A LAYMAN’S PERSPECTIVE OF CORONARY BYPASS SURGERY
Paul JasonHaving described my regimen of post-surgical drugs in the last installment, my commentary on that subject would be incomplete if I failed to address the one last “wonder” about these drugs: their cost.
The monthly retail cost of these medications is over $200.00 (a little less if your pharmacy has a “senior citizen” rate). By far the most expensive medication of the group is Lipitor. Fortunately, my medical insurance plan covers a significant portion of these expenses so that my actual out-of-pocket cost is less. Of course, the plan costs me over $5,000 a year in premiums and covers me alone. Is it any wonder that so many moderate-income, retired and elderly people are desperate to receive financial deliverance from the impossible costs of their life-preserving prescriptive medications.
I find it incredible that any individual in the United States who can afford to own his/her own home is entitled to deduct every penny that he/she pays in interest on his/her mortgage loan, thereby receiving a subsidy towards the capital appreciation of the value of that property, but that no individual can deduct the cost of his life-saving or life-preserving prescriptive medications unless they, together with his medical and dental expenses, exceed 7.5 % of his/her annual adjusted gross income.
Thus, for example, in spite of the relatively expensive health insurance plan that I pay for, the out-of-pocket co-payments that I am generally obligated to expend for medical services and prescriptive medications amounts to an additional $2,500.00, more or less. I am unable to deduct one penny of that expense on my income tax return.
Finally, I would be remiss if I did not comment on the fact that in spite of the reality that these wonder drugs have been proven to reduce the necessity of hospitalizing patients suffering with episodes of congestive heart failure and myocardial infarction (the pharmaceutical companies claim that for every dollar spent on prescription drugs $3.65 in hospital costs are avoided; that 50,000 heart-related deaths could be prevented each year in the U.S. if high-risk patients received statin drugs; and that deaths attributable to heart disease and stroke have been reduced by 50 percent in the past thirty years due to drug therapy), such hospitalization is essentially covered by Medicare, while the drugs are an added expense.
Congress’ efforts to provide drug coverage at prices the average American can afford has been inadequate at best. I subscribe to the notion that the medical/drug needs of the American people will not be properly served until they receive the same coverage their elected representatives, the members of Congress and the President, do. I challenge you to name one other milieu in which the employees (our elected officials) receive better health care benefits than their employers (the voters).
To be continued…

Ellen Bittner