No matter how spiritual we think we are or may wish to be, the simple truth is that we are physical beings. That means we have to deal with the reality of caring and maintaining our physical bodies and dealing with those other physical realities such as paying the bills and keeping a roof over one's head.
In the US, there is much debate in now over the broken health care system. Because most Americans depend on private insurance to pay for their care, the ability to access medical care is based on the health insurance coverage the person has or doesn't have.
With the push for reform much of this sorry state can change. Currently, health reform legislation is being debated in Congress.
But the health insurance industry, feeling threatened, has pulled out stops to blunt changes that would be detrimental to their bottom line. As for profit corporations, their duty to their shareholders is to maximize profit and they do that very well.
Unfortunately, their tactics have serious social costs. The consequence is that many people lack health insurance and many more have coverage with
such big holes, that they face financial ruin over the prospect of a
hospital stay. One study concluded that approximately 50% of people who
go bankrupt do because of a medical problem and of those who do, 75%
start out WITH insurance.
Some tactics are rather questionable ethically. Bill Moyers showed a clip on his show of a woman testifying before Congress of her experience. She had been diagnosed with an aggressive form of breast cancer and was scheduled to go into the hospital the very next day for a double mastectomy. She had been a long-time customer and had cleared the procedure with her carrier.
The day before she was scheduled to be admitted, her carrier called her to say they were dropping her coverage. Her hospital demanded $30,000 upfront-well beyond her means and she was forced to postpone her surgery.
After fighting for several months, her congressman called the president of her carrier personally. With that call, she was put back on the rolls and was able to get her surgery. But in the meantime, her tumor had gotten larger necessitating more extensive treatment.
This practice, of dropping a paid up insured at the time of major illness or the need for and expensive procedure is called recission and it is used by all major carriers. They comb through the insured's records looking for some evidence that the insured hid some condition at the time of application. Often the condition is very minor and unrelated.
The bottom line for us now, if you live or work in the US, is to speak up forcefully to your senators about the need for insurance reform. In Bill Moyers interview this past Friday, Wendell Potter, the former head of CIGNA's PR operations details the tactics the industry is using to derail reform efforts.
It is an eye opening program and I encourage you to watch it and take action. Taking care of yourself physically is the first step to taking care of yourself spiritually.