Politics of Health Insurance

David Ligler caught this 23 lb grouper on a fishing trip in 1975. He won a $300 prize.
David Ligler caught this 23 lb grouper on a fishing trip in 1975. He won a $300 prize. | Source

Cancer sucks...

Politics aside for now, this is more of a Sunshine Rant. Purge. Vent. Call it whatever you might, but I'm here to share my voice as a disgruntled American. Whether with Medicare, Medicaid, Obamacare or insurance companies - something is wrong with our system. Something must be done to fix it. We must stand unified as a society and fix it. We must stop protesting and begin to think about others who received that grim diagnosis. You never know, you could be in their shoes one day. Your life could change in a matter of seconds.

As a caregiver to my husband, I am disgusted on how americans who work so hard for so many years can get kicked to the curb when they are sick. They didn't ask to be unwell. They didn't ask for cancer to infest their bodies. It happened. They fight with every ounce of their being to beat the beast. Sometimes it works. Sometimes it doesn't.

My husband Dave is 62 years old. He's worked since he was 14 years old. He paid his taxes. He paid into Social Security. He paid his share of Medicaid, Medicare and every other goverment program he was supposed to.

Now that he needs assistance, he gets ignored. He purchased Short Term Disability Insurance for a maximum of six months. His reasoning for a six month policy? Because he thought if there was ever a reason he would need STD he would either be back at work or dead before the six months is over. Obviously, he's neither or else I wouldn't be purging right now.

Like I said he's a man who never, ever excepted a handout. His pride wouldn't allow it. His honor forbid it. Now he needs help.

Due to his cancer treatments he had to apply for Social Security Retirement. He's not able to work anymore. He then applied for Social Security Disability. He was accepted with no problem. Why? Because being a terminally ill patient with a sentence of 4-10 months the goverment feels they won't have to pay him for long so why put up a fight.

He was then told that he couldn't apply for Medicare until October 2015. Say what??? He has to wait two years from applying for Social Security Disability to qualify for Medicare. That's insane.

He then applied for Medicaid. He was denied. He makes too much money. Huh? He has zero income! "Oh, but his Social Security Retirement is his income."

In order to be accepted for Medicaid he would have to make less than $150.00 a month.

"Is that even possible?"

"Yes, it is. Some people have zero income."

Call me clueless. Call me an idiot. Call me whatever you want, but this situation is ridiculous!

This man is terminally ill and they are denying him the benefits that he paid into for the past fifty years. That's a darn shame.

Now he did get approved for Medically Needy and the state will pay medical bills ONLY if they are over $1,411.00 out of pocket for the month. If the monthly bills are less than the goverment will not pay a penny. Are you freaking serious??? Yes, they were.

There are cancer grants and foundations that he could apply for and he might get accepted for those. I emphasize "might." So in between doctor appt's, treatments, caregiving we must find the time to beg and plead for funds for his continued treatment.

Gramps with Faith 2010
Gramps with Faith 2010 | Source

Granted there are always a few bad apples in the bunch. You know the ones who take advantage of the system. The ones who fake injuries and disabilities so they could reap the award. This isn't right.

I'm not judging them. But, it's because of situations like this that some citizens can't get Medicare for two years. A two year waiting period. This is unfair to so many people who have earned the right to not have to stress over medical bills. They earned the right to fight the good fight to kick cancer's ass.

Prisoners have good insurance. Would one have to be locked up in order to get cared for by the state? Illegal aliens have more respect than Americans. They could just walk into any emergency room and have their wounds tended to. In addition they could give birth to their babies.

Hookers, pimps, drug dealers, gang bangers...free insurance. Not to sterotype, but this is where I am now. I don't want to be here. I'm just an angry American.

Yet, my husband...a hard-working and dedicated American who is trying his best to fight for his life hears, "We're sorry sir, but you don't qualify." That, my friends is messed up. "Thank you for being an outstanding citizen. Thank you for the thousands of dollars you so graciously donated to our agencies. This money will go a long way in providing health care for the ones who donated zilch."

Orlando's favorite butcher
Orlando's favorite butcher | Source

I've spoken with so many patients who lack health insurance or are paying a fortune for it with Cobra. These people aren't lazy bums who are in need of a handout. These are hard working folks who also spent years supporting others and now they are in need of healthcare due to cancer. Our system is screwed up.

On the other side of the spectrum you have the caregivers. They are wives who cared for their husbands. They were dependant on that health insurance that's now gone. They aren't over 60 years old and aren't disabled so they get kicked to the curb. The years that they spent caring for others means nothing to the goverment.

I asked these people who are grieving, worn out and burned out...do you want Obamacare? Heck YES, they say! Everyone should be insured. No one should ever be turned away because they don't have insurance. Big deal if the rich have to pay a few cents more, it's about brother helping brother.

Speak to most Canadians and they will tell you that Americans look foolish fighting Obamacare. At least that's what I've been told. So please, stop your hating and belly-aching. Think outside the box. Obamacare might not be perfect, but everyone and I mean everyone should be insured. Insurance companies have had the free reign long enough by ripping off the consumer. It's time they are put in their place.

