Americas Uninsured (Health Insurance)

A blog of one’s own

Uninsured in the United States

Blogging is a relatively unique technology that has helped shape how people communicate. With the benefit of the internet, minority groups have been able to fetch public succor and attention from their blog posts. The internet has gained mass popularity in the previous 15 years growing at an exponential rate; it allows us to arrive anyone anywhere at the hasten of light. Blogging is indispensable because the average person can now project their message to millions of people online almost instantly. Blogs have become a key tool for minority groups to obtain their idea across without spending a lot of money. They have empowered and given a express to, people without adequate health insurance, and will be able to back more people in the future if the trend of blogging continues.

More than 44.8 Million people in the United States do not have health insurance (Wattenberg). This causes a broad deal of exertion for the average person living in the United States. The put a question to is whether or not health insurance is worth the amount of money they will have to exhaust or if they even have the money to employ on it. They then will behold at the opportunity cost; this is what they will have to give up if they don’t remove health insurance. When struggling to gain this decision they often peek at themselves as healthy and won’t need or can’t afford health insurance. Health insurance costs on average of $10,880 dollars per family, however most companies camouflage a huge section of,this cost, thus making it cost on average $2,713 per year (Appleby). These numbers are staggering for the average family in America who gain only $48,201 per year.

The uninsured in the USA are a seemingly invisible group to political elite and law makers. The dilemma with Universal healthcare is that it would, in theory, give everyone an equal opportunity at who gets what doctor. In other words there would be no “better” hospital to visit if you were wealthy or had some sort of influence. The documentary Sicko Michael Moore outlines what happens to people without health insurance in the USA, and it also largely covers what happens to people who have health insurance but their notion limits how grand care they can receive. The documentary also includes what happens to people who live in countries who have universal healthcare. The documentary was an coarse bias towards Universal Healthcare, but it outlined many facts. The following quote comes from the Institute of Medicine, was featured in the movie Sicko, and indicates the severity of the US healthcare plight.

According to the Institute of Medicine, “lack of health insurance causes roughly 18,000 unnecessary deaths every year in the United States. Although America leads the world in spending on health care, it is the only wealthy, industrialized nation that does not ensure that all citizens have coverage.” (“Insuring America’s Health: Principles and Recommendations”)

This is a scary number of people that die each year from the lack of financial means in the United States. With the institution of Universal Healthcare that number would be down to zero.

The scary facts about United States new healthcare system are that the United States Government is doing microscopic in the contrivance of making this number go down. Hillary Clinton, one of the biggest supporters of Universal Healthcare, was bought out by the drug companies and doctors in the execute of campaign money. She is the second highest recipient of money from the recent healthcare system; thus causing a conundrum (Christensen). How can the government fix the recent jam when the candidates themselves are in the pockets of the healthcare system and titanic drug manufacturers? Most belief it as a scrape, but do not know the extent of the problem; the healthcare companies are spending more and more money hiring people to fight congress over healthcare plans. In fact, there are 2,084 lobbyist and only 535 members of congress (Mayor).

The uninsured are a mountainous marginalized group in the United States that are not being represented by the government with adequate representation. The drug companies have the most to lose if the United States government adopts universal healthcare. They will lose the most because proper now they are making their fortune off the unusual health insurance thought in the United States. They form their money off not treating everyone and from their high premiums. The modern Bush administration has been urged by the drug companies to not agree to a universal healthcare system. They offer payouts to high political figures such as George W. Bush himself. This money is honest a piece of the amount of money that these drug companies receive every year from American families.

The uninsured American has no plot to argue with the insurance or drug companies over how considerable their care will cost them. To assign it simply, they can’t. The following is a quote from Kuro5hin.org which posted this argument about bargaining rights of the uninsured:

“An individual who needs medical care has no bargaining power whatsoever with a hospital. He can either agree to pay whatever he is charged, or he can die. There are no other choices. In some cases, the government will force him to rep medical care – if he is a minor child in a family that does not wish to acquire him any for religious or financial reasons, or if he is considered not to be in possession of reason – but he will smooth be billed. Refusing medical care for a uncertain or fatal condition is something most people won’t do – and may, in fact, be considered evidence of insanity which takes away the patient’s factual to refuse treatment at all. He can’t hasten out because the notice seems unreasonable. In some cases negotiation is fruitful, but often it isn’t.”

This following scenario is a steady area that far too many Americans face who are uninsured. They have no device to pay off their bill so they can only settle to refuse care instead, often doing this to abet their families financially. Their bills often gather so high that if they chose to die, it would be better financially. So are we putting a designate on human life?

Shrinking by the frosty shoulder that the U.S. Senate shows the uninsured, I looked into trusty life accounts of uninsured persons in the United States and their chilling stories. The following yarn touched me because it is of a hard working miner named Lenny who worked all his life in unforgiving conditions. He survived a mine fire which killed 91 of his co-workers. This didn’t conclude Lenny from returning to work, because after all he had three kids and with his job stout health care. Unfortunately for Lenny he had health care up until the mine he worked for laid everyone off. This left Lenny with serious health problems from working underground for twenty years. He would eventually need medical care; so he applied for a job that offered medical assistance, and the only find was that it took 60 days to go into attain. The following comes from (Sered and Fernandopulle):

“The luck that had made Lenny one of the survivor’s of the 1972 mine fire had race out. Only 30 days after he began the job, he fell down onto the pavement in beefy cardiac arrest. Paramedics flew him to Spokane, Wash., to a cardiac unit. His recovery was far better than anyone expected, but he was saddled with gigantic medical bills. A year later, he was sent to the hospital for angioplasty and eventually open-heart surgery. The doctors saved his life, but Lenny is aloof suffering acute headaches as a result of falling to the pavement when he experienced the initial cardiac arrest. The cardiologist sent him to an otolaryngologist, who then sent him to other specialists for treatments; none has eliminated his headaches.

