shameful behavior over and over, I am much less lonely. Most people hate their families secretly. You would do yourself a favor if you came out of this scary closet. Just tell them to f**k off and die. Get a nice dog or cat. If you really miss your family, get a psychotic pet that bites you unless it is anesthetized. Black widow spiders are cheap, eat very little, and never make any noise. They are also much cuter than most peoples’ families, especially viewed REALLY CLOSELY.
Donna, I've seen this story again and again.
When my father became ill and hospitalized, the lack of dignity was his last straw. As soon as he was discharged, he took his own life. He told me clearly he would not subject himself to that environment again.
I've been with you (physically and figuratively) with single-payer and saving Medicare, but not at all sure where to begin to correct the abuses this poor man suffered.
As always, I admire and cherish you.
With any luck, I wouldn't survive the initial incident. I have a living will, and my cyclist Road ID tag says "Do Not Resuscitate," in case I hit the deck or get hit whilst riding.
At this point my biggest worry is that they won't see or not pay attention to the DNR, due to some silly morality of their own.
Everyone can't be saved, or wants to be!
Afrer my incident 10yrs ago and the inability of the medical system to give me anything but barely managed pain, to live with, maybe a Tatto somethinf like "DNR = Got To Hell with your snake oils and rattles!" lol >^^<
If You Had A Stroke Tomorrow: What’s Your Situation?
I agree with smipypr. With any luck I wouldn't survive the initial incident. If I survive that, then I hope I have enough strength left on the unaffected side to pick up and use my 9mm Glock to finish the job.
There's nothing in the world so degrading or unwholesome that someone's greed cannot make still worse.
Donna, the problem it seems to me, is that those of us with empathy, compassion or G~d help us, experience are already there with you. The rest are devoid of these characteristics as well as an imagination which would be the only prompt to get them to act self-interestedly in a way that conforms with the reality we here know. G~d bless you and your husband during the recovery ahead and thank you Donna for all you do for universal single payer health care.
NET: I agree with everything you said.
Lots of hospital workers are so regimented into satisfying routines that involve too many patients, that they can appear rude. I remember when my Step-mother leaned over the table having been hit by a similar stroke, and the hospital she was rushed to on Long Island had orderlies coming through at late hours emptying METAL trash cans. They'd bang around making it even harder for people experiencing pain and/or discomfort to escape into a few humane hours of sleep and dreams. (Note that sleep deprivation is one of the favored practices of torturers.)
The food served in most hospitals is on a par with school lunch programs. Hospital costs no doubt factor into the selection; plus very few doctors study nutrition or understand the health effects of altered diet. Sure, these types of modifications don't work for everyone, as some persons have inherited weaker constitutions, or their previous behaviors have left too much damage (in the form of scar tissue). Still, when I read the side effects of most medicines, I am grateful that thus far, I deal with just aspirin (along with herbs & vitamins) in my medicine cabinet.
In this part of Florida, signs are posted on roadways that specify "Zero Tolerance" for drugs, and I think to myself, IF ONLY they counted that with respect to all of big pharma's cocktails waiting inside peoples' medicine cabinets.
Some years ago I caught a copy of AARP magazine at a friend's house, and the lead article stated that the average senior citizen consumed SEVEN drugs, at least some prescribed to "correct" the side effects of the others! And slim to no research is ever done on all of the possible combinations of these "wonders."
AARP=American Association for Republican Politics or "Reactionary Politics." Same thing.
Donna are you involved in the effort to get SB-810 through the California legislature? I think that is this year's name of the California OneCare, the statewide single payer plan that has passed the legislature in the past when we had a Republican governor who vetoed it. It is sad that Governor Brown has not come out in support of this law.
I agree that money and health care do not mix. Medicine is a human right, and should not be fee for service or profit oriented. My fear is that decisions are made that increase the number of "services" "provided" because it increases the monetary profit of the provider.