I guess you could say reality slapped me in the face. I never had to deal with "agencies" until now. I didn't know the rules and regulations. I didn't know the ins and outs. I didn't know anything. I do now. I feel for those who were and continue to be shunned by the system. I learned from my experience. I hope others learn too.

We aren't always going to agree. We all have our individual point of view. Each persons POV should be appreciated. How else would we learn from each other without listening and caring?

In the meanwhile don't judge unless you have walked in someone elses shoes. Don't jump to conclusions and think you have all the answers. Instead focus on how you could make the world a better place by offering a helping hand to someone in need. There are many people who would rather suffer than speak up about what ails them. Be their voice. Make a difference.

For the record I supported Obamacare before I witnessed the downfalls of our healthcare system. This concludes Sunshine's Rant on the Politics of Health Insurance.

Obama Health Plan in 4 Minutes

Susan Keeping of Canada shares her journey...

I was diagnosed with breast cancer in my 40s. Even with insurance through work, I spent over $100 a month on chemo pills. However, 3 surgeries, a myriad of tests, weekly blood tests, IV chemotherapy drugs, radiation, visits to my oncologist, were all covered by my national health insurance.

I would not have been able to afford to pay my medical bills without out it because I had no savings at the time.

Also, without national health insurance I would not be covered by an insurance company due to the pre-standing condition of Cancer, as it is I can't get extra insurance because of it.

Also, more recently I had a broken bone, visits to the doctor and hospital were all covered. Being able to visit a doctor when I need to and know I won't have to pay cash is a good thing.

Michael James a US/Canada resident shares his thoughts...

"I'm a US citizen who became a permanent resident of Canada in 2008. After 90 days, I became eligible for Ontario's Health Insurance Program or OHIP. One of the things I immediately noticed was that I had no co-payments, no deductibles and no spending caps.

The program is paid by provincial taxes on everything we buy up here. The program is pretty much bare bones coverage, but its much better than what I had when I was in the states. I needed a job with health benefits and I would have had to pay $$$$$ for the same thing for private insurance. I would not have been eligible for Medicaid because of my earning, nor would I have been for Medicare because of my age.

OHIP is not perfect with lack of doctors & some waiting periods on important tests. But, it's no different than in the states. Considering the alternative is spending thousands and thousands of dollars on health care costs in payroll taxes, deductibles and co-pays in the states, I'll take universal health coverage any day."

An Aussie point of view...

Obama wants to make it like our MEDICARE.

He is only trying to make health care better for Americans.

Health Care in Australia

Thank you Glynis!

Cindy from Illinois shares her point of view...

I came from IL. I am very well versed in what the Obamas are and what they represent. No one should have to want for healthcare, but socialism is never the answer. Canada and Norway are prime examples of this. One of my best friends was born in Norway and he is going home this week to say goodbye to his aunt. She had ovarian cancer and due to the socialistic medicine there she could not get treatment in time and even though she is a nurse (only 60), she had no options other than to wait.

By then it was too late- they operated but it had spread. She has fluid in her lungs, her kidneys are failing and they said it is not worth it to treat her. Socialism does not always equal humanism. It will lead the country into decline. When folks think that they will not get ahead by trying harder, where is the incentive to continue to try?

I understand both sides of the healthcare argument, but reform should come from torte issues and a REALLY good look should be given to the drug companies. They are able to buy their way into markets and charge whatever they want. Sensibility has to enter the equation at some point. The sad fact is that if you or I went to an ER, the first they would ask for is our insurance card. But if we had snuck across the border from Mexico, they would just treat us. Something is wrong with that.

Have your voice heard on Health Insurance

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© 2013 Linda Bilyeu

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Comments 86 comments

HSchneider 3 years ago from Parsippany, New Jersey

Excellent Hub, Sunshine625. The bottom line is we need universal healthcare. Obamacare is a first step. It is a shame that it is all we could politically get right now. I am sorry that you and your family are suffering financially over this through no fault of your own. This just compounds one misery upon another. We are the laughingstock of the world.


billybuc profile image

billybuc 3 years ago from Olympia, WA

There is nothing right about any of it, Linda! It sucks what is happening to your husband and it sucks what is happening to millions of others.


billybuc profile image

billybuc 3 years ago from Olympia, WA

I have tried to write about the injustices in this country but I think for the most part people don't want to hear about it. We have lost our way as a society and we have lost our unity as a country. Whatever happens to the weakest of us happens to all of us.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi HSchneider, I appreciate you sharing your thoughts. I agree about the bottom line. It just seems many others don't agree. We are entitled to our opinions, it's a sad situation.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Bill, One thing you and I aren't is weak. We could pull the rest up, but it does get tiring pulling all that weight. We could only do so much. Don't get discouraged...keep using your voice.


Nell Rose profile image

Nell Rose 3 years ago from England

Hi Linda, I totally agree with you, the health care over there sucks as someone else said. I am not sure about what Obama care is, but if its different and an improvement then it can't be bad. I am so sorry that you are going through this, and thank you for the link. I actually feel bad about moaning now, I did have a bad experience at the hospital, but to be honest we do get free health care, there is no having to have insurance, or pay stamps on anything, whether we are rich or poor we get it for free. This takes a load off of peoples mind when they are taken into hospital, at those times the last thing they need is to have to cough up money, take care, nell. Voted up and shared.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Thank you Nell. Your article on the healthcare in the UK inspired me to create this article. Sure there could be downfalls, but in the long run I hear it's worth it.


