Skip to main content

On Sunday, I fell victim to the lawn mower.  As I was mowing the lawn, I hit a 3"x1"x2" chunk of basalt.  My shin was the victim.  Seeing my shin bone through the wound convinced me that I needed to pop by the local ER and get a stitch or three.  

First off, going to the ER is an option for me because I have a decent job that provides okay health insurance.  Maybe using the word "okay" is being charitable, but we have to be thankful that we have any,

Walking into the ER, I went to the desk and explained why I was there.  I was asked to fill out the standard forms and present my insurance card.  After that, I was seen by a doctor and received x-rays, to see if my tibia was cracked or if any bone chips were in my skin.  Then I received a proper scrubbing and three stitches and sent on my merry way.

Sounds great doesn't it.  In and out with "the best healthcare in the world", right.  Well, sure, until you start to think about the bill.  For my little mishap, I have to pay $100 copay for the emergency room visit, 20% of all other "reasonable and customary" fees and 100% of any charges above the dubious "reasonable and customary" amounts.

How much do you think 4 x-rays are going to run me?  Or the suture kit?  Or the doctor fees?  Or any of the other hospital charges?  This is easily going to end up costing me $500 and maybe even more.  And I have Insurance which I happen to pay around $5000/year to have.

I don't know about you, but I don't just have $500 laying around.  No, it's not life threatening.  Nor is it going to cause me to miss a house payment.  But I may not be able to pay it off by the end of the first month.  So that costs me even more to the credit card company.

But what should I have done?  Not gone for medical attention?  Treat it myself?  Then maybe a piece of bone did break off and it gets infected.  Or maybe I decide it's ok to go running in a couple of days but I don't know my tibia has a hairline fracture and I break my leg.  Then it's a visit to the ER in much more urgent situation and it costs me even more.

This is an isolated event, but how many of you go skateboarding, skiing, roller blading, rock climbing, mow the lawn, do other yard work or simply walk down stairs.  Stuff happens to people.

Not only is it bad for me, it's bad for retailers. That $500 isn't coming out of the air.  Since I have to spend it on an injury, I am not going to spend that money at a store.  It also means I am going to start putting more into savings, so that when something like this happens again (and it will), I'll have the money available to cover my healthcare fees.  Meaning that money won't be out stimulating the economy.

All around, my little incident and ones like it cost the economy a great deal of money.

We need a public option and we need it now.

Originally posted to rebeleyeball on Tue Jun 23, 2009 at 11:20 PM PDT.

Tags

Poll

What should healthcare reform look like

5%4 votes
8%7 votes
85%68 votes
1%1 votes

| 80 votes | Vote | Results

EMAIL TO A FRIEND X
Your Email has been sent.
You must add at least one tag to this diary before publishing it.

Add keywords that describe this diary. Separate multiple keywords with commas.
Tagging tips - Search For Tags - Browse For Tags

?

More Tagging tips:

A tag is a way to search for this diary. If someone is searching for "Barack Obama," is this a diary they'd be trying to find?

Use a person's full name, without any title. Senator Obama may become President Obama, and Michelle Obama might run for office.

If your diary covers an election or elected official, use election tags, which are generally the state abbreviation followed by the office. CA-01 is the first district House seat. CA-Sen covers both senate races. NY-GOV covers the New York governor's race.

Tags do not compound: that is, "education reform" is a completely different tag from "education". A tag like "reform" alone is probably not meaningful.

Consider if one or more of these tags fits your diary: Civil Rights, Community, Congress, Culture, Economy, Education, Elections, Energy, Environment, Health Care, International, Labor, Law, Media, Meta, National Security, Science, Transportation, or White House. If your diary is specific to a state, consider adding the state (California, Texas, etc). Keep in mind, though, that there are many wonderful and important diaries that don't fit in any of these tags. Don't worry if yours doesn't.

You can add a private note to this diary when hotlisting it:
Are you sure you want to remove this diary from your hotlist?
Are you sure you want to remove your recommendation? You can only recommend a diary once, so you will not be able to re-recommend it afterwards.
Rescue this diary, and add a note:
Are you sure you want to remove this diary from Rescue?
Choose where to republish this diary. The diary will be added to the queue for that group. Publish it from the queue to make it appear.

You must be a member of a group to use this feature.

Add a quick update to your diary without changing the diary itself:
Are you sure you want to remove this diary?
(The diary will be removed from the site and returned to your drafts for further editing.)
(The diary will be removed.)
Are you sure you want to save these changes to the published diary?

Comment Preferences

Subscribe or Donate to support Daily Kos.

Click here for the mobile view of the site