Are We All Just One Serious Medical Emergency Away From Disaster?

healthcare-cost-1Healthcare in America has been a hot topic in the country for the last few years now. I’m not even going to get into the whether you are for or against the Obama Healthcare plan because in this discussion its irrelevant. Sadly, the bottom line today is that almost all of us are one serious healthcare emergency away from being in a whole lot of trouble and it shouldn’t be that way.

All my life I have tried to do things right, I have for the most part lived within my means, put money up for a rainy day, tried to work hard at whatever I do and pursue several entrepreneurial endeavors. Today, I have a good stable job, I have a home in a nice neighborhood and even in all this financial turmoil we have managed to avoid the brunt of it. I don’t say that to brag, but I say that to really bring home my next point. For all the things I have done right up until this point, a serious healthcare emergency in my household could take me under. Wow, that’s a big thing to say but sadly it’s the truth and what’s worse is that it is the truth for the majority of American’s today. Why is healthcare in America so expensive, I will never understand. If one of the reasons that doctors have to make so much money so quickly is because they need to pay off medical school debt then I say we should lower the cost of a medical school education in America but that’s just me.

I even have health insurance but if the condition is severe enough then even that won’t be enough. If you break a bone or two, need a bad cut stitched back together or some other minor procedure then most of us will be fine. However, if you are affected by something more serious like cancer, stroke, or other more serious conditions then the debt that you will incur can be soul crushing. The sad part about it is that it doesn’t matter what you tell someone it cost or what you put in from of them to sign, if you tell them it’s what is necessary to make them better or keep them alive then they will do it even if they KNOW they can’t afford it. Heck, that is what I would do. Even for those of us with good healthcare plans, at some point our insurance companies will stop paying and then it will all fall to us.

healthcare-cost-2As much as people get overwhelmed by credit card debt, the debt that tends to take solid families under is medical debt. Once things get really bad your only option usually is to file bankruptcy which will allow you to discharge the debt but kills your credit score for the next 7 years, some may say that’s not a huge price to pay but some people work very hard to maintain a good credit rating. It’s the proverbial rock and a hard place I guess.

My question on this whole sordid situation is why does it have to be this way? What the hell is wrong with healthcare in America? Why can good people work so hard for so long only to have a sickness that is often times completely out of their control be the reason that it all falls apart? I don’t know the answers ya’ll but I am sure that if we all put our heads together we can figure something out.

2 Comments

  1. Terrence K. says:

    Wow, just wow. You just said all the things I have been thinking, this is all a lot to process. Healthcare shouldn’t be able to do this to people but it does everyday and that’s not right. I’m not even 30, I have a good job and everything but if I get sick now it will probably all fall apart. All the hard work, what can we do though?

  2. Melanie says:

    It is very scary, I have a lady in my office that just got hit with a medical bill because her insurance company, that she has been with for over 20 years, won’t cover her trip to the emergency room or 4 day hospital stay that resulted from this trip because they say it wasn’t justifiable. It sickens me that this is what we pay for. Sure she can fight them but why should she have to?

Leave a Comment