Sue Parkinson 3 years ago

I'm glad I'm Canadian!!

And, I'm so very sad and sorry you both, and the family are being put through this, at a time that should be spent loving, not worrying.

I love you my friend. Stay strong.


Nell Rose profile image

Nell Rose 3 years ago from England

Thanks Linda, yes I have never known an England without the NHS, however hard it falls, its still there and some hospitals are and have been the best over the years, in fact if Great Ormond Street childrens hospital hadn't been there I wouldn't be here today, nell


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Sue, I'm glad you are a Canadian too! I learned a lot from you!:) Don't be sad. Everything will work out fine. You are an amazing friend. Love you!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Nell, I'm glad for Great Ormond Street Childrens Hospital also! :)


midget38 profile image

midget38 3 years ago from Singapore

It's sad that because of a few bad apples, the system excludes those who really need help. Thanks for sharing!


Vellur profile image

Vellur 3 years ago from Dubai

Rules and regulations override humanity and consideration. It is sad to see the way things are heading. Thumbs up on being the voice of so many people who face the same situation.


Janine Huldie profile image

Janine Huldie 3 years ago from New York, New York

Linda, I think you said it quite perfectly and still don't get how someone who paid into the system can be denied when it is needed most. IT stinks and it truly a travesty. Please know Dave, you and your family are in my prayers. Thank you for sharing more here on Dave's plight. Have voted, shared and tweeted!!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Thank you Michelle! There are always bad apples who ruin situations for others by taking advantage of the systems.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Vellur, If this article helps just one person not get sucker punched by an "agency" then I served my purpose.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Janine, Your comment and support is always appreciated. Thank you!


fpherj48 profile image

fpherj48 3 years ago from Beautiful Upstate New York

Linda.....My heart breaks, each and every time I hear of the egregious health care mess in this country....and I have seen, heard and experienced it often. We need to be totally ashamed of ourselves as a Nation that calls itself the GREATEST country in the world. The reality is, we are not and have no right to claim so.

There is so much so very WRONG, screwed up and unfair, here in America, it's impossible to know where to begin. The Health care system is a blatant and unforgivable MESS......pharmaceutical companies are quite simply and clearly THIEVES. Red tape and foolish policies are rampant ...that make zero sense whatsoever.

As you are so plainly and logically correct, when you say that "working all one's life, paying their dues and following the rules," doesn't mean damned thing, BENEFICIAL, when it comes time to needing those "funds" at a time in your life WHEN YOU ARE FIGHTING FOR YOUR LIFE. What in the HELL are these "waiting periods?" It's appalling and outrageous......TERMINAL PATIENTS DON'T HAVE THE LUXURY OF "WAITING PERIODS?" If this wasn't so incredibly serious and sad, it would be hysterically funny! Are they KIDDING? This defies common sense and more importantly the value of human life.

I only know enough about Obama Care to know that, if in fact, it will serve to give ALL people health coverage, regardless of age, race, history, Insurance, etc.....and we will have the RIGHT to receive all that illegal aliens receive, as a matter of simple FACT.....then, let's support it and let us all understand that access to Drs, hospitals, meds, treatments, to sustain life......is an absolute MUST....not a privilege for the "few" who pass "GO" in whatever friggan game it is, that is obviously being played in this outrageous bureaucracy!!

You deserve to speak...rant....state your opinion and certainly have every right to speak of the unfairness and lunacy of our system. I am with you 100%. I send you hugs, support and blessings.....


mary615 profile image

mary615 3 years ago from Florida

I totally agree with everything you say here. I have a daughter who suffered 3 strokes before the age of 50, and cannot get health insurance because of "preexisting conditions". With Obama's plan, Ins. Cos. would have to cover preexisting conditions.

Great Hub. Voted UP and shred.


truthfornow profile image

truthfornow 3 years ago from New Orleans, LA

So many people can't get healthcare ~ this situation is insane. The people who are fighting against people having healthcare should be ashamed. People need care. If you have a serious condition, you need care today, right now. And it is a crime to deny. Much blessings and love to you. Keep fighting and speaking up.


Pamela99 profile image

Pamela99 3 years ago from United States

I feel so bad for you and your husband as this is so unfair. I got Social Security disability the first time I applied and had to wait 2 years for Medicare to kick it, but my husband was working at that time, so we survived.

My husband had a stroke at 59. We again had to wait for 2 years for the Medicare while collecting the disability. There are almost no exceptions for this 2 year wait except for end stage renal failure and Lou Gering Disease. I think that needs to be changed as your husband should surely be covered right now. Obamacare did not include this change and I'm not sure why. The only income we had was my disability.

We had to take our IRA savings to pay off our home or we would have lost it. We both worked since we were teens, just as your husband did. The only saving grace was we had no other debt.

I go into my Medicare gap every year, so even that system is screwed up. I have found many pharmaceutical companies will give you medication for free, but you have to apply for it. We wrote off $10,000 in medical expenses last year, which is a huge portion of our income. You may be able to get your husband's medicine free and I would be glad to tell you where I was successful and where I wasn't.

