Aug. 4, 2024
S8 E6: 100 Seconds to Midnight: To Live or Die - Healthcare in the US
Healthcare Show Notes: You can reach me on the website at http://www.causeofdeath100secs.net or you can email me at mailto:Jackie@causeofdeath100secs.net. My Link Tree can be found at: https://linktr.ee/CauseofDeathpod Hello and welcome to Cause of...
Healthcare Show Notes: You can reach me on the website at www.causeofdeath100secs.net or you can email me at Jackie@causeofdeath100secs.net. My Link Tree can be found at: https://linktr.ee/CauseofDeathpod Hello and welcome to Cause of Death – 100 Seconds to Midnight. I’m your host, Jackie Moranty. This episode is going to be a little different since I’m going to give you a glimpse into my life. I normally try to keep my personal life out of the podcast, or at least limit it to entertaining anecdotes that are related to whatever topic I’ve chosen to teach you about. This time, you’re going to be immersed in a personal journey that I’ve been experiencing over the last couple of years. This story will hopefully, give you all some insight about the American healthcare system and the ways that it fails us. It’s 90 Seconds to Midnight and in one of the most powerful countries in the world, only two classes of people can afford healthcare, the very rich and the very poor. I’ve taken the link to my GoFundMe out since I’ve met my goal. Thank you all so much for donating. https://agentsync.io/blog/loa/the-history-of-health-insurance-past-present-and-future https://www.healthsystemtracker.org/chart-collection/u-s-spending-healthcare-changed-time/#Annual%20change%20in%20price%20and%20quantity%20indexes%20of%20health%20services,%201980-2022,%20index%20numbers%202017=100 https://www.ncbi.nlm.nih.gov/books/NBK500098/ https://developmentalpolitics.org/platform-of-policy-recommendations/homelessness-in-the-u-s/?gad_source=1&gclid=CjwKCAjw2Je1BhAgEiwAp3KY71ecsxQGxcCSgQ_9r1NC6z_hyPTyzahtd011WpvpffS2uHLdELsT4BoCRCUQAvD_BwE https://www.audacy.com/wwjnewsradio/news/national/medical-debt-is-forcing-people-into-homelessness https://consumers4qualitycare.org/medical-debt-puts-housing-out-of-reach-for-millions-of-consumers/#:~:text=Nearly%20half%20of%20those%20people,likelihood%20of%20experiencing%20poor%20health. Music: Time Off by Damma Beatz You can reach me on: Instagram: @CauseofDeathpod Threads: @causeofdeathpodcast FB: @COD100Secs Twitter: @CauseofDeath10 TikTok: @causeofdeath100secs Please don’t forget to rate and review on any of the platforms found here: www.causeofdeath100secs.net You can support Cause of Death here: Subscribe on Apple Subscriptions Patreon: https://www.Patreon.com/JackieMoranty Ko-Fi:
WEBVTT
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Did you know one of the few things that Nostre
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Damas correctly predicted was his own death? Did you know
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that only one professional baseball player has been killed while
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playing the game? What about the fact that one of
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the most poignant last words ever were spoken by a parrot.
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Each week on Famous last Words, well, examine some of
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the final thoughts of some of the most fascinating people
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in history, from presidents to murderesses, from business innovators to
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teen pop icons. That's Famous last Words, part of the
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dark Cast Network, available right now wherever you get your.
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Podcasts, Grab your marshmallows and sleeping bags for the Burnt
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Marshmallows podcast or Cozy Mysteries Come alive around the crackling campfire.
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Picture yourself wrapped in a warm blanket, sipping hot cocoa
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as we share spooky tales that will whisk you away
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to a world of mystery ghosts and perhaps even an
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occasional monster, crime solving spirits, urban legends, Bigfoot, We've got
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it all. Join Burnt Marshmallows every Tuesday wherever you listen
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to podcasts for Cozy Mysteries.
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Dark Cast Network, Come on over to the dark Side.
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We're really nice people once you get past the true
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crime and scary science. So this episode was supposed to
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drop a week before I had surgery. That didn't happen. Obviously,
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it had to wait since I had some technical difficulties,
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and those technical difficulties kept going until after my surgery.
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So now I'm recovering. But I want this to be
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the first episode in this series, and then we'll talk
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about what happened during and after surgery. Thank you for listening,
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and thank you for waiting on me. I'll talk to
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you soon. Hello, and welcome to Cause of Death one
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hundred seconds to midnight. I'm your host, Jackie Morandy. This
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episode is going to be a little different since I'm
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going to give you a glimpse into my life. I
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normally try to keep my personal life out of the podcast,
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or at least limit it to entertaining anecdotes that are
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related to whatever topic I've chosen to teach you about.
