Saturday, October 25, 2008

What Kind Of Patient Are You?

For most of you out there, I will never meet you. You will live long, prosperous, healthy lives. You will raise families, remain gainfully employed, go to church, give back to the community and generally live. You will play by the rules. You will have your ups and downs and life will go on. What I describe in my blog and experience in my life as a hospitalist represents a very skewed representation of America. I am often lambasted by others for being unHappy and distressed with my situation. That couldn't be farther from he truth. What I try and present to you on the Happy Hospitalist is the gross abuse running rampant in our health care system. The abuse, I believe, entirely the result of third party rules and regulations, has become intolerable for many health care providers. Enough to make many quit. The abuse running rampant by the few has also had the effect of driving up prices for everyone looking for health care security.

So I ask the question, what type of patient are you? Are you contributing to the demise of the third party model so ingrained in our current culture. A third party model whose cost structure has risen exponentially due to rapidly rising costs on the few. A third party model which must pass on to others the costs of a few. The following is my breakdown of America's patients, as seen from the door of the hospital room. What kind of patient are you?

  1. Young and Healthy. These are the patients in their 20's -40's. They come in with single episode disease, treated and get better. And go on living their lives with no long lasting effects. Cellulitis, traumatic DVT, pneumonia, cholecystitis, less lethal trauma trauma, suicide gestures. This is the ONLY model that third party insurance works well for, in the current environment. If you are healthy and young, you are insurable. You can't insure a burning house. You are insurable because the likelyhood of having a problem is low. If this was the only population being insured, your ability to afford health insurance would not be in question, for most.
  2. Young and Chronic Mental Illness. These are the 20-40 year olds with in and out of the psychiatric wings on a regular basis. The frequent mental fliers. They have schizophrenia, bipolar disease, depression, dysthymia. They are difficult to manage and expensive to treat. They consume lots and lots of resources. They are often on the Medicaid roster. But we get a lot of functioning adults with recurrent suicide attempts who have no insurance. You have to be really messed up to get on the government mental health roster. I rarely see any of these folks with private insurance, because most of them are incapable of holding down a job.
  3. Young and Chronic Medical Illness. These are your young folks with Type I diabetes due to noncompliance, drugs and alcohol abuse. I never see the controlled DM I patients in the hospital. And most if not all admissions for DKA are related to noncompliance, usually due to drugs and alcohol. We also occasionally see exacerbations of multiple sclerosis, seizures (not a common population though). Sickle cell crises. New onset stroke. HIV complications. Problems related to alcohol and IV drug abuse in general. Chronic pain syndromes, usually back and abdominal. These folks are rarely insured. Nor are they insurable for that matter. They are just screwed. They probably have hundreds of thousands of dollars in medical bills and they don't care. They likely have horrible credit having nothing to do with their illness. They just lack any sense of personal responsibility. And before I get spammed by Happy Haters, realize that the population I see are the ones not taking care of themselves, by inducing illness on their own watch and feeding off the system that is required to care for their irresponsibility.
  4. Young and Chronic Substance Abuse. Most commonly alcohol. These folks never have insurance. Only if they have drank themselves half to death do they get on disability. They are frequent fliers. Waiting lists for free treatment are a mile long. The are uninsurable. They suck the system dry with their cirrhosis, intubations to protect their airway and seizures from alcohol withdrawal.
  5. Young and Institutionalized. These are usually folks who live in state or community facilities with profound mental retardation, genetic mutations, diseases or traumatic injury early in life, requiring full medical support. They frequently come in with aspiration pneumonia or seizures or infections. They are always covered by the Medicaid program. Interestingly, I don't see too many older institutionalized patients. They must pass away at earlier ages.
  6. Young Prisoners. Often related infections. Or hepatitis C. Frequently they fake symptoms as a way to get out of prison. But I've cared for a few new onset disease such as diabetes. They always have private insurance, paid for by the great state of Happy.
  7. Illegal Aliens. Almost always admitted for new onset diabetes or infections. Rarely for anything else. They never have insurance.
  8. Young American Indians. Almost always admitted for alcohol related complications, or gallbladder attacks. Always. Unless they are on Medicaid, they are always uninsured
  9. Homeless. Not much to say. I did actually have a homeless patient once that had insurance. I think that was an anomaly.
  10. Middle Aged and Healthy. Almost always insured. They hold down a job. Are productive members of society. I rarely see these folks. But when I do, they get treated and get better. They get single event disease that resolve.