I am not completely happy with Obamacare and think it needs a little tweaking, although I fully agree we need health coverage for everyone. I just don't like the extra things they included, like handling all student loans, but that is a different story.

I think your situation should not happen in this country and I wish I knew of some other way to suggest help. I am glad you are a fighter as it will help in the long run. I hope things improve for you soon. Great hub and I think you have a right, or even an obligation to rant!!! Up and shared.


bravewarrior profile image

bravewarrior 3 years ago from Central Florida

Linda, this is deplorable! Is it too late for you husband to apply for long term disability? That kicks in when short term runs out.

Now as far as Obamacare - oh don't even get me started. Yeah, every American should have the benefit of health insurance. But guess what? WE HAVE TO PAY FOR IT OR GET PENALIZED ON OUR 2013 TAXES! Yep, we have until October 1st to get insurance or we are taxed starting January 1st 2014. Being self employed, I can't afford health insurance. It was paid for me when I was employed, but when I quit I took the risk because I can't afford COBRA, either.

Healthcare has gone to pot in America. Maybe that's what we should do. Start smoking pot!


American View profile image

American View 3 years ago from Plano, Texas

Linda,

I understand how you feel, I am living the same problems. I use to be a 1%er, I paid more into SS taxes than many people will make in their lifetime. Yet I was denied and forced into SSI.

After I spent over 250,000 dollars on my medical issues, I needed help. I to was proud and did not want to accept it, but I had no choice. It was a fight to get Medicaid coverage and the coverage sucks.

We need a system like the one I wrote about and I am pushing to get Congress to look at, but Obamacare is not the answer, it makes our current system worse. I read the bill twice when if came out, many f the things I told everyone of they said no I was making it up because I was not an Obama supporter. Many of them now are affected and wanted to know how I knew. Simple, I read it, unlike Congress who passed it before reading it.

Hopefully Linda someone in Washington will wake up out of the trance they work in and realize everything they are doing to the American people.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Thank you for your support Effer. I know you always have my back. Together we could actually move mountains!:)


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Mary, I hope your daughter gets the health coverage she very well deserves. Thank you for sharing.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Truthfornow, I appreciate your comment. We have a voice and if we don't use it no one else will. Thank you!!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Wow, Pam. The journey you have been through amazes me. It's heartbreaking to hear the stories of others. How their insurance ran out, they are losing their homes, collection agenices are after them. This is not how it should be. I wish you good health.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Shauna, Met-Life said no to LTD. They don't roll over. As a matter of fact they are trying to get away with not paying Dave his last 3 payments. They don't know who they are messing with. Sunshine is not going to allow them to get away with what's already been paid for. Thanks for stopping by.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi George, I understand that you've been through quite an ordeal. I also understand where you are coming from. All I want is coverage for every one. Not just the rich, not just the poor. For every one in between too. It's only fair.


bravewarrior profile image

bravewarrior 3 years ago from Central Florida

I wish you and your husband the best in this battle, Linda!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Thank you Shauna. I also forgot to mention that I have no problem paying for Obamacare or being penalized. It's something I support. I am tired of seeing so many sick individuals who are uninsured and going bankrupt. I appreciate your point of view. Thank you for sharing.


MartieCoetser profile image

MartieCoetser 3 years ago from South Africa

Sunshine, this hub made me angry on your behalf as well as on my own. I agree all the way with you. Health care (and Education) should be the first priorities of all governments.

Down here in SA proper health care is terribly expensive. The cheaper and free healthcare are totally pathetic - in fact life threatening. I envy citizens of Canada and England.

You and Dave are always in my thoughts.

PS: Beautiful pictures of Dave!


bdegiulio profile image

bdegiulio 3 years ago from Massachusetts

Linda, I am so sorry that you are going through this. What a shame that this is allowed to happen here. I sure hope that someone in Washington is listening to stories such as yours because this is the norm, not the exception. I feel your anger and frustration and you have every right to be upset. I'll say a pray for Dave, and for you. Keep fighting.


marcoujor profile image

marcoujor 3 years ago from Jeffersonville PA

Dear Linda,

Even when you "rant", you are right!

You and Dave are forever in my thoughts. You are an inspiration.

Love you, MM


wabash annie profile image

wabash annie 3 years ago from Colorado Front Range

Loved your hub! I have so many comments that this space would overflow should I 'rant' about the drug companies and other medical costs so will not talk about that. Even though some people say they do not want 'socialized medicine', many have forms of that very thing, such as TriCare and other government health plans ... congress has free healthcare forever and so many are millionaires that most have no concept of how much of middle class America lives.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi SAA, Thank you for sharing about health care in South Africa. It's important that we all learn how other countries are better or worse than the other countries. At least I'm curious. I appreciate your comment.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Bill, I sure hope Washington is listening too. They could be so clueless, almost as much as me! Thank you for stopping by.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Thank you MM. Your support is always appreciated. Your help with question and answers are even more appreciated :)


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Wabash, Please feel free to vent away. It's beneficial to allow your voice to be heard, hopefully someone will finally listen! :)


ImKarn23 profile image

ImKarn23 3 years ago

i am crying for both you and your husband! I feel ill about your situation - but - as far as the medical issues go - i am FAR from surprised, sadly..

i am also Canadian, but i know the workings of your country as well as anyone who lives there - i HAVE lived there, and gone to school there - AND traveled there..

and almost died there..

