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About Medford mail tribune. (Medford, Or.) 1909-1989 | View Entire Issue (March 12, 1957)
o O Tuesday, March 12, 1957 MEDFORD (OREGON) MAIL TRIBUNE THIRTEEN o o Development of Medical Insurance Said Of Big Help To (Economy of Average Man Editor ter to thm kcoch) of thrr lls .mm bv bnt yr't prevl Jnt m J 1 1 mi Jatedte! Amo- riatir immmm irwfc ridtnf b- profekt: t7 Dn,. tm KXS3 Wrixk torn TJaited Fran In th la tro or three dec U adg mrko hara witnessed tffc ro-A w a a kiea that has been ftntiOoliy successful. ThA is tra eWvelopiTient oa in surant to htip ptf hr?ital and doctor bin a.4 protect people against vfif-ia of ill ness. Olt reem riai to physi cians and tt.lrrs about 20 years Qto that lerft mfmtmX at the American rro!a wtr haying trouble meein ewpenaas of ill ness. The weltny rr"9 abLa to pay with no tfou'al the Tery poor were car4 lot by county, state and federal ejoverrunents. But the average man vith a farrv ily was sometimes hit hard in the pocketbook when acidet r ill ness struck. There were two ideas proposed for meeting such medical ex penses. One was to let Uie gov O ernment take over our medical (are system, socializing med icine. The othr was to develop insurance for medical and hos pital expenses, protactiiyr peo ple against- the "risk", of be coming ill just as thay are pro tected against th risk ef fire or robbery or disability by other forms of insurance. The medical profession was confident that voluntary rather than compulsory health insur ance was the best answer to the problem of paying for care. Not only was the insurance Idea more in keeping with our Amer ican philosophy of taking care of our own needs when possible, but it was cheaper to patients in the long run than a government system. Furthermore, it would not lower our standards of high quality medical service as soc ialized medicine would. No Sals Predicted A lot of people especially those who were trying to sell the socialized medicine idea said voluntary health insurance would never work, that people wouldn't buy it. Well, let's take a look a the figures on in surance coverage today: Ten years ago some 20 million persons were covered by some kind of health insurance. To day more than 100 million Amer icans carry hospital insurance, more than 90 million have surg ical expense policies, and 55 mil lion are covered for medical ex penses. And he end is by no means in sight. All types of medical and health insurance continue to show substantial sub scriber gains. In 1954, regular medical ex pense protection gained 10.7 per cent surgical expense protec tion, 6.1 per cent, and hospital insurance, 4.3 per cent. Ten years ago the problem was how to make health insurance available to most Americans. To day that problem is pretty well solved. Now insurance com panies and the medical profes sion are improving on the al ready existing plans, figuring out ways to extend coverage. The trials are not over; experimenta tion continues, but now there is a solid foundation of increased experience each yetr on -which to build. One tj&e of coverage o parti cular interest is major medical expense insurance to provide economic protection against "cat astrophic illness. ny illness. acute or chronic whose financial impact seriously disrupts the family budget. Major medical insurfnce goes beyond the usual policies and plans in protecting against heavy hospital and doctor bills and pro vides protection against other costs arising from serious illness, such as special-duty nurses' fees and drug charges. Number Doubled During 1954 the number of persons with major medical ex pense protection nearly doubled increasing by 83 per cent. The insurance indisytry believes even more striking development will be seen in the near future. As experience has accu mulated in the field of hospital and medical insurance, more peo ple are coming to the conclusion that most families prefer to meet their small medical bills on a pay-as-you-go basis, but do want protection against big bills. Most major medical expense insurance policies have a deductible fea ture which operates like your car insurance. You pay the small bills up to a certain amount but the insurance company takes over the major portion of the big bills. The medical profession has more than a passing interest in the development of health in surance. Doctors themselves were the originators of Blue Shield plans to help people in sure against medical expenses. Originally, such incurance was offered only to groups whose in comes were below a certain level, but the program worked so well it soon grew into a volun t a r y prepayment program in which today more than 90 mil lion people are enrolled. What are some of the prob lems