The American healthcare system can be summed up in one word: insurance. The Masters of Illusion tell their spell-bound audience that insurance is the only way to avoid bankruptcy when faced with a medical bill.

This is a lie, but is well told, so is believed.

60% of bankruptcies in America are due to expensive medical bills. As Dr. Steffie Woolhandler told CNN, “Unless you’re a Warren Buffet or Bill Gates, you’re one illness away from financial ruin in this country.”

The median annual cost of an American nursing home in 2010 was $75,000. Reported cases of physical and mental abuse within them are at astronomical levels.

In 2010, Americans paid nearly $2.6 trillion for healthcare services.

Only the poor are eligible for Medicaid,* the state-run safety net. It can cost a middle income family $14,000 a month to pay for nursing home care. This may be for a ‘semi-private’room. (Genworth Survey, 2015). Most people can only afford to purchase a 3 to 5 year benefit period. People are recommended to purchase some type of inflation protection. Policies contain an ‘elimination period’ – the time where you will be responsible to pay for the cost of your care before your Long Term Care insurance policy begins to pay benefits. Most people chose a 30 to 90 day period.

Costs vary: In Florida, the latest statistics show the average cost for care is circa $190 a day; in New York it is $380 a day. The insurance premium is directly related to benefit amount chosen – a plan that pays $200 per day will be twice as much that only pays up to $100 per day.

According to a survey conducted by the American Association for Long Term Care Insurance, in 2011, a typical comprehensive policy paying up to $150 per day for three years of care cost an average of $1,480 annually for a single person if purchased at age 55. ($2,355 at age 60). Thus, to cover $300 of care a day, an average cost per person would be circa $3,000 per anum, and double that if paying for 6 years of care. The (so called) Affordable Care Act does not apply to long-term care insurance, so providers can and do turn people down based on physical health and existing medical conditions.

*Medicaid is jointly funded by federal and state governments. It pays for medical care for people with very low income and asset levels, and long-term care for people who have used up most of their own money.

Many poor people are forced care of their parents, at great emotional cost to them and their children.

The Masters of Illusion tell their spell-bound audience that insurance is the only way to avoid bankruptcy when faced with a medical bill.

This is a lie, but is well told, so is believed.

This is the plan for the UK.

In reality, many on middle and lower incomes will have to sell their home to pay for ‘care’.

The future generation will be crippled by student loan debt, credit card debt, high mortgage/rent debt, and on top of this will be asked to ‘contribute to their future’, only to find out that their contribution does no stretch very far.

Only the rich will be able to afford to be sick for any length of time.

The mortgage payments of the ‘aspirational class’ are only a disguised payment for long term care.

lenin nightingale 2015

‘The U.S. health care system has become one gigantic money making scam, and you are about to see the statistics that prove it. Today, the United States spends more on health care per person than any other country in the world by far. The health insurance companies and the big pharmaceutical corporations are raking in gigantic mountains of cash and yet the quality of the health care that we receive in return is rather quite poor. People living in Puerto Rico have a greater life expectancy than we do’ (Michael Snyder,



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