Dear Mr. President,
I think you are doing a great job, and you are right to put a great emphasis on our broken health care system.
I have been a chiropractor since 1982 and have a small practice in a small town in northern Vermont. About 1/3 of my patients have Medicare, 1/3 have Medicaid and the rest are a mix of insurance ( Blue Cross, MVP/Landmark & CIGNA) and cash.
The cash patients either do not have insurance for financial reasons or because they don’t want it. You read that right, about 15% of my patients do not have health insurance because they do not want it. Why?
Because insurance does not cover the type of practitioners they like to see, or has some severe restrictions on how often they can go to their chosen doctor. Or because they have to see a series of doctors to get a referral to the one they really want to see. Some because they are sensitive or allergic to many medications, and so the medical system has nothing left to offer them. Some would rather try going to a nutritionist or try acupuncture, foot reflexology, massage, herbal remedies, Reiki or a naturopath or homeopath.
A growing number of Baby Boomers especially are more interested than ever in natural healing, but the closest their insurance coverage can come up with is Ibuprofen, rest and physical therapy. Nothing wrong with PT, but it can’t solve every problem.
All of my patients are worried about what would be covered with their new insurance after the health care coverage revolution gets worked out. Many of them think it is too late to save the insurance/health care industry.
As much as insurance companies are now pushing prevention, because they think that is what everyone wants to hear, they would rather put you on insulin in 20 years than pay for a nutritional consultation or a gym membership today. And one company recently sent it’s subscribers a “Do you really need to see the chiropractor?” letter. (This same company, when you call about a claim you speak to someone in India.)
Also, many of us worry about what type of insurance they will be forced to buy or else face a penalty when they pay their taxes. In Vermont we have fought very hard for our insurance equality laws, and all that did was make a lot of insurers leave our state so now we have even less choices.
My patients are worried that they will have to pay money they can ill afford to cover medical care they will not use, except in emergencies. They complain that when they did have insurance they never got to use it because they could never ever meet their high deductible.
Our family has owned small businesses for many years. We had to drop our own health insurance several years ago. In 2009 we paid about $200 to medical doctors for a family of four (that was for one visit). This yearly visit is only necessary because one family member has asthma & needs an inhaler prescription. The inhaler prescription is paid for in cash, about 4-6x per year at $120 per.
Why would we want to pay even $100 a month for any kind of health care when we spend less than $1000 on potentially covered medical expenses per year? We do have accident coverage for about $70 per month with no deductible and $25 copay.
What worries me too, is that no one I have spoken to, not one patient, friend or acquaintance knew what the new health care bill would be like if it did pass. The citizens are the ones who should be voting on this issue, because it is our dollars, our health and our lives that are at stake.
Sincerely,
Nancy Fuller, D.C.