The bill for his various surgeries, consultations, medications, and treatments is more than $140,000—it might as well be $1 billion in terms of Lenny ever being able to pay it. His sole income at this time is the $400/month pension he receives from the mining company.

The second ending to Lenny’s yarn is a bit different. Speaking with feeling about the first time he had to ask for public assistance, tears arrive into his eyes, which seems incongruous for a man who went benefit down into the mine as soon as the smoke from the deadly fire had cleared out. “We have worked all of our lives, even went to work sick,” Lenny says. And now, instead of the dignity of automatic access to care, he depends on the golden heart of the county indigent assistance program.”

Lenny’s case is not an isolated one by any means; many people are uninsured and allotment similar stories about how the flaws of the modern healthcare system.

Recently the blogging phenomenon has allowed many people with internet access to be able to piece their healthcare stories with the world. Many people who can’t afford insurance can’t afford the cost of high hasten internet which is required in order to blog. However, many public libraries offer this service and this allows many to have a swear when they wouldn’t previously. Healthinsuranceblog.com offers many different facts about the benefits of healthcare and what could happen if you don’t have it. The blog does not give proper life accounts of people who are uninsured, but they wait on raise awareness of what it means to not have insurance. The blog brings up a qualified point about why Universal Healthcare in the United States is unlikely, we don’t have the money to provide healthcare for everyone. The government currently does not have the allocated funds to mask insurance for everyone. With a tax it might be able to afford healthcare, but currently there is not enough money. Over 55% of the uninsured don’t pay taxes (healthinsuranceblog) and there would have to be higher taxes for everyone while only some people attend. Health Insurance Blog is a political blog that outlines what the upcoming presidential candidates befriend for health care.

Healthcare is often a matter of life and death for many. Without health insurance, the uninsured cannot afford routine doctors visits so if there is something improper with them it is not detected until it’s too gradual. Most of the illness that people glean can be easily treated with great care, but since most people dread the cost of a doctors or hospital visit they are left untreated.

Uninsured persons spend political candidates to relieve pick up their message to the public about how significant their situations are. On the website healthinsuranceblog.com the democratic author talked about how politicians are getting the public aware of what it is like to be uninsured:

“In the Democratic Party primaries of 1988, for example, candidate Michael Dukakis talked about a young single mother who had two jobs and level-headed could not afford medical insurance for herself and her children. In 1992, Bill Clinton did the same, changing the myth only slightly. This time it was the case of a woman with diabetes who could not derive health insurance because of her chronic condition. And now, in the 2008 primaries, Hillary Rodham Clinton (whom I worked with on the White House Health Care Reform Task Force in 1993) describes a similar case. This time it is a single woman, with two daughters, who cannot pay her medical bills because her congenital heart defect makes it impossible for her to get medical insurance coverage. And Barack Obama describes similar cases, with the eloquence that characterizes all of his speeches. He frequently refers to his fill mother, who had cancer and had to peril not only about her illness but about paying her medical bills.”

Healthcare cannot wait worthy longer. Americans are dying every day because they can’t afford to go to gather a routine doctors visit or they can’t afford their medication. I looked at the earning of the CEO of GlaxoSmithKline which is one of the larger providers of health insurance, Jean-Pierre Garnier the CEO made $9.4 million dollars last year. How is it comely that many people in the United States are uninsured and can’t afford to fetch the benefit they need, and the CEO’s of the companies that are denying them affordable healthcare are making a stout salary. When people have to work two jobs objective to be able to afford to pay for their medications, why should insurance and drug companies continue to be making such a grand profit?

Internet savvy users who happen to be uninsured illustrate their hardships over the internet. Oftentimes, people without healthcare who have problems have a hard time expressing their feelings about their situations because they either can’t afford to expend the internet or are too frustrated. The internet, along with blogs, has become a tool for people to yelp their idea without the censor of mainstream media. Blogs are written by people who have a scream and without an agenda (for the most section anyway; there are also corporate blogs).

Health care blogs are written by numerous people including, doctors, people without health insurance, and supporters of healthcare for everyone also known as universal healthcare. The commonwealthfund.org is an internet space that describes stories of people without healthcare and their hardships. The place is made for people to gather awareness of how terrible it is to not have healthcare, and even lumber down the stereotypes of people without health insurance. One stereotype I obsolete to have is that people without health insurance are sluggish, and or did not work hard enough to be able to afford it so it was be their fault for not having it. After looking at this plot that gives minorities a train, I learned that even college-educated men and woman have a hard time getting health care.

One profile on commonwealthfund.org was of a college graduate named Ryan who had to resolve whether or not to find a job based on income or healthcare. He was a healthy young individual who did not deem he would need healthcare so he decided to pick a job teaching which did not offer suited benefits. Ryan fell down on his apartment stairs and harm his knee, he now has very high hospital bills to pay off. He later had to win a job that paid less but offers health benefits. Ryan ended up getting care for his knee in Chili because they did not charge as powerful and offered equal or better service. The ask I have to ask after reading Ryan’s tale that he told was why should anyone have to settle between a career or a job that offers health benefits? What happened to what we were told as kids: “we can be anything we want to be? ” The truth is with our unique concept many Americans are finding themselves working for adequate health service.

