Our system isn’t working for a great many of us

I don’t want to argue, but our system isn’t working for a great many of us, and it is on topic for this board since many people wind up in bankruptcy only due to medical costs. The fact is I am closely related to a family of Canadians, some of whom work here for major pharmaceuticals so I think they understand our system very well. None of them would change. I know many other Canadians who feel the same way. To be honest, there are those Canadians who have to cross the border to pay to get immediate treatment of an unusual nature, this only means that they have the best of both worlds.

I will say that our system used to be the model of the world before the great American institution of greed ruined it. Before the days of health insurance and malpractice suits back in the fifties (I was a mere child) I remember my dad giving our family doctor $5 out of his wallet for a house call to give one of us kids a shot of antibiotic. Given inflation, that might be the equivalent of $50 or $100 today, but can you even imagine a house call? The equivalent would be a trip to the ER costing many thousands.

Insurance and pharmaceutical greed is high on my list of culprits. They formed the engine that made health care unaffordable. Certainly lawyers and government have done their part too, but their elimination from the equation will not make things better. It would only reduce our ability to get redress from a bureaucratic and oppressive system that runs on greed and not service..

I am sorry to have to disagree with you

I am sorry to have to disagree with you if you are implying that we need national health care. That is the last thing we need. I lived with national health care for 23 years, it is called the US Military.

There is NOT one single industrial country with the population of the US that has national health care that works. The two best things our elected officials could do is to get the govenment out of the health care business, then prices will come down as true capitalism and competition will kick in.

The second thing they should do is pass some serious tort reform to prevent ungodly malpractice lawsuits. It has gotten to the point where Doctors run a whole gambit of tests for your rash “just to be sure” instead of using the old fashioned method of letting a doctor use his/her best judgement.

I know that this group is to help people pay off debts and that is what we should be concentrating on.

P.S. You do realize that the proposal Hillary Clinton had when hubby was president would have made it a felony for both you & the doctor if you were to pay & see a different doctor than the one the government assigned to you? Is that what we want?

I was implying nothing….. just stating that our elected officials need to address the health care crises in our country as to these outrageous medical bills that are in reality a budget breaker….

There is no way you can prepare a budget if you get sick and have to go to the hospital.

I will not state my opinion on national health care because this is a blog. However if you would like to email me off list please feel free to do so. I always love a good discussion……

Laid Off from Job

I got laid off from my job on Monday. I don’t have a new job yet. I have about $30,000 in total debt, and half of it is medical bills. My car will be paid off in September. My head still has not cleared from this. I have tried to make payment arrangements with the the creditors from the medical debt but the hospital will not budge and is threatening to turn me over to collections. The total debt is $10,000 and they are demanding $205.00 a month. There are 14 other medical bills besides that one. The other half is credit card debt and a loan.

What is the first thing that I should do?

Any help would be greatly appreciated.

First send a brick to your elected officials telling them medical coverage should be the number 1 issue to be resolved for everyone. Why a brick… because they have to see the brick, not crumble it and toss in the trash or delete an email. Elected officials are not doing the will of the people any longer so we need to let them know what is important to us.

Having a $10,000 + medical bill is an unexpected hardship on most everyone and trying to pay in 90 days is just not real. Also making a $200 month payment is not an option for most. I always suggest you send what you can. If the hospital refuses the payment then go to the hospital board. Create a big stink that you are not trying to get out of paying BUT trying to work out what you can afford. Also let them know you appreciate the care you received and highly recommend them!

Thanks for the helpful advice, I am looking that brick right now! My next step will be the hospital board, I didn’t know I had that option and sounds good. I told the hospital that I had every intention of paying, but I just couldn’t afford $205.00 a month and now with no job. The lady was like “that is just too bad.” I received the worst care in that hospital, spiking high fevers and needing medication with no nurse on duty at times because the the nursing shortage. I feel like a victim now just as I did then when I was in there, but I will be okay.

Assistance needed before small claims court date

I have a dental bill that I was unable to pay. They quickly turned it over to a collection agency. This agency kept calling me a work even though I told them personal phone calls were not allowed and I could get in trouble for them.

Then they served me with court documents, by leaving them with a teenage member of my staff to give to me when I arrived for my shift. What I want to know is can I write the collection agency a letter offering a payment, and then a payment plan to avoid going to court? I am in California and am not sure of the rules on any of this. Also the original bill was $855, and the collection agency says with their fees it is now $2435. Can they do this?

Six months without using our credit cards, that is. We have been able to live on our means without using a credit card just to get us through the month. It’s still a long road ahead of us, but this is good for us.