Quote:
Originally Posted by NewWave
just wondering, but would you be able to afford chemo or all the other expensive cancer tests with a modest budget?
this is a topic I find really interesting, but know so little about. I'm trying to figure out the best course of action for myself. I wouldn't mind going without insurance as I'm not a total slob, also because I've been dicked over by my crappy primary physician many a times so I'm always looking for the best direction.
So curious how one affords it on their own. Also you mention Germany, Japan, etc...but don't they have socialized healthcare? I'm pretty sure Germany does at least.
|
Most "chemo" regimes are not worth paying for anyway.
I had a friend that got his insurance to pay for a new cancer drug with a pricetag of $30k per month. It didn't work and he died anyway.
The few chemo drugs that do work are worth every penny, and I'd have to find the money somewhere if I didn't already have it.
Not having insurance has it's risks, and I wish I didn't have to prefer it. However in this country [as opposed to Germany, Japan, etc.] the medical profession is expected to invent remedies for every conceivable problem. The expense of this approach has created too many expensive remedies for conditions which are probably not that serious. This combines with the fraud in the pharma industry and massive corruption at the FDA to produce a lot of expensive drugs which don't even work at all but are now part of every MD's standard practice guidelines.
There has to be some kind of rationing one way or another. Not having coverage is one form of rationing.
Ideally I think everyone should have hosptialization coverage, like my family's corporate benefits provided in the 1970s. But because of our system even that is unafforable.
All this got out of control with the "preventive care" movement in the 1970s, which sold us that we could save money by going in for massive screenings and check-ups and early intervention when anything at all bothers you.
This approach turned out to be a massive disaster.
It's better to wait until you have symptoms, and then intervene.
Trying to head off every conceivable illness through constant monitoring of an otherwise healthy person [health 'maintenance'] is massively expensive.