GO RED!!

We all know that heart disease is the #1 killer of women in America, but do we know that treatment of women with heart disease rests in the hands of political bureaucrats and big insurance companies? Working for a Cardiologist has given me an inside look into the future of American health care. Recently Medicare has cut reimbursements for critical cardiac tests for up to 40%. This may not mean much to a patient until he or she realizes that insurance lobbyists have convinced our government to set high deductibles and premiums for average Americans who believe they have decent health insurance. For example, you are paying $300 a month in premiums for medical insurance thinking that you will get the best possible service when you need it but what you don't know is that most of the insurance companies impose deductibles on some very necessary tests. A deductible is the amount of money that you have to pay from your own pocket before your insurance even kicks in. If you are lucky it could be as low as $1,500 per family but it could go up to $10,000 a year. Which means that unless you get into a car accident or have a heart attack you will never meet your insurance deductible for that year.

Medicare has justified cuts in cardiology tests as too many tests being done and it is bankrupting the government. I agree that there are doctors out there who run a battery of tests unnecessarily but what about honest doctors who are in the profession to help people and only order certain tests to rule out major complications? They are being punished by the government for taking care of or even keeping their patients alive.

We had a patient come into our office the other day needing a stress test. Upon verifying her insurance we found out that she has a $1,000 deductible and considering the way insurance works we were not going to paid a single penny unless the patient paid something upfront. When I said that to the patient she almost had tears in her eyes because she thought that she had good insurance and all she had to pay that day was her copay. Although she needed the test, she left our office without being seen. Now I work for a great Doctor who would've seen her without worrying about the money a couple of years ago but considering his expenses, he couldn't afford to see this patient.

Bottom line is that Americans are getting sicker and need medical care now more than ever but the insurance companies and the government are tying the hands of capable physicians by not paying them for their hard work and also penalizing the patients by imposing high premiums and deductibles. This is all because of lobbying or should I say bribery by big insurance companies in congress. This may not effect an average healthy person right now but it will when you and I need a doctor and the good ones will all be gone.

R