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Showing posts with label health care. Show all posts
Showing posts with label health care. Show all posts

Thursday, December 30, 2010

More People To Be Denied Health Care. Why Europeans Enjoy A Better Quality of Life Than Americans

Germany Looks At Our 50M Uninsured And Thinks Our Country Is Insane | Crooks and Liars
The Philadelphia Unemployment Project demonstrating to save AdultBasic, the State of Pennsylvania insurance program to cover the unemployed. The Blues have refused to extend the contract.







Why did the insurance industry try so hard to destroy the credibility of Michael Moore's "Sicko"? Because once Americans saw what other countries had, they would begin to see what was possible -- and that would be bad for health insurers.
I'm pretty sure Americans would feel the same way if they saw the kind of safety net available to citizens in other countries -- Germany, for instance. Via Democrats Ramshield, an American expat, writing for Alternet:
The European Union has a larger economy and more people than America does. Though it spends less -- right around 9 percent of GNP on medical, whereas we in the U.S. spend close to between 15 to 16 percent of GNP on medical -- the EU pretty much insures 100 percent of its population.
The U.S. has 59 million people medically uninsured; 132 million without dental insurance; 60 million without paid sick leave; 40 million on food stamps. Everybody in the European Union has cradle-to-grave access to universal medical and a dental plan by law. The law also requires paid sick leave; paid annual leave; paid maternity leave. When you realize all of that, it becomes easy to understand why many Europeans think America has gone insane.
Der Spiegel has run an interesting feature called "A Superpower in Decline," which attempts to explain to a German audience such odd phenomena as the rise of the Tea Party, without the hedging or attempts at "balance" found in mainstream U.S. media.
[...] The piece continues with the sobering assessment that America’s actual unemployment rate isn’t really 10 percent, but close to 20 percent when we factor in the number of people who have stopped looking for work.
Some social scientists think that making sure large-scale crime or fascism never takes root in Europe again requires a taxpayer investment in a strong social safety net. Can we learn from Europe? Isn't it better to invest in a social safety net than in a large criminal justice system? (In America over 2 million people are incarcerated.)
Unlike here, in Germany jobless benefits never run out. Not only that -- as part of their social safety net, all job seekers continue to be medically insured, as are their families.
In the German jobless benefit system, when "jobless benefit 1" runs out, "jobless benefit 2," also known as HartzIV, kicks in. That one never gets cut off. The jobless also have contributions made for their pensions. They receive other types of insurance coverage from the state. As you can imagine, the estimated 2 million unemployed Americans who almost had no benefits this Christmas seems a particular horror show to Europeans, made worse by the fact that the U.S. government does not provide any medical insurance to American unemployment recipients. Europeans routinely recoil at that in disbelief and disgust.
[...] It's important to note that no country in the European Union uses food stamps in order to humiliate its disadvantaged citizens in the grocery checkout line. Even worse is the fact that even the humbling food stamp allotment may not provide enough food for America’s jobless families. So it is on a reoccurring basis that some of these families report eating out of garbage cans to the European media.
For Pam Brown, last winter was the worst. One day she ran out of food completely and had to go through trash cans. She fell into a deep depression ... For many, like Brown, the downfall is a Kafkaesque odyssey, a humiliation hard to comprehend. Help is not in sight: their government and their society have abandoned them.
Pam Brown and her children were disturbingly, indeed incomprehensibly, allowed to fall straight to the bottom. The richest country in the world becomes morally bankrupt when someone like Pam Brown and her children have to pick through trash to eat, abandoned with a callous disregard by the American government. People like Brown have found themselves dispossessed due to the robber baron actions of the Wall Street elite.
I deal with this lack of insurance all the time, and it's pretty depressing. But I'm one of the lucky ones. I now go to a federally-funded city health center (where I wonder if the guy hacking next to me has tuberculosis -- or just the flu) -- where they offer some services, but not others. If I have a heart attack or need surgery, well, I'm probably out of luck. So excuse me if I'm not absolutely thrilled that I'll be offered bare-bones Medicaid coverage (something many providers won't accept) a few years in the distant future:
As the Great Recession has sown unemployment and downgraded work even for those people who have held on to their jobs, the number of Americans lacking healthcare has swelled beyond 50 million, according to a sobering new report from the Kaiser Foundation.
Among the report's most troubling findings: The number of Americans without any health care coverage grew by more than four million in 2009. That left almost one-fifth of non-elderly people uninsured. Among those between 19 and 29 years old, nearly one-third lacked coverage.
The study underscores the degree to which the recession has accelerated the loss of basic elements once viewed as inextricable pieces of a middle class life. The number of Americans lacking medical coverage now exceeds the population of Spain.
Nearly all Americans over 65 are insured by Medicare, the government-run health care plan, but those beneath that age are increasingly vulnerable to losing health care once provided by their employers or finding themselves unable to afford private coverage, according to the report, "The Uninsured: A Primer."
As those lacking health insurance grow in number, so do those missing out on necessary medical attention. About one-in-four uninsured adults have forgone care in the past year because of costs, compared to only 4 percent of those who have private coverage, according to the report.
This isn't a matter of who's in the White House. Our entire system is persistently slanted in favor of the rich and powerful, and it's getting worse by the day.


