Reflections of cultural differences (Medical Care III)
The last medical bill came to our mailbox in late November of 20XX. It was almost 6 months after my wife gave birth to our youngest son at XXX Hospital, City XXX, State of XXX. There were numerous medical bills ranging from prenatal cares, doctor visits, doctor fees, laboratory expenses, hospital expenses, prescriptions, surgery room fee and a teddy bear.
The baby was really big (almost 10 pounds), C-section was done to pull the giant out. So, expectedly, the total expense would be unimagineably high for both of us. We gathered all the bills we paid from the beginning to the end, the grand total for all of everything including that cute blue teddy bear before insurance was almost 25,000 USD. As a J-1 VISA holder, it is mandatory for me and my wife to have a medical insurance for certain levels. Luckily my wife had 2 medical insurance policies, one was a complimentary from her scholarship sponsor and another one was our school (Blood Sucking University, BSU) health insurance policy which we were unwillingly forced to buy this one because the one from my wife's sponsor was not equivalent to the BSU health insurance policy.
We chose the school policy as our primary insurance and another one as our secondary policy. Hence all of the expenses would go through the school policy first, after that everything left over would go to the secondary insurance. Most of the claims to the school policy were partially paid and some of them were totally declined. So we sent the leftover part to the secondary insurance. Almost all of the claims were kindly covered by this one. If it was not covered by the secondary insurance, we would be pretty closed to bankruptcy. We definitely would be in a big financial problem if there was no so-kind-but-not-equivalent-as-told-by-BSU insurance to cover these expenses. Anyway we had to partially pay for that, it was around 3,000 bucks which seemed to be more affordable for ordinary graduate students like both of us. Anyway this insurance issue gave us some better ideas about how expensive it would be when we needed any medical care on the land where medicine and medical sciences are far more advanced than any other place in this entire planet.
Looking back to the advent of our first son who was born in XXXX Province, Thailand, almost 7 years ago, we paid only 3,000 Thai Baht (approximately 75 USD) for a special care from my wifes gynecologist. Both of us were working as governmental officers, therefore the government gave us totally free and all-inclusive medical benefits to our family. So we did not have to pay to anything. However we preferred to have a special care from a gynecologist, so we asked a doctor to take a special prenatal, perinatal and postnatal care for the baby and his mother. So extra-money of 75USD was paid directly to the doctor with sincere gratitude for such a wonderful care given to our family. So it seems to me that such medical treatments and their related experiences in a hospital in the US and in my home country are drastically different resulting from two similar medical incidences. The health care systems between the US and Thailand were totally different in many ways to a point where it have changed my perspective to a word hospital between these two countries.
In the US, hospital is a place where I can simply buy medical services, if I have money. In contrast, a hospital in Thailand is a place where I can trust and have a faith in the doctors. My loved ones safety and good health can be obtained even though I have small amount of money. Even though it may not be a perfect and high-tech hospital, but I can account on it financially. In the US, to be honest, I am too scared to be sick or ill.
Why has a same word originally filled with heart and hope evolved in a different fashion? I wondered.
Before leaving to an academia career, I had been working as a hospital in a remote and rural area of Thailand for 4 years just like any other newly graduates including doctors, dentists, pharmacists and nurses. Almost all of us graduated from governmental-owned universities. Before our enrollments in those public schools, all of us had to sign a contract agreeing to work as a governmental officer for certain years after graduation or had to pay some fine if we did not.
This policy looks like a slave contract for some people but, to me, it was fair enough for general Thai taxpayers who have paid for every resource used in medical, dentistry, pharmacy and nursing schools. More importantly, this policy has contributed to equaled distribution of health professions in every area of the country regardless of how rural and urban it is. This ensures that there will be sufficient and adequate medical cares in every place in the country.
Again, if I was academically competent enough to get acceptance to a health-related school in the US with financial supports, I might be able to earn the degree. Then I would walk free to some other places as I wish to make money to pay back those loans, in a case that I borrowed someones money for my education. There was nothing obligatory between me, my countrymen and my country at all to serve or not to serve people. I just bought it by my own investment and I had a full right to take any advantages from my own investment. Thats the way the system, capitalism, works in the US.
Lawsuits in medical malpractice are a lucrative business in the US. The doctors have to pay many thousands of dollars a year for medical malpractice insurance to protect themselves from lawsuits from their medical practices. In some cases, it was true that some doctors have done something terribly wrong during their treatments. In these particular cases, they deserve to pay for unacceptable and unethical consequences they did. However, in some medical circumstances, their decisions in such an emergency situation lead to unintentionally adverse consequences. In some of these cases, that was the best thing anyone could possibly do there at the moment.
Someone does not think so. Those people coin the word victim to make profit from humans mistakes. The best treatment the doctor can provide at the moment leads to an expensive lawsuit which totally ruins his life and makes the lawyer richer and richer. As a result, expenses in medical treatments are getting higher and higher as anyone can easily observe in routinely increasing health insurance bill.
Hospital which used to be a place for heart and hope had become a place for money and expectation. The souls of Hippocrates and the hearts of Florence Nightingale have long been disappeared. The doctors, dentists, pharmacists and nurses come to work everyday aiming for a good paycheck at the end of the month. For them, it might be just a good career with good pay. There is no sense and pride of serving and helping others in their minds. Its just an ordinary kind of jobs in the neighborhood. I would not blame them either, they are just ordinary human beings. They do have their own life and their family to keep and raise just like everyone else. The point is they have to spare their money for the sharks. All protections need money which all adds up. The system has led them to this point and there might be nothing to do or whine about it. A hospital in the US is a place where I can buy better health as same as I can buy a box of cereal in a supermarket across the street.