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This time, you're going to be immersed in a personal
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journey that I've been experiencing over the last couple of years.
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This story will hopefully give you all some insight about
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the American health care system and the ways that it
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fails us. It's ninety seconds to midnight, and in one
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of the most powerful countries in the world, only two
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classes of people can afford healthcare, the very rich and
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the very poor. A great place to start any story
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is at the beginning, So I'll give you a general
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outline of my personal healthcare. As I was growing up,
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I remember having health insurance, and I remember it covering
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everything with just a copay of ten dollars. It didn't
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matter what you needed, you paid your copay and you
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received care. Once I was out on my own and working,
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healthcare wasn't as readily available, though smaller companies didn't offer
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benefits of any kind, so often I went without health care.
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I didn't need much at the time, so I wasn't
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really worried, and if something did happen, there were county
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hospitals that would tend to an illness and not charge
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an arm and a leg. In the eighties and nineties,
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many of those county hospitals were shut down funding was
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no longer available for those. For several years, I went
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without health care coverage and my daughter was on Medicaid.
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She got great care, but I didn't qualify since I
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was an adult, and at the time I wasn't pregnant.
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I also had no long term health issues, and I
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wasn't disabled. Eventually, Obamacare came along and for a short time,
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companies were forced to give their employees some sort of
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health care coverage. Most of the time, the coverage was
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terrible and the employees were paying for most, if not all,
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of the premiums. Fast forward to twenty twelve and the
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beginning of this story. I was working for a very
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small company in Albuquerque as a quality assurance manager. The
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company had fourteen employees and nothing that really looked like
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health care benefits. I paid my thirty four dollars every
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paycheck as a premium, but if I needed to see
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a doctor, anything that I needed to have done would
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be out of pocket except preventive medicine. Now what that
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means is that I could have a mammogram for nothing,
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but if that mammogram showed that I needed more care,
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like a biopsy or surgery, that would all be out
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of pocket. Dental care and vision weren't part of my
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package either. The four oh one k was weak. The
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whole thing was a mess, and it was all surrounding
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a political idea that offering benefits was forced upon this
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particular company by the Affordable Healthcare Act of twenty ten,
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so if they could get away with not providing benefits
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to employees, they just wouldn't provide them. It was about
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this time that a little growth started on the end
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of my nose. It didn't seem like much, it didn't hurt,
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it never really bothered me, and for the most part,
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I just forgot about it. The insurance I had was
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not going to cover the cost of having it looked at,
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and honestly, I thought it was a z it or
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something like that, so I ignored it. I was only
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with that company for a few months when I decided
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to move to Kansas to be closer to my daughter.
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I got a job with the State of Kansas, which
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provided me with great health insurance benefits, but unfortunately, they
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didn't pay me. I did establish a primary care provider
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in Kansas, and I went to see her one day
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for an upper respiratory thing. She prescribed antibiotics and told
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me to stay home for a week while I was there.
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I dropped them. I asked and asked her to look
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at the growth on the end of my nose, which
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by this time was getting pretty big, and I was
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getting rather concerned. She said to me, put the mask
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back on. I'm not touching that. She didn't offer a dermatologist,
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she didn't offer screening, she didn't offer a biopsy. She
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offered me nothing. Just keep wearing the mask and you'll
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be all right. Well, needless to say, I needed to
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make way more money than the State of Kansas was
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paying me. And really those health benefits weren't all that
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great when the doc wouldn't deal with an obvious problem.
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I moved to Missouri when a job came up with
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the company that I work for now. But I was
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a contractor for six months. The health plan was a
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lot like the one that I had with the medical
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device company. It was nonexistent. Meanwhile, the growth kept growing.
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Six months after I started as a contractor, I was high.
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I fired full time with the company, and I actually
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got health care benefits. And this is where we are today.
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Now I'll explain why I'm asking for donations for surgery
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when I have health benefits. My copay in network to
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my primary care physician is twenty five dollars. If he
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sends me to a specialist, it's fifty dollars. As soon
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as I established a primary care physician, I went and
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I paid my twenty five dollars, and I told him
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that there were three things that I needed from him.
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I needed to lose forty pounds, I needed to quit smoking,
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and I needed to get the thing on my nose.
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Looked at the pictures of what this looked like at
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the time. Are the cover photo for this episode. Go
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take a look. Now. My doctor was worthless when it
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came to quitting smoking or getting on any kind of diet,
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but he did send me to a dermatologist who specializes
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I MOSE surgery for skin cancer. I felt like I
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was on my way, and I was really happy that
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I was finally gonna find out what this thing on
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my nose was and what I could do about it.
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I went in to get the biopsy done in May
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and they took about half of the growth. Two weeks
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later they called me and sure enough, it was basil
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cell carcinoma. I wasn't surprised. I'm a sun worshiper. I
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rarely wear sunscreen and most of the time I'm hatless.