  11. Middle Aged and Chronic Lifestyle Related Disease. This is a growing population of obese men and women who come in with new onset diabetes, and all the complications that come from that. They do not exercise. They do hold a job and generally they have insurance. They are the smokers, the food addicts, the exercise phobia patients. The are the ones with heart attacks, COPD, strokes all showing up years before their time. They lead unhealthy lifestyles and have no desire to change. They are perfectly happy leading their lives and having their insurance pay for all the complications. They do not change their ways after life altering health events. If they didn't already have insurance, they would be uninsurable.
  12. Middle Aged and Bad Luck/Genetic Disease. These are the folks who did everything right. Exercised, ate right, worked hard. And they still find themselves battling chronic illness. Cancer, genetic disease with all the fancy names, viral induced disease. They generally have insurance too, but if they don't, they often find themselves on disability and on the government plans. They are very expensive to manage. If they didn't already have insurance, they would be uninsurable.
  13. Middle Aged Mental Illness. I don't see a lot of this. It's either the really young or the really old that come into the hospital for this.
  14. Old and Healthy. This is usually grandma who takes no medications except for the 12 vitamins and supplements she consumes after reading magazine after magazine. They try and avoid doctors. When I see the old and healthy in the hospital, it's almost always for a self limited issue like flu, or dizziness, or passing out. They are old and healthy for a reason. They took care of their temples all their lives, and they get to enjoy finishing strong.
  15. Old and Sick. People with multiple chronic medical conditions. Frequently end stage disease from years of hard living lifestyles. Smoking, sedentary, obesity. They frequently have the combination of COPD, HTN, DM, hypercholesterolemia, CAD, AFib. They are horribly expensive to manage. They require multiple labs, xrays and specialists to evaluate. They receive fragmented care from multiple specialists each practicing within the confines of their own cocoon of training. These patients often don't have a clue how to participate in their own health care decisions. They are frequently prescribed polypharmacy. They probably miss mulitiple doses of medications a week. They are in and out of the hospital all the time. They include people who continue to abuse their temples with lifestyle choices in spite of their extensive disease. They also include those who gave up their vices but the damage is irreversible. These are your massive cost centers. Your frequent hospital users and abusers. These are the people who are getting their money's worth in health care expenditures. They are, in essence rewarded for their poor choices, with unlimited access to all the best care someone elses money can buy. The hospital is like their second home.
  16. Really Old And Sick. These are the nursing home patients. Those with advanced dementia. Who are bed bound. Who have limited quality of life. Who cannot contribute to their own health care decisions. They languish day in and day out requiring others to perform all their activities for them. To wipe them. To feed them. To push them around in their wheelchair. These are the rolling corpses. The folks who should under no circumstances be admitted to a hospital. No matter how sick they are. These are folks who have lived their lives and are now simply waiting to die. Folks, who under humane parameters would be allowed to pass away peacefully in the presence of family and friends. In the nursing home, no where near a hospital. These are the folks who come in with advanced everything, chronic multiorgan end stage disease and whom we as a nation are expected to provide heroic measures at all costs. These are the folks that are killing our ability to provide affordable health care for all. Some call it cruel to deny health care to the rolling corpses. I call it dying with dignity.
What we have in America is a horribly skewed financial obligation for a few, being spread on the backs of the masses. We have 50% of our population spending 3% of our health care dollars, and 5% of our population spending 50%. As a country we have to ask ourselves what is important. I don't believe for a second that providing universal access in the form of government funded universal health care will somehow create a vast empire of cost savings. What it will do is continue to increase the costs and of regulation and inefficiencies required of us to get paid. We need to get third parties out of the equation, not all inclusive. And you do that by paying your doctor and hospital directly. And getting the rules and regulations of insurance out of the equation. And getting the bloated bureaucracy out of the equation. For that, read on...
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8 Outbursts:

  1. I'm in the Young and Chronic Medical Illness, Happy; but I have a Congenital Heart Defect. I take care of myself as much as I can, and haven't been hospitalized in nearly three years! *knocks on wood*

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  2. Excellent post, Dr. Happy. I appreciate your conclusion.

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  3. What you're describing about the distribution of who pays and who benefits is the way it is supposed to work, to protect those who are ill from being destroyed financially. This is the gist of how the insurance companies sell insurance.
    Unfortunately, the actual business model for insurance is this: You give me premiums, and I keep those premiums, doing everything I can to keep from paying anything out. If my expenses go down, I generate huge profits and bonuses, and don't even THINK I might reduce premiums.
    Whatever new model comes about, it needs to be set up so that its modus operandi is to deliver health care, not generate profits, bonuses, shareholder value or ensure fat and happy CEOs.