Blogs have become an wonderful get of education for people who did not know about what is happening to the uninsured. With the original popularity of blogs, many are using their teach to disprove current misconceptions about what is it like to not be fully covered by their insurance company when they need care. After reading all the Profiles of the uninsured on commonwealthfund.org I wanted to know more about how we could bag their stories across to more people. The upcoming election for president has given the most power to the uninsured. The biggest quandary that is being addressed besides the Iraq war is the topic of affordable healthcare for all. The fact is that healthcare is only affordable for the average American making under $50,000 for a family is one that is mostly covered by their employer. But with the economy falling without or miniature growth since 2001 has not made it accessible for petite companies to provide healthcare for their employees.

Petite business owners are finding it increasingly difficult to afford the cost of healthcare for employees. Cramped businesses have to deal with high taxes by the government on their income (this number is usually around 35% but can very spot by place), this is a high number so the amount of funds left after paying for overhead is very microscopic. The goal of diminutive business it to expand and grow, but how can they afford to do that with all the costs they have? If healthcare cost less for business owners the economy would follow suit. It would grow, and I dare say we would be out of the recession that we are currently in. There is diminutive in manufacture of growth in the United States compared to other developing nations.

Universal Healthcare to many Americans is not principal to them because they are already covered; however I am concerned about it because the United States is doing so poorly economically. Blogs have been necessary in addressing the disclose of how remarkable money in being spent by individuals every year. In 2003 1.3 trillion dollars was spent on healthcare by the American people. This is an alarming amount of money that is going to something that is under regulated as far as tag goes. The drug companies and insurance companies are taking a tall fragment of all Americans income each year. Healthcare blogs have played a tall role in getting the public’s attention at this teach. They often obtain issues aware to us that we may not have known about; blogs unlike mainstream media are not censored and do not have a corporate sponsor. Americans who do not have health insurance collect their stories about their hardships on blogs or others write about them on their behalf.

I found a family member in my family who did not have health insurance. I learned last year she had a major operation on her serve, and I often wondered how she was going to pay for it. I conducted an interview with her and what I found out was disturbing. I have to say I am slightly bias towards this because she is a family member; however it does not execute the facts any less chilling.

My Aunt Lisa Herbert is a working class woman who did not effect high school or wait on any formal schooling after she dropped out. She got pregnant at the young age of 15 and had her first child at the age of 16. Lisa had a tough life from her teenage years. She had a hard time raising a kid at her age; she went through multiple husbands and boyfriends who would promise to engage care of her children but left her financially ruined. Lisa’s account regarding medical insurance starts two years ago in 2006. From all aspects she had a hard life but she wanted to composed fabricate something of herself, she got a job at a Dunkin Donuts as was promoted fast to manager. She was enjoying for the first time in her life financial freedom even if it was small; she had the sense of independence. She went to work impartial as she has always done one day in the winter; she fell on the ice leading up to the Dunkin Donuts she worked at. She fractured one her vertebras, however not life threatening, neither were her injuries threatening enough to produce her become a paraplegic. However she was detached injured. Lisa could not chase or be mobile for over 6 months; now imagine this as she described to me, she was finally becoming financially independent and was proud to become a manager, then after one accident she landed in the hospital. She did not have reliable insurance; she had what Dunkin Donuts provided for her. She was “lucky” in the sense that because she did not have the financial means to sue them. Dunkin Donuts gave her the pay for the 6 months that she was not working. She took this as a gift, but from my point of understanding she could have got more out of them if she had money. Lisa then had to pay overwhelming medical bills (the right amount was not disclosed) that mounted on her already oppressed set.

Lisa’s legend is not an isolated one or even a rarity in the United States. Many workers who are working either retail or chain restaurants are not making it financially. The rising cost of healthcare that is not provided from the companies that they are working for is overwhelming and often times unaffordable. The blogging community is honest starting to remove up issues of social injustice that is being done to marginalized groups such as the medically uninsured in the United States and giving them a speak. These groups should not be silenced because they do not have enough money to pay for grand care or routine visits.

I want to address one critical assure that the readers of this paper may be having; I have talked a lot about universal healthcare and how the uninsured need care as well. Many Americans that I have spoken to said that they don’t want defective quality care if we decided to do universal healthcare. I have a personal chronicle I want to allotment to sure up any confusion with the quality of nonprofit hospitals or hospitals that offer free care. When I was the age of 15 I had a severe flat foot dilemma, with health insurance that covered nearly 99% of all medical bills my parents had to pay over $3,000 out of pocket for treatment in order to obtain custom made orthotics for my feet and other care. They did not work. I ended up going to a hospital in Springfield Massachusetts that offered free orthopedic care to anyone under the age of 18; we did this only because all the “specialists” we visited did not wait on my condition. My doctor I had was the top orthopedic surgeon at the hospital and could rival any at a paying hospital. He suggested a original treatment for my feet without surgery and gave me free orthotics that actually helped. My family had the money to regain nearly any doctor that would encourage me however this was the only doctor that knew what he was doing that we visited so far. He was mild paid but by donations (he drove a 7 series BMW so he was getting paid a lot). I assume that Americans that are opposing universal healthcare have a zigzag thought on what it means to not have insurance pay for their care. I want to address one more thing, I found out about this hospital from a healthcare blog (can’t remember which one) which had other patients writing about their care and how they were helped by this hospital.

