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Healthy Young to Pay More for Health Care

By On · Add Comment · In health care, health care bill, insurance, medical costs

Ever been out to dinner with drinking friends and been expected to split the bill evenly, despite drinking no wine? Well, looks like health care is the new deadbeat dinner date. According to a new report, young adults who buy their own insurance will carry a heavier burden of the medical costs of older Americans.

By 2014, the year the new health care bill goes into effect, most Americans will be required to buy insurance or pay a tax penalty. Premiums for young adults is estimated to increase 17% or $42 per month, according to analysis by Rand Health, a research division of the nonpartisan Rand Corp. Nice! The people that use health insurance the least will be expected to pay $504 more per year. Yeah, that’s fair.

Consider 24-year-old Nils Higdon. The self-employed percussionist and part-time teacher in Chicago pays $140 each month for health insurance. But he’s healthy and so far hasn’t needed it. His insurance could go up to $182 per month–$2,184/year. Ask Nils if he’s pleased with this.

“I suppose it all depends on how much more people in my situation, who are already struggling for coverage, are expected to pay,” Higdon says. He’d prefer a single-payer health care system and calls age-based premiums part of the “broken morality” of for-profit health care.

According to Jim O’Connor, an actuary with the independent consulting firm Milliman Inc. “Young males will be hit the hardest,” because they have lower health care costs than young females and older people who go to doctors more often and use more medical services.

However, nationally representative surveys for the Kaiser Family Foundation have consistently found that young adults are more likely than senior citizens to say they would be willing to pay more so that more Americans could be insured. But whether that generosity will endure isn’t clear.

Even Higdon is okay with it overall–he says he supports the principles of the health care overhaul, even if it means he will pay more as a young man to smooth out premium costs for everyone.

Oh well, I guess youth doesn’t understand the financial impact of paying for others until they learn things the hard way–like splitting a $200 dinner bill when all they had was a burger and dinner salad.

Medical Shortage

By On · Add Comment · In insurance companies, medical costs, medical doctors, medicine, primary care physicians, universal health care

Looks like medical doctors don’t care for this federal health care stuff. According to a recent survey, many primary care physicians plan to quit or drastically cut down their hours seeing patients because they are feeling “overworked.” 7,200 physicians surveyed said they would NOT recommend medicine as a career. Wow! Neither would I.

The doctors surveyed stated that they’re simply bogged down by paperwork; and this paper-pushing leads them to give less time to patients. For any doctor who is in the game to help people, I can attest, this is a frustrating situation. And it isn’t going to get any better with a universal health system, that’s for sure.

The paperwork attached to the federal health programs like Medicare, Medicaid, and other federal and state insurance plans is oppressive. Yes, yes, yes, there is some fraud going on, and the government doesn’t like being cheated. But the strain caused by the paper-pushing rigmarole is just too much. Geez. The feds think it curbs costs, but in fact, it reduces quality of care. And worse yet, our skilled and hard-working primary care physicians are ready to walk away. The only worthwhile career in medicine today is in specialization–surgeons, oncologists, anesthesiologists, and the like. Who wants to see 100 people in a day, and then stay in the office all night doing paperwork? Sure makes research sound good.

I have to sympathize with the doctors here. I understand why all this paperwork craziness is happening. Medical costs are spiraling out of control, and part of the problem is fraudulent billing–from doctors and hospitals. Understandably, insurance companies don’t want to pay for anything that hasn’t actually taken place–you know, double paying for surgeries, paying for patients who weren’t really in the hospital, and so on. But to overburden doctors with safeguards, in the form of government forms, and so much that patients end up losing quality of medical care just doesn’t make sense. Insurance companies just have too much damn power, and it’s time they stop being placed on the top of the priority list. Let them police their own damn suspicions, and if they catch a fraudulent doctor or hospital–then great, throw the book at them. But to have the support of the federal government in this documentation madness is just that–mad!

We’ve Still Got A Long Way to Go

By On · Add Comment · In co-payment, health, health care, health care crisis, health paradigm, mammograms, medical bill, medical costs, medical coverage, medical industry, Medicare, system
 They say we’re in a health care crisis. Everywhere we turn we hear that our system is failing. I would disagree. In fact, I would say that based on the current health paradigm in which we now live, our system works beautifully, and there is nothing to fix.

Huh?!?! Has Campos finally lost his mind?

Hardly. Let me say this loud and clear: WE ARE NOT IN A HEALTH CARE CRISIS. We are in a conceptual crisis–a crisis of paradigms, if you will. Our current approach to health is to take it for granted until something goes wrong, then to run to the doctor or hospital to get cured.

Please tell me what’s wrong with our current system in context of this conceptualization of health care. It’s too expensive? Hey, it costs money to save lives. You think drug research, organ removal training, or high-resolution imaging diagnostics come cheap. Why should the medical industry spend years and years studying, researching and developing, and billions of dollars in funding just to give it away free? Think about that real hard.

Let me add even more perspective–why would you spend years studying in college, and many more years learning a business or craft, no matter what the discipline, to not earn a reasonable and proper paycheck today? Dry cleaning is too expensive! Restaurants are too expensive? Hair stylists are too expensive? Fix these industries! They’re too damn expensive! (Where’s Michael Moore when you really need him?)

Case in point: A new study shows that when women have to pay a portion of a medical bill in the form of a co-payment (sometimes as low as $10), the number who go in for regular mammograms decreases substantially. What the…? This is mind-blowing to me. Women who’d rather not get screened for a life-threatening and essentially preventative (if caught early enough) cancer (breast) to save ten bucks is just incomprehensible. But I think it’s more prevalent a practice than we know right now–among all genders, races, ages, and socioeconomic classes. I see it in my own practice all the time. Does this mean the system needs to be fixed? Well the Federal government seems to be buckling to the pressure–Medicare is now considering waving co-payments for routine mammograms. Hmmm.

The reality is that if we want something more out of health care, we need to put more into our own health. Period. It’s the concept of taking responsibility for our own health; not relying on the government or our employer to foot the bill for our neglect. This is a new way, and one which I heavily believe in and promote. Take better care of yourself and your health care costs will go down. I’ve had one major medical and one major dental situation in the last two years. I paid a pretty penny for sure (about $5,000 total) to get them taken care of. And guess what? It was worth it. You think I just had the money lying around begging for a place to spend it?–oh, wouldn’t that be nice. Sorry, no fat chance–it hurt coming up with the dough. But it was still worth it.

My point is this: Take care of yourself. It will minimize your need for medical care. When something does come up–and it will–your catastrophic medical coverage will come in handy, but it won’t cost you an arm and a leg during more healthy times. Not doing the things necessary to maintain good health in the meantime is just dollar dumb. You might save a penny today, but you’ll be a big contributor to the false notion that our current non-health system needs fixing.

Copyright © 2013 Dr. Nick Campos - All Rights Reserved.