But we do. It takes many different forms. It is commonplace for health insurance companies and HMOs to deny patients beneficial treatment. They find a variety of excuses for doing so, and may not openly admit it, but we all know that it happens. Medicare rations drugs by requiring co-payments that many patients can't afford. Emergency rooms ration care by making people wait so long in line that some just give up and go away" (Singer 2011).
Question 3
The recent decimation of many retirement funds means that more and more members of the elderly are eligible for both Medicare and Medicaid. The elderly on fixed incomes often struggle to afford medications not currently covered within the provisions of Medicare because of the "doughnut hole" in prescription drug coverage in the Medicare Prescription Drug, Improvement and Modernization Act of 2003. The most logical solution is one which is currently experiencing tremendous political resistance, however, namely to add new individuals to the insurance who are not chronically ill or elderly. One of the advantages of national healthcare, or at very least a healthcare system where everyone is required to have some type of insurance is that the 'risk pool' is much larger. "Adding young healthy Americans to the insurance rolls means a: society doesn't pick up the exorbitant tab when they get injured and end up at the emergency room and b: Because the under 26 crowd tends not to get sick, adding them to the insurance pools helps bring the very balance that was intended by the new law. The more healthy people available to pay for those in the pool who are ill (translation -- the older people), the better the system works and the lower our premium charges should go. The individual mandate [in the 2011 healthcare legislation] that requires everyone to get insurance would obviously have the same effect, on an even larger scale" (Leonard 2011).
Additional Discussion Question
The...
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