Wednesday, August 26, 2009
National Healthcare Reform
I stand firmly on the side of reform. I believe we need to make sure everyone can have basic healthcare. In my past, I lived without insurance coverage during my twenties because my employer didn't offer it and I made so little money (I lived below the poverty line) that I couldn't afford insurance even if it was available. Most of the time during those years, I couldn't even afford to eat.
Years later I had a decent job and I had what I believed was good insurance coverage. I ended up in the hospital for a few days to the tune of $10,000.00. My insurance company refused to cover my stay or surgery. They said I had a pre-existing condition. According to the terms of my insurance policy, for it to have been a pre-existing condition, it would have had to have been diagnosed by a doctor previously. It was never diagnosed because it was not discovered until I ended up in the hospital. Sure, I could have gone to court to fight it, but I didn't have the money for a legal battle and the insurance companies count on that.
Now, the biggest expense I pay out every month is for insurance premiums for myself and my two kids, student loan payments run a close second. We in the U.S. pay more per capita for our health coverage than people do in other countries, yet we can't afford to get sick. We're at the mercy of insurance companies who can refuse to cover us for basically any reason and then we're liable for the medical bills. This has to change. Below is an interview with a woman who was insured, yet went into debt of over $100,000.00 because her insurance wouldn't cover her cancer treatments.
Maybe it's a simplistic solution, but if the poor, the elderly, military personnel, government workers, and members of Congress all have access to healthcare, and those programs seem to be working for them, why not open this coverage to the only people left, the middle class? What do you think?
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