The High Cost of Extending Your Life

The Associated Press reports today that health care “Premiums averaged $15,745, with employees paying more than $4,300 of that, a glaring reminder that the nation’s problem of unaffordable medical care is anything but solved.”

I just completed reading an article in Newsweek (September 3, 2012) titled “How Much would you pay for three more months of life?”  It’s all  about the high cost of cancer treatments that can cost up to $188K for about six months of additional life. There is nothing in the article about where the money for this treatment will come from.  I do not imagine that most insurance companies will pay these high fees.  After all, the outcome is death not extended life.

Every family needs to discuss the reason for extending life of a pancreatic cancer patient for two weeks at cost of $15K.

Advanced Health Directives help family members decide a course of action.  Of course you have to read and understand the directive before the need arises.  Too many people do not.

Health Care Mandates are not a New Idea

As a nation Americans are debating the power of the Federal government to pass laws that mandate our behavior in the area of health care. However, the Patient Protection and Affordable Care Act is not the first mandate pertaining to health care.

Three other mandates already exist. This information was posted in my local newspaper (Los Angeles Daily News).

Other health care mandates
The 1986 Emergency Medical Treatment and Active as Labor Act. It requires nearly all hospitals to treat and ‘or stabilize anyone needing emergency care, regardless .of ability to pay or legal U.S. residency. Critics call it an unfunded mandate. It was part of a budget law signed by President Ronald Reagan.
The 1996 Mental Health Parity Act. It prohibits group health plans from setting lower annual or lifetime dollar limits for mental health benefits as compared with medical a surgical benefits.
The 1996 Newborns’ and Mothers’ Health Protection Act. It requires plans offering maternity coverage to pay for at a least a 48-hour hospital stay following most normal deliveries, and 96 hours following a cesarean section. The mental health parity and maternal health laws were signed by President Bill Clinton.