the insurance industry still must surmount in connection with medical and hospital in surance? First of all, there must be continued effort to extend in- : surance to more people espec ially to older people and those in rural areas. Insurance, based upon the idea of pooling the risk, is most eco 'nomically written on a group ; basis. That is, the employees of I a particular company or particu ! lar organization all are covered together. Individuals can buy in surance, of course, but premiums for individual insurance must necessarily be higher, since the cost of administration is greater. We must extend group insurance to smaller groups to rural croups, and to community groups. Plant for Aged Arrangements must be made to include more people over 65 under insurance. In the past, some companies arbitrarily drop ped persons when they reached age 65 and even today, some refuse to accept older subscrib ers. Efforts are continuing to solve this problem, too. AMA's Council of Medical Service, through its committee on pre payment medical and hospital service, has been exploring means of providing insurance to citizens who have retired and are living on small incomes and who are not eligible under pre sently existing public or private plans. More and more companies are continuing to carry older sub scribers, but the biggest problem is a financial one. With reduced incomes retired people often have trouble meeting insurance premiums. Several large organiz ations are experimenting with continued health insurance pro tection for retired employees. Other companies are working on plans to allow individuals to pay insurance premiums during later years. There are some questions pa tients often ask me about in surance. How do I know what in surance to buy? Or, how can I be sure I'm getting adequate benefits? There are enough in stances of disgruntled policy holders who find their insurance doesn't cover what they thought it covered to give the subject some additional attention here. Soma Rules Suggested Here are the rules I'd suggest to my patients: 1. Buy from a company you know or one you check up on and find is reputable. 2. Read your policy. Some salesmen are over-enthusiastic in describing benefits of their policies. On the other hand, some policy-holders don't take time to find out exactly what they are buying. 3. Keep your policy in a safe place. You'll avoid isconvenience and delay of payment of benefits. 4. Review your family's in surance program from time to time to make sure it's adequate. You'll find your health insur ance needs may change as years go by. , If you shop for your health I insurance wisely, and buy wise-' ly and if you keep abreast of 1 the new developments in this ! field, you'll be able to protect yourself and your family agaisst high hospital or medical ex-. penses, should serious misfor tune strike. Monthly insurance premiums are a small price to ; pay for peace of mind. Tomorrow: Dr. Hess writes en the cost of hospital cere and i what doctors are doing about It ! miaw m mam msace PACIFIC , INDUSTRIAL 16 S. Central Phone 3-5308 BARGAIN GRADE 2x4-8' $15.00 Per M' CHENEY STUD MILL CENTRAL POINT I.... jlDJ .IIHUl in 1 1 J I -.." ..." , ifrX Ay vJSAi ':' " I nf- - r'U O A 'jXifeiii tm iC- 'tift-1 tnv h.ifH ' ju i rtS" iMinitowitrfA'i - I COLD AFFECTS IKE'S HEARING With a head colds that has affected his hearing, President Eisenhower seems to be strainin g (left) to catch a reporter's question dur ing his press conference. Coughing repeate dly (right), the president told newsmen that he was suffering from a temporary difficul ty with his hearing (note the cotton in his ear). On Government news, Ike said it might be necessary to slow up Federal spending in some projects in order 4o relieve inf latio nary pressures. 4-H Club Newi PHOENIX DAIRY CLUB The monthly meeting of the Phoenix Dairy club was held Thursday March 7. at 243 So. Stage rd. A new member, Vernon Calkins, was welcomed to the club. The major portion of the meeting was devoted to discus sion of the club's part in the forthcoming Friendship Follies. A motion picture was shown after the business meeting. It was entitled "Along the Milky W a y." It showed methods of selecting good animals and gave reasons for doing so. It also pic tured and discussed the opera tion of both large and small dairies and processing plants. After the movie, the cast re hearsed their skit. "I've Got a Secret." which will be their part of the Friendship Follies. Jim Martin, one of the contestante, used as his secret at one of the practices. I've got my FFA pro ject for this year in my pocket." Reporter. O Gail Gliddea Investigation of Cahill Commutation In Stormy Hearing Salem (U.R) A House joint resolution calling for investiga tion