Universal healthcare to many is something that we want and strive for in America; but the put a question to we have to ask is can we afford it? A peep was done on the National Center for Political Analysis website outlining what would happen if we adopted universal healthcare today. According to the set if we were to glance at another universal healthcare concept such as Sweden’s, America would suffer far beyond what it is suffering today. Due to lower funding to hospitals through taxes instead of the healthcare providers, we would experience the following, a glide in recent staff for hospitals, reduction in staff at hospitals and clinics, reduction in beds at hospitals to house patients, undertrained people taking on higher responsibilities such as surgery (Larson,1). This makes it hard for us to think universal healthcare in America when there are so many negatives. However should the voices of the uninsured that are dying simply because they can’t afford their premiums be silenced?

Many of the uninsured living in America now are between the ages of 20-30, these by all means are young healthy individuals who feel like they will never need insurance until past the age of 30. They deem, what are the odds of getting sick? They are classified by the insurance agencies as “young invincibles” these are the people who do not have the average $3,000 a year to expend on health insurance let alone if their employer even offers it. Jake Hollner is by all rights a young healthy individual who at the age of 24 is working for Home Depot and is an artist allotment time. He missed the insurance that Home Depot offers as it is only offered once a year in a two week time frame. He idea to himself that he did not have the money to afford insurance (he was only making $6 an hour) so why bother? The money he would place from the insurance could be achieve to his medical bill if he had a onetime accident. He suffered from stomach ulcers since his undergraduate years in college, these ulcers fair starting coming support so he decided to bite the bullet and go to the doctors for back. He paid $200 for the visit and $73 for the prescription. This was his entire paycheck for the week but he was splendid apt? The ulcers did not go away after he took his medication; he had to do the unthinkable for an uninsured person, he went to the emergency room. He lost his gamble with not having insurance he ended up paying a fortune for his ulcer coverage because he was without health insurance. The right costs were not disclosed. Jake before the doctor visit could barely afford rent and other living expenses including health insurance (Amsden, 1).

There are other stories such as Jake’s out there, where young people who are rarely sick do not have the coverage they need in case of an emergency. The healthcare providers commented on this blog which Jake’s yarn was on. They gave him a link to come by affordable healthcare through them, the provider is Blue Scandalous Blue Shield. Even if there was “affordable” healthcare to many, how could someone like Jake who was only making $6 an hour be able to fix his other expenses? There is no cutting corners in his case, he has no money and is living on necessities.

With the institution of universal healthcare people such as Jake would not have to pay a lot to catch coverage since he does not invent a lot. Why is it that in America the better off richer class doesn’t want to aid everyone else? Universal healthcare redistributes the wealth that we are not getting a share of. When the majority of our wealth is going to the 1/10 of the top 1% in our country how can the rest of us afford to live? In theory, their money would succor fund everyone else with healthcare from their taxes. Wouldn’t it be better to live in a community where everyone helps each other, and there is no one who has to settle between eating or taking their child to the doctor’s office?

Universal healthcare is a topic that cannot be ignored any longer. We have too many people living amongst us who simply cannot afford the absurd premiums that the insurance companies are charging. The people that are dying because they cannot afford regular doctors visits are right people who have families and people that rely on them. This is a change that will need to be addressed as our modern president comes into office in the year.

Amsden, David. A Generation Uninsured. 26 March 2007. 10 4 2008 .

Appleby, Julie. USA Today. 12 February 2004. 2008 .

Blarney. Kuro5hin. 30 October 2003. 2006 .

“Blogging it.” Modern Healthcare 34.37 (13 Sep. 2004): 42-42. Academic Search Premier. EBSCO. Keene Region Library, Keene, NH 26 February 2008. .

Dalmia, Shikha. “Saying No to CoerciveCare.” Wall Street Journal – Eastern Edition 31 Jan. 2008: A16. Academic Search Premier. EBSCO. Keene Spot Library, Keene, NH. 26 February 2008. st-live&scope=site>.

Devore, Chuck. “Schwarzenegger’s Universal Healthcare Suffers Setback.” Human Events 64.5 (04 Feb. 2008): 7-14. Academic Search Premier. EBSCO. Keene Space Library, Keene, NH. 26 February 2008. .

healthinsurance. Health Insurance Blog. 25 March 2008. 2008 .

McCabe, Patrick. Robert Wood Johnson Foundation. 27 April 2005. 2008 .

Moore, Michael. Sicko check up the facts. 2008 .

NCPA. Lessons from Sweden’s Universal Healthcare. 24 4 2008. 24 4 2008 .

(NCPA)”Outliers.” Modern Healthcare 37.34 (27 Aug. 2007): 68-68. Academic Search Premier. EBSCO. Keene Plot Library, Keene, NH. 26 February 2008. .

Susan Sered and Rushika Fernandopulle, M.D. The Approved Wealth Fund. 2 February 2005. 2008 .

Thielst, Christina Beach. “Weblogs: A Communication Tool.” Journal of Healthcare Management 52.5 (Sep. 2007): 287-289. Academic Search Premier. EBSCO. Keene Area Library, Keene, NH. 26 February 2008. .

“Wanna play politics, kid? D.C. welcomes you to the broad leagues.” Modern Healthcare 37.41 (15 Oct. 2007): 36-36. Academic Search Premier. EBSCO. Keene Position Library, Keene, NH. 21 February 2008. .

Wattenberg, Ben. PBS. 2003. 12 4 2008 .