Your medical system is not based on anything to do with the Hippocratic oath - it's all to do with the HYPOCRITIC oath - the one that values MONEY over HEALTH!

Not only are you shocked, angry, and frightened at just the DIAGNOSIS of cancer- your fucked-up, ass-backwards, control-hungry government STRIPS you of all dignity!

i don't quite know what to do - every day i write about injustice and making the hard choices and doing the right thing - and having empathy and united we stand and and and

and NOTHING!

WHAT can we do to change this, Linda??? You tell me and i'll do it..

i'll take canadian medicine over american - ALL DAY LONG!

btw..Norway has one of the BEST medical systems in the world - check the stats..

shit happens everywhere

i'm voting and sharing!

ididn't vote in your poll because obama care STILL ISN"T GOOD ENOUGH


Justsilvie 3 years ago

The American healhtcare system is a disgrace and I am so sorry your husband is finding it out firsthand. I also agree Obamacare, may not be perfect, (no new plan would be) but it is a start and if they would put the money in the pot spent trying to derail it we would all be better off.


Deborah Brooks profile image

Deborah Brooks 3 years ago from Brownsville,TX

That I am so sorry for what is happening to you dear husband I don't have th I don't have the answer bless bless you and keep and keep you Debbie


Radcliff profile image

Radcliff 3 years ago from Hudson, FL

I'm so sorry for what you and your family are going through right now. It's true, no matter what side of the fence you're on politically, it's easy to see that the health care system is a total mess and change needs to happen asap.

I wanted to address the share of cost issue because it's one that is often misunderstood. My apologies if you already know this, but Medicaid program information is elusive at best. If you have a share of cost of $1,400, this doesn't mean that you have to pay a $1,400 deductible in order to start receiving compensation. It means that your medical bills for the month need to be at least $1,400, and then Medicaid will pay for all of it. I read an account of one women who said her share of cost was something like $3,000 (she was very ill). She would go to the pharmacy at the beginning of each month to get a statement showing what each of her prescriptions cost (they cost over $3,000!). To this statement she attached her name and case number, and then she faxed it to Medicaid. A couple of days later, she received a confirmation that everything went through. From there, she could use her Medicaid card/number to receive care without payment or sending in records. It's like, you need to prove that you're going to hit that threshold so that they pay for everything. Don't try to make sense of it or your brain might explode. My husband lost his job when my daughter was six weeks old, so we had share of cost as well. I did exactly as the woman explained, and it worked perfectly. By the way, most doctors have no idea how the program works and will SAY that they don't take share of cost, but if they take Medicaid and you do all the legwork to get your expenses faxed over to the Medicaid office, they'll never know the difference because they both work the same (share of cost and plain medicaid).

*whew!*

So, if you already knew all of this, I'm sorry! LOL But I couldn't pass it by without saying something if it could possibly help you guys out.

Thank you for sharing your story.


Sheri Faye profile image

Sheri Faye 3 years ago from Chemainus. BC, Canada

I am sorry for what your husband and you are going through. I am Canadian and so grateful to be so because of our medical care system. Sometimes we do have to wait, but that is because they put more urgent cases in the front of the line, regardless of money. My father went through a long battle with cancer, several operations, chemo, radiation...all of it, and he got the very best care very quickly. I know of another person who was diagnosed with a very serious fast growing cancer and he was operated on the day after they found it. He is now well and happy. I have lots of americans friends and have seen the finacial ruin illness in the states wreck on these families. It is true we Canadians pay higher taxes...My favorite wine is 12.00 a bottle here and 6.00 there, but most of us are happy to pay the extra to know ALL of us are cared for. You say we Canadians laugh at the fight against Oboma Care, but really, we more shake our heads in disbelief! A very big and growing problem in Canada is ill Americans coming to Canada and stealing our cards and using them in our medical system as they are so desperate for health care. It just amazes me a country as incrediably wealthy as USA does not take care of their own. I wish you and your hubby all the best and am sending loving healing thoughts your way. I will share this on facebook.


KrisL profile image

KrisL 3 years ago from S. Florida

Thanks for sharing this. I'm rooting for you and your husband . . . your love and passion for him comes right through.

In your position, I'd be frothing at the mouth -- I would not even be able to write! I'm so impressed by how you took time not just to rant but to lay out the facts clearly and even provide alternate perspectives.


JayeWisdom profile image

JayeWisdom 3 years ago from Deep South, USA

Sunshine...I'm so sorry about your husband's diagnosis and for the ordeal he and you are going through trying to get coverage. It's a disgrace the way the USA has stacked the deck for decades against the average person with regard to healthcare and insurance coverage for while the insurance industry rakes in obscene profits. I hope the new healthcare act will correct some of these problems.

Most hospitals have special programs for people who haven't insurance, and some of those allow visits to doctors as well as hospitalization for low or no cost. Social workers affiliated with the hospital can help him get enrolled. Depending on the state, there might also be other programs besides Medicaid that could offer help. I would try every possible avenue for coverage or assistance.

