Uninsured? More Ways to Survive

More than 40 million Americans - including children - have no health insurance. As the economy continues to weaken and good jobs are outsourced to countries where universal care exempts businesses from having to carry the health care burden, millions more are being thrown into the ranks of the uninsured. Then there are those who have changed jobs, and encountered insurers who simply will not cover them due to pre-existing conditions. These days if you’ve ever had treatment for things like acne, high cholesterol or carpel tunnel you can find yourself on the growing list of the “Uninsurable.”

Now, if you don’t mind jumping serious hoops and get an early start in the fiscal year, states do have sliding scale plans and Medicaid allotments. If you are covered by one of these, you do NOT count among the officially uninsured. In my officially “economically depressed” region, approximately two thirds of the citizens qualify for food stamps and medical care, but there’s only enough money to cover less than half of them. The rest simply do without, at least until they simply can’t do without anymore. The cost of indigent care at our few public hospitals is yet another perpetually unpaid bill.

Continue reading »

Necessary Household Basics: First Aid

Clean, Green Living in 3 Cheap, Easy Steps

Part 3: Discouraging Bugs, Treating Boo-Boos

In this last installment of the series examining inexpensive and natural alternatives to the many household products people spend so much money on through the year, I want to look at the basic summertime first aid kit.

My family lives in the “deep woods” that Deep Woods Off^TM was invented to de-bug. We have lots of company during the summer season, adults and children. There’s not much one can do about nasty encounters with aggressive poisonous snakes (copperheads are much more aggressive than timber rattlers, who live in the area but are hardly ever seen) or bone breaks or serious puncture wounds or cuts. Those just have to go to the ER, best thing to do is make that happen as quickly as possible. But there are a host of lesser injuries and situations that can be treated adequately at home, without the fancy, expensive products that contribute so much to a weekly grocery bill.

In the first installment of the series I listed the basic ingredients to purchase - brand name or generic (I get generic, but brands aren’t that much more expensive) borax, baking soda, rubbing alcohol, white vinegar, basic soap flakes (or liquid soap made from your disintegrating bath bars), and added ammonia. In the second installment I gave some recipes for laundry soap, kitchen and bath scouring powders, drain cleaner, surface disinfectants, etc. Now, using the same ingredients (plus a few things from the garden) let’s make the first aid kit and general insect management substances…
Continue reading »

Inexpensive Health Care Tips - 3

Primary and Emergency Care

In response to increasing unaffordability of health insurance in America and justifying his repeated vetos of State Children’s Health Insurance Program [SCHIP] expansions, President George W. Bush declared during an appearance in Cleveland last July that:

“The immediate goal is to make sure there are more people on private insurance plans. I mean, people have access to health care in America. After all, you just go to an emergency room.”

As if that weren’t clueless enough, the New York Times reports today (April 23) that one of the nation’s largest health insurers, UnitedHealth, announced disappointing first-quarter earnings (profits), saying the weakening Economy Has Dented Its Prospects. In short, as premiums rise, employers are dropping insurance plans for their employees, more employees are opting out, and rising unemployment is reflected in increasing numbers of uninsured.

The for-profit industry has also shot itself in the foot by increasing premiums to protect its profits over the quickly rising cost of care, not covering people who may have health problems, and simply refusing to pay for health care for the insured. Medical bills now account for a full half of all bankruptcies in the US, and ER treatment is NOT “free.”

Continue reading »

Inexpensive Health Care Tips - 2

Necessary Medicines

The New York Times reported on Monday, April 14 that Co-Payments Soar for Drugs With High Prices as the nation’s largest health insurers struggle to keep their profits high and their payments for health care low. The new pricing system forces patients taking name-brand medications to pay a percentage of the cost rather than a fixed co-payment of $10 to $30 a month for each medication they take.

The situation, and plans for a public demonstration in San Francisco during the AHIP annual meeting on June 19th are outlined in Insurers target the sickest: Say bye bye to $20 prescription co-pays.

This means that the burden of increasingly expensive health care now affects the insured, who may now have to pay thousands of dollars a month for medications in addition to their high monthly premiums and treatment co-pays and deductibles. America’s sickest citizens are once again being abandoned by a system that was originally designed to spread the costs of their care across a large pool that includes healthier people. Insurers say the new system will keep everyone’s premiums down, just at the time of year that Americans are discovering that they must pay double or more for the same health insurance they had last year. That’s not a very impressive system, considering that all other developed nations on the planet have universal health care.