You are so, so right. THE SITUATION YOU DESCRIBE COULD HAPPEN TO ANYONE UNDER 65. I am 60, had breast cancer two years ago and a seizure (unrelated) last year and was pushed out of my job after cancer treatment. I had three years of COBRA after divorce but it is running out October 2011. I will be able to get who knows what kind of coverage through Maryland high risk plan for over $1,000 per month for just me.
Plus, my 28 year old daughter just got rejected from Blue Cross because she takes anti-depressants - her only health issue. They told her to go to Md. high risk plan, too.
My parents have Medicare and a secondary insurance (which people can get IF they have Medicare). Taking them to the doctor, hospital, nursing home or getting in home care is ALL COVERED. It's amazing to walk into places with them and show their cards. I really feel discriminated against - we all should if we are under 65!
The new health insurance in 2014 may be better, but how could they put it off for so many years? I was talking with a man from Germany recently and he thinks we are all crazy here for what we are dealing with regarding to health insurance.
I don't know what we can do.
A German acquaintance once remarked to me after he'd found out how much it costs to get a college education in the US: "What a third world country, where you have to be rich to go to university." The same could be said for our health care system: it's only fully available if you've got lots of money. And just like with health care, there are countries much poorer than the US that have universal or almost universal health care and education. It is strange that we don't seem to know what to do about it. I know what people in some other countries do about unjust situations like this, but Americans don't seem willing to do much about it; they feel trapped by their situations.
In my area, if you have a serious health crisis, you are likely to be left alone to die. Eventually someone will come and remove the body and have it immediately cremated. I tried for a few years to organize a small group with compassion to assist those without family. I called the group THE CELESTINE PROJECT. No one seemed interested. There is now no group. Seems to be a severe shortage of compassionate people. (Celestine was the name of a friend who died alone. Read my article titled A DEATH ON VALENTINE STREET.)
There is great need for people with compassion. I volunteered at a nursing home, because the residents there who could not feed themselves often went hungry.
To make matters worse, Hospice has been telling the old folks that they should not be using up the medical resources that the young people need. Hospice wants
customers. It is their requirement that the patient forgo real medical care to 'qualify' for Hospice.
Society has become so very strange with its embrace of the death cult as a group and the fear of death as an individual.
Health care in Canada does not cover housing or things like old folks home and many of those run on a for profit.
I found it so very odd that the cost per month per patient tends to be the same as what a typical senior receives in Old age security and under the Canada Pension plan. In essence the pensions just go to the Care provider and as long as that person kept alive the Home makes money.
I always thought when it my time to go , I would walk out into the dead of winter and go to sleep in some forest. The thing is when I DO reach that age...would I do that or would I somehow want to keep hanging on as I was spoon fed my meals.?
Many European nations move towards "death with dignity" and I think that while our physical life spans might increase our "minds" are just not constructed to cope with. An Ennui sets in.
I once tried writing a short story many years back about some immortal being that set a curse upon a family unless one of them could bring a "Gift of Mortal men which would be his hearts desire" The 7 brothers all bring "Gifts of Mortal men" but none of them are the beings "hearts desire" . He has lived so long. He has seen it all before.
The last Brother brings the being mortality and the curse is lifted.
Sounds like a very interesting story, GW North.
When I was a child and my parents took us all to see Grand Canyon, I made an off the cuff comment to the effect that rather than grow old, paralyzed with one painful ailment after another, I might just JUMP in. My parents were shocked at such a statement. I think the walk off into the woods is more gentle and poetic... of course with the low-grade levels of radiation most of us are now unwittingly/unwillingly absorbing, our intended life spans are apt to shorten. No need to jump in or walk off into the cold woods...
Raven: If your post was directed at me, certainly those are positive things. I would agree about personal responsibility for health were it not for a few things. First, what of the toxic exposures none of us necessarily volunteer for, yet they arrive on our plates, in our air, and stream through our waterways? What of accidents where you really do need someone a little more skilled than the local tailor to patch up your wounds? And then there's the genetic item. Two generations from now, if mankind makes it to that point, a lot of children will be born with genetic maladies as a result of all the GM pesticide ingestion, the DU splattered all over the world, and the "new Hiroshima's" gift that keeps on giving.
