May 21 2008
I can own a car, but cannot afford medical insurance.
I was shocked to learn that 30ml of Zofran [vomit medicine] costs 110$. Thankfully, I have medical insurance and it cost me $10 as copay, but it makes me wonder about those who cannot afford medical insurance, or the one’s with minimalistic insurance. Their 3 year old is different from mine? Those 3 year old’s should just vomit till the bug finds it’s way out naturally?
In this presidential campaign, there are a lot of talks around affordability, cutting taxes, filling consumers pockets with more money which they would then use to buy insurance. What about regulating the drug prices in the first place? Or allow drugs to be purchased from outside the country. Having worked for the e-commerce division of a pretty well known pharma company, I know the outrageous margins on these drugs. Agreed, these companies are running a business, not a charity. They have a right to monetize their years of research and operating costs. And make profit. They usually have a 2 – 3 year period before the generic is released and that is their window to monetize. But, what after that? A little googling shows that this drug was first introduced in 1984. Almost 25 years back. And to date it costs an exorbitant 110$? Beats me!
I should probably send in a query to Jack Cafferty from the CNN news room to ask the presidential candidates what they would do about this. But, with my limited not-up-to-date political knowledge, who knows they might have talked about it. One and only one reason I am pro Obama is because he does not carry the burden of knowing how Washington works. He is young and hopefully bring in the changes this country needs.
I am not all for medicine, I don’t give one unless absolutely needed. D vomited more than 5 times in less than 2 hours. She could not even keep water down and the last one had liver bile. A little more than a year back the exact same thing happened and after the bile vomit, she started puking blood stained biles. Knowing the time it takes to see a doctor even in the ER, I wasn’t going to wait this time around. Her doctor was available to see her and sure enough she prescribed the medicine. But, we never got a chance to use it, as she slept on our way back home for more than 3 hours and was just fine when she woke up.
This morning I was going to check the expiry date on the bottle before throwing it out. My eyes popped out when I saw the price. I am almost tempted to gulp the medicine instead of trashing it.
Reminds me of the shocker I felt when I got to read the paper work from D’s delivery. Sure, I had an emergency C. Baby was suspected meningitis at birth and was held in special care for 6 days. Thankfully, the results were negative. At that time, we paid some 400$ copay, 100$ per day of hospital stay. The paperwork they sent us later showed the bill to be 78,000$. SEVENTY EIGHT THOUSAND DOLLARS!!!! Now, is that some money or what??
We are self employed, which means we are even more messed up. For one, not many are willing to cover us. Two, if they do, they will cover at the most 70%. OR we get insured with a HMO and be stuck with limited options. We chose a HMO insurance and a hospital which is partially funded by the government. This was the only one to cover us close to 100%. HMO’s are also supposed to have lower premium. Sure, we are paying just 1100$ for the 4 of us. With a copay of 25$ for a doctor visit, 10$ for a lab test. Many illness are not even covered.
Which brings me to my cleaning lady. She called in sick a few weeks back. When she did make it, she did not look very well. A little pondering, she says her insurance won’t cover her surgery as this is a pre existing condition. So, she is proscrastinating her doc visit. I did a little math. I pay her[2 of them come] 60$ a visit, twice a month. Multiply by 50 houses at the most. Dividing amongst the 2 ladies, they take home 3000$ a month. This is the best case scenario. She jokingly said, I can own a car, but I cannot afford medical insurance. I don’t have that kind of money to pay for her surgery, but one thing is fir sure. I will not bargain with any of the blue collar workers going forward. I had bargained from 65 to a 60$ when I hired her. I am not going to be able to build a mansion with 10 extra dollars a month. But, she might be able to get pain killers to ease her pain a little bit.
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Oh don’t even get me started on the insurance woes in this country ..do u know the number is at a staggering 44 million -uninsured I mean, healthcare can simply mean financial ruin for some.
But I am not sure if Canada or britains national health insurance policy is any better,…yes they have universal healthcare alright..everyone gets free health care at the governments cost..but the wait for procedures is endless
gain, nobody said life was fair..so this is just one of those deals
good post!
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Oops ..I have heard all this earlier as well. It looks scary
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OMG that was a powerful post. I knew how badly health care and insurance are screwed up in the US but had never had a first hand experience of it (or known anyone who did).
Hope D is doing better?!
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Hope D is feeling good..This is a scary story…
AM
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Don’t even get me started on health care. I think the link between jobs and health insurance must be severed. What happens to people who are in between jobs or young grads who are looking for jobs and can’t be covered through parents. It’s just wrong. Another reason why medical costs are high here and I am talking of doctors fees, is becase American Medical Institue outs a cap on the number of doctors it will license. The cap ensures fewer doctors which ensures a scarce supply and an ever increasing demand. I think people should be able to pay for their own health care. It should be that affordable. And there is no reason why Zofran is not a generic after 25 years. It’s an anti-emetic, for crying out loud. I don’t know what the solution to this is. National healthcare coverage (UK and Britain) are hopeless too. The Indian system is the best
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that is indeed scary… i mean just when you keep talking about how life is valued in the US, you read about non-existent health cover for most of the population without which they will get ruined! sigh!
very powerful post.
Cheers!
Abha
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abha: Welcome here.
all: We can go on and on about health insurance here, it’s just wrong. I just wish there was a way atleast for kids to get free medical treatment and access to medicine. The democrats are promising a lot of change, only time will tell, to what extent this change will help the one’s who actually need them.
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