I believe something needs to be done to overhaul the healthcare industry but I haven't heard any plan that I think will work. My father is seriously ill and in last 10 months I've had to take him to the emergency room 3 times (well, I took him twice and an ambulance took him the other time!). Each time I saw people using the ER as their family doctor with illnesses such as sore throats, bronchitis and back aches. The closest hospital for us is Catholic and they will treat everyone regardless of whether they have insurance or the ability to pay. My insurance policy would not allow me to go to an ER for a minor illness and I think most policies are the same so that leads me to believe that most of those folks have no insurance. That common cold that would maybe cost a $5-20 copay at a local doctor's office suddenly becomes a major expense and the end result is that someone has to pay so costs are passed on to everyone else.
My parents' have good health insurance and usually their prescriptions are a $5.00 copay (which is nice since my father takes over 20 pills a day). One medication he had to take for a while was $50 for 30 pills I can't imagine how much it would have been without insurance. He's anemic and has to get weekly injections to boost his blood those cost $530 each. A couple months ago his doctor's office called and said that the insurance company wasn't going to pay for the shots any more. His doctor was angry and frustrated, she had some choice words about insurance companies. My one brother and I discussed it and decided we would pay for my father to continue to get the shots without my parents' knowledge (they would be upset if they knew we were paying). Fortunately, the office was so angry over the situation that the manager of the medical group got involved and she said she was going to try to fudge the payment, I guess it worked because they called me to pick up the money and he's still getting the shots. I understand the pharmaceutical companies need to make money but I wonder what it really costs them to produce that injection, I have a hunch they're making a healthy profit at $530/shot. I also know that insurance companies need to watch for unnecessary treatments but looking at his history it's obvious that he's in bad shape and needs all the help he can get. My parents worked hard and paid into insurance all their lives and they shouldn't have to worry now. I'm not hearing either candidate say anything about healthcare that sounds like it would work.