of the commutation of Otto Cahill's one-year prison sentence by Gov. Robert D. Holmes was the subject of a stormy but in conclusive hearing before the House Committee on State and Federal Affairs Monday. No final action on the resolu tion was taken. Republican Reps. Wayne Giesy, Monroe and Graham Kil lam and Fred Meek, Portland, testified that they had no objec tions to D e m ocratic-sponsored amendments extending the in vestigation to pardons -end re prieves granted by other gov ernors. Speaker Gaveled Down Rep. Giesy was gaveled down by Committee Chairman Norman Howard, Portland Democrat, when he attempted to read two medical reports on Cahill. Howard said the reports already were in the committee's hands. Rep. H. H. Chindgren, Molalla Republican, responded to How ard's handling of Giesy by say ing he opposed the "horsewhip ping" of witnesses. "I've never seen anything like it in the Oregon Legislature," Chindgren said. Doesn't Like Idea Rep. Clarence Barton, Coqille Democrat, told the committee he "didn't like the idea of horse whipping governors either." Last week House Speaker Pat Dooley charged that the original resolution by Republicans call ing for the Cahill investigation was "politically inspired." Cahill was sentenced to a year in prison for converting to his own use S750 in funds belong ing to the Taft-Nelscott-Delake water district, governor Holmes commuted his sentence for med ical reasons three weeks ago and just three weeks before Cahill would have been eligible for parole. On The Side By E. V. Durling (Distributed by King Futures Syndicate, Inc.) Earth-Moving School Opened in Chicago Chicago (U.R) A Chicago technical school, with an eye toward the gigantic highway-building programs already planned for the near future, has opened an "Earth- moving School." The school, located on a 600 acre tract in western Illinois, will teach students to operate a complete line of earth-moving and motor truck equipment such as a rear-engine crawler tractor equipped with a 1 Vi-cubic-yard front-end shovel and a newly de signed off-highway truck for use Too many fires continue to be caused by careless smokers. Especially by those who smoke in bed. In some cities that man ner of smoking is a criminal of fense. Careful people who smoke in bed either use that type of cigarette that will cease burn ing when not puffed upon or they use fireproof cigarette hold ers. Horses and Women There are approximately 13 million "tall" women in this country. Also about 13 Vi million females who are pleasingly plump, stylishly stout or down right fat. According to those who should know, the ideal figure for a woman to possess in order to have little difficulty in being fitted with ready made clothes is as follows: Height, 5 feet 6; weight, 116; Bust, 34; Waist. 24 and Hips, 35. Time of Birth Astrologers maintain no horo scope can be accurate unless the exact time of day a person was born is known. I don't know what time of day I was born. Do you know at what o'clock you arrived in this vale of tears and taxes? Queen Elizabeth of England was born at 2:40 a.m., April 21, 1923, in London. So if the stargazers want to go to work on her Majesty's horo scope they have all the data that is necessary. Incidentally, this should be a good time for the stargazers to offer some pre dictions as to Queen Elizabeth's matrimonial future. Asking Queries from clients. Q. Who was the leading feminine player in original silent film version of "The Phantom of the Opera," in which Lon Chaney starred? A. Mary Philbin. Q. What is the so-called "Four Browns Diet" that Bostanions claim is an aid to longevity? A. The diet you refer to is as follows: Whole wheat, broad, baked beans, brown eggs and brown sugar. Auiomobilas After World War I in 1920. in heavy construction. Three courses are planned. They will include operation and maintenance of crawler trac tors, dump trucks, loaders and scrapers; use of motor graders and ail-inclusive instruction cov ering all machines. Dormitories will be construct ed in the area and tuitions range from $225 for the four-week mo tor grader course to $460 for the "comprehensive" 320-hour, eight-week all-inclusive course. The school, apparently will not be co-educational. there were 134 different makes of passenger automobiles on the market. How many of the makes of automobiles that were on the market in 1920 are still being manufactured? If you can ans wer that correctly I may be able to get you into the Young Old Timers. Of course, any automo bile dealer or salesman should be able to answer it quick as a flash or blush for his ignorance of the history of the industry with which he is connected. Gambling The gambling joints in Las Vegas, Nev., are reported en joying huge profits. They should