I've been to Oaxaca. Mexico has a good deal of beautiful countryside. My favorite was Mazatlan, and the ruins at Merida.
In addition to all of these horror stories, the mainstream media (especially FOX) continue to bad mouth universal health care systems such as the one in Canada. Unfortunately most Americans buy into this crap and only a handful of Americans have even heard of Donna Smith. I believe a new party based on one, single issue, universal single payer healthcare, could win the federal election even though the MSM would ignore such a party as if their life depended on it. In the meantime millions of Americans will die needlessly and suffer the indignities associated with a for-profit-healthcare system.
As someone with Canadian healthcare, I can hardly imagine the strife that must come with private care. I mean healthcare just isn't even on my radar of things to concern myself with. I am healthy, have never needed major care, or continuous care, but I know many who have. I make fairly serious efforts to be healthy but not out of fear of medical costs. I have never known anyone to claim bankruptcy over medical costs.
The constant fear from that situation is a prime contributor to Americans being alienated from each other. I suspect it's a fairly unnatural position for a human being to be in. No tribe to protect you when times are hard, just a distant conglomeration deciding what treatments and when, and how.
In the meantime, the ones with jobs are workaholics, most of the ones without are probably exposed to record amounts of TV dumbing them down and teaching them to be narcissistic. It get's easier all the time to say someone else's problem is someone else's problem. This could be said of Canada as well, but we lack the intensity of America. Again no healthcare worries, no Qur'an burning in the streets, minimal rabid talking heads. "Shit is real in America," that should be your guy's new slogan.
agreed --- have been thinking about forming just such a thing on the state level ---- difficult to get ballot status but sometimes that's a benefit because it means you have to get out and work each and every time you want to be on the ballot
but at the same time the Green Party already has single-payer as a major issue: wiser to build up that party? not sure
My Dad suffered a stroke. My mother had to pull him up the basement stairs and shoulder him to the car because half his body didn't function. She drove him helter-skelter to the hospital. He was lucky. In Smalltown, Minn., he, a World War II vet, and a 36-year veteran of a blue-collar job that still provided insurance and a pension, also had his wife as lifesaver and rehab artist. Later, I would awake in a hospital bed, as Donna, describes above, and be paralyzed except for my right arm--and I couldn't speak. My wife and my insurance, in 2004 before I lost all insurance when laid off in Jan 2009 by the New York Law Journal (the puppy on a chain of the city bar), covered everything and Burke Rehab was GREAT. However, that likely won't be the case for me in the future. People (read GOP, Christian Right, Reaganites, capitalist pigs) don't understand what suffering is. Read this from a friend's current journal:
“He only has his kids and they’re not very reliable, so I guess I’m the lucky one.” I was sitting with a mom in the GOL (Gift of Life Transplant) House, talking about what brought her here. Her son, suffering from a couple kinds of cancer, is on Day-2, exactly where Pam was a week ago today. He is receiving a stem cell transplant from an unknown, unrelated donor. She is caring for and living with her son. She, widowed and living alone for years, and he, divorced and also used to being alone, even that is quite an adjustment. She seemed lonely, scared and worried; and sounded more like she had been drafted rather than volunteered. Her story and those of many others in the transplant house are daily reminders of all that we have going for us; the depth and breadth of our relationships, the blessing of a loving family and the many other supports that have been ours in abundance. We have not taken a single one of you or anything you have done for granted, I guarantee it. Whether it is a spouse, parent, child, sibling, friend, whomever; being the caregiver is a REALLY BIG DEAL. If you know someone in that role, please, please take a minute today and at the very least pray for them. Better yet, give them a call, talk with them and offer to be there for them. Be