Tuesday, June 7, 2016

Capitalist Medicine: Should the Co-Pay be ended?

In America today if you are able to get Insurance coverage, then you know that you are going to have a Co-Pay. If you go to an Urgent Care, that co-pay could range from 50 to 100 dollars a visit. The co-pay for your Primary Care Provider could range from as low as 10 to as high as 45 dollars per visit. And if you have the unfortunate need to go to the emergency room the co-pay could be as high as 500 dollars per visit, and that doesn't even cover the cost of the ride in the ambulance if one was needed.

Now if you don't have insurance, well you can just forget about Urgent Care, because they won't see you if you don't have the money. You can go ahead and throw out regular doctor visits because you will need to have money for that too, and if you have to go to the emergency room well you can expect to have a very large bill waiting for you in the mail when you get home, and even happens if you do have insurance.

The big debate is healthcare reform, I think the are focusing on the wrong area. I think what we really need to have is Insurance Reform. Today, right now, if you have a condition you are being treated for, and you change insurance providers. They won't cover that condition in some cases for the 1st year you have the new insurance. If you have a mental health issue, the cost of the medicine goes up. For example with Medco, prescription drug insurer, makes people with ADHD pay $60 a month for Adderal XR. A medication that could help those dealing with ADHD be more productive, and better balanced. United Healthcare to see a specialist, for example a Psychologist, with some plans it cost double the co-pay, then with a PCP (Primary Care Provider).

If you have Insurance through your employer they are taking out in some cases over a hundred dollars a month for Medical, Vision and Dental coverage. However you still have to pay for the doctors visits and the medication. For working Low-Income Families and Individuals they are having to choose between paying a co-pay for the doctor's visits or being able to pay full rent, or even having to choose between paying for medication and getting enough food for the week. This is the Reality of Capitalist Medicine.

Low-Income Families suffer because of the Capitalist system that has dominated American Medicine. Low-Income Families are turned away from Urgent Care Facilities because they don't have the money to pay for the visit. Low-Income Families don't go to the doctor, or to the dentist, or the Eye doctor because they have to pay the power bill, or the heat bill, or get food to feed the family. So The Low-Income Family suffers because of greed, and selfishness. It isn't right that an individual or family is turn away from a Doctor because of their inability or ability to pay for the visit. I think that any Medical Professional that allows that to happen is in a breach of ethics, and in breach of the Hippocratic Oath they took when they became a Medical Doctor.

Do you have another opinion? if so leave it in the comments. Let us know what you think!