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Urban areas tend to have more people with company-paid health insurance.
Urban areas tend to have more people who can afford individual insurance.
Quote:
Originally Posted by chucksnee
Ask that in the urban area with the highest homeless rate and that hands out poop maps....
Nevertheless, the point stands. The urban areas have more money, better benefits and higher incomes overall when compared to rural areas. Also, homeless rural people gravitate towards the cities, they are struggling to survive and that is one strategy they will try.
So what about the hard-working, law abiding productive citizen who gets rheumatoid arthritis and gets laid off because now they're "too expensive" for the company with a disease they caught for no fault of their own?
Is there any particular reason such an individual didn't save/invest for such an occurrence?
Is there any particular reason such an individual didn't save/invest for such an occurrence?
Since the out of control costs of health care in the US, the bill for basic rheumatoid arthritis treatment can run into hundreds of thousands of dollars, easy. The poor kid hit by the DUI driver? Hundreds of thousands of dollars when they were just starting out their profession. Your "personal responsibility" obsession here ignores reality.
--- US health care has gotten so expensive that even the most hard working, thrifty, fiscally careful person cannot save up anywhere near enough savings to cover the cost of catastrophic medical care when something (like RA, or a DUI driver) causes illness or injury that's not their fault and beyond their control. The person who contracted RA in this case was a very, very disciplined worker and saver, if anything upper-middle class by most definitions, worked hard and saved, not the type to indulge in luxuries. The type that people like you would say "did everything right". Didn't matter-- the costs for healthcare in the US are so totally ridiculous that her finances were wrecked when she lost insurance through her employer after contracting RA. Your simply living in a fantasy sort of world if you think that even the most responsible person can save up enough funds to deal with medical costs the way they've risen in the US, which is why the "up by your boot-straps" crowd loses all credibility on this issue. She did all the right things, saved money, never broke any laws and was still treated like dirt, in part because the US is the only country still stupid enough to link health insurance to a job, and even you're the world's best employee, if you develop something like RA (which is very manageable BTW), suddenly you become "expendable". This is why the US health care and insurance system is fundamentally broken, and why the US has millions of medical bankruptcies, the only country basically to have them at all, which makes it hard to even call us a 1st world country anymore.
--- What about the cases when someone is just starting out their career and hasn't had the opportunity to build savings yet? The kid hit by the DUI driver was, again very responsible fiscally and other ways, no college or credit card debt even though grad students don't make much, lived frugally, got good training in a STEM field and was preparing to do internships and start a good job. Again, your narrow view of the world completely fails to account for simple realities for people in the real world, in this case there was no way the kid could build up the savings to deal with such ridiculous costs when he was just starting his career, and even if had built up savings, the costs are too ridiculously high for anyone to deal with. And this is a real loss for America, this is the kind of bright kid in a STEM field who works productively, discovers innovations and starts businesses that employ other Americans. Instead he'll be dealing with the financial wreckage from an event he had no control over, was not his fault and could not possibly have saved up or prepared for. He was understandably pretty embittered about the way he was treated and when he is recovered, financially and physically, he'll probably join the brain drain of Americans emigrating abroad to other developed countries where they don't have to fear bankruptcy and total ruin for the kinds of misfortunes that can hit anyone no matter how well prepared.
Since the out of control costs of health care in the US, the bill for basic rheumatoid arthritis treatment can run into hundreds of thousands of dollars, easy. The poor kid hit by the DUI driver? Hundreds of thousands of dollars when they were just starting out their profession. Your "personal responsibility" obsession here ignores reality.
--- US health care has gotten so expensive that even the most hard working, thrifty, fiscally careful person cannot save up anywhere near enough savings to cover the cost of catastrophic medical care when something (like RA, or a DUI driver) causes illness or injury that's not their fault and beyond their control. The person who contracted RA in this case was a very, very disciplined worker and saver, if anything upper-middle class by most definitions, worked hard and saved, not the type to indulge in luxuries. The type that people like you would say "did everything right". Didn't matter-- the costs for healthcare in the US are so totally ridiculous that her finances were wrecked when she lost insurance through her employer after contracting RA. Your simply living in a fantasy sort of world if you think that even the most responsible person can save up enough funds to deal with medical costs the way they've risen in the US, which is why the "up by your boot-straps" crowd loses all credibility on this issue. She did all the right things, saved money, never broke any laws and was still treated like dirt, in part because the US is the only country still stupid enough to link health insurance to a job, and even you're the world's best employee, if you develop something like RA (which is very manageable BTW), suddenly you become "expendable". This is why the US health care and insurance system is fundamentally broken, and why the US has millions of medical bankruptcies, the only country basically to have them at all, which makes it hard to even call us a 1st world country anymore.
--- What about the cases when someone is just starting out their career and hasn't had the opportunity to build savings yet? The kid hit by the DUI driver was, again very responsible fiscally and other ways, no college or credit card debt even though grad students don't make much, lived frugally, got good training in a STEM field and was preparing to do internships and start a good job. Again, your narrow view of the world completely fails to account for simple realities for people in the real world, in this case there was no way the kid could build up the savings to deal with such ridiculous costs when he was just starting his career, and even if had built up savings, the costs are too ridiculously high for anyone to deal with. And this is a real loss for America, this is the kind of bright kid in a STEM field who works productively, discovers innovations and starts businesses that employ other Americans. Instead he'll be dealing with the financial wreckage from an event he had no control over, was not his fault and could not possibly have saved up or prepared for. He was understandably pretty embittered about the way he was treated and when he is recovered, financially and physically, he'll probably join the brain drain of Americans emigrating abroad to other developed countries where they don't have to fear bankruptcy and total ruin for the kinds of misfortunes that can hit anyone no matter how well prepared.
Unfortunately the conservative answer in all these cases is just die already. Compassion for them is weakness,
Since the out of control costs of health care in the US, the bill for basic rheumatoid arthritis treatment can run into hundreds of thousands of dollars, easy. The poor kid hit by the DUI driver? Hundreds of thousands of dollars when they were just starting out their profession. Your "personal responsibility" obsession here ignores reality.
Why isn't the DUI driver paying? And health care isn't a right. No one is actually owed medical treatment for rheumatoid arthritis, or anything else, merely because they exist. That's just the way it is.
Why isn't the DUI driver paying? And health care isn't a right. No one is actually owed medical treatment for rheumatoid arthritis, or anything else, merely because they exist. That's just the way it is.
Mandated driver liability is of course too low if you've ever been in a bad accident where a typical driver is at fault. Been there, done that.
I agree that HC isn't a natural right, but IMO a rich, advanced and caring nation should make it as close as sensibly possible. We don't have to let things remain as they are. We the people can improve upon it. And IMO we will continue to move forward incrementally towards more universal care as we have been doing for the 40+ years I've been in medicine. IMO more of us care than don't.
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