Recently, one of our friends from the dog park had an attack of colitis and ended up in the hospital for a week. The cost for just room and board at the hospital for 7 days? Are you sitting down? $52,000. Think about that for a moment, let it sink in.
If the conversion chart I used is correct, that’s more than 33,000 pounds. Or nearly 40,000 Euros, nearly 51,000 Australian dollars, more than 53,000 Canadian dollars. Regardless of the currency equivalent, it’s a lot of money for just room and board. In other words, it doesn’t include lab tests, scans, doctors’ fees and all the rest of it.
No surprise, then, that most bankruptcies in this country are due to medical care bills. Fortunately, this woman has great health insurance that probably costs her and her husband an arm and a leg each month. Her part of the bill was under a thousand bucks.
Suppose she had been uninsured? Well, the law stipulates that anyone can be treated in the emergency room of a hospital whether or not they have the ability to pay. In 1999, when Rob leaped off his windsurfer onto a beach and landed on a broken beer bottle, the treatment in ER- without any kind of surgery, just drugs for infection and stitches by a podiatrist – cost more than two grand. We didn’t have health insurance and paid it off at a hundred bucks a month.
In 2007, when Megan broke her ankle, the treatment for a cast and a couple of follow-up treatments – no surgery- was over two grand. We paid it off in installments. In 1989 when Megan was born, we had catastrophic health insurance. I discovered it didn’t cover anything related to maternity. The price for two nights in a hospital to have a baby, without complications of any kind (except a long labor): more than $8,000 – and I hate to think of what it would cost more than two decades later.
If you are a self-employed individual in the U.S., in your forties or fifties, your health insurance – depending on your deductible and the details – will cost you more than $12,000 a year. And you’ll still have to pay some of the fees. If you are 65 years old or older, then Medicare kicks in and pays 80% of most bills after a small deductible is met. You pay around $100 a month or about $1,200 a year. But not every doctor – or even every state – will take patients on Medicare. If you make less than $25,000 a year (I think that’s the cutoff now), then you qualify for Medicaid, the health insurance program for the poor. And that’s basically it. Those are your options.If you don’t fit somewhere in those categories, then you are an outlier, a mutant.
After our daughter was born, we dropped our catastrophic health insurance. Had we kept it, we would have paid out nearly a quarter of a million dollars in the last 20 years. And we wouldn’t have been able to send our daughter to college, travel, buy new computers when we needed them, and might not have been able to get a mortgage on a home or own two cars.
And yet, if you’re a member of Congress who serves even just one term, you qualify for premium health care for life. You make about $175,000 a year and are, of course, privy to many perks – like lobbying money from special interest groups. If you weren’t rich when you entered Congress, you probably are rich when you leave.
Since parts of Obama Care were implemented – with the full program going into effect in 2014 – I’ve noticed that doctors are more willing to give you discounts for office visits when you’re private pay. Large operations like the Cleveland Clinic – which has offices all over South Florida – are willing to work with you on the cost and payments. By 2014, all Americans will be required to buy health insurance – or pay a penalty. Those who are against the program say it won’t change anything, that emergency room freeloaders and illegal immigrants will still be raising the cost for people with insurance.
But the problem with health care in America isn’t freeloaders or immigrants. It’s greed. Until profit is removed from health care, until private health insurance is eliminated from the equation, until the government extends Medicare to all, this system will remain profoundly flawed. Bankruptcies from medical care will continue to proliferate, people will continue to suffer through unbearable pain, and others will simply die. Aren’t we, as a country, as a human collective, better than that? I mean, really. We profess to be a christian nation, yet so much of what we do and don’t do is the antithesis of care for your sick, your wounded, your elderly, and disabled. Care for those who can’t care for themselves.
Some years back, my sister – a nurse – applied to work for an insurance company. Her job would be to look for anything in a patient’s medical history that would be grounds for dismissal in a claim. She didn’t take the job because she didn’t think she could live with herself. Many more years back, I was a social worker who approved or disproved – people who applied for Medicaid, food stamps, help. I lasted less than a year at that job and here’s why it ended: a married couple ended up in my office, seeking medical and financial help. They weren’t Medicare eligible yet. He had heart problems, she was a diabetic, they earned next to nothing. But the social welfare rules at the time stated that because they were married, without children living at home, I had to deny them.
In this country, if you want great health care, then run for federal political office – or go to prison. Yes, health care in prison is free.

