be. In Euroupean gambling casinos the player has against him a percentage of only 1 35100. In Las Vegas, the per centage against the roulette player is 5 310. In addition to this bite the Las Vegas gambling joints have those slot machines so aptly styled "One Arm Ban dits." Ex-Wives Over two and half million women are now collecting ali mony in the United States. They are compelled to pay income tax on it. Their ex-husbands can use amount of alimony paid for tax deduction purposes. Only three states provide for the dis continuance of alimony when a woman marries again. In some states no alimony is allowed in the case of a childless wife. Briefly The Scotch terrier familiarly known as a "Scotty" is a breed of dog that is polite to every body in the family but gives all his love and devotion to one member of it ... In days gone by people liked to be different. For example, wedding rings were not all plain gold bands. About 60 years ago a popular type of wedding ring was one featuring clasped hands. Inside the hands an inscription was engraved. Australia has airline service to more than 380 cities, towns and ranch centers, ' SAVE Silver Dollar STAMPS R0XY ANN MKT. Sp-lng Street Graferian Beauty Salon South Central OK MARKET 1202 North Riverside OPEN TIL MIDNIGHT Watch For Other Silver Dollar Stamp Merchants tto! color harmony TDOOlC deco'iatirv! 1 We'll lend you the Color Harmony Book FREE. You'll see over 1500 lovely Super Kem-Tone and Kem-GIo' color schemes that can make your deco rating so easy and bring new Efe to your hornet Spr Rem-Ti gallon MM Yes, for the TOPS in QUALITY and for LOW, competi tive PRICES always shop HUBBARD BROS, first! They are your one stop headquarters for hardware, paint, housewares and sporting goods. Buy now for Spring! Use our convenient lay-away plan. THIS WEEK'S SPECIAL Bridge Size Cream & Sugar Translucent China Body with choice of several decorations. REGULAR Cnm A I Qc $1.25 Set Jr LvlAL UO set Rubber Maid Housewares! Hubbard Bros, stock all the more popular RUBBERMAID Houseware items in choice of available colors. Here are just a tew of the many items. Bath Tub Mats - 1 6V4 x 28'A $2.49 Double Sink Dish Drainers .-. 2.29 Sink Divider Mat 1 .69 O Liner for Double Sink 1.69 Rubber Kneeling Pads 99 New No. 6211 Dinnerware Storage Rack.... 3.79 Penguin Server Now you csa keep ice cubes solid ready for use all evening long. This insulated server his a 2-quart capacity. Besides preserving ice cubes, you can use it to keep hoc dishes oven hot for picnics or buffets. Inset of server is stainless steeL Handles are polished walnut. Mrs. Cordrey' Spatter Shield The three fold Spatter Shield saves a great deal of cleaning time when used with an electric skillet. $819 GALLON MILK JUGS Popular easy to clean wide mouth one gallon milk iugs with wire bail. 50 BAMBOO LEAF RAKES 33 Tooth wide fan leaf rakes with amply sized bamboo handle. Sturdy but flexible reinforced fan. A better grade raka. Luxury Mowing at Down, to Earth. Prices r 3 OCob&ttt Rotary Mowers 1 8MB (Mod.l 34) 1 8-Wk cutting width $99.50 21MI (Modd 39B1 21-hcll cutting width $1 19.50 Here are two famous Jacobsen Rotary Power . Mowers that spell quality performance and trouble-free operation for years to come. They're all-purpose, quiet running performers that make short work of tall grass and weeds. Exclusive Jacobsen Suction Lift Rotor, triple bearing crankshaft and Jacobsen-built Hi-Torque Engine. Leaf mulcher included at no extra cost. Sea our complete line of Jacobsen Power Mowers Conveni ent terms or lay-away plan. Free demonstration on your own lawn. OTHER MODELS $69.50 TO $219.00 CHROME FINISH Polished Copper Finish $g50 $995 Genuine Boyco POPPY HOUSEHOLD Wheelbarrow The "Poppy" household wheelbarrow Is the standard wheelbarrow other manufacturers are trying to copy. Heavier tray, sturdier supports, wide tread 10x2i" semi-pneumatic tires ball bearings. The Poppy h built for quality and long life. Not for price. CARBOFLEX Carboflex "Green" Blades for cutting most types of hard or soft masonry. Extra strength, safety, longlife Bonded with fiber glass to provide ex treme strength. For portable and masonry saws. For Round and Skil Arbors 7"xl8" and 8"xl8" sixes GARDEN TOOLS PRUNERS - SPRAYERS Hubbard Bros, have had .many years experience in selecting satisfactory working tools for use in this area. Variety of selection is good. Individual items are chosen to be the best in their price class. JUNIOR BASEBALL GLOVES Good gloves for youngsters developing in baseball. Oil tanned leather three finger and four finger models. . $395 $095 to 8 MflMo) InliyJlo) Ask about our 90-day contract or 30-day open account! No Carrying Charge - - " MAIN AND RIVERSIDE PHONE 2-6189 MEDFORD, OREGON ijiM sr. o
