Comments: Skipping the Mascara

I'm going to chime in on that. From a "feel good" standpoint insurance companies probably should pick up the cost of this screening. It is a proven low-tech life saver (and money saver as well, since these cancers are curable if caught early). But insurance companies are businesses, and they must make decisions that are in their financial best interest as well. Some of them must have determined that covering this test is not beneficial to their bottom line. If you run a business, how do you determine what goods and services to provide? IF we had a better ability to individually purchase insurance from whichever vendor we wanted, then we would be able to reward those companies which valued our business and catered to our needs. In fact, we probably do have this ability to some extent - if we want to purchase an additional private policy. Most of us would probably balk at the cost of that and would prefer simply to pay for the test. Truth to tell, I would like to dial back the clock to an era when people DID pay for routine care and lab work out of pocket and saved the insurance for the big stuff! It would help to hold the cost of both care and premiums down! Additionally, I would like it to be a disincentive to employers to purchase their employees' coverage. As bulk shoppers, we enjoy the benefits of discount prices, but we also are limited in choice.

Instead of griping at the insurance companies about priorities, how about if we also assume some? It's not the most expensive test in the world. Pay for it as you would any other annoying but necessary expense. It is certainly no greater financial hardship than paying for a car repair, or for a dental bill for that matter (most dental policies have a fairly low annual cap that is easily exhausted some years).

And if the dipshits in DC really wanted to make care affordable and available and personalized, they could do it in a heartbeat without ramming a goddamned new bureaucratic monstrosity down our unwilling throats. The government as an additional "competitor"? Please. They should at least credit us with being able to recognize what a load that is. Competition would increase if employers were not the primary procurers of health insurance benefits (we have the government to thank for that, actually) and a change to a tax law would work. Lose your job, lose your insurance? COBRA - why should we have to need it? What a bunch of BS! I'd be willing to pay more in premiums than we are now if it meant more money left in the paycheck along with the ability to shop around and to NOT lose insurance if you lose a job! And insurance companies would be far more compelled to listen to individual purchasers if there were more of them. Ok, I'll stop griping now. Sorry so long winded. I will understand if you decide not to post this!

Posted by PeggyU at January 6, 2010 04:12 AM

My husband lost his job. We had COBRA until the end of December. Continuation of it was too expensive. My children and I are now without health insurance of any kind.

Scares the hell out of me, truth be told.
Cancer runs in my family. My mother recently had skin cancer, and about 30 years ago had cervical cancer. Luckily it was caught early and removed. My grandmother had colorectal cancer. Several of my aunts/uncles have one form of cancer or another.

I am about the age my mother was when her cervical cancer was found.

Yeah, scared to death I am.
Even so, I DO NOT want the crap Barry, Harry & Scary are trying to push down our throats!

And Bou- **hugs** I know how hard it is for you to see another passing.

Posted by Rave at January 6, 2010 10:07 AM

Rave, if you hubby is unemployed he should be able to get health insurance through the state or federal government program especially for unemployed families.

I am always getting stuff in the mail about it.

And we can thank the Obama admin for insurance companies now dropping yearly pap tests.

Posted by Quality Weenie at January 6, 2010 10:46 AM

Here in the UK, where we have *free* screening for most types of cancer, not everyone takes advantage as seen here;
http://news.bbc.co.uk/1/hi/health/8443688.stm
Now, I am not saying our national health service is perfect, far from it, but the screening is there, and freely available and still people are "Too busy" to take advantage.

Posted by bx19 at January 7, 2010 05:12 AM

Hugs to you Bou... And good call on the Ziti. :)

Posted by Richmond at January 7, 2010 09:14 AM