Thursday, March 18, 2010

Health Care - The Future

When my mother started out as a Licensed Practical Nurse in 1960, she was paid $7.50 a day, for an 8-hour shift. When I began working as an L.P.N. in 1966, I made $9.50. In January 1967, the Minimum Wage took effect and my hourly wage was dramatically raised to $13.75, which may have included $.75 for working evenings or nights. By the time I began practice as a registered nurse in 1983, I was making about $14 AN HOUR.

Wages are not the only thing that evolved during the last half century.

As a young nurse in the 1960s, I was particularly sympathetic to the elderly. Surgery on a senior was very high-risk, not to mention costly, and was, therefore, discouraged and not often done. The cost-benefit analysis was not necessarily stated but, in general, it seemed to me that if the patient was about seventy or older, he/she was viewed as one who had lived a long life -- long enough.

When I was nineteen, I wrote about my perceptions of the treatment of the elderly in this country. Based on my own experiences, although the care was still very much patient-centered, I thought the elderly were the very lowest priority for doctors.

At that time, I didn't know anything about the business end of health care. But now I know that in 1965, when Medicare began, less than 50% of the elderly had health insurance. Unless the person had money, or found a charitable doctor or hospital, they didn't have many options. The same for the poor.

But as a result of the Medicare and Medicaid programs, the old and the poor became valuable commodities. These government programs, as well as the phenomenal advances in medical diagnosis and treatment, greatly enhanced the lives of the old and poor over the last 40+ years. And health insurers, doctors, and pharmaceutical companies are among the entities that have been greatly enriched, as the government reimbursements, particularly for care of the old and poor, have flowed into their coffers.

I don't know enough to understand the nuances in the current system that result in the dramatic daily reports about people not receiving health care, losing their homes, etc. But, in general, health care has been a lucrative industry for decades, and most people have become accustomed to a high standard of care. They may not think it is high, but it is when compared to the pre-Medicaid/Medicare days.

But these advances came at a great cost to most citizens, and brought us to the place we're at now.

And the place we're at now is not a good place because, despite the high taxes we pay, the government programs are in financial trouble, and insurance policy premiums continue to rise. Something had to be done... but what is the best approach to providing quality, affordable health care to everyone?

I don't know.

In my own practice, I witnessed the health care focus shift from PATIENT to PROFITS. When my place of employment changed from a general hospital to a medical center in the early 1980s, it became a big corporation, with the charitable nuns replaced by business managers. The change was reflected in all aspects of the facility, as every detail of care was weighed in terms of how much money could be made from a patient's pain and suffering - about how the most amount of money could be made by providing the least amount of care.

Medicare and Medicaid, mismanaged and under-regulated, got way out of control!

For many years, I have believed that far too many unnecessary surgeries are performed, and too many drugs prescribed. Many doctors get kick-backs from pharmaceutical companies every time they write a prescription. It's all about taking advantage of the current payment system... Lots of money has been made by lots of people, all at the expense of the taxpayers, to the point that the system is facing bankruptcy.

During the two years I worked in a convent, the nuns, who had good insurance, were very easy prey to doctors who saw the gold mine inherent in such a community. Surgeries for carpal tunnel syndrome, cataracts, and joint replacements were among the elective procedures performed on a high percentage of the sisters. And a podiatrist found reasons for nearly all of them to see him regularly and have good foot health by ordering his custom-made arch supports that cost a few hundred dollars each. At various times, I was appalled that an 85 year old would be given "Shock Treatments" (Electroconvulsive Therapy) or a heart bypass - or numerous dental procedures to save a tooth, rather than extracting it.

But people have become accustomed to the many options available to them, at almost any age, in the health care industry.

We desperately need solutions. And, admittedly, I was more in favor of an incremental approach because I am fiscally conservative and do not think we should do anything to add to the federal deficit.

Regardless of what I think, changes are coming very soon. Politics aside, because of being on the verge of bankruptcy, changes must be made. But whatever changes are made will result in a shock to many people. We will be living on a budget and, in time, the abundance of options that many people have now will disappear. How can it be otherwise?

My own thoughts are that there will be favorable and unfavorable changes and, in the end, not too many people will be completely happy. I think the costs of any new program will probably exceed expectations, and costs will have to be cut, one way or another. That is the part that people will like the least.

