What Are You Really Covered For?

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Would healthcare costs in the United States be controlled better if people had more “skin in the game”? That is, if instead of insurance picking up the tab for everything, we had to pay more for medical services ourselves, making us a little more selective about what medical care we need and what medical care we don’t? There’s some evidence that says the answer is yes, and if it’s implemented in a smart way (as in France, for example, where copay amounts vary depending on the value of the treatment) there might be a place for this. The problem, as Aaron Carroll pointed out a few days ago, is that Americans already pay more for medical services than residents of most other countries, but our healthcare costs are going up faster anyway.

But why do Americans pay so much? Part of the reason is that published averages include the uninsured, who have high out-of-pocket expenses. But that’s not all. Even the insured, it turns out, have pretty high out-of-pocket expenses. Via Catherine Rampell, here’s a chart from the Labor Department that shows coverage of various conditions by private sector health plans. It includes everything that’s even partly covered, and as you can see, it leaves a lot to be desired. Sure, office visits and basic hospital costs are covered. But if you need an organ transplant or kidney dialysis or diabetes care? You’re probably out of luck. Hell, even maternity care and physical therapy are a crapshoot. But just remember: America has the best healthcare in the world, baby. Don’t let anyone ever tell you otherwise.

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Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

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SIX TRUTHS

Reclaiming power from those who abuse it often starts with telling the truth. And in "This Is How Authoritarians Get Defeated," MoJo's Monika Bauerlein unpacks six truths to remember during the homestretch of an election where democracy, truth, and decency are on the line.

Truth #1: The chaos is the point.

Truth #2: Team Reality is bigger than it seems.

Truth #3: Facebook owns this.

Truth #4: When we go to work, we're in the fight.

Truth #5: It's about minority rule.

Truth #6: The only thing that can save us is…us.

Please take a moment to see how all these truths add up, because what happens in the weeks and months ahead will reverberate for at least a generation and we better be prepared.

And if you think journalism like Mother Jones'—that calls it like it is, that will never acquiesce to power, that looks where others don't—can help guide us through this historic, high-stakes moment, and you're able to right now, please help us reach our $350,000 goal by October 31 with a donation today. It's all hands on deck for democracy.

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