I worked in the health insurance industry from 1982 to 1989, with one regrettable relapse. My first job was with an HMO. I actually believed if we provided more preventive services and made care affordable, the health of all Americans would improve.
Those were innocent days, before doctors’ practices were owned by venture capitalists, before medicine became Big Pharma, before insurance companies went rogue. Before all of the other non- and for-profit schemes designed to wring as much money out of patients as possible. And, before our trust in our government to work for the people instead of for lobbyists, the medical-industrial complex, and corporations became the modus operandi.
Every year 530,000 American families file for bankruptcy due to medical bills.
66% of all medical debt in the US comes from one-time medical issues.
I remember back then seeing my first reader board announcing a Spaghetti Dinner for a community member with cancer. Now there’s Go-Fund Me, suggested by health insurance companies when they deny coverage and services. More than two-thirds of American patients can’t afford to pay for health treatment. Only the very rich aren’t concerned. This percentage isn’t expected to drop in the years ahead unless there’s a drastic change in the US healthcare system, i.e., the political will at the top or a rebellion from the ground up.
Catch-22 – The Healthcare Version
I recently reread Joseph Heller’s 1961 novel Catch-22. The title has been adopted into general usage to describe an illogical situation, or a problem in which the solution is denied by the problem itself. How does Catch-22 apply to our broken healthcare system? I’ll let Heller’s war paradox stand for our healthcare paradox—we need universal coverage desperately but can’t have it. But take a look at this amazing list of countries who do. Spoiler alert: we’re not on it:
We’re told what we have is getting better, it must be uniquely American and the big lie—we can’t afford it. Here are two of the many examples of where our money goes:
- In 2020, David S. Wichmann, former CEO of UnitedHealth Group (UHG), received over $42 million in salary and incentive compensation. At least 4 other UHG execs made from $8 – $32 million as well.
- Cigna’s CEO David Cordani earned $19.9 million, including a $1.5 million salary and $11.1 million in stock awards plus $3.5 million in option awards.
It gets better! Yesterday, while researching grants for a rural nonprofit, I found this bit of hypocrisy. “The Cigna Foundation is committed to eliminating health disparities and improving health and well-being for all, addressing the root causes of health inequity.”
What Would It Take?
It feels to me like a classic David vs. Goliath situation. Only these Goliaths have seized all of the power and if we the patients and citizens want change, we will have to become David. It’s up to us to bring about healthcare coverage for everyone. I wonder if these ideas might start the universal healthcare coverage ball rolling.
- Matt Taibbi’s recent TK post on https://taibbi.substack.com/ suggested a third political party. “We now know that Democratic politicians will occasionally talk about shifting resources from defense to social programming, while Republicans will occasionally flirt with isolationist themes, but in the end, both parties always take the money.”
- What if “we the people” started a campaign to encourage companies and pension funds to withhold investing in—or better yet—divest from the medical-industrial complex. Radical—but why not?
- What if we took the money out of politics? First and foremost—no buying elections with corporate cash or PACs. Then, lobbyists don’t get to write the legislation and lawmakers actually have to read it before it’s passed.
- Why can’t we become lobbyists and not wait for some congressional committee to pacify us with a hearing that goes nowhere?
- What if we started at the local level and brought everyone into the movement? Veterans, seniors, millennials, those in debt, nurses and doctors, public and mental health workers, parents, and those completely underserved and/or without any viable access to care?
- What if we designed the program, including representatives from all the groups above and more? And reshaped medical school curriculum as well?
- What if, like Costa Rica, we combined medical care and public health into one entity?
What do we have to lose? We’re at the bottom of every health measure and spend more than any other country. What are we willing to do to bring the US healthcare delivery system into the 21st century? What are your ideas?
“We need a revolution every 20 years just to keep government honest.”
Photo credits: Cover photo – Bermix Studios, Piles of money – Alexander Schimmeck, Thomas Jefferson – Alicia-Rizuri
I just saw the comment in email that “if you’ve ever eaten “Balogney,” why do you wonder about the ingredients in Covid shots?” We ate a lot of baloney I was a kid but I never knew what was in it until I looked it up today. Ugh. But I don’t worry about the ingredients in Pfizer (the shots we got) or the others since hundreds of millions have had them and stayed healthy. But the baloney I ate may have helped make me the weirdo I became.
Just in time for this blog post here comes an item in the news: A woman was charged for crying during surgery – $11.00 charge under CPT Code #96127 – Brief Emotion. An “upcoding” strategy to “increase revenue” according the the CPT Code that docs & hospitals can use. You cry twice – once in surgery and then when you get the bill!
Barb, the contrast between the clarity of your writing and the depravity of our health care fiasco is stunning.
Thanks, Pete. I only wish our elected officials and government employees who have great (or at least much better than the rest of us) health insurance could experience the depravity. Then we might see the political will to do something – so long overdue
Barb, you are brilliant. When we UUs studied this issue a couple years ago with you, I learned so much. As a retired “Fed”, I was shocked to learn that I had a health care plan just like ALL other “Feds” (including Congressmen and Senators) BUT it was wayyyyy better than anyone else in our group even came close to having. What a shock! Thanks for trying to fix this disgusting situation.
Thanks, Donna. I only wish I could do more. Takes a country (more than a village) to bring a human right to the people – like all of those countries on the list – save ours.