In the meantime we are judicious in our health care spending: The other night our 2 year old came down with the croup and her fever spiked above 103. Normally that’s when I panic and rush to the doctor, but this time we called the our pediatrician’s 24 hour nurse hotline, and the nurse suggested we give motrin and watch her closely for a couple hours to see if the fever breaks. Which it did, thankfully, saving us a few hundred dollars and reducing our nation’s health care costs by a similar amount.
We’ve found other ways to economize on our health care spending too: my wife’s begun taking her prescription medication (which costs $350 a month out of pocket) every 30 hours instead of once a day and thus far has not experienced any ill effects. We postponed our six year old’s annual checkup and my annual melanoma exam.
Not having insurance has saved us a couple thousand dollars the last two months, but a couple thousand dollars is a hit I can take: what worries me is that we’re going to have a broken arm or a kidney stone or some true medical emergency that costs tens of thousands of dollars.
That’s all I want health insurance for—true medical emergencies—but Obamacare precluded that option. And because of its rank incompetence I can’t get any insurance at all.
This man tells about the nightmare his family is enduring trying to get insurance through Obamacare. Meanwhile, his family is going without insurance. On the positive side, he is saving thousands of dollars by not having to pay the monthly premium. On the negative side, he tells about care his family is not getting because they don’t want to lay out the cash for the treatments. He also tells of things they’ve done, such as his wife taking her medication every 30 hours instead of every 24 hours, to save on their health care.
We should all be frugal with our health care whether we’re paying for it or not. Unnecessary tests and procedures are what drive insurance rates up. It is difficult to obtain a good balance of being frugal but still receiving the care you need when you have to foot the entire bill yourself.
Even so, health care and health insurance are not rights. Doctors and others within the medical community are offering a service or product to the general public just as your local dry cleaner is offering a service to clean your clothes for you. Unfortunately, health care can be very expensive; and in some instances can mean the difference between life and death. Still it is a product/service, not a right.