A perfect example of what's wrong
At work we have decent health coverage, not great, but not bad. We also have access to a Flexible Payment Plan, which if you're not familiar with it, in summary it's an account into which you can divert pre-tax dollars to to cover qualified medical costs, above and beyond standard coverage. Things like deductibles, co-pays, percentages not covered, and even certain things like contact lense solution and condoms (family planning). I've never used the plan before, but I decided to take advantage of it this year.
So anyway, I have a co-worker with whom I'm friendly, who often complains about our medical coverage, and who also told me that every year contributes the max to his flex account, which means he diverts $2000 pre-tax dollars into it. He also says he wishes he could contribute more (I'm not sure if this limit is federally imposed or company imposed) because he uses it all up each year.
Now I understand that he's got a family and two children, and that kids are susceptible to sickness. But I also see a typical lunch each day for him is some sort of fast food, or none at all, in which case it is substituted with a few Cokes and a few Kit-Kat bars. When he gets coffee he puts a ton of sugar in it and about an inch worth of non-dairy powdered creamer substitue. He is sick more often than not, and on a morning like today, he complains about how he's spending all this money at the doctor and on medicine and stuff.
The way I see it, every person can eat whatever they want, take care of themselves as they wish, and I don't like to preach my ways to others. I make suggestions to him every now and then. You know, cut down on sugar, cut back on fast food. Every day I bring my lunch, which I'll admit is rather plain and monotonous, a sandwich, some vegetables, pita chips or something, maybe an apple or banana. If we lunch together we usually end up at Subway or something.
But the suggestions I make are not heeded. The example of bringing lunch is not followed. And while I remain in good health all winter, he gets the monthly sickness, the allergies, etc, many of which I strongly believe would be cured with a change of diet.
But I don't blame him. He doesn't understand. Like many, his diet is perfectly normal, after all, that's what they show on TV, that's what everyone else eats. I suppose I blame it on advertising and mis-education. A perfect example is diet soda. My fiance started drinking diet soda to cut back on sugar intake. Sounds good in theory. But she was then getting these bad headaches, so I suggested cutting out or at least cutting back on soda. She did. Within days her headaches were gone. Google "aspartame" for more.
And this all leads us to outrageous healthcare costs. When you go to the doctor, you get a prescription. And unless you're obese, I doubt you'll be given a healthy eating pamphlet by the doctor. So the bad diet continues, and the routine sickness continues. And each time you go to that office, prices and demand for drugs and that time slot at the doctor's office go up. And the cycle continues.
I don't think there's any coincidence about the fact that I am far healthier and have far lower medical payments. And even though I don't come close to maxing out my coverage, I pay the price just like everyone else. Call me crazy, but I figure if we've made it throughout history without aspirin and heartburn pills, why should we need them now?