A blog of one’s own

Uninsured in the United States

Blogging is a relatively unusual technology that has helped shape how people communicate. With the attend of the internet, minority groups have been able to pick up public befriend and attention from their blog posts. The internet has gained mass popularity in the previous 15 years growing at an exponential rate; it allows us to come anyone anywhere at the accelerate of light. Blogging is necessary because the average person can now project their message to millions of people online almost instantly. Blogs have become a key tool for minority groups to accept their conception across without spending a lot of money. They have empowered and given a protest to, people without adequate health insurance, and will be able to back more people in the future if the trend of blogging continues.

More than 44.8 Million people in the United States do not have health insurance (Wattenberg). This causes a colossal deal of grief for the average person living in the United States. The inquire is whether or not health insurance is worth the amount of money they will have to exhaust or if they even have the money to exhaust on it. They then will witness at the opportunity cost; this is what they will have to give up if they don’t take health insurance. When struggling to earn this decision they often inspect at themselves as healthy and won’t need or can’t afford health insurance. Health insurance costs on average of $10,880 dollars per family, however most companies camouflage a mountainous allotment of,this cost, thus making it cost on average $2,713 per year (Appleby). These numbers are staggering for the average family in America who perform only $48,201 per year.

The uninsured in the USA are a seemingly invisible group to political elite and law makers. The pickle with Universal healthcare is that it would, in theory, give everyone an equal opportunity at who gets what doctor. In other words there would be no “better” hospital to visit if you were wealthy or had some sort of influence. The documentary Sicko Michael Moore outlines what happens to people without health insurance in the USA, and it also largely covers what happens to people who have health insurance but their concept limits how distinguished care they can receive. The documentary also includes what happens to people who live in countries who have universal healthcare. The documentary was an obscene bias towards Universal Healthcare, but it outlined many facts. The following quote comes from the Institute of Medicine, was featured in the movie Sicko, and indicates the severity of the US healthcare spot.

According to the Institute of Medicine, “lack of health insurance causes roughly 18,000 unnecessary deaths every year in the United States. Although America leads the world in spending on health care, it is the only wealthy, industrialized nation that does not ensure that all citizens have coverage.” (“Insuring America’s Health: Principles and Recommendations”)

This is a scary number of people that die each year from the lack of financial means in the United States. With the institution of Universal Healthcare that number would be down to zero.

The scary facts about United States unusual healthcare system are that the United States Government is doing petite in the plan of making this number go down. Hillary Clinton, one of the biggest supporters of Universal Healthcare, was bought out by the drug companies and doctors in the do of campaign money. She is the second highest recipient of money from the unusual healthcare system; thus causing a conundrum (Christensen). How can the government fix the new pickle when the candidates themselves are in the pockets of the healthcare system and immense drug manufacturers? Most notion it as a pickle, but do not know the extent of the problem; the healthcare companies are spending more and more money hiring people to fight congress over healthcare plans. In fact, there are 2,084 lobbyist and only 535 members of congress (Mayor).

The uninsured are a tremendous marginalized group in the United States that are not being represented by the government with adequate representation. The drug companies have the most to lose if the United States government adopts universal healthcare. They will lose the most because suitable now they are making their fortune off the novel health insurance idea in the United States. They do their money off not treating everyone and from their high premiums. The original Bush administration has been urged by the drug companies to not agree to a universal healthcare system. They offer payouts to high political figures such as George W. Bush himself. This money is honest a fragment of the amount of money that these drug companies receive every year from American families.

The uninsured American has no procedure to argue with the insurance or drug companies over how remarkable their care will cost them. To do it simply, they can’t. The following is a quote from Kuro5hin.org which posted this argument about bargaining rights of the uninsured:

“An individual who needs medical care has no bargaining power whatsoever with a hospital. He can either agree to pay whatever he is charged, or he can die. There are no other choices. In some cases, the government will force him to gather medical care – if he is a minor child in a family that does not wish to find him any for religious or financial reasons, or if he is considered not to be in possession of reason – but he will peaceful be billed. Refusing medical care for a risky or fatal condition is something most people won’t do – and may, in fact, be considered evidence of insanity which takes away the patient’s apt to refuse treatment at all. He can’t slide out because the impress seems unreasonable. In some cases negotiation is fruitful, but often it isn’t.”

This following scenario is a genuine site that far too many Americans face who are uninsured. They have no procedure to pay off their bill so they can only decide to refuse care instead, often doing this to aid their families financially. Their bills often find so high that if they chose to die, it would be better financially. So are we putting a imprint on human life?

Tremulous by the icy shoulder that the U.S. Senate shows the uninsured, I looked into valid life accounts of uninsured persons in the United States and their chilling stories. The following epic touched me because it is of a hard working miner named Lenny who worked all his life in unforgiving conditions. He survived a mine fire which killed 91 of his co-workers. This didn’t halt Lenny from returning to work, because after all he had three kids and with his job titanic health care. Unfortunately for Lenny he had health care up until the mine he worked for laid everyone off. This left Lenny with serious health problems from working underground for twenty years. He would eventually need medical care; so he applied for a job that offered medical assistance, and the only bag was that it took 60 days to go into attain. The following comes from (Sered and Fernandopulle):

“The luck that had made Lenny one of the survivor’s of the 1972 mine fire had race out. Only 30 days after he began the job, he fell down onto the pavement in stout cardiac arrest. Paramedics flew him to Spokane, Wash., to a cardiac unit. His recovery was far better than anyone expected, but he was saddled with expansive medical bills. A year later, he was sent to the hospital for angioplasty and eventually open-heart surgery. The doctors saved his life, but Lenny is unruffled suffering acute headaches as a result of falling to the pavement when he experienced the initial cardiac arrest. The cardiologist sent him to an otolaryngologist, who then sent him to other specialists for treatments; none has eliminated his headaches.