prepared to hear things like, “Oh no, I’m just fine and don’t need anything,” or “I don’t want to bother you, you’re already so busy,” and “maybe in a few weeks when (fill in the blanks) happens.” Whatever their excuse(s) are, see if you can go; just to BE WITH her/him, if nothing else. My experience as a caregiver, short or long in duration and intensity (depending on which way I look) has made it pretty clear that as the doctor told me today, “Be careful, she (and we) can’t afford for you to get hurt, we need you!” Jeez, I only went to the driving range yesterday to hit a couple of buckets of balls! Did you know that golfers use a lot of different muscles and twist and turn a lot? It’s true, and after a nine month golf hiatus and eight months of sitting around in a hospital, they ALL are a little sore! Give that person you’re thinking of right now a call. You can be what they need to “keep on keepin’ on.” It’s Day +5, and Pam is still in the hospital. So far (fingers crossed), it looks like she will be coming “home” to the GOL later today. It is her best day post-transplant so far, and it seems they are finding the right medication “cocktails” to deal with the multiple symptoms of the transplant itself, the chemo, radiation and other medications. Her spirits are generally pretty positive; she is a fighter and is determined to, as Nancy says “kick this thing in the butt.” As we pray Psalm 27 each day with all of you, whenever there is a mention of an enemy or adversary, a foe, evildoer or army, we replace it with our “Challenge du Jour,” our “Challenge of the Day.” So today we pray (vs. 3) “Though nausea and staph infection encamp against me, my heart shall not fear; though aches and burning skin arise against me, yet I will be confident.” As in verse 6, we declare in faith, “And now my head shall be lifted up above my enemies ALL around me, and I will offer in his tent sacrifices with shouts of joy; I will sing and make melody to the Lord.” As Davy sang when he was little, “Tate joy my ting, in what do you hear. May it be a weet, weet hound, ih nyour nea.”Translation; Take joy my King, in what you hear, may it be a sweet, sweet, sound, in your ear.
If I am lucky I will die on the spot.
I have spent many a day and night worrying about just this thing. It did no good. Voting did no good. Letters did no good. Passion and appealing to the humanity in politicians did no good. So I quit doing anything.
I am 62, a widow and uninsured with a pre-existing condition that makes me uninsurable even if I could afford the premiums on my widow's pension. So now I live every day being grateful I didn't wake up dead and find peace where I can with my humble life and my garden. That's what people do!! Thousands of us everyday!!
So do not ask me to vote for O and his simpering minions who took single payer "off the table" and made deals with the fat cats at every turn. They have unlimited money for killing but none for healing and they can all go to their special place in Hell along with the profit takers who put money above life.
That's my answer to "What's your situation".
Excellent. You are right about everything. I'm 60 with a pre-existing condition and no job. Maybe I should stop worrying about it too.
Bird:
You said, "They have unlimited money for killing but none for healing.."
That is the crux of it all. I refer to these pro-military priorities at the EXPENSE of all else as "Mars rules." Given the fact the Pentagon budget remains a "sacred" cow, while programs like Head Start and funds for the poor and hungry are cut says it all.
If history survives this warrior epoch, it will look to the wanton waste and destruction, the pitiful lack of concern for human life, and the natural world needed for its support, as THE crime to trump ALL crimes. We do not have leaders or politicians, we have criminals in high places... almost every one of them, covering up the crimes of their fellow accomplices and predecssors. Post-law, post-justice nation, indeed. But they'll put the poor Black kid through "The system," and give him a record to lessen his chances of employment (up the road) in a depressed economy, and increasingly decimated nation. All for what? To pretend to be tough on crime? While the real criminals have taken over the asylum... and made the export of the products of terror their driving motivation.
The finger on the A-bomb, the proximity to absolute power HAS corrupted absolutely.
Exactly.
Good article. Thanks Donna Smith!
