Posts tagged ‘insurance’

August 18, 2011

Doctor’s visit

by pastortimfowler

My wife and I are among the many who do not have health insurance. Because of this we do not go to the doctor very often. Even when we had insurance, years ago, we did not go that often. I hear people complain all the time about how much their out-of-pocket expenses are even with insurance and have to fight back the laughter. They are complaining about paying $20-50 in co pays for an office visit and we just paid a lot more than that. Even at ten times what your deductible is, this visit was cheaper without insurance. How? Because you are paying for your insurance every paycheck whether you go to the doctor or not.
Don’t get me wrong, I would love to have insurance for when something major happens. But for regular illness and injury stuff, I had just as soon pay them out-of-pocket. At least then I can negotiate and ask for options without an insurance company to tell me what I have to do.
So you are probably thinking that I don’t like insurance companies. Wrong. I could care less about them. What I don’t like is how people think that insurance is such a great deal and use it all the time. If more people would quit using insurance to cover colds and sniffles and bumps and bruises, all of our medical costs would go down, and the cost of insurance would too. Doctors can’t cure the common cold, make a bruise or pulled muscle heal any faster or prevent you from ever getting sick or injured. With the way people flood the doctors with trivial stuff that would get better on its own, doctors spend far less time than they need to on the big issues that require their services. I wonder how much better attention a patient with a major illness would get if the doctor had not just treated 10 snotty nosed kids who have a cold.
God made our bodies to be amazingly resilient. They can and do fight of all sorts of germs and viruses. They can mend cuts, tears, and bruises. They learn to make defenses against the germs that make us sick and do an incredible job at it, without the aid of a doctor. Believe it or not, most pills only help the symptoms not heal the problem. Sure they can aid in the work that you body does, but rarely do you get better any faster.
I do believe in some preventive medicine. Immunizations are great at keeping us safe from some pretty nasty stuff. Eating well and exercising are good to maintain a healthy weight and fend off illnesses cause by being overweight. Doctors are experts at spotting certain things that can be stopped early, like cancers, and as we age there are things they can help monitor in order to begin treatment as soon as possible to extend our life expectancy.
My point of this is in hopes of people getting back to some common sense living. Insurance companies are not evil. They do not exist to offer us the cheapest possible medical care possible. The exist to make money. That is what companies do in America. If companies don’t make money, you don’t have a job. Making money is not wrong and we can’t blame insurance companies for it either. If you don’t want them to make so much money, quit using them so much. Cut back on coverage. Pay for more stuff out-of-pocket. Let you body and your kid’s bodies heal themselves like God designed them to do.
Can you imagine what it would be like if we used car insurance like we use our health insurance? If every time we were due for an oil change, we filed a claim, flat tire, file a claim, wiper blades, file a claim. No one would be able to afford auto insurance and those who didn’t have it would pay outrageous prices for what is now very common procedures, or not get them done at all.
Thankfully, my wife’s appointment went fairly well. She had a few minor issues, a few screws loose, (haha), and got a few prescriptions. We have the money in the bank, or had it there, and we have found that we both could lose a few pounds, so not eating every other day will help there since the money is now gone. This was a needed visit though and I am glad that we did not have to have insurance just so she could go.
There was a day when our moms would give us some soup and juice and a warm blanket and love us through the sniffles. She would put a band-aid on the cut after she boiled it out with peroxide and we rarely saw the doctor. Maybe we need to return to some of that and quit having so many trips to the doctor’s office.

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