The bill for his various surgeries, consultations, medications, and treatments is more than $140,000—it might as well be $1 billion in terms of Lenny ever being able to pay it. His sole income at this time is the $400/month pension he receives from the mining company.

The second ending to Lenny’s tale is a bit different. Speaking with feeling about the first time he had to ask for public assistance, tears reach into his eyes, which seems incongruous for a man who went encourage down into the mine as soon as the smoke from the deadly fire had cleared out. “We have worked all of our lives, even went to work sick,” Lenny says. And now, instead of the dignity of automatic access to care, he depends on the golden heart of the county indigent assistance program.”

Lenny’s case is not an isolated one by any means; many people are uninsured and part similar stories about how the flaws of the recent healthcare system.

Recently the blogging phenomenon has allowed many people with internet access to be able to fraction their healthcare stories with the world. Many people who can’t afford insurance can’t afford the cost of high urge internet which is required in order to blog. However, many public libraries offer this service and this allows many to have a explain when they wouldn’t previously. Healthinsuranceblog.com offers many different facts about the benefits of healthcare and what could happen if you don’t have it. The blog does not give valid life accounts of people who are uninsured, but they encourage raise awareness of what it means to not have insurance. The blog brings up a fine point about why Universal Healthcare in the United States is unlikely, we don’t have the money to provide healthcare for everyone. The government currently does not have the allocated funds to screen insurance for everyone. With a tax it might be able to afford healthcare, but currently there is not enough money. Over 55% of the uninsured don’t pay taxes (healthinsuranceblog) and there would have to be higher taxes for everyone while only some people succor. Health Insurance Blog is a political blog that outlines what the upcoming presidential candidates abet for health care.

Healthcare is often a matter of life and death for many. Without health insurance, the uninsured cannot afford routine doctors visits so if there is something irascible with them it is not detected until it’s too tedious. Most of the illness that people obtain can be easily treated with satisfactory care, but since most people scare the cost of a doctors or hospital visit they are left untreated.

Uninsured persons spend political candidates to encourage fetch their message to the public about how indispensable their situations are. On the website healthinsuranceblog.com the democratic author talked about how politicians are getting the public aware of what it is like to be uninsured:

“In the Democratic Party primaries of 1988, for example, candidate Michael Dukakis talked about a young single mother who had two jobs and tranquil could not afford medical insurance for herself and her children. In 1992, Bill Clinton did the same, changing the account only slightly. This time it was the case of a woman with diabetes who could not score health insurance because of her chronic condition. And now, in the 2008 primaries, Hillary Rodham Clinton (whom I worked with on the White House Health Care Reform Task Force in 1993) describes a similar case. This time it is a single woman, with two daughters, who cannot pay her medical bills because her congenital heart defect makes it impossible for her to get medical insurance coverage. And Barack Obama describes similar cases, with the eloquence that characterizes all of his speeches. He frequently refers to his absorb mother, who had cancer and had to anxiety not only about her illness but about paying her medical bills.”

Healthcare cannot wait considerable longer. Americans are dying every day because they can’t afford to go to fetch a routine doctors visit or they can’t afford their medication. I looked at the earning of the CEO of GlaxoSmithKline which is one of the larger providers of health insurance, Jean-Pierre Garnier the CEO made $9.4 million dollars last year. How is it dazzling that many people in the United States are uninsured and can’t afford to obtain the aid they need, and the CEO’s of the companies that are denying them affordable healthcare are making a tall salary. When people have to work two jobs unbiased to be able to afford to pay for their medications, why should insurance and drug companies continue to be making such a great profit?

Internet savvy users who happen to be uninsured illustrate their hardships over the internet. Oftentimes, people without healthcare who have problems have a hard time expressing their feelings about their situations because they either can’t afford to utilize the internet or are too frustrated. The internet, along with blogs, has become a tool for people to direct their view without the censor of mainstream media. Blogs are written by people who have a speak and without an agenda (for the most section anyway; there are also corporate blogs).

Health care blogs are written by numerous people including, doctors, people without health insurance, and supporters of healthcare for everyone also known as universal healthcare. The commonwealthfund.org is an internet spot that describes stories of people without healthcare and their hardships. The situation is made for people to catch awareness of how poor it is to not have healthcare, and even chase down the stereotypes of people without health insurance. One stereotype I stale to have is that people without health insurance are sluggish, and or did not work hard enough to be able to afford it so it was be their fault for not having it. After looking at this residence that gives minorities a content, I learned that even college-educated men and woman have a hard time getting health care.

One profile on commonwealthfund.org was of a college graduate named Ryan who had to determine whether or not to gain a job based on income or healthcare. He was a healthy young individual who did not mediate he would need healthcare so he decided to consume a job teaching which did not offer superb benefits. Ryan fell down on his apartment stairs and damage his knee, he now has very high hospital bills to pay off. He later had to engage a job that paid less but offers health benefits. Ryan ended up getting care for his knee in Chili because they did not charge as worthy and offered equal or better service. The inquire I have to ask after reading Ryan’s yarn that he told was why should anyone have to resolve between a career or a job that offers health benefits? What happened to what we were told as kids: “we can be anything we want to be? ” The truth is with our modern thought many Americans are finding themselves working for adequate health service.