I see a health care system in the future as being far better for the rich.... because they will still be able to afford the realm of options they have now. But for average people, I think their choices will be more limited. The elderly will again be a lower priority, as they were before Medicare, and they will qualify for fewer procedures. After all, the elderly are extremely expensive to maintain and they will put a severe strain on the budget.

Cost-containment is going to be the name of the game, and what passes for "cost-containment" now will be unrecognizable in the future. Every patient and procedure will be subject to a cost-benefit analysis.... Will premature babies that often cost hundreds of thousands of dollars - or more - be saved? Will a 65-year old with liver failure be eligible for a transplant?

I guess we'll see because President Obama's health care plan is set to be the law of the land.

[And, since I live in a state that seems to permit a large percentage of the population to inherit the right to qualify for government assistance, I wish the government would dramatically cut welfare progams by actually investigating welfare and Medicaid recipients. Far too many able-bodied people here work at lucrative jobs, such as in construction, get paid big $$ under the table, don't pay taxes, and STILL collect welfare. - This goes on generation after generation..... to the point that it is so widespread that there are not enough investigators to scratch the surface of the problem. When it comes to the statistics, these people are included with the indigent that the goverment has to take care of.... In reality, they are given a free ride on the system, at the expense of taxpayers. It would be a huge savings if these slugs could be eliminated from the system.]

2 Comments:

At March 22, 2010 4:20 PM , Blogger Lori said...

I'm not politically or medically aware enough to know how this will change the big picture. I think you have a lot of great points, and I'm going to ponder them all.

The only way I can see health insurance reform is through my own eyes. My employer can't afford to offer insurance. My husband's work plan is far too expensive, even with his employer's so-called 'contribution,' and adding me would be well beyond our means. I have been uninsured for 5 years. I have applied for affordable policies with reasonable deductibles, and been denied because of my "pre-existing" condition of having had gastric bypass surgery (forget the fact that it's made me much healthier than I was pre-op). The only subsidized plans that will accept me have high premiums (higher than the private policies that denied me) and deductibles so high that they are essentially useless. We'd be bankrupt trying to pay the deductible if I were ever seriously ill.

I'm just hoping that once the dust settles, I'll have an option. I don't expect free health care. I don't expect the world's top doctors and surgeons at my beck and call. But I'd like to be able to be accepted in a policy I can afford, and to be able to go to the doctor if I am ill, get the screening recommended for my age, and receive treatment if I am ever seriously injured or contract a serious disease.

I'm hoping this plan will eventually allow me to achieve that. If not, I'll have to find a way to pay a lot of money for very little coverage, just for some slight protection in the event that I am diagnosed with cancer or am in a serious car accident. Up till now, my options haven't been very good. I hope that will change.

 
At October 21, 2010 9:13 AM , Blogger Randy said...

It is certainly a complex topic, but that is to be expected from an industry that has such a large percentage of the nation's economy. Some really excellent points were made in the article and the comment.

Personally, while I "should" benefit, at least to some extent, from the new law, I didn't really think they should have gone forward with it. With Americans far more worried about the economy, it was the wrong thing to do. Plus, after decades of talk and studies, there was really no plan in place ready to be debated. Once it got farmed out to Congress, that could only lead to the terrible spectacle seen by Americans for a year. I can't say for sure, but Obama's professorial style may have led him to believe that much of the debate over health care would be on the adult level. The reality must have stunned him and his political advisers, as they seemed unable to respond at times to the charges leveled against the proposed changes, and even against the President himself. Not only that, but the intensity of the opposition was just incredible. In the end, the bill was weak, in my opinion, and it will need more than a little tinkering. In the meantime, the President and his party are on the ropes, never having recovered from the health care "debate." As the titanic struggle came to a vote, many who really didn't like the overall bill had virtually no choice but to support it, as a defeat would have so damaged the President, at home and abroad. This is NOT the way to do any kind of legislation, and certainly not something of this magnitude.

The whole thing also showed how uninformed and misinformed many Americans are. Whether you were for the plan or not, just look at this one thing: according to numerous polls back then, many elderly Americans were against the plan. Why? Because they didn't want the government running health care. If I remember correctly, something like a quarter to a third of older folks didn't realize that Medciare, THEIR PROGRAM, is run by the government!!! Remember too the video of the man shouting at Senator Arlen Spector at a town hall meeting? He said he didn't want the government involved and that he didn't like the government. It was later dicovered that he got GOVERNMENT disability payments. Incredible!

 

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