I hope David overcomes his cancer in spite of a poor prognosis. Healthy organic fruits and vegetables, even if they must be pureed or juiced, may be helpful to someone struggling with cancer. It's worth a try.

Bless you both during this trying time....Jaye


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Leslie, Thank you for your powerful comment! If you don't touch a few nerves with your canadian point of view I don't know what will. I appreciate your support!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Justsilvie and Deborah...Thank you! Your comments are appreciated.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Radcliff, I am familiar with how share of costs works. I should have added that to my rant, but I didn't. I thank YOU for adding the information in your comment. So many people are probably just as clueless as I am and this will help them. You are awesome!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Sheri, I am so glad to hear from another Canadian. Your comment and additional information really helps enhance my rant. Thank you very much.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

KrisL, We have to do what we have to do when we are in the corner. I tend to come out swinging or writing. Thank you for your support!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Jaye, We are meeting with the social worker tomorrow. Our hospital Florida East is amazing with helping uninsured patients. They are angels on earth. Thank you for adding your information to this rant. You will also help many others.


innerspin profile image

innerspin 3 years ago from uk

Sunshine625, I can't begin to imagine what you're going through. Just when you need support, you're being kicked in the teeth.

With all due respect to Nell, who had a terrible experience, healthcare in the UK is way better. Nobody needs think twice about calling for help. You can be taken by air ambulance to intensive care, spend weeks recovering, and never give a second thought to the cost.

Prescription charges for medicine (outside hospital) can be annoying at £7.85 per item, when many people eg on benefit, under 16, over 65, living in certain parts of the UK are free. If you need multiple prescriptions, you can buy a "season ticket" to reduce costs. However, after reading your hub, this pales into insignificance.

I wish you and your family the very best.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Innerspin, Thank you for sharing your experience with healthcare in the UK. The more we educate each other about our parts of the world the more we learn. In Nell's situation she had a bad experience, we all have a risk of bad care no matter where we live.

We are doing fine and holding tough. So many have it worse than us so we can't complain. All I hope is that things change and no one has to ever be without proper healthcare. Thank you for your well wishes.


wildove5 profile image

wildove5 3 years ago from Cumberland, R.I.

First and foremost I am incredibly sorry your husband is ill and will be praying for you both. Secondly, thank you for writing this, I have also had my fair share of being kicked in the teeth with our countries lack of a accountability to care for the ones that have payed to care for so many others. Because of this system I lost my mother. Her story; She dropped out of school at 14 and joined the workforce to help support her parents at the end of the depression, working in a candy mill, she later returned to school to get her GED and then to college were she graduated with a degree in business. She worked during her studies and was raising her family. As a young girl she suffered heart damage as the result of scarlet fever. At 51 she had her first heart attack and had to have a mechanical valve implanted. She returned to work. Then at the age of 63, four months into retirement she suffered a massive stoke that left her paralyzed and speechless. She lived happily for the next 7 years. Then after being misdiagnosed she suffered a heart attack. Here's the twisted insurance part. She needed a defibrillator and a pacemaker. Medicare said NO, wait 42 days then you can have it, we want to see if your heart will recover on it's own, even though it probably won't because you've had heart problems since your early thirties, however, don't have another heart attack during those 42 days or we will have to start all over again and wait another 42 days. Oh, and we will give you a vest to wear that has a defibrillator in it just in case you do, it will save your life so we can count down another 42 days. So she wore the vest, and it saved her life on October 4, 2010, the day before my birthday. The count started over and on the 39th day, my mother died! While I sit here reading this, I have no insurance, nor can I afford to purchase it. I welcome the thought of a country that has health insurance for all but still question what kind will it be and if it will help me get ALL the necessary treatment to keep me alive. Or will it contain some not well thought-out rules and guidelines that will ultimately kill me as in the case of my mother. Once again, thanks for educating and sharing with us yours and your husbands difficult journey through an illness and a broken system. God bless you and yours!


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Wildove, I'm so sorry your mother was mistreated by our so called healthcare system that's intended to help her. I'm speechless and heartbroken when I hear the unfortunate journeys of others.Thank you for sharing your story. I hope others learn from it. I know I have.


DeborahNeyens profile image

DeborahNeyens 3 years ago from Iowa

So sorry that you and Dave are going through this, Linda. I had a recent experience in my family that really brought home how screwed up our system is. My 81-year-old mother-in-law had knee replacement surgery last month. Although she is in very good health and lives on her own, she was released from the hospital to a care facility for what was supposed to be a few days until she was more mobile. Then all of a sudden we were being told she wouldn't be released from the care facility for several more weeks. The release date just happened to be the day Medicare would stop paying for her stay. Once we started questioning why she was being required to stay so much longer, they released her after a few days as originally planned. But had we not put up a stink, she would have been in there for weeks without good reason and the care facility would have been collecting payments from Medicare the whole time. What a scam. It's no wonder why health care costs are out of control. And that's just my little rant about the health care system.