"If any one of us thinks we’ll know exactly where we will be and with whom when illness or injury strikes us, we are delusional." So right about this Donna but you should be stating this as a fact. You should be explaining it by noting how brainwashed we as a country really are. It's not just that we haven't quite thought things through or are slightly hung up on a preoccupation as when a mother might say to a teenage daughter, "Get over it. You're delusional." It's more like a collective psychotic break as in, "Mr. Jones do you know what country you are living in? Do you see how many fingers I am holding up in front of you?" Sorry nurse the patient is delusional.
That delusional dysfunction is manifest when I, in a group of employees listen to competing insurers and HMOs discuss their various coverage plans, prices and deductibles. Isn't it great, they tell us, that we have so many choices. Isn't it wonderful that we have competing health insurers who are so conscientiously keeping track of this and applying prudent cost controls to give me the best deal? Don't we feel in control as we make wise and considered choices about these plans? And then in the middle of these serious deliberations I get a headache that won't go away. I feel faint. I'd better lay down. Where am I? Gee how could this be happening to me? Our family has no history of stroke. I hope I'm covered? Wait wait I want to upgrade my insurance plan. Better yet let me get a competing bid from Highmark before I go into the hospital. I want to make the best choices I can. . .
A friend of mine died in intensive care 5 months after a botched heart surgery. I'll never forget the surreal experience of visiting him: the nurses' station in the middle where the nurses sat at their computers like robots while the patients lingered in little rooms around the periphery - with lights flashing, machines beeping and their call lights unanswered.
On another subject, I'm a fairly new member of the elite group who qualify for Medicare. I have A & B with no supplemental. Three months ago I had outpatient surgery on my hand that took about a half an hour and I only needed a local anesthetic.
Yesterday I got the statement - The "Medicare billing" is $32,400, the "Medicare payment" is $1,402, the "Medicare adjustment" is $30,647, and the amount due for me is $351. Had I not had insurance, would I have been responsible for the full $32,400? It all sounds sick to me!
Here is the deal. The actual cost of your surgery was $351, period. The taxpayers threw in another thousand bucks free and clear profit for the doctor. Even that amount is outrageous for a half hour of minor surgery. Come on. That's $700 an hour PLUS another thousand bucks for that half hour of work, for a total effective hourly rate of $2700 per hour for the "insured" !! I don't care what the doctor's education cost, I don't care what his office expenses are. It's $2700 an hour!! There is no way in hell Medicare can survive the OUTRAGEOUS cost of medical care in this country. What huge FRAUD on the part of the providers.
And yes, without insurance, you would have been billed $32,400 !!!! This is beyond outrageous but it happens thousands of times every day in this country. They ask for $64,000 an hour and graciously settle for $2700 an hour. Give 'em a big ol' pat on the back. What generosity!
This is where "insurance" has taken us. A provider used to charge $100. Enter the insurance companies. Now, a patient has insurance that will pay for 80% of a provider's charges. The provider simply increases his fee to $500 and collects $425 for a formerly $100 service. Insurance and/or Medicare pays 80% of the $500 and the "health care consumer" (how I HATE that word, consumer) pays a "co-pay" of $25. Before he was insured he paid $100. Now he has insurance that costs $12000 a year. If he's lucky his employer picks up most of that and the individual pays $400 a month. So, if the only medical service he "consumes" in one year is that half-hour of minor surgery that cost him $100 prior to the inception of the insurance scam, he pays $4825 for that formerly $100 surgery. Insurance itself is the largest contributor, thanks to the unmitigated greed and avarice of all parties involved, to really MASSIVE health care inflation. What a fraud. What a giant scam.
INSURANCE OF ALL TYPES IS NOTHING MORE THAN LEGAL EXTORTION.
(Yes, some of the above is a bit garbled but you get the main idea, and I don't at the moment feel like revising my first draft.)
Thanks, dkshaw, for that explanation. It didn't sound garbled to me. What's garbled is the promotional material from the insurance industry which makes my eyes blur and stomach churn.