
I’m not a Michael Moore fan.
I find him mostly obnoxious with a few good arguments. I think that his abrasive personality overshadows his intentions and distracts from his purpose. However, I’ll admit, I’m intrigued by his most recent movie, Sicko. It’s definitely on my to-watch list. Having lived in the United States my whole life, I know no other health care system than the one we currently use. As long as I’ve understood health insurance, I’ve known about in-network providers and out-of-network providers. When I got my first job, I chose the health insurance plan with the highest deductible ($5,000) so that I would have the lowest monthly premium. It is beyond my comprehension that there are some countries in which you can walk into any hospital and receive treatment.
Take Canada for example. Here’s a description from a Canadian Health Care website:
“Canada’s health care system is a group of socialized health insurance plans that provides coverage to all Canadian citizens. It is publicly funded and administered on a provincial or territorial basis, within guidelines set by the federal government.
Under the health care system, individual citizens are provided preventative care and medical treatments from primary care physicians as well as access to hospitals, dental surgery and additional medical services. With a few exceptions, all citizens qualify for health coverage regardless of medical history, personal income, or standard of living.”
The most amazing part of the husband’s recent ACL and meniscus reconstruction surgery was that we didn’t have to pay a dime. His company’s health insurance plan is absolutely incredible. When we first got married and I switched over to his plan, I didn’t believe him when he said he didn’t pay a monthly premium. When he showed me his paystub, I then quickly assumed that his coverage must be lousy. As it turned out, it was actually a lot better than mine. At the time, this was most evident in prescription medicine. On my health insurance plan, I was paying $30 per pack of birth control pills. On his health insurance plan, I now pay $40 for 3 packs of birth control pills. And they conveniently mail it to my door through Express Scripts.
I don’t think we fully grasped how good the insurance coverage was until we decided to get the ACL and meniscus surgery and started looking at prices.
eMedicine.com says, “The average cost for surgical repair of an ACL tear is approximately $11,500.”
I’ve Googled and looked everywhere for different price quotes and it varies pretty widely because I don’t think there are price controls on ACL surgeries but the quote above is about the median if not a little lower that what I’ve found.

Ever since the night of the surgery, the medical supply companies keep calling to drop off a continuous passive motion (CPM) machine (pictured above). It basically helps keep your knee in motion by bending and unbending your knee continuously. It’s also covered by our insurance plan and it retails as several thousand dollars.
We didn’t even pay a co-pay for the doctor office visits or the hinged knee brace which is also another few hundred dollars or so.
I don’t know what we would do if we didn’t have health insurance. I can’t imagine living in the United States without health insurance. It would be a complete nightmare– which I think is what Michael Moore’s movie is trying to demonstrate.