Best wishes to you and Dave. You are in my thoughts.


alocsin profile image

alocsin 3 years ago from Orange County, CA

Given that we haven't had many successful solutions before, I'm all for Obamacare. At least now I don't have to worry about losing my insurance coverage on a technicality (which, as a self-employed person, I've paid for by myself for about 30 years). Voting this Up and Interesting.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Wow Deb. It's a good thing your MIL had her family advocate for her or else who knows what could have happened. It's so important to always have family members with you when visiting the doctor or hospital. No one should ever be alone. Medicare should be ashamed of themselves. Thank you for sharing your story so that others could learn from it.


molometer profile image

molometer 3 years ago

Hi Linda,

Firstly let me say that my thoughts are with you and your husband in this very difficult time.

I find it astonishing that any 'civilised' country, in this day and age could be so backward when it comes to health care.

To be given the runaround by these agencies, when trying your best to help and support your husband, in his hour of greatest need, is totally shameful.

Anyone that does not want health care for all, at the point of need is either a moron, or seriously deluded; if they think they will never be sick.

I fully support your rant. In fact I wouldn't call it a rant at all.

It is the voice of reason in an unreasonable situation.

If I was there with you and your husband. I would be tearing those agencies all a new 'a' hole, and probably then get myself into all sorts of trouble.

Keep your chin up and fight the power. Hope you get some better news.

When is the Obama aid bill coming into force?

Good luck and more power to you.

Michael


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi Michael, Thank you for voicing your opinion that I hope someone hears! Your words and thoughts are appreciated.


Glimmer Twin Fan profile image

Glimmer Twin Fan 3 years ago

I have not been on hubpages for a while as I am dealing with an ill parent so I know first hand about insurance issues. It's a scary world out there for people that are dealing with illness. Good luck.


Mazzsays profile image

Mazzsays 3 years ago from Los Angeles, CA

At the end of the day, health care should be Socialized because Capitalism cannot exist. Capitalism relies on competition and consumers being in a position to make a choice between two or more brands. Too often you can't do that when you're suddenly ill, or suffer a heart attack, or a host of other things. You have to go to the nearest, fastest place where you can't choose between an I.V. of one thing and another. Hospitals and Insurance companies know this.


teaches12345 profile image

teaches12345 3 years ago

It is so sad that many Americans are having to go without insurance coverage. Our voices must be heard, hopefully, the government will provide a solution. So sorry you are having to experience the result of high healthcare cost. Prayers and hugs sent your way.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Glimmer, Mazzsays, Teaches ... Thank you for sharing your thoughts on the politics of health insurance! I appreciate it.


Stephanie Henkel profile image

Stephanie Henkel 3 years ago from USA

I'm angry and frustrated on your behalf and on behalf of anyone in this country who has to fight the system to get medical care when they need it. We work all our lives, and think that our reward will be some security only to find out that nothing is secure. The system is definitely broken! Like you, I see hard working people who are kicked to the curb when their health gives out. I do hope that Obamacare will provide some help to those who need it!

Thanks for sharing yours and Dave's story here...when the public understands what is happening to real people, perhaps more people will fight FOR change instead of against it.


AudreyHowitt profile image

AudreyHowitt 3 years ago from California

Amen!


phdast7 profile image

phdast7 3 years ago from Atlanta, Georgia

Linda - I grieve for the situation that you and your husband and hundreds of thousands of Americans find themselves in. Your rant is on target and totally justified. How is it possible that we work, pay into a system, and when we most desperately need help we are locked out of the system? A terrible terrible shame!

Dem or Rep. we can, and should, all agree that our current health care system and social safety net is horribly broken. No, ObamaCare is not perfect. No system is, but it will cover everyone!! And nothing is more important then that. Thank you for sharing your painful, but instructive story with us. Blessings. Sharing. Theresa


Barbara Kay profile image

Barbara Kay 3 years ago from USA

I'm sorry to hear you have to go through this. One of my friends had to get a mortgage on her house to pay for a hysterectomy when she had cancer. Paying off her house was a big deal that she was proud about. Then at 59 she had to get a new mortgage.

Another friend had to claim bankruptcsy over her cancer treatments. Then insurance doesn't want to pay for anything they consider experimental. A lot of cancer treatments are. It is just the way for the company to get out of paying for it.

I hear so many people against Obamacare. I am all for it, because I've seen so many people in your situation. You can work hard all of your life and be wiped out over an illness.


JayeWisdom profile image

JayeWisdom 3 years ago from Deep South, USA

Re-reading this makes me mad all over again! We needed MORE than the plan that is now referred to as "Obamacare." We needed a national healthcare system that would not reward greed within the insurance industry or allow that industry's lobbyists to put $$$ in the pockets and campaign chests of Congressional representatives (you know--those public "servants" who are supposed to work for us, the people of the USA).

A national health system works in other countries, and all citizens can get basic or advanced healthcare. This type of system was lied about and voted down by politicians who don't need it because they and their families have all the healthcare coverage they could want or need! They did not and do not care about other Americans and their healthcare needs. WHY do people continue to support politicians who vote against their best interests? It's a puzzle to me.

Linda...I hope that by now the situation has improved for your husband and you, that he's been able to get sufficient healthcare coverage and the treatment he needs, even if it's in an experimental program. Some of the best new cancer treatments are to be found in those programs and are saving lives. You're in my thoughts and prayers as you fight this fight together.

