Healthcare and College
By AidaLily
@AidaLily (1450)
United States
February 22, 2013 12:32pm CST
This is meant to be a serious discussion with no real push towards either side of the political spectrum. It is more a discussion about what people think may help to fix the problem not their issues with politics hence why it is in the USA section and not the POLITICS section.
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There are many people without healthcare who simply can't afford it. Now I've been wondering if the rising costs of healthcare have to do with going to college for health professions in the USA. I am interested in hearing people's responses that DO NOT have to do with our obviously corrupt government officials on both sides. (The following numbers are just random but not far off from actual numbers seen on medical bills.... higher or lower depending on area)
-The doctor's office-
You get sick and should probably see a doctor. You call and make an appointment. Once you go to the doctor's office. You sign in, sign some other papers and then wait up to 30 minutes for your physician. You go in, get asked questions, get diagnosed and then leave.
A few days later you get your doctor's office bill. You have to pay $350 for your visit. The doctor's fee is $200.00. Then you have the things that were used during your visit and the minor lab fees. On top of that, you have no insurance so your medications cost you about $40.
-The Hospital-
You need to go to the ER and you are very sick. You could barely move and thus you had to take an ambulance. You get to the ER. You wait for a doctor and the doctor comes in, orders some tests you probably don't need, orders for some medications to be given, and then after a bit you are cleared to go.
A bit later you get the bill. Not only were you charged $800 for your ER visit as in the room. The doctor's fee was a total of $350. The medication you were given which was equivalent to Motrin costs $60 when the same medication would have cost you about $6 at the local grocery store. Another $400 for tests and lab fees and then the ambulance costs you $100 on top of whatever you had to pay in prescriptions let's say it was $80. So roughly about $1,790.
If you have insurance for either, they may not completely cover your expenses or raise your premiums the next year.
What does that have to do with college?
To become a doctor you have to get a bachelor's degree and then go to med school. In some places, a master's degree is required before starting med school. Medical assisting degrees/certificates aren't that cheap either. Many insurance companies prefer to have people with bachelor's degrees in accounting, finance, business and a few others in order to discuss how much should be paid from the company and how much they need to get from the people etc. And pharmacists and pharmacy researches and more also pay a lot for school.
Which means the majority of people who are in these professions probably have student loans (either private or federal) to pay off. In order for them to make enough money, they charge high prices for even the most routine of care or for insurance high deductibles or include co-pays.
This is only one theory but by this logic, health care prices truly go up as college goes up since these people need to pay off expensive loans be it federal or private from their schooling.
Do you think that the cost of college in the U.S. for medical and business type (insurance only for this question) degrees has an affect on how much our healthcare system costs? Do you think that is why most doctors will ask you to take more tests than you need in order to all parties involved to make more money to pay off their own debts? Do you think this is a fair trade off or that for some of their care they should recalculate the amounts they are charging you?
2 responses
@bobmnu (8157)
• United States
27 Feb 13
There is more than just college cost that go into a Dr Fee. I go to a small clinic that has 5 Dr. I see the same Dr each time. In order to run the clinic they need a nurse for each Dr. then there's the receptionist who great you and get all your information. There there are two billing clerks one for insurance and one for medicare and medicaid There are about 3 or 4 medical records people who transcribe and file the patient information and finally there are two people in the lab to perform the blood tests and other tests.
One of the suggestions is to have everyone have a medical savings account and pay for their own health care rather than insurance. One of the medical savings account plans I heard of was one that covered 100% of your medical and hospital expense with a $5,000 yearly deductible. The premium was very low and the difference could be put in the Medical Savings and carried over year to year so that when it came time to move to a nursing home you had the money to pay for it. many employers like this plan because they save the cost of the insurance preimums and in return they match up to a certain amount of what you can put into a Medical Savings account every year. The insurance would go to about $100 a month instead of $1500 a month in the matter of a few months the company could put in $2500 or half of your deductible and pay your insurance and be money ahead. Why does this work because if something does not cost you anything you will use it as often as you can but if you have to pay it (you would be paying up front and could take the money from you MSA later) first you think twice before you go to the Dr. You are making the medical choices not the government or the insurance company.
@teotimoponcerosacena (1551)
• Philippines
23 Feb 13
Maybe you are partly right but I don't believed they are doing it for more money. They have their sworn pledge of commitment to do the best. However we are now in the advance technology and a tight competition, for me Doctors just want to make it sure that there will no space for mistakes. What I can say is that people must be aware of their health personally and always remember they are the best doctors for themselves. If manageable and no need for a doctor then there's no need to go to the Hospital or clinic for consultations there are many Health kit for sale in the market and books to read and how to apply I think it is one way to cut Health Check-up I am now at 59 years old going sixty but my body figures and health is of the thirty's and I have consulted only three times for whole of my life and the latest was a year ago for my sugar and it was stabilized and I did bought a machine to monitor one's in a while my blood sugar.