Wednesday, February 10, 2010

When healthcare coverage is insurance in name only

When Rep.John Boehner, R-Ohio, Rep. Eric Cantor, R-V, Sen. Mitch McConnell, R-Kentucky, continue to puke out phrases like: 'The American People don't want a 'Government Take Over of Health Care' I have to wonder if any of them have ever actually spoke to   American People like The L'Esperances ? I doubt it. They are NOT working for The American People, They are doing the bidding of their Corporate Overlords....much like Renfield, the insect-eating slave who mindlessly did the bidding of Count Dracula. I use that metaphor because that's the mental picture I get every time I see them on TV.....but that's just me....You Decide.
Patty


When healthcare coverage is insurance in name only

by David Lazarus

February 8, 2010

The L'Esperances are your typical American family. They work hard. They try to get ahead. They don't ask anyone for help.

And they pray they don't get sick.

Mom and Dad -- a.k.a. Laguna Beach residents Jan and Paul L'Esperance -- sell kitchenware on behalf of various manufacturers. They've just been informed by Anthem Blue Cross that premiums for their health insurance will rise 18% to $985 a month.

That might sound almost reasonable until you understand that Paul, 63, and Jan, 61, each have a $5,000 deductible, meaning that they're on the hook for all healthcare expenses except under the most catastrophic circumstances.

Their daughter, Morgan, 27, lives in San Francisco. She has no health insurance at all. The restaurant where she works doesn't offer coverage. And because of a history of breathing problems, she's unwelcome in the individual insurance market.

They're all healthy enough these days -- no serious medical problems to speak of. But each lives in fear of "what if."

What if I become seriously ill? What if I get into an accident? What if I'm hurt?

"It's scary," Paul told me after receiving word the other day of Anthem's latest rate hike -- a double-digit increase that the insurer is inflicting on numerous individual policyholders. The state Department of Insurance is investigating the jump in premiums.

"I don't know where to turn," L'Esperance said. "Who am I -- just a little cog in the wheel. I'm just your average guy."

That's the scariest thing about the L'Esperances' situation: They are average. Each of us is dealing with ever-increasing insurance costs and ever-dwindling coverage.

Americans spent 5.7% more on healthcare last year than the year before, according to government figures. Healthcare spending now accounts for a record 17.3% of the U.S. economy.

And efforts to reform the healthcare system -- well, I don't have to tell you. It's not looking good.

"What this family is dealing with are not extraordinary circumstances," said Ron Pollack, executive director of Families USA, a healthcare advocacy group. "And what's really unfortunate is that many people don't seem to be aware that the reform proposals would remedy all these problems."

An Anthem spokesman, Jerry Slowey, declined to say how many customers have been hit with rate increases in recent weeks or the average size of the hikes.

He said only that the company "must adjust our rates as needed to cover the costs and risks associated with providing quality healthcare for all of our individual members."

The L'Esperances have been covered by Anthem for about a dozen years. At first they had a $1,000 deductible on their policy, but they had to raise it to keep their monthly premium at a manageable level.

They were paying about $1,250 monthly last year with a $2,500 deductible each. Then Anthem said their premium would rise to almost $1,400.

To deal with that, Paul said he and Jan raised their deductible yet again to $5,000 in return for an $834 monthly premium.

Now that amount's going up to nearly $1,000 -- almost as much as they'd been paying with a deductible half as big. That's a whole lot of kitchenware.

You can see how this will keep going: Premiums and deductibles steadily climbing until their health coverage is insurance in name only. In reality, it's useless.

"But we have to pay," Paul said. "Just in case something terrible happens."

He and Jan are hoping they can stay well for a few more years, until Medicare kicks in. As for their daughter, she's resigned to a life without healthcare.

"None of my friends have insurance," Morgan said. "I try not to ever go to the doctor because I can't afford it. I should probably go to the dentist at some point, but I can't afford that either."

Your typical American family.

Their name, by the way, means "hope."

http://www.latimes.com/business/la-fi-lazarus8-2010feb08,0,4946175.column

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