The following is what is commonly called ‘a rant,’ and should be taken as such. It may contain many truths but also many exaggerations. — The Editor
On of the arguments we frequently hear in the current debate about healthcare is that of choice and freedom. We seem rather confused about the exact meaning of these words as they apply to health care, however. FDR and a progressive would view healthcare “freedom” as access and treatment for all; while a more traditional use would mean one has the right, according to his ability, to seek the best treatment available. Complicating the discussion is the traditional, near sacred view we give to the practice of medicine. A doctor’s first duty is “to do no harm,” with the doctor bearing a moral obligation the doctor-patient relationship is granted a special place of privacy and trust within society and law.
Consider how in this normally works: a patient has a problem, and goes to his doctor seeking advice. The doctor, taking the entire situation into consideration, advises the best course of treatment. The patient receives this treatment and pays the doctor back as he is able–in the history books, many times that was in chickens, eggs or some other commodity rather than cash. The doctor has always preformed charity work, but has always been well paid as well. In modern times the landscape is quite different. The doctor still sees the patient and advises treatment, many times involving modern technologies and methods that he himself does not oversee. Marvelous as technology and modern medicine is, the costs associated with involving multiple layers of treatment–physician, x-ray, technicians, lab tests, advanced drugs and so forth–is fairly large. Fundamental to our debate is the understanding that health care is expensive.
Since the 40s and 50s, we’ve developed insurance plans, HMOs, shared-cost plans and other forms of spreading the cost that also add several layers of cost and bureaucracy to the final bill. A visit to my doctor may only cost me a $20 co-pay, but my doctor has to submit a claim which must be reviewed by an insurance company which must write a check to pay my doctor for services I received. Meanwhile, I and my fellow insurance plan members are paying into a giant bucket of money that is being spread around to cover the various doctor bills each of us accrue. Currently employers subsidize much of this cost, helping to hide the true cost of a doctors visit or surgery.
Now is a system like this free choice? Many would say yes, but realize that ultimately the insurance company is calling the shots on your treatment so as not to bankrupt itself and its members. Cancer patients usually find this out when they hit the $50,000 or $100,000 cap on treatment many companies impose. I’m not bashing the companies for being heartless, they have to make their ends meet and provide the best standard of care they can to all. I am saying that insurance is not a means of treatment, but merely a cost-sharing mechanism within a certain group of people. When everyone uses it too much, however, the system breaks down. And when a single night in the hospital can cost upwards of $1000, even the little things can easily break the bank.
Healthcare costs are out of control, and the current “system” of third party payments cannot bear the rising costs much longer. As babyboomers retire, reducing the ratio of worker to beneficiary to nearly 2:1 levels, something has to give before doctors stop practicing and hospitals close down. The problem is that it takes money–and lots of it–to have true freedom in health care. People who say they merely want to keep their current plan or doctor are right to want that–but they cannot expect someone else to pay for it. The careful balance of the past that gave relative freedom and choice along with lower costs won’t last much longer.
There are lots of things that can be changed. Medical providers can reduce costs, simplify their payment structure, medical malpractice tort laws (“lawyer enrichment”) can be severely curtailed, bureaucratic paper work can be cut down, people can live healthier. But health care is fundamentally expensive, and if you want true “healthcare freedom” you need to either pay for it yourself or have a completely subsidized and generously funded state-system of doctors and hospitals that treats all regardless of condition or practicality. Neither is likely to be fully the case, but I’d prefer a system where I maintain the responsibility of decisions and costs over a government system hamstringed unsupportable burdens. The traditional practice of medicine left few untreated, perhaps we should stop seeking a system and instead turn responsibility back over to those who know best how to use it.