Insurance Blog

Finance Blogs » Insurance Blog » Can US health care contain Ebola?

Can US health care contain Ebola?

By Jay MacDonald ·
Thursday, October 9, 2014
Posted: 2 pm ET


Hazmat crew decontaminating the apartment in Dallas where Thomas Eric Duncan stayed. © JIM YOUNG/Reuters/Corbis

In the days since the death of Thomas Eric Duncan, the first person to be diagnosed with Ebola on U.S. soil, two workers at the Dallas hospital where he died have tested positive for the disease. And federal health officials say one of those women took a commercial flight back to Texas from Cleveland the day before she reported symptoms.

All of this has left America's health care infrastructure shaken but resolute to swiftly recognize, contain and treat a virus with no known cure.

That's a tall order for any health care system, especially a private-market one like ours that has, until recently, had limited incentive for everyone to play well together.

Don't misunderstand: We manage to get the job done hospital to hospital and physician to physician. It's just that the sheer multitude of proprietary medical communications channels and software can make presenting a united front for something like Ebola a logistical nightmare.

Government agencies mobilize

The Centers for Disease Control -- and let's be sure to tack on its last name, "and Prevention," in this context -- knows well what it's up against here and has been working around the clock to prepare Main Street health care for what has the potential to be the Godzilla bug of our day.

The CDC's Health Alert Network, which keeps providers up to date and on the same page, has been stuffed with briefings, guidelines and protocols to keep everyone from 911 operators and emergency room docs to EMS crews and front desk staff apprised on how to corral this monster should it saunter into their town. The CDC now even offers a weekly course to clinicians on safety and infection control.

The agency has closed ranks with the Department of Homeland Security to enhance security screening for Ebola at the five U.S. airports that receive 94 percent of the inbound traffic from the west African nations hardest hit by the virus. The five international hubs include:

  • JFK in New York
  • New Jersey's Newark Liberty
  • Chicago O'Hare
  • Washington Dulles
  • Atlanta Hartsfield

The CDC also has been reaching out to passengers who were on the Cleveland-to-Dallas Frontier Airlines flight with that second Texas Health Presbyterian Hospital employee to test positive for the Ebola virus.

The concerns for health insurers

One can easily imagine the board meetings being hastily called at hospitals, physician groups and, yes, health insurance companies that will ultimately be called upon to settle the monetary bills to fight this mortal threat. The cost to care for Duncan, an uninsured Liberian, ran in the neighborhood of $500,000. Suffice to say, that's a very uncomfortable neighborhood if you're a health insurance company.

While specialty-lines insurers have offered group coverage to non-governmental humanitarian organizations such as Doctors Without Borders that cover all diseases, including Ebola, claims have been relatively few. That said, the cost of the experimental drugs that were used to treat American volunteers Dr. Kent Brantly and Nancy Writebol typically would not be covered.

And so, we wait and watch, taking what comfort we can in the global response to such past epidemics as AIDS, swine flu, bird flu and SARS, and hope that a medical Maginot Line against a virus that looks disarmingly like a child's doodle will be similarly successful.

Follow me on Twitter: @omnisaurus

Get more news, money-saving tips and expert advice by signing up for a free Bankrate newsletter.

Veteran contributing editor Jay MacDonald is co-author of "Future Millionaires' Guidebook."

Bankrate wants to hear from you and encourages comments. We ask that you stay on topic, respect other people's opinions, and avoid profanity, offensive statements, and illegal content. Please keep in mind that we reserve the right to (but are not obligated to) edit or delete your comments. Please avoid posting private or confidential information, and also keep in mind that anything you post may be disclosed, published, transmitted or reused.

By submitting a post, you agree to be bound by Bankrate's terms of use. Please refer to Bankrate's privacy policy for more information regarding Bankrate's privacy practices.
October 15, 2014 at 9:10 am

None of the Ebola victims should've ever been brought to the US. If the US wanted to help them then volunteer doctors should have been sent to the patients. Another total failure by our government. Now we are all at risk from a new threat because a few individuals.
And Sue, don't even get me started on Obamacare. A total racket concocted by a non-American just to win re-election. Every official in Washington should be imprisoned for fraud,theft, treason and complete failure to uphold the Constitution and Declaration of Independence.

sue dawson
October 12, 2014 at 8:57 pm

It concerns me when I struggle to keep insurance as I am just above the poverty level and find my available rx list as becoming less each year which at times I don't fill or refill the prescriptions! when a non American citizen comes in our usa and runs up a medical bill of over %500,000 FREE. I am a good us citizen...why must I pay for medical treatment and the ebola patient get it for free? something is wrong here I am sorry he died...but why must all us americans have insurance or be fined. the Obama can has made life worse for senior citizens