Navigating Healthcare in America: The Struggle Without Affordable Options

Access to healthcare is a fundamental right, yet in the United States, many individuals struggle to afford or access medical care. This article delves into the barriers faced by those without free or affordable healthcare and explores the necessity of Medicare for All.

The Confusing Healthcare System

The healthcare system in the United States is notoriously complex and often confounding. Coverage is mandatory, yet the quality and scope of insurance can vary widely. For instance, I pay $600 a month for my insurance, which only covers 'OK' visits, with primary care costing $30 and specialists $60 per visit. These costs exclude potential future charges that may arise. Insurance companies typically cover 100% of check-ups, but even then, there can be out-of-pocket expenses.

Some individuals with more substantial incomes receive superior care, while others receive subpar services for less. There are also those who may have low-cost insurance but receive minimal coverage. This disparity highlights the need for a more equitable system.

Healthcare for Children and Low-Income Families

One fortunate avenue for healthcare exists through the Affordable Care Act (ACA), also known as the Affordable Health Insurance Act. Under this act, the government may subsidize or fully cover monthly health insurance bills for individuals based on their income. However, this avenue is primarily accessible to those under 18, as long as their parents can complete the necessary paperwork. The act does little for adults, leaving them to navigate a healthcare landscape fraught with financial burdens.

The Necessity of Medicare for All

The story of one individual, who requires costly treatments and cannot afford them, underscores the need for reform. They take a medication called Entyvio, which can cost $36,000 per hospital-dosed administration and $5,000 from their personal funds. In an effort to avoid more substantial financial strain, they make minimum monthly payments, hoping the insurance company will eventually cover the rest. This scenario is typical for many individuals struggling with serious medical conditions.

Further complicating matters, Medicaid and Medicare can be problematic. Medicaid is a robust program but comes with strict eligibility criteria, while Medicare benefits are limited unless one qualifies based on age or disability. The aforementioned individual has to rely on government insurance but experiences poor treatment at medical facilities, particularly those in certain states like Louisiana.

Consequences of Inability to Pay Hospital Bills

Another significant issue is the lack of clear guidelines for non-payment of hospital bills. Patients are required to sign papers promising to pay for services, but the actual bills often do not arrive for several months. This lack of transparency can cause unnecessary panic, especially among individuals who are homeless. The healthcare system is designed to deny treatment to those who cannot pay upfront, creating a cycle of debt and systemic barriers to care.

Reform and the Case for Medicare for All

Given the myriad issues with the current system, many advocate for the implementation of Medicare for All, which would provide universal healthcare coverage to all Americans. This system would ensure that everyone has access to healthcare without the burden of debt or discrimination. It would remove the financial barriers that prevent individuals from seeking necessary medical care, improve public health, and enhance the overall well-being of the nation.

Conclusion

Access to healthcare is not just a moral imperative; it is essential for the health and prosperity of society. The current system in the United States is fraught with inequities, where those with means receive the best care, and those without struggle to survive. The calls for Medicare for All underscore the need for a systemic overhaul to ensure that everyone has access to the medical care they need.