Blogs have become an worthy execute of education for people who did not know about what is happening to the uninsured. With the unusual popularity of blogs, many are using their bellow to disprove favorite misconceptions about what is it like to not be fully covered by their insurance company when they need care. After reading all the Profiles of the uninsured on commonwealthfund.org I wanted to know more about how we could bag their stories across to more people. The upcoming election for president has given the most power to the uninsured. The biggest quandary that is being addressed besides the Iraq war is the topic of affordable healthcare for all. The fact is that healthcare is only affordable for the average American making under $50,000 for a family is one that is mostly covered by their employer. But with the economy falling without or tiny growth since 2001 has not made it accessible for cramped companies to provide healthcare for their employees.

Slight business owners are finding it increasingly difficult to afford the cost of healthcare for employees. Limited businesses have to deal with high taxes by the government on their income (this number is usually around 35% but can very plot by set), this is a high number so the amount of funds left after paying for overhead is very puny. The goal of limited business it to expand and grow, but how can they afford to do that with all the costs they have? If healthcare cost less for business owners the economy would follow suit. It would grow, and I dare say we would be out of the recession that we are currently in. There is slight in accomplish of growth in the United States compared to other developing nations.

Universal Healthcare to many Americans is not primary to them because they are already covered; however I am concerned about it because the United States is doing so poorly economically. Blogs have been well-known in addressing the scream of how considerable money in being spent by individuals every year. In 2003 1.3 trillion dollars was spent on healthcare by the American people. This is an alarming amount of money that is going to something that is under regulated as far as heed goes. The drug companies and insurance companies are taking a tall part of all Americans income each year. Healthcare blogs have played a gigantic role in getting the public’s attention at this sigh. They often construct issues aware to us that we may not have known about; blogs unlike mainstream media are not censored and do not have a corporate sponsor. Americans who do not have health insurance earn their stories about their hardships on blogs or others write about them on their behalf.

I found a family member in my family who did not have health insurance. I learned last year she had a major operation on her support, and I often wondered how she was going to pay for it. I conducted an interview with her and what I found out was disturbing. I have to say I am slightly bias towards this because she is a family member; however it does not effect the facts any less chilling.

My Aunt Lisa Herbert is a working class woman who did not do high school or assist any formal schooling after she dropped out. She got pregnant at the young age of 15 and had her first child at the age of 16. Lisa had a tough life from her teenage years. She had a hard time raising a kid at her age; she went through multiple husbands and boyfriends who would promise to choose care of her children but left her financially ruined. Lisa’s record regarding medical insurance starts two years ago in 2006. From all aspects she had a hard life but she wanted to quiet fabricate something of herself, she got a job at a Dunkin Donuts as was promoted fleet to manager. She was enjoying for the first time in her life financial freedom even if it was small; she had the sense of independence. She went to work unbiased as she has always done one day in the winter; she fell on the ice leading up to the Dunkin Donuts she worked at. She fractured one her vertebras, however not life threatening, neither were her injuries threatening enough to fabricate her become a paraplegic. However she was unexcited injured. Lisa could not sail or be mobile for over 6 months; now imagine this as she described to me, she was finally becoming financially independent and was proud to become a manager, then after one accident she landed in the hospital. She did not have genuine insurance; she had what Dunkin Donuts provided for her. She was “lucky” in the sense that because she did not have the financial means to sue them. Dunkin Donuts gave her the pay for the 6 months that she was not working. She took this as a gift, but from my point of thought she could have got more out of them if she had money. Lisa then had to pay overwhelming medical bills (the valid amount was not disclosed) that mounted on her already oppressed state.

Lisa’s myth is not an isolated one or even a rarity in the United States. Many workers who are working either retail or chain restaurants are not making it financially. The rising cost of healthcare that is not provided from the companies that they are working for is overwhelming and often times unaffordable. The blogging community is fair starting to acquire up issues of social injustice that is being done to marginalized groups such as the medically uninsured in the United States and giving them a say. These groups should not be silenced because they do not have enough money to pay for excellent care or routine visits.

I want to address one well-known sigh that the readers of this paper may be having; I have talked a lot about universal healthcare and how the uninsured need care as well. Many Americans that I have spoken to said that they don’t want heinous quality care if we decided to do universal healthcare. I have a personal fable I want to piece to certain up any confusion with the quality of nonprofit hospitals or hospitals that offer free care. When I was the age of 15 I had a severe flat foot predicament, with health insurance that covered nearly 99% of all medical bills my parents had to pay over $3,000 out of pocket for treatment in order to secure custom made orthotics for my feet and other care. They did not work. I ended up going to a hospital in Springfield Massachusetts that offered free orthopedic care to anyone under the age of 18; we did this only because all the “specialists” we visited did not benefit my condition. My doctor I had was the top orthopedic surgeon at the hospital and could rival any at a paying hospital. He suggested a fresh treatment for my feet without surgery and gave me free orthotics that actually helped. My family had the money to obtain nearly any doctor that would befriend me however this was the only doctor that knew what he was doing that we visited so far. He was calm paid but by donations (he drove a 7 series BMW so he was getting paid a lot). I believe that Americans that are opposing universal healthcare have a crooked thought on what it means to not have insurance pay for their care. I want to address one more thing, I found out about this hospital from a healthcare blog (can’t remember which one) which had other patients writing about their care and how they were helped by this hospital.

