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A Broken System

https://www.pexels.com/photo/ambulance-architecture-building-business-263402/ 
 
    When I read through the prompt for the rational argument paper, I struggled to brainstorm the perfect subject to dig into for this project. I thought about technologies like autonomous vehicles, the right way to harvest energies from the environment, and even whether or not the United States should have a military presence in other nations. None of the subjects really seemed to stand out immediately, so I moved on from generally gathering research and started working on another item on my 'To-Do List'; finding the best option for my family's health insurance in 2021.


    For those of you who are lucky enough to not weigh the stresses of guessing how much health coverage your family will need in the coming year, I am jealous. I have worked tirelessly collecting data in an excel spreadsheet with each plan's premium, copay, coinsurance, deductible for the family and the individual as well as the out of pocket maximums. After gathering all of this information (and no, the information is not spelled out for you easily), I then formulated how much each plan would theoretically cost if our family was to reach the deductible and out-of-pocket max on each plan. To my surprise, not only was each plan WAY more expensive than it should be, but the more expensive plan was no
t always the best option. The most striking thing about the numbers I crunched is that if our family were to reach the out-of-pocket maximums on all of the plans I reviewed, we would reach a total between $40,000- $48,000 owed to our insurance company by the end of the year. Then it hit me. I need to write my paper about the healthcare system in its current state and how it is in no way beneficial to the patients' health or financial stability. 


    After researching too much and having so many tabs open on my computer that the dreaded spinning rainbow wheel was a common visitor, I formulated a logical description on why 2020 is the best time to look at how healthcare should be to benefit the people and not the corporations.

Comments

  1. dr. kyburzDecember 22, 2020 at 12:13 PM

    Sobering post, Pat. So many reasons to reform healthcare in our country!!

    ReplyDelete

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