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  4. Actually, Happy, all "real" native americans are covered by the bureau of indian affairs. If they live rurally close to their tribal areas, there are IHS or tribal clinics. If they live in the city, they can get a type of regular insurance issued through the BIA. Your social workers
    can help.

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  5. As it turns out, a huge portion of the uninsured are young and healthy people who choose not to buy health insurance. So that also skews health care costs because they've completely opted out of the risk pool.

    I'm middle aged, medically healthy, with a chronic mental illness that I control really well as an outpatient.

    My husband is 61 (is that old or middle aged?) and generally healthy, but had $65,000+ worth of treatment for kidney stones this year. Fortunately, we have insurance.

    What do you suppose that would cost if we didn't have insurance? If the cost was as little as $15,000, we'd still be in trouble, especially in the current financial climate.

    So, should we end up homeless, ship the kids to relatives, and take up residence in a (charity, not tax-payer supported) homeless shelter until we die of whatever disease comes along next?

    How about if we just euthanize people who can't pay their medical bills, rather than treat them? That would be kinder and cheaper than allowing them to linger, anyway.

    Where do you think people are going to get the money to pay their providers out of pocket?

    DH and I are technically in the top 10% of income, and we couldn't afford much in the way of treatment (especially hospital treatment) without insurance before it totally wiped us out financially.

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  6. My simple question: Shouldn't we consider the profit in for-profit health care to be blood money?

    I mean, nobody should have any problem with making sure the people who directly provide medical care and supporting services (labs, administrators, janitors, etc.) get paid for what they do, right?

    And while actuarial tables are rocket science, they're well-known slowly-changing rocket science. Surely one or more non-profits (private or government) could perform the same services as for-profit insurers, spreading risk and cost among a large pool and updating the cost/risk/benefit models using Bayes theorem or another standard statistical model without adding friction to the system in the form of profit and profit-preserving behavior.

    I don't think I'm suggesting anything radical; I can think of few industries outside of health insurance where people profit from not providing service. Why do we tolerate this?

    I'm not fond of micromanaging and I've read med blogs carping about EMTALA, 'never' events, 'consumers' vs 'patients', frequent fliers, drug seekers, and every other administrative drag on the system and I'm by no means unsympathetic.

    But looking at matters from the standpoint of someone paying an arm and a leg for (shitty) employer-provided insurance, it seems that matters would be simplified by cutting insurance overhead and regulating or eliminating profit for insurers. This model works for public utilities who have the same issue with providing life-saving service to low- and fixed-income customers.

    I'm all for healthy competition among those who sell soap or computers or shoes, but health care is too important and too costly to leave to the whims of some beancounter or MBA, especially a class of people who insulate themselves emotionally from the consequences of their decisions.

    Am I missing an important piece of the health care and finance puzzle? Or are the objections to non-profit health care based on the ideology (religion, really) of The Market Knows Best?

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  7. It doesn't always work that way for public utilities. PUCO (Public Utilities Commission) is currently debating whether to allow our city electric provider the 15% per year for three years (45%!) rate increase they've requested.

    I really like the idea of non-profit insurance companies, tho.

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  8. I'm in category #1, and I'd argue that the current third party insurance system doesn't work for me, either, unless by "work" you mean "my participation does not bankrupt the system".

    In my position, health care consumption falls into roughly two categories: preventative services (birth control, immunizations, Paps, skin cancer screening, etc.), and unexpected crises (ideally avoided).

    The insurance company's primary role in the first category, however, seems to be preventing access to choices I would have if I paid strictly out of pocket. Birth control is a good example: I had to go to Planned Parenthood to get an IUD, since my "integrated care delivery organization" provider at the time would not provide the service. The insurance company is not interested in spending $400 up-front on my long-term fertility control when it can instead rope me into taking some generic version of the Pill (with a "copay" no doubt equal to or greater than the actual cost of the generic, ordered through the insurance company's pharmacy...hey, wait a minute!), and just hope I go away.

    What would work best for me, IMO, is an actual *insurance* plan to cover the calamities, while paying out of pocket at the time of service for all the normal preventative maintenance tasks. Obviously that scheme wouldn't work for most people, and my low-cost, low-risk participation in any broader coverage group helps offset others (which I support). But I would like to get the third party the hell out of the decision-making loop when I don't need their dollars.

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