Universal healthcare to many is something that we want and strive for in America; but the request we have to ask is can we afford it? A see was done on the National Center for Political Analysis website outlining what would happen if we adopted universal healthcare today. According to the dwelling if we were to view at another universal healthcare opinion such as Sweden’s, America would suffer far beyond what it is suffering today. Due to lower funding to hospitals through taxes instead of the healthcare providers, we would experience the following, a lumber in unusual staff for hospitals, reduction in staff at hospitals and clinics, reduction in beds at hospitals to house patients, undertrained people taking on higher responsibilities such as surgery (Larson,1). This makes it hard for us to believe universal healthcare in America when there are so many negatives. However should the voices of the uninsured that are dying simply because they can’t afford their premiums be silenced?

Many of the uninsured living in America now are between the ages of 20-30, these by all means are young healthy individuals who feel like they will never need insurance until past the age of 30. They reflect, what are the odds of getting sick? They are classified by the insurance agencies as “young invincibles” these are the people who do not have the average $3,000 a year to use on health insurance let alone if their employer even offers it. Jake Hollner is by all rights a young healthy individual who at the age of 24 is working for Home Depot and is an artist fragment time. He missed the insurance that Home Depot offers as it is only offered once a year in a two week time frame. He concept to himself that he did not have the money to afford insurance (he was only making $6 an hour) so why bother? The money he would set from the insurance could be set aside to his medical bill if he had a onetime accident. He suffered from stomach ulcers since his undergraduate years in college, these ulcers unprejudiced starting coming serve so he decided to bite the bullet and go to the doctors for befriend. He paid $200 for the visit and $73 for the prescription. This was his entire paycheck for the week but he was magnificent good? The ulcers did not go away after he took his medication; he had to do the unthinkable for an uninsured person, he went to the emergency room. He lost his gamble with not having insurance he ended up paying a fortune for his ulcer coverage because he was without health insurance. The genuine costs were not disclosed. Jake before the doctor visit could barely afford rent and other living expenses including health insurance (Amsden, 1).

There are other stories such as Jake’s out there, where young people who are rarely sick do not have the coverage they need in case of an emergency. The healthcare providers commented on this blog which Jake’s narrative was on. They gave him a link to accept affordable healthcare through them, the provider is Blue Unfriendly Blue Shield. Even if there was “affordable” healthcare to many, how could someone like Jake who was only making $6 an hour be able to fix his other expenses? There is no cutting corners in his case, he has no money and is living on necessities.

With the institution of universal healthcare people such as Jake would not have to pay a lot to gather coverage since he does not form a lot. Why is it that in America the better off richer class doesn’t want to assist everyone else? Universal healthcare redistributes the wealth that we are not getting a fraction of. When the majority of our wealth is going to the 1/10 of the top 1% in our country how can the rest of us afford to live? In theory, their money would succor fund everyone else with healthcare from their taxes. Wouldn’t it be better to live in a community where everyone helps each other, and there is no one who has to resolve between eating or taking their child to the doctor’s office?

Universal healthcare is a topic that cannot be ignored any longer. We have too many people living amongst us who simply cannot afford the absurd premiums that the insurance companies are charging. The people that are dying because they cannot afford regular doctors visits are accurate people who have families and people that rely on them. This is a change that will need to be addressed as our novel president comes into office in the year.

Amsden, David. A Generation Uninsured. 26 March 2007. 10 4 2008 .

Appleby, Julie. USA Today. 12 February 2004. 2008 .

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“Blogging it.” Modern Healthcare 34.37 (13 Sep. 2004): 42-42. Academic Search Premier. EBSCO. Keene Location Library, Keene, NH 26 February 2008. .

Dalmia, Shikha. “Saying No to CoerciveCare.” Wall Street Journal – Eastern Edition 31 Jan. 2008: A16. Academic Search Premier. EBSCO. Keene Set Library, Keene, NH. 26 February 2008. st-live&scope=site>.

Devore, Chuck. “Schwarzenegger’s Universal Healthcare Suffers Setback.” Human Events 64.5 (04 Feb. 2008): 7-14. Academic Search Premier. EBSCO. Keene Position Library, Keene, NH. 26 February 2008. .

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McCabe, Patrick. Robert Wood Johnson Foundation. 27 April 2005. 2008 .

Moore, Michael. Sicko check up the facts. 2008 .

NCPA. Lessons from Sweden’s Universal Healthcare. 24 4 2008. 24 4 2008 .

(NCPA)”Outliers.” Modern Healthcare 37.34 (27 Aug. 2007): 68-68. Academic Search Premier. EBSCO. Keene Spot Library, Keene, NH. 26 February 2008. .

Susan Sered and Rushika Fernandopulle, M.D. The Favorite Wealth Fund. 2 February 2005. 2008 .

Thielst, Christina Beach. “Weblogs: A Communication Tool.” Journal of Healthcare Management 52.5 (Sep. 2007): 287-289. Academic Search Premier. EBSCO. Keene Location Library, Keene, NH. 26 February 2008. .

“Wanna play politics, kid? D.C. welcomes you to the huge leagues.” Modern Healthcare 37.41 (15 Oct. 2007): 36-36. Academic Search Premier. EBSCO. Keene Status Library, Keene, NH. 21 February 2008. .

Wattenberg, Ben. PBS. 2003. 12 4 2008 .

Eleven Tips for Buying Expatriate Health Insurance

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