This spring, BC Law Impact is excited to present guest posts from current students about the factors that drove them to BC Law and the impact the community has had on their lives. Today’s post comes from 2L Alexis Kral.
“You have just been diagnosed with a terminal illness and are informed by your health insurance company that you have two options: you can receive the prescribed treatment for the disease as covered by your insurance, or you can choose to forgo the standard treatment coverage and receive a lump sum payment at a percentage of the incurred treatment costs and no further treatment coverage.”
I was walking to work when I heard this scenario from Stephen J. Dubner, host of the podcast Freakonomics. He was trying to gauge audience responses for use in a future show and I immediately imagined what I would do if I were ever in that position. At first, I wanted to press pause and ask for more information. How terminal were we talking about here? What were the efficacy statistics of the standard treatment? Would I be fighting the disease from inside the walls of the hospital, or could I continue my life with minor inconveniences? These questions were the daily conversations I had been having while working in cancer research, so how could I make a decision without the answers? My thoughts soon became less about which choice I would make and more about the underlying issue at play – the increasing costs associated with healthcare.