Insurance Health Quote

Main Menu

  • Health Insurance
  • HMOs
  • PPOs
  • HDHPs
  • Commerce

Insurance Health Quote

Header Banner

Insurance Health Quote

  • Health Insurance
  • HMOs
  • PPOs
  • HDHPs
  • Commerce
PPOs
Home›PPOs›Walter Carpenter: In the fight against hospital insurance companies, patients are powerless

Walter Carpenter: In the fight against hospital insurance companies, patients are powerless

By Melissa A. Hazlett
April 11, 2022
0
0

This commentary is from Walter Carpenter of Montpelier, who works in Vermont’s tourism industry and is a writer and health care activist.

Now, it appears the divorce proceedings between the University of Vermont Medical Center and UnitedHealthcare that threatened the lives of some 5,000 Vermonters are over.

Although they have reconciled for the time being, it could easily happen again and more than 5,000 Vermonters could suddenly be put in danger. In our health care illness, we are all vulnerable to these forces at all times.

The question we should be asking ourselves and our business, cultural and political leaders is: why do we allow our health care, and therefore our lives, to be placed at the mercy of buy-and-sell shenanigans? what we call a market? ? Why?

I sympathize with those 5,000 Vermonters who suddenly find themselves forced to go elsewhere for treatment if they need it because two market giants had a spat.

To understand what it is, you have to go through it. In 2005-06, it was my turn. I well remember that feeling of fear, of utter helplessness in the face of someone else’s decision that suddenly threw my life and the lives of my colleagues onto the odds and our nation’s unique belief that this invisible entity called market should decide the fate of our health care.

I was working at a company in Vermont. Like so many companies in this era of mega-mergers and monopolies, this company was owned by another company. The parent company was out of state. We were part of a family of companies.

In 2005-06, they changed insurance companies. They did it without our input. We had no choice in the matter. It still makes me laugh when supporters of the status quo exhort me about “choice”.

The new company was UnitedHealthcare. A CEO I knew at our parent company who was high up in the corporate strata told me, “United was probably the lowest bidder. That would explain why what we got was so poor.

Before them, we were with BlueCross BlueShield of Vermont. While hardly great, it was at least local and we could complain about the inevitable backlash that for-profit health care threw at us – like the inevitable co-pay increases, claims or prior authorization denials. , etc. – to the appropriate state agencies or our representatives.

Blue Cross once increased my co-pay from $50 to $250 after surgery. They cited how their costs had increased. I quoted how my salaries did not increase to cover their additional costs. They sympathized, but implied that it was my bad luck. Representatives and the state agency (BISCHA at the time) replied that they would “look into it”. I haven’t heard of it anymore.

With United, all of our medical providers were knocked out of the network in one fell swoop. We could use them if we wanted to, but only at the uninsured rates, which are much higher than the insured rates.

At the time, United had very few “in-network” doctors in Vermont. Their closest doctor to me in Montpellier was in the Northeast Kingdom; nearest “in-network” hospital was Dartmouth-Hitchcock in Leabanon, NH Doctor I lost was two blocks from me; the hospital was just up the hill.

This had serious ramifications for me. The first symptoms of the (naturally caused) liver disease that nearly killed me in late 2006 were forming. Without a GP, the guardian of our managed care world, I couldn’t enter the system and the symptoms had all the opportunities they needed to come together into a force strong enough to do the job.

When I finally found a GP, my skin took on a sickly yellow tint, then it became a fight against time. I almost lost it.

Sixteen years later, we’re still going through this and with more crises adding up – fantastic wait times, shortages of doctors and nurses, ever-rising costs, wacky CEO salaries and all the other which we know perfectly well now. Covid has only exacerbated these issues.

So-called “value-based care” has done nothing to mitigate them, despite the billions of dollars we have invested in it. Like HMOs, PPOs, and every other experiment before it, value blames and punishes us for these evils, instead of the corporate system that suddenly put all 5,000 Vermonters in danger and nearly killed me.

Journalist TR Reid put this into perspective in his 2009 book The Healing of America. He framed our dilemma as a moral question: “Should we guarantee medical treatment to all who need it or should we we let Americans die of disease? lack of access to health care?

We’re still grappling with Reid’s moral question. Why?

3,000 pounds in 30 days

Our journalism is made possible by donations from our members. VTDigger is partnering with the Children’s Literacy Foundation (CLiF) on our Spring Member Drive to send 3,000 new books to Vermont youth at risk of growing up with low literacy skills. Make your donation and send a book today!

Filed under:

Remark

Tags: medical treatment, UnitedHealthCare, UVM Medical Center, value-based care, Walter Carpenter

Remark

About Feedback

VTDigger.org posts 12-18 comments per week from a wide range of community sources. All comments should include the author’s first and last name, city of residence, and a brief biography, including affiliations with political parties, pressure groups, or special interests. Authors are limited to one comment posted per month from February to May; the rest of the year, the limit is two per month, space permitting. The minimum length is 400 words and the maximum length is 850 words. We ask reviewers to cite sources for quotes and, on a case-by-case basis, ask editors to back up their claims. We do not have the resources to verify comments and reserve the right to reject opinions for matters of taste and inaccuracy. We do not post comments that are endorsements of political candidates. Comments are community voices and do not represent VTDigger in any way. Please send your comments to Tom Kearney, [email protected]

E-mail: [email protected]

See all comments

Send us your thoughts

VTDigger now accepts letters to the editor. For more information on our guidelines and access to the letter form, please click here.

Recent Stories

Podcast and video


Related posts:

  1. Insulation Monitoring Devices Market Share To Be Valued At Over USD 558 Million By 2025
  2. Forget about Dogecoin smart contracts. Algorand’s platform for dApps is better.
  3. Project and Portfolio Management Software Market – Major Tech Giants in Buzz Again
  4. Avoid soil compaction when grazing cover crops. | Latest news on corn, soybeans, wheat and more

Recent Posts

  • 4 ways to counter the effects of inflation
  • Fed Survey: Business Credit Standards Remain Largely Unchanged Amid Rising Demand
  • HSA and Cancer Care: How to Guide Your Employees
  • Plan of apartments for HMO property in Holgate
  • May 2022 – The Daily

Archives

  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • October 2018

Categories

  • Commerce
  • HDHPs
  • Health Insurance
  • HMOs
  • PPOs
  • Terms and Conditions
  • Privacy Policy