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Tuesday, March 12, 1957
MEDFORD (OREGON) MAIL TRIBUNE THIRTEEN
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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
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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
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MAIN AND RIVERSIDE PHONE 2-6189
MEDFORD, OREGON
ijiM sr.
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