Health Crisis or Insurance Crisis?

Designed to Crash

                                                          By Stasia Zoladz Vogel, J.D.
                                                          Derby, New York
 

            Scholars teach “revolutionary technique” as producing a change by creating a crisis and then standing ready with a pre-created “solution”. 

            Thoughtful analysis of the so-called “health care crisis” makes one wonder if this is  a  manufactured one. 

            The elementary principal of insurance has no relation to what is on our national stage at the moment. 

            Insurance is, first and foremost, the pooling of funds so that if one member of the pool suffers a major disaster, the money pooled, saved, and wisely invested,  pays the bill.  In a way, it is an assured gamble that you might just be the one hit with some catastrophe, and if you are, the pool pays. 

            It is meant to fill the gap for the extraordinary happening:  a person’s house burns down----there is a serious automobile accident-----someone breaks a leg or gets a big illness. 

            Somewhere along the way, however, the fundamental concept ran off the track, and insurance became  a money stream, not for the unexpected, but the routine. 

            A doctor’s visit is routine.  A tooth filling is routine.  A well baby check up is routine.   

            But suddenly, these routine, every day events become mega-deals which require  an insurance policy, as if no one expects the routine, and money must be pooled to subsidize these catastrophic events. 

            The San Andreas fault in this system is clear to any one who still thinks about these things.. 

            First.  Why is the routine visit to the doctor so costly?  Is it since “health” “insurance” was born, what was routine is now a calamity?  Did the truckload of regulations that piggy-backed on the invention of the “health insurance card” have anything to do with doctor’s office staffs needing 10 employees instead of 5 to handle the massive paperwork, record work, report work and monitoring that came with this behemoth program? 

            When I was in high school history, current events, we were presented for discussion with the scenario of the father of 7 suddenly being hit with some dread health problem, and, being unable to pay the freight of treatment, he died for lack of it, and left a family with no means of support.  Health insurance, we were told, could prevent such debacles. 

            Who could argue that scenario? 

            However, the jump to every single person needing a “policy” to just go see a doctor to remove a wart or for a cold remedy was never part of the proposition. 

            Nor should it be. 

            Second, I remember the days of our family doctor.  He had a waiting room filled to the rafters with patients, and we got in line.  Urgent problems went to the side door, the rest of us took our turn. 

            But we knew doc, we relied on doc, and payment was made in cash.   My father was a businessman, we knew he paid more than the factory worker, and the widow with children we all knew got a pass.  For this nobility, docs were on pedestals. 

            While those days won’t likely come back, the idea that the routine should be affordable should and must. 

            If all the over-saturated government rules, regs,  papers, and reports get taken out of the routine visit, the routine would and could return to where it should be--- realistic and affordable. 

            Almost everyone goes to a doctor here and there. 

            But not everybody breaks an arm, has a heart attack, needs the dentures. 

            If government butted out, let the routine be routine, and insurance do what it is supposed to do, cover the unexpected,  this impending upheaval would just go away. 

            While restoring insurance to what it is supposed to be would disappoint the socialist-minded, we  rugged Americans will get real happy, as we keep the big nose of government out of our tents and its hands less in our pockets.