Health Insurance Crisis (Part 2)
The system of using the young adults to pay into a health care system to foot the expense of the elderly or senior citizens was not the best of ideas. Keeping this system in its prime, every family is obliged to have large families, but then the government has been preaching for years for families to downsize instead. Well, this working against the medical insurance system still remains in place today.
What do the residents and the medical staff of New York, and the rest of the country do now? Hospitals are over crowded, nurses are working extra long shifts, equipment is becoming scarce, and technology is available, but so costly it is no longer useable. Medical doctors work hours they never thought possible and are caught between doing what is best for the patient and following insurance guidelines.
Patients needing surgery must make all kinds of appointments to have blood test run, physical check-ups for pre-op and are having outpatient surgery in a medical building instead of a hospital. Patients with individual health insurance receive an insurance policy and then every six months to a year receive an addendum with changes on the policy.
After a while the medical insurance policy is unrecognizable from what it was in the beginning. When these same individuals want to make an appointment with the family medical physician it is almost next to impossible. When you call to make an appointment first you have to get past the medical receptionist who will ask who the health insurance carrier is. When it is permissible and the insurance carrier is acceptable you must request a Medical Doctor or the individual will never get to see one.
The individual requesting medical attention will receive an appointment with a physician’s assistant (PA) or an Osteopathic Doctor (OD), but the chances of seeing a medical doctor is almost only by request, why? This same individual has been paying the average monthly cost for health insurance for years and now when treatment is required this same individual is not getting it.
The list of pre-conditions runs on for pages now and just about every know ailment is on this list as a pre-condition when at one time the list was short. Now you have families who have health coverage and they are paying for this medical coverage that is no longer worth very much.
