Would my blood test still cost $1,132 if the US had a public health option?
Blood testing. Marc Rubin was quoted a price of $1,132 for a recent test.
Fri Mar 7, 2014 9:13AM GMT
Marc Rubin, Common Dreams
I recently went for a routine blood test as part of my yearly physical and
went back to the same lab I had been going to for the same test the last few
years. This time however, after handing over my insurance card, I was told
they were no longer an "in-network provider" for my health insurance carrier
(my carrier is one of the biggest in the country). At first, I didn't care
since my insurance plan allows me to see any provider, in-network or not.
The difference is in the co-pay. No co-pay for the blood test with an
in-network provider, a co-pay for out of network.
Given that the temperature outside was around 4F (-15.6C) with -10F (-23.3C)
wind chills I was inclined to stay where I was and fork over what I thought
would be a $25 or $50 co-pay. I figured that in the time it took to put on
my sweater, scarf, coat, hat, gloves and warm up the car, I could stay where
I was and just be done with it.
So I asked the administrator what the co-pay would be. She said she couldn't
tell me since she didn't have my specific plan information, but she could
tell me the cost of the blood test and the co-pay would probably be in the
20-30% range. I asked her to look it up since I had decided to stay and get
it over with. Until she told me the cost of the blood test: $1,132.
Needless to say, I had no problem putting on my sweater, hat, gloves and
scarf and braving the wind chills to drive to an in-network lab to pay
nothing.
Plenty of Americans have stories similar to mine of mind-boggling healthcare
expenses and bureaucracy. It's one of Obamacare's biggest failures one
that will never be fixed as long as Obamacare remains in its present form
and it has nothing to do with website glitches.
Aside from the very real and obvious problems that Obamacare will never sign
up anywhere near the number of young, healthy uninsured Americans needed to
make the system viable, Obamacare does nothing to address the root problem
in healthcare: costs, which have a domino effect on everything.
A $1,132 blood test is insane. Obamacare does nothing and will do nothing to
address that, which means the obscenely high health insurance premiums will
remain, and the uninsured still won't be able to afford coverage. If you
don't qualify for substantial subsidies, which most people don't, premiums
for even the lowest tier plans for a single person making over $45,000 are
around $200 to $300 a month. Even worse, they come with high deductibles of
$6,000, 40% co-pays and limited access to what doctors they can see.
Even though my blood test in the end cost me nothing, the insurance company
will still get a bill from the lab for something along the lines of $1,132,
which it will pay. That cost will be passed on to everyone else in the form
of insurance premiums that will be high enough to cover the cost of the test
AND make a profit for the insurance company.
Obamacare, even in concept, was certain to be a failure. The better option
would have been a government run, public option similar to the NHS in the
United Kingdom or Canada's system. Democrats had the votes to pass a public
option, but they didn't because their leadership, namely Nancy Pelosi and
Harry Reid, decided it was better not to embarrass Obama, who had already
decided to capitulate to the health insurance lobby and drop the public
option.
The public option would have offered healthcare coverage and access for a
fraction of what private insurance companies charge because the government
isn't in the business of making a profit. The US would basically have
Medicare-for-all type coverage. Consider that General Motors has stated that
the health insurance premiums they pay for their employees add over $1,500
to the cost of every car, and you start to see the impact lower healthcare
costs and a public option would have on the overall economy.
Experts on the economics of healthcare and the Congressional Budget Office
all say the same thing: Obamacare in its current form does nothing to reduce
the cost of healthcare in the US. The best the supporters of Obamacare can
offer is that it is slowing the rate of increase meaning that Obamacare is
making an insane system get even more insane but at a slower rate, which is
Cuckoo's Nest healthcare reform.
Obama and the Democrats were pummeled (and will continue to be) over the
president's promise that "if you like your health insurance you can keep it"
when insurance companies started canceling policies that didn't meet
Obamacare standards. The news media and Republicans had a field day as the
media kept showing video clips of Obama at town hall meetings in June, July
and August of 2009 saying "if you like your health insurance you can keep
it".
The problem is Obama wasn't saying that about Obamacare. Back then, he said
that about the public option. Obamacare (in its current form) wasn't even on
the drawing boards at the time. Obama made that promise in response to
Republican attacks that the public option was a government takeover of
healthcare. Obama's answer was that it was no such thing, that it was an
option, that people could choose it or, "if you like your current insurance,
you can keep it. If you like your doctor, you can keep your doctor". The
point he was correctly making was there was no obligation to sign up for the
public option. That's why it was called an option.
The fact that Obama decided he'd rather take a massive political hit as well
as put Democrats on the defensive rather than set the record straight and
remind people that he had made that promise about the public option (which
he eventually decided to drop) and not Obamacare is all anyone needs to know
about what Obama really thinks about his own reforms. Recall that Senators
Tom Harkin and Bernie Sanders, both of whom loudly supported the public
option along over 50 Democratic senators, caved on the passage of Obamacare
only because it's was perceived as better than nothing.
Democrats should admit the flaws in Obamacare (they already more or less are
with all the implementation delays) and point out that most of them had
supported the public option in the first place, even if that means throwing
Obama under the bus. Democrats can start campaigning to replace Obamacare
with the public option before Obamacare fails another test, this one in
November.
AN/AGB
Thé Mulindwas Communication Group
"With Yoweri Museveni, Ssabassajja and Dr. Kiiza Besigye, Uganda is in
anarchy"
Kuungana Mulindwa Mawasiliano Kikundi
"Pamoja na Yoweri Museveni, Ssabassajja na Dk. Kiiza Besigye, Uganda ni
katika machafuko"
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