In Thailand, Thai people seem to be more forgiving and understanding about these iatrogenic mistakes. They still consider and appreciate the health professions as ones who can help and willingly dedicate themselves to help and serve. They do not sue as much as the Americans do. However an alarming trend in medical-related lawsuits in Thailand has been noticeably increasing over these years. Capitalism might be addictively contagious I presume.
Few years ago, the Thai government has implemented a policy that every visit to any governmental health care facility would cost 30 Thai Baht (approximately 75 cents). This 3-quarters expense covers everything without any conditions. No matter what you are talking about vaccinations for your children, diabetes treatment for your parents, dental care for yourself or major injury from any accidents, all ot them will be 3 quarters per visit. Doctor fee, prescription drug, medical supplies, lab tests are all included in these. This policy ensures that Thai people can seek for medical treatment whenever they need. This policy might seem financially impossible and ludicrous for many critiques, both domestic and international. However, in Thai settings, it seems to be more feasible than settings in the west. Apart from two mentioned strategies, contracts among newly graduated health professions and forgiving will of the Thai, many actions have been taken for quite some time.
For Thailand which is a small and developing country, the use of generic drug substitutions seems to be a more pragmatic approach to a better health with lower and affordable cost. We also respect in intellectual properties. Hence we have also seriously enforced patent laws for newly developed drugs. According to this law, the patented drug will be solely marketed in Thailand for 15 years. After the patent expires, any local pharmaceutical company can register that drug if the company can show that their product is as good as the innovators is. I knew that prices of the patent drugs can be reduced significantly shortly after a generic formulation was marketed. For example, in Thailand, a Zocor® 40-mg tablet used to be 80 Thai Baht (approximately 2 USD) before a generic 40-mg simvastatin tablet was launched. It is now reduced to 20 Thai Baht. Interestingly, the same Zocor® sold in Thailand before the advent of a generic product and in the US in the same period had a different price. Zocor® is not surely manufactured in Thailand, it is, in fact, imported from the US. However Zocor® sold in Thailand was 50% cheaper than it was in the US where Zocor® was originally manufactured.
Thus it does not surprise me at all to see many elderly in the US are willing to take a bus across their home country to Canada or Mexico to buy their prescription drugs. From many sources, the US pharmaceutical companies are trying to argue that their research cost has led to a higher price of prescription drugs in the US itself. In my humble opinion, this argument is true but just in part. If I looked back to prices of stocks of pharmaceutical companies and compared those prices in the last ten years, I could see that there were significant increases in leading American pharmaceutical companies such as Pfizer, Eli-Lilly and Merck. Or when I looked into nowadays TV commercials, I could observe that there were a number of them on TV ranging from over-the-counter to prescription drugs. Lastly when I looked into the largest industry in the US, it would turn out to be the pharmaceutical industry. When I learned these facts, I came out with a simple yet reasonable question of why was that.
If the system still runs in the way it has, I am pretty sure that the bus will remain its routes across the border from the US to its destinations either in Canada or Mexico bringing those senior Americans to their hopes to prolong their lives to see a better day of tomorrow. American hospitals will remain being a market exchanging a better health for money primarily. A code of ethics and the sacred oaths of Hippocrates will be placed elegantly on the wall as a dried and misunderstood history giving their ways to a humans basic instincts of greed and the system, capitalism.
================================= Note: My life has been intertwined with works and many others. New responsibility has emerged, resulting less and less time for my ordinary life. Although, a love to write is still intact... But having less time is related to having less imagination.... Therefore, I could not come up with new writings for quite some times.
It might be a good time for me to leave this forum for moment.... Please take it as Mr. A.T. is having a sabbactatical leave or something like that....
As noted above, my love to write is still the same... and will not be changed. Sometimes somehow, I hope I could come back and give some thoughts in this blog once more.
Cheers, Mr. A.T. June 6th, 2008
My pen-name in Pantip is amatuer translator. Actually, I'm a lousy translator with lame translation. My pen-name is somewhat misleading, I have no background in linguistics what-so-ever. Anyway I love to read, write and communicate with people...
Reading is my most favorite hobby. I read everything from shopping bags to articles in theoretical physics. I do research and teaching for my living. So, reading, writing, thinking and doing research works are my everyday routine.
I would like to define myself as a person who is accepting new ideas and adopting those into my way of life.
I believe in power of knowledge/education. I think every society can be a better society with knowledge. Ignorance can be dispelled by it. Humanity can live sustainably and harmoniously with each other along with its biosphere with understandings in the nature surrounding it.
Apart from my philosophical thoughts reflecting who I am, I can tell you something I like or love in particular;
I love dogs.... Particularly, labradore retrievers.... One day, I would like to spend my time and life with them as a big part of my family.
Zhuge Liang is my hero. With his wisdom and faithfulness, he led a tiny army to a mighty and formidable kingdom. He left his humble residence with a hope to come back. But, sadly, he had never returned and died far far away from home in a horse carriage in a battle field. If I could choose where I would, I would say where-ever my lovely wife was nearby.
I value happiness and my family as my first priority. My profession and my philosophy come in the second. Pursuit in wealth has never been in my desire.
I'm glad to be your friend, and look forward to seeing you around krub.