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I have darker skin, I rarely burn. I didn't think
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I could get skin cancer. I thought my genetics would
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keep me from it. I was wrong. Now, since getting
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this diagnosis, I have been terribly depressed, and I've been terrified.
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It's basil cell, so it is the best kind of
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skin cancer to have. It doesn't spread as easily as
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squamos cell or god forbid, melanoma. But it's been there
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for two years. Could it have spread? How far did
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it spread? Will there be radiation treatments chemo? I was
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not sure, and this is why you haven't heard a
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whole lot from me. Over the last couple of months.
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I could barely concentrate on my work, let alone. The
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podcast scheduling became a delicate dance, trying to figure out
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when the most surgeon could coordinate with the plastic surgeon,
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meanwhile getting me in as soon as possible since this
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thing could be spreading. We all agreed. On July fifteenth,
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it was happening, and I was counting the days. I
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just wanted all this to be over. I called about
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two weeks before to make sure that everything was in place.
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I arranged for my dog to be taken care of,
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I scheduled rides and made sure that I could drive
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home by myself after the most surgery. No one ever
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mentioned a deductible. No one ever talked to me about
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payments or what it would cost. No one mentioned that
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they could cancel my surgery if I didn't have that
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deductible on hand and be ready to pay it when
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I showed up for surgery. Now, in all fairness, I
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didn't ask either. I assumed that they would ask for
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a copey or bill me or make some kind of
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payment plan, something I never expected. What actually happened. No
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one said a word until Friday, July twelfth, at four
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o'clock in the afternoon, when the lady in the billing
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office called me to tell me that I needed twelve
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hundred dollars in cash when I showed up for surgery
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on Monday. I don't have that, I said, can you
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make a payment plan? No, she said, we don't do
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payment plans anymore. We've been burned far too many times,
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so now we just demand payment at the time of service.
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I don't have it, I said, again. I need this surgery.
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This is the cancer surgery. I need this to be gone. Well,
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if you can't afford the deductible, then we have to
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cancel your surgery. Until you can. You're kidding me, I said,
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I'll call you on Monday to see if we can
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work something out, but as it stands, without payment, you
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can't have surgery. At this point, I was super worried
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that I wasn't going to be able to afford the
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plastic surgeon and I would be doomed to walk around
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with a huge hole in my nose for the rest
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of my life. So I called his office and asked
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about deductibles. He wanted another twelve hundred dollars. Do I
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need that upfront? I asked, knowing that I was never
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going to get this done if everyone wanted money upfront,
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and I have and wait and wait, haven't I met
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my deductible already? Isn't it fifteen hundred dollars? I think
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that I'll have that paid off with the dermatologist now
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He's office lady said, oh, well no. First of all,
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we can bill you for our services, so no, you
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don't need it up front. Wait, I thought that buys
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me time. As for the deductibles, she said, yes, you've
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met the fifteen hundred, but there's also about forty five
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hundred dollars. Forty five hundred dollars, I said, where did
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that come from? Those are your individual out of pocket
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costs for any procedure. Well, at least I can do
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a payment plan for that part of this. But it's
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still four o'clock on Friday and I needed twelve hundred
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dollars by seven am on Monday. I went home and
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I just cried. I stayed in my funk until one
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one of my podcasting friends and the founder of the
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dark Cast network called me to ask if I was
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ready for surgery. I told her what was going on,
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and she told me to start a GoFundMe, so I
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did just that. By the following Monday, I was about
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two hundred dollars short of the deductible to get the
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most surgery. I called and rescheduled for the twenty ninth
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of July at seven am. In the GoFundMe, I'm asking
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for two thousand dollars to cover the MOS and the
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plastic surgery from the bills that I have so far,
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I'm hoping that this is all there will be. I
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can't imagine that there will be more. I have insurance.
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As it stands, I'm about five hundred dollars short of
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my goal. The link to the GoFundMe is in the
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show notes if you'd like to help out, I hope
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there will be more bills from this. Healthcare in America
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is expensive, and like I said that in the beginning
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of this episode, only the very rich and the very
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poor can afford it. The very rich because they have money,
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and the very poor because the government covers them. That
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leaves about sixty seven percent of the rest of the
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nation who depend on private health insurance to cover the bills,
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and often it doesn't. People end up paying way more
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out of pocket than they really should. If you look
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at the GoFundMe website, most of the people out campaigning
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need medical assistance. About forty one percent of Americans are
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stuck with medical bills they can't pay, and many times
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this forces people into homelessness or bankruptcy. And these are
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people who like me, pay upwards of three hundred dollars
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a month for company health benefits just for the right
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to carry a card. We pay our copays every time
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