I know that I’m extraordinarily blessed in that I live in a country with a safety net and that my health insurance costs are capped by law. There are a lot of complaints about Dutch medical care, and I’m sure that if I delved deeply enough, I’d find some horror stories. However, in the Netherlands, and in most of Europe, catastrophic illness doesn’t bankrupt the insured. Note that no one here is uninsured – the benefits system is such that a person in straits for whatever reason is still covered. If you’re not in straits, the system requires each person to pay for a basic level of coverage. At the moment, that basic level costs something like EUR 110 per month. (I don’t know the precise number because I take advantage of a higher level.
I don’t know how to address things like GoFundMe pages for people who suffer catastrophic illnesses or emergencies or simply get blindsided by insurance companies that cover ambulance company X, but not ambulance company Y. Too bad that company Y was sent when you called 911. No, it’s not that I don’t know how to address these things, it’s the fact that we’re still stuck in the situation that people aren’t covered for illness by default. When the Clintons tried to work out some kind of universal health coverage in the US in the 90s, they were beaten back by the insurance industry. When Obama tried the same thing, he was beaten almost from the get-go. The fact that he managed to eke some success out of all that political capital, and all that bloody opposition is a credit to the man.
I worked in healthcare for several years in the 90s. My mother was a medical secretary and my stepdad was an EKG tech before he moved into fundraising at the same hospital. So I’ve always had some input and insight as to how these systems work. For an idea, see the history section of the Wikipedia article on health insurance in the US.
Because Franklin Roosevelt sidestepped the issue at the time he was pushing for various reforms in social policy, the medical industries were able to consolidate their efforts against any kind of socialized medicine. By the time Truman took up the gauntlet in 1949, the AMA was prepared. And for 80 years they and the various for-profit healthcare organizations have fought tooth and nail to prevent any kind of socialized care in the US. And because everyone with full-time employment in the US has an insurance option through one of these plans, the money keeps flowing up to the healthcare industry. Woe be to you if you have to work multiple part time jobs to make ends meet, because it’s unlikely any of them will provide you with a company-subsidized option. So no matter what you do, you’re in deep to the industry should you need care. Of course, those who are uninsured or underinsured will hesitate to go to the doctor when there’s something seriously wrong. Heaven forbid the coronavirus gain a foothold in the US, but even without it, those at greatest risk for spreading communicable illnesses are those least able to take the time to get care for them. Even in my office (software company, generous work from home options), I have colleagues who feel compelled for whatever reason to come into the office when they’re seriously ill. (I shared a crowded train with one a couple of weeks ago – he’d been home for a few days, and was obviously still sick, coughing into his hands and rubbing his eyes. Alas, the drug store was all out of hand sanitizer because of the latest rush on the stuff.)
So not a week goes by that I don’t see a GoFundMe call on Facebook from someone whose friend is needing money for catastrophic healthcare costs. One level of compassion is to give something to each of those. This is reasonable, but also ridiculous, given how much money should be in the system but isn’t. Ridiculous because it’s somehow easier and better for those with little enough money already to help each other than for the obscenely wealthy to ease up on the greed in the system. It’s another version of the rich guy, working class guy, and immigrant/poor guy looking at a plate of cookies. As the rich guy takes all but one, he says, ‘Look out, the immigrant’s gonna take your cookie.’
I honestly don’t know what to say anymore about this situation. For several years now, I’ve seen the comment that this is the point at which the French started building guillotines. I think on a gut level we know that in France politics suddenly became bloodsport and didn’t stop until the engineers of the Reign of Terror were themselves sent to the scaffold. We also seem to have sufficient bloodsport/bread/circuses/entertainment to keep us looking the other way as the things we deserve as members of this society, as contributors to the social contract are taken away.
It’s not a just matter of someone less fortunate than we are taking our cookie, it’s that along with all of the other basics that are part of surviving and thriving together, compassion calls on us to fund as individuals what should be funded by society as a whole.
Edited to add this link, posted to cbsnews.com the same day I posted this entry: