Some background: I have the best insurance offered to state employees (HMO through BCBS of Texas) and pay a premium for it and my family (cost nets out to about 20% of my salary for health, dental, life, etc.). Two months ago, my knee gave out on me as I walked back from a meeting on campus. It just stopped working. I could not step without
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I've had various knee and hip issues over the years (genes and sports related) and so have had a smaller taste of what you describe regarding health fees. Changing rules haven't helped me --- A few years back I went for MRIs the day or the day after the doctor demanded them. More recently I had to wait two weeks for one for similar situations. And so I too think about those without the insurance cushions we both have.
Also living in NYC where my father spent the last years of his life in a wheelchair, I'm very aware of what works and what doesn't for folks with walking issues. Say subway staircases down to the platforms which sometimes (depending on how my knee is feeling on a given day) cause me to opt for a slower bus or cab. Things are much better all the time, but we've still a ways to go.
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Health care costs are enough to make us all cringe. And it's not like nurses (or most doctors for that matter) are getting rich.
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