Tag Archives: insurance

Tired, Can’t Afford to be Sick

I’m kind of tired hearing the words that people need to be responsible for their own healthcare costs from those who don’t pay for healthcare.I’m kind of tired of looking at my husband, a healthy 50+-year-old man who has to pay over $400 a month for a $10k deductible non-ACA insurance policy. Non-ACA because only a handful of docs in our hometown accepted the ACA coverage. But the ACA policy was only a few dollars cheaper anyway.

I’m tired of paying $100 for the “free” annual wellness exams.

I’m tired of hearing health care is a “personal responsibility” not a right as a citizen.

I heard a former republican governor of Utah–Mike Leavitt–say all nations know that when their citizens are paying this much of their income on healthcare, they must make changes or their nation is at risk. I’m tired of politicians ignoring this fact.

I’m tired of hearing about how bad a public healthcare policy that insures more for less is a catastrophe for insurance companies while insurance agency leaders rake in record profits and citizens go broke.

I’m tired of hearing how if people got rid of their iPhones and maybe worked a few extra hours they could pay for their insurance. It just shows how completely disconnected Jason Chaffetz (R-Utah) is and I hope his constituents remind him of that when they next go to the polls. I just want to scream, dude, if someone’s already working 72 hours a week or more and healthcare is breaking them, how the heck are they supposed to do more and WHY should they be phoneless because you don’t want to help fix the problem?! How about you quit with all the big business tax cuts? Oh wait…how much was the bank bailout again? $700 billion. And you think the problem is Johnny has an iPhone? 

I’m tired of the politicization of something that shouldn’t be political. 

ACA didn’t fix the problems, but thank GOD, it made the attempt. The new republican answer leaves people of poverty in deeper poverty while rewarding the rich once a-freaking-gain.

I’m tired of hearing people who don’t pay for healthcare complain about politics of personal responsibility. 

I’m tired. Thank God I’m not sick because I can’t afford to be sick anymore. And the republican “repeal and replace” will make things even worse.

Why I’m not anti-Obamacare even though I know it won’t solve all the problems

LoveToday’s my husband’s birthday. He’s 49. He’s rarely sick. He’s self-employed. He pays taxes. He makes a good living.

Several years ago the cost of adding him to my insurance quadrupled, so he got his own insurance, which he uses rarely. Over time that policy continued to escalate in price so he upped the deductible. It’s now $10,000, and he pays thousands of dollars a year for that coverage just in case. He rarely uses the insurance for anything other than a yearly physical. In fact, in over a decade, he’s used it three times, two of those last year.

Before he upped the deductible, he had a kidney stone. We thought he was having a heart attack and called an ambulance. We were young and didn’t know better. I think it was over a decade ago, but time gets fuzzy. That was the only time he used the insurance for anything other than a physical until last year’s kidney stone episode. We knew what the problem was and went to the ER on our own. The ER nurse was awesome, kind and helpful. We saw the doctor for all of 30 seconds. He told us my husband had a kidney stone and walked out. We paid over $2000 for that ER visit. Over $1000 for the 30 second doctor’s diagnosis. The trip to the urologist was cheaper.

He’s had a kidney stone since then, but he chose to self-medicate and get through it on his own instead of going to the doctor.

In the last year he’s developed reflux. Last night that reflux turned into something awful. I looked up the symptoms online and have a pretty good idea of what’s wrong. We’re going to try diet changes first. If that doesn’t work he’ll have to break down and go to the doctor. And that trip to the doctor will break us even though he has insurance. Insurance he pays an arm and a leg for. Ridiculously expensive insurance that is still cheaper than putting him on my state teacher insurance policy.

I realize Obamacare isn’t the answer, but it’s at least an attempt to fix a problem that exists with our current system.

I Understand

Once again I’m going to say thank goodness for Dave Ramsey.

Until Dave, DH and I purchased new cars on a regular basis. We’d been brainwashed to believe a car payment is a normal part of life. Just like we’d been brainwashed to believe student loans were no big deal and credit cards (and their points) were a help when it came to budgeting.

Today we’re almost debt free…other than medical bills.

DH is self-employed, and his insurance deductible is $10K. He had kidney stones earlier this year. One trip to the ER later and, boom, hello debt.

DH has a $10k deductible because it’s what we can afford. It sucks that his only insurance is one that protects us from something catastrophic.

It stinks that he has a solid small business and I’m a teacher and we both have degrees and we’re making way more money than we ever dreamed but we can’t afford for him to go to the doctor when he’s sick.

It’s that kind of thing that makes me understand the rage of Occupy Wall Street and the Tea Party.

Something’s got to change. But as long as people fighting the status quo allow themselves to become political pawns on either side of the congressional aisle, if they refuse to work together, real change can’t happen.

That’s why I love No Labels. We need to hold our politicians accountable for their refusal to compromise, their stubborn reliance on party talking points instead of real dialogue.

This is America. And it’s a scary time for us. But I don’t believe the pundits who say we’re done, we’ve lost, and there’s no coming back from this global economic downturn. However, we must stand up and make our voices heard. We must tell our elected officials we won’t allow politics as usual or corporate greed and corruption to destroy us.

And if our politicians don’t hear us now, we must make sure they do when we go to the polls.

 

 

I <3 Starbuck's

DD’s been working almost full-time for a little over three months, and she’s qualified for benefits including a matching 401(k). She’s 19. And her benefits blow mine away. I’ve been teaching 16 years. Something’s wrong with this picture.
But you know what’s right with it? The fact that Starbuck’s gives benefits to employees, even 30-hour a week employees that aren’t management. I’ll definitely be buying my fru-fru drinks there from now on: hello grande non-fat two pump chai latte.
And another quote I love:
“”I finally figured out that not every crisis can be managed. As much as we want to keep ourselves safe, we can’t protect ourselves from everything. If we want to embrace life, we also have to embrace chaos.”” Susan Elizabeth Phillips, Breathing Room