Really not funny

One of the things that makes me most nervous about this country is the truly catastrophic consequences of serious illness here - getting cancer, or anything that requires serious expensive treatment, is often a quick route to bankruptcy, and frequently a guarantee of an unnecessary death once your resources do run out.

The idea of relying on private enterprise to 'insure' your health care always struck me as pretty dubious, and after encountering it at close range, and hearing a few of the many many many horror stories about how this has resulted in its victims being purged from the books once they start costing money, rather than just coughing up their cash, this has just been reinforced for me, over and over and over.

I mean, the NHS in England was pretty shoddy and embarassing at times, by NZ public health standards, but that was more or less in keeping with the English attitude to service, labour, and ... well everything to be honest. At least it was cheap, tho - something like 5% of GDP, compared to the 14% of GDP that the American system swallows (although to be fair I think that should be noted as 10% of GDP spent of health care and another 4% spent on health care insurance companies).

However, the occasional callousness and dirtyness of the NHS is as nothing compared to the utter barbarity of things like this:

One after another, shortly after a diagnosis of breast cancer, each of the women learned that her health insurance had been canceled. First there was Yenny Hsu, who lived and worked in Los Angeles. Later, Robin Beaton, a registered nurse from Texas. And then, most recently, there was Patricia Relling, a successful art gallery owner and interior designer from Louisville, Kentucky.
None of the women knew about the others. But besides their similar narratives, they had something else in common: Their health insurance carriers were subsidiaries of WellPoint, which has 33.7 million policyholders -- more than any other health insurance company in the United States.
The women all paid their premiums on time. Before they fell ill, none had any problems with their insurance. Initially, they believed their policies had been canceled by mistake.
They had no idea that WellPoint was using a computer algorithm that automatically targeted them and every other policyholder recently diagnosed with breast cancer. The software triggered an immediate fraud investigation, as the company searched for some pretext to drop their policies, according to government regulators and investigators.
Once the women were singled out, they say, the insurer then canceled their policies based on either erroneous or flimsy information. WellPoint declined to comment on the women's specific cases without a signed waiver from them, citing privacy laws.
That tens of thousands of Americans lost their health insurance shortly after being diagnosed with life-threatening, expensive medical conditions has been well documented by law enforcement agencies, state regulators and a congressional committee. Insurance companies have used the practice, known as "rescission," for years. And a congressional committee last year said WellPoint was one of the worst offenders.
But WellPoint also has specifically targeted women with breast cancer for aggressive investigation with the intent to cancel their policies, federal investigators told Reuters. The revelation is especially striking for a company whose CEO and president, Angela Braly, has earned plaudits for how her company improved the medical care and treatment of other policyholders with breast cancer.

Free markets are, by definition, more efficient than government programs which leads to better outcomes for everybody, across the board as incentives always line up in a seamless conjunction:

The cancellation of her health insurance in June 2008 forced Robin Beaton to delay cancer surgery by five months. In that time, the tumor in her breast grew from 2 centimeters to 7 centimeters.
Two months before Beaton's policy was dropped, Patricia Relling also was diagnosed with breast cancer. Anthem Blue Cross of Kentucky, a WellPoint subsidiary, paid the bills for a double mastectomy and reconstructive surgery.
But the following January, after Relling suffered a life-threatening staph infection requiring two emergency surgeries in three days, Anthem balked and refused to pay more. They soon canceled her insurance entirely.
Unable to afford additional necessary surgeries for nearly 16 months, Relling ended up severely disabled and largely confined to her home. As a result of her crushing medical bills, the once well-to-do businesswoman is now dependent on food stamps.

I suppose one could blame these women for not realizing that all they needed to do was bring a few chickens to their respective oncologists/surgeons in order to get the care they needed, but that wouldn't be nice.

Snark aside, kudos to Murray Waas for covering these stories (see, also, Waas' coverage of a similar scandal involving Assurant and its systematic rescission of HIV-positive customers).

The reference to bringing chickens needs a little explaining - one of the Republican candidates for the US Senate seat in Nevada has publicly recommended reverting to barter (specifically, bringing a chicken in payment) with doctors in order to reduce medical costs. Seriously. When twice offered an opportunity to modify or retract this, she has reiterated and reinforced it. And yes, this happened in 2010, not 1810 (even the Victorians would be ashamed of such naked nuttiness).

Let's see, it cost about $1k for my cardio scan last year: frozen chickens sell for about $5 each, so that would be about 200 chickens - I hope they have some fairly substantial freezers at the hospital. Or I suppose I could bring live ones, which would be less valuable (all that effort slaughtering and plucking), so say 240-300 live chooks? Well I suppose they could use the carparks to pen them up, after all noone will be able to afford an automobile with this system.