Tell Me Again Why I Have Health Insurance?

blue floridaThis is a good illustration of one reason why health insurance is so screwed up.

Ok, I don’t need a string of comments telling me the obvious, WHAT IF? CATASTROPHE Stuck and I had some serious medical  bills.

But this goes along with one reason why I went for some 15+ years without paying for health insurance.  Youth and health on my side coupled with healthy lifestyle choices kept me out of the doctors offices and hospitals for all those years.

Like I pointed out in a previous post, it should be called Disease Management and Potential Catastophe Insurance and not Health Insurance.  The lifestyle choices I make are more aptly named insurance than any silly policy I can pay for.

Now here’s my rant.

I received my year in review report from blue cross today and i had a total of $1700 in bills for health care for 2009

BCBS only paid $500 and I had to pay $250 out of pocket. This doesn’t include the $2600 I paid in premiums.

So, if I could convince the labs and doctors to let me pay the same negotiated amounts that they get if it went thru insurance then I would have only been out $750 dollars last year.

And even if I had to pay the full amount, I would’ve paid $1700

Instead, because I have health insurance, I had to pay out of pocket, $2850. . .

or about $1150 more than if I had none even possibly $2100 in savings if I could pay only what they get from insurance/co-pay.

Tell me again WHY I have health insurance????

I am going to look into catastrophic health insurance as an alternative and switch to that if it is cost effective.

Health Care or Disease Management?


dingdongYo, Step away from the Ding-Dong!

According to the Centers for Disease Control and Prevention, three-fourths of health care spending now goes to treat “preventable chronic diseases.”  Not all of these diseases are linked to diet — there’s smoking, for instance — but many of them are.

We spend $147 billion to treat obesity, $116 billion to treat diabetes, and hundreds of billions more treating cardiovascular disease and the many types of cancer that have been linked to the so-called Western diet.

Cheap food is going to be popular as long as the social and environmental costs of that food are charged to the future. There’s gobs of money to be made selling fast food and then treating the diseases that fast food causes. One of the leading products of the American food industry has become patients for the American health care industry.

Take for example the market for prescription drugs and medical devices to manage Type 2 diabetes, which the Centers for Disease Control estimates will afflict one in three Americans born after 2000.

So you might be thinking, what about the insurance companies? Where’s the incentive for them to encourage prevention over disease management?

As for the insurers, you would think preventing chronic diseases would be good business, but, at least under the current rules, it’s much better business simply to keep patients at risk for chronic disease out of your pool of customers, whether through lifetime caps on coverage or rules against pre-existing conditions or by figuring out ways to toss patients overboard when they become ill.

Maybe if they made it so you can’t deny pre-existing conditions for new customers and not charge exorbitantly higher fees, then the insurance companies might be enthusiastic fans of healthy lifestyle choices.


The status quo is slow to change and to entertain the idea of expulsion of those currently running the show is a bit ridiculous and likely to cause too much mayhem and chaos in the process.

True education and the desire to own and rediscover each of our divine personal power and use our waning ability to think and question for ourselves is a much more long term solution to this epidemic.

The secret to saving the world (assuming that it even needs to be saved)  is to start with yourself first and don’t worry about what the other person next to you is doing.  Get your own house in order. If these words are heeded by a majority, then we’ll be in pretty good shape.

and Hey! Put that Twinkie down!