Thus this installment of the series of inexpensive health care tips will offer some alternatives for obtaining drugs that may be beyond your ability to afford.

Continue reading »

Inexpensive Health Care Tips - Intro

A few months after moving to our mountain retreat I got bit by a tiny deer tick while working to clear the neglected garden for planting. Soon I had fever and swollen glands, seriously painful joints and a nasty rash surrounding the bite site. After a few weeks of this we finally got a little ahead on basics, so I went to the local doctor. He has a little clinic next to the grocery store, comes to town twice a week.

First thing was to check in and lay $60 on the counter up front before the doctor would see me, given that I had no insurance. If I’d had insurance, it would have been $10. Then the assistant took my vitals and I was asked to wait in an overcrowded room with a lot of obese locals and their obese children. I guessed immediately that the primary cause of illness in this rural area had to do with America’s basic poor-person bad diet. But that wasn’t my problem…

$150 worth of in-office blood tests and a ’scrip for a week’s worth of antibiotic later (plus the original $60 just to see him), I found out I’d contracted Lyme disease. He made another appointment for his next in-town day, said he’d give me another week’s worth of antibiotics every week until I was cured. Ha!

Continue reading »

Medical Rationing and Medical Tourism

Something a lot of people in this country don’t know is that the various state and federal health care plans for the poor do not cover most poor people or their children. In other words, you may be on unemployment and food stamps, but if your state has a fixed budget for Medicaid, SCHIP and other programs, you probably won’t get health care coverage. In my state the cap has remained in place for years, so in a region (southern Appalachia) where 3 out of every 5 people qualify for state and federal aid because their incomes are below the poverty line, 1.5 of those 3 won’t get any aid at all.

Then there are the “working poor” - those who work as many hours a day as is possible at as many jobs as they can get, but whose income still falls to poverty level or below. These people generally have no health insurance and no state/federal coverage. Not because they choose not to purchase expensive insurance, but because it’s simply not available to them. And on top of this are all those in the “lower middle class” who may have junk insurance through their employers with deductibles so high they simply cannot afford health care, or whose insurers routinely refuse to cover any and all claims.

And on top of that there is the whole rest of the middle class, who have exactly the same problem with their insurance companies - they simply refuse to pay for health care, leaving all but the very rich (who can pay out of pocket) without usable access to health care and one accident or illness away from bankruptcy.

Continue reading »

Basic Health Care Maintenance: Part II

Garlic!

In Part I of this series we looked at the actual current situation with health care in America, the impossibility of purchasing usable health insurance by increasing millions of citizens barely getting by, and what regular people can do to help themselves. Now that increasing inflation is fully evident - mostly due to $100+ a barrel oil - more and more people whose incomes are not increasing as fast as the costs of living will find themselves beneath the floor after “falling through the cracks.”

Thus it is increasingly important for people living on a shoestring budget to take care of themselves - to do what they can to prevent disease from striking, which translates directly into less need for expensive treatment after the disease has them in dire straits. And the best way to do this is to make the healthiest affordable choices for the food you and your family consumes on a daily basis.

Continue reading »

Basic Health Maintenance: Part I

The Situation: Desperate, as usual

Even as the many politicians line up on both sides of the party divide to try and convince the citizenry they’re the man or woman for ‘The Job’ of cleaning out the mess our current national leadership has made out of D.C. over the past 6 1/2 years, research studies, issue forums and public opinion polls are consistently tracking growing concerns about the state of health care in America. From many worsening indications, it looks like the patient is fading fast.

It’s not just the cost of health care, though at this point a significant majority of the solid middle class is just a single serious illness or accident away from bankruptcy. Rapidly increasing numbers of the insured are discovering that despite paying more for insurance every month than for the mortgage, their for-profit provider will not actually pay for health care. Most insurance companies these days pay whole departments full of people whose only job is to deny coverage. Other companies are requiring larger co-pays and deductibles, even while raising the premiums. And governments have capped the safety net systems (Medicare, Medicaid, SCHIP) so that they can’t accept the millions who have fallen through the cracks.

Continue reading »