Would You Die to Save Your Family? – Look At This Looming Threat

Most people say yes, when asked if they would die to save even one member of their family.  There are different kinds of saving.  The medical costs of extraordinary measures to preserve vestiges of life in terminal patients are also extraordinary.  Who wants their family members to die?  Anyone?  Of course not.  WE don’t want to die either, but we will die, even though we don’t want to think about it or admit it will happen to us.

The emotional storm which comes with the prospect of death of a loved one more than fogs intellect and reason.  The brain chemistry alone prevents most people from thinking clearly.  People die despite our wishes to the contrary.  The fear, hysteria, anger, confusion, and grief renders any normal person witless.

Historically, death, by itself, did no direct harm to the survivors outside of losing the income that person produced.  But things are vastly different in 2017, when death, especially delaying inevitable death can kill the surviving family financially.  And what is life without money in our society?

But, no one thinks of this when they rush to the hospital, or hear the pronouncement that their loved one has a terminal condition. Doctors do not describe anything as terminal any more.  They use euphemisms provided by insurance companies and lawyers to give doubt and hope to the family, even though the doctors are pretty sure of the outcome.

Family members ask, “what is the prognosis?”  The only answer that is forthcoming comes when the patient is dead.  Cannot get around that one.  That is the least threatening to the families’ financial welfare.

The threat arises when “extraordinary measures” keep the body warm, even though the soul has moved on.  This penchant to “heat the meat” is driven by at least four factors: 1. Doctors do not like patients to die; 2. Families do not like family members to die; 3.  Medical technology can sustain the semblance of life with heart and lung supplements; 4.  The billings are huge.

The other side of “billings are huge” is medical bills are staggering, devastating, unpayable, and strangely enough, not the obligations of the patient, but of his “estate,” which means his family.  How many families have an extra million dollars lying around to cover giant bills?  Except for exempted items, most families lose everything and have to declare bankruptcy.  Sad but true, what the insurance company will skillfully avoid paying lands on the grieving spouse, children, parents, or whoever would be a beneficiary of his estate.

The only approaches I have heard to dealing with this threat are:

  1. Amazing, triple-source, health insurance
  2. Multi-million-dollar life insurance
  3. Planning and legal documents

I can only point you to the issues.  It is up to you to do the research and planning.  If you have not considered this issue, consider yourself warned.

Details Missing in CBO Projected Healthcare Coverage “Losses”

Numbers can deceive when important details are left out.  The recent Congressional Budget Office assessment of the Senate Republican healthcare bill estimated the reduction in the number of people covered by health insurance.

Most of the coverage dropped would be because of state laws, not federal.  The states set Medicaid coverage standards.

Another big chunk of the “losses” would be those who did not want coverage anyway.  Those forced to buy by the mandate penalties.

According to Politico:

<The House Republican health care overhaul would repeal the individual mandate penalty, and according to the CBO, this would be the single biggest driver of raising the uninsured rate by 14 million next year.

“Most of that increase would stem from repealing the penalties associated with the individual mandate,” the CBO report reads. “Some of those people would choose not to have insurance because they chose to be covered by insurance under current law only to avoid paying the penalties, and some people would forgo insurance in response to higher premiums” (emphasis ours).>

Read the entire article at:  http://www.politifact.com/truth-o-meter/statements/2017/mar/22/chris-murphy/house-gop-health-care-bill-would-cause-14-million-/

 

The projected 30% reduction in premiums should help some, but the out-of-pocket costs might still leave some people out.

Who says the people insured are “covered?”  Some people wait more than a month, and then drive 50 miles to see the only doctor who accepts Medicaid, or a high-deductible “bronze” plan from the only remaining insurer.

Bernie Sanders’ assertion that “thousands” of “excess deaths” would result is based on numbers from studies of people with untreated, cancer, heart disease, and diabetes.  This same population could get no or inadequate treatment under Medicaid and low-end health insurance coverage.

And, what if the newly uninsured population is skewed towards young, healthy people who just dropped out?  Would the results be as dire?

Without a detailed demographic breakdown of the CBO numbers, we are left to speculate and infer what we choose.

 

America’s Legacy – Can We Remember on Memorial Day?

Yes, it is Memorial Day weekend, and for many Americans it is another holiday, albeit with precursors to the 4th of July, American flags, and hot dogs.  It seems that we have developed short attention spans, given the acceleration of information, the associated decline in verity, the expansion of scope, the collapse of objectivity, the explosion of assertions, and the evaporation of examination.

This is my 71st Memorial Day; I was born two weeks after Japan surrendered, ending World War II.  Sixty to eighty million died in that horror, about three percent of the over two billion people who inhabited the earth in 1940.

Twenty to twenty-five million military deaths included about five million prisoners of war. Some estimates show thirty-five million civilians died as a direct result of the war, and another twenty million died from disease and starvation.  No one has tallied the deaths and disabilities of the aftermath.  The mental scars darkened the lives of the survivors for generations.

More than four hundred thousand Americans died in that war, with another six hundred seventy thousand wounded.  In other words, one million Americans dead or damaged.

Then, only five years later, America engaged in the Korean “Conflict.”  Thirty-six thousand killed, one hundred three thousand wounded.

Eleven years passed before our official entrance into the Vietnam war.  Fifty-eight thousand killed, one hundred fifty-three thousand wounded.  My brother and I are fortunate, surviving, Vietnam veterans.  We both have friends on the lists of dead and wounded.  My wife’s little brother is one of the fifty-eight thousand.

Our casualties in the Middle East are not final, but six or seven thousand have died, nearly fifty thousand have been wounded.

This is the evidence of our courage and strength, despite the critics of those wars.  Please take a few minutes to remember the grim violence, the constant terror, the pain, agony, suffering, and sacrifice of those men and women, fathers and mothers, brothers and sisters, sons and daughters.

I still cry.