Jaye


TIMETRAVELER2 profile image

TIMETRAVELER2 3 years ago

Sunshine: I am so sorry to hear of your plight. You do know, I hope, that there are attorneys you do not have to pay up front who will fight for your disability benefits, right? Few people can obtain disability benefits on their own, sad to say, so these guys are a must. Call one. It will cost nothing unless he wins your case, and then his take is "limited". Also, I am VERY surprised to hear that Medicare is not a given with SS Disability...I always heard that being on SS disability gives it to you automatically. A good SS attorney can guide you, and I pray there is enough time left to give you some relief.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

I appreciate y'all sharing your thoughts, comments, rants and ideas. AS of today (6/25) Dave still doesn't qualify for Medicare until Oct. 2014. I called his SS Agent who has stopped returning calls because Medicare is out of his hands. Dave's health is doing good. He's on a new treatment which seems to be working due to labs being steady. We appreciate you taking the time to read our journey and offer advice.


TIMETRAVELER2 profile image

TIMETRAVELER2 3 years ago

If, as you say, David has been classified "terminal" and has less than 6 months to live, he should qualify for Hospice care which, as I understand it is totally free and will cover all of his care and keep him comfortable until his day comes.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Hi TT, In October 2012 the radiaion oncologist told us "according to statistics" he has 4-10 months due to brain mets. It seems like the new treatments for Prostate Cancer could be changing those statistics. His oncologist feels differently and has approved knee replacement surgery for Dave on 7/15. We are going with the flow. We are baffled most days. Hospice is an option, but as of this message Dave is no where ready for that. He's now on COBRA. Our journey changes often. It's a roller coaster of a ride.


TIMETRAVELER2 profile image

TIMETRAVELER2 3 years ago

That is good news! FYI: I have taken the liberty of emailing the link to this article to Senator Bill Nelson of Florida and have asked him to share your article with ALL of his political colleagues. I think it is time for them to gain a better understanding of what people are going through with regards to health insurance issues, and this article says it all. I am praying for both of you.


Sunshine625 profile image

Sunshine625 3 years ago from Orlando, FL Author

Thank you TT for your support! I hope Bill takes this issue seriously.


TIMETRAVELER2 profile image

TIMETRAVELER2 3 years ago

Believe me, he will. I have contacted him in the past about similar issues of my own, and he has always come through for me. In fact, you inspired me to write to him also today about my own situation, which is too involved to discuss here, but is another level of health care nightmare. If there is anything else I can do for you, let me know. People have to stick together in times like these.


Millionaire Tips profile image

Millionaire Tips 3 years ago from USA

The system is very complicated - with so many programs, and you have to make sure that you compare all of the rules of all of them, so that you can cobble together the best combination for you. The old health system really didn't work and needed to be fixed. I am glad we have Obamacare now, and hope that it works the way I expect it to. I wish you and Dave are well supported with the new system.


thingsarenotfare 2 years ago

Yes everyone should have health insurance but until our medical profession gets a grip on the cost they keep charging people the costs will continue to increase and health insurance cost will continue to increase. The health insurance coverage in Europe and in Canada is now having problems and it is not very good coverage especially if you have a serious disease. It is not unheard of for the average person to wait to see a doctor for 6 months. People now because of Obamacare is costing the average folk high premiums. Those who want the gold standard can cost over 600 dollars per month for person where before Obamacare the cost was 400 dollars and the coverage is not as good as before. In some states the cost for the same coverage is less than 200 dollars. The health insurance businesses determines the cost and until they stop being greedy the cost will continue to rise. Yes everyone deserves health care but why does everyone have to go broke to get good health coverage? The cost of medical care is so much higher in this country this is one reason you are seeing more foreign doctors they get paid so much more in the U.S. then in their own countries. Just look at the FDA and the drug companies lets put the care back in the practice and the $$ out so people can get the health care that God wants all people to have safe and healing.


Sunshine625 profile image

Sunshine625 2 years ago from Orlando, FL Author

Thank you MT. I also hope as time goes on they work out the kinks.


Sunshine625 profile image

Sunshine625 2 years ago from Orlando, FL Author

Thingsarenotfare, I appreciate you sharing your point of view.


thingsarenotfare 2 years ago

I have a Cousin that lives in Canada and the health system let her husband down BIG TIME he died without treatment. If our health care in this country was as caring as in the past and the FDA did not dictate and control the goverment in what it is going to allow and not allow and just suggest as other FDA's do in other countries and let the people decide what is best for themselves. It would also allow the Doctors to have more of a say in how they want to treat their patients. Also if the FDA allowed safe treatments that other countries use to treat their people and the costs are not out of control people could efford their care without breaking the bank. Unfortunately our health system has become a money racket and people like you and your husband are caught in the middle as everyone is who is dealing with a serious disease. God bless both you and your husband.


mary615 profile image

mary615 2 years ago from Florida

I am so happy I am now able to buy health insurance for my son who has Hepatitis C. Because of his preexisting condition, I have been unable to find a company that would take him. Now, I can! The premium is 272.00 a month and is hard for me, but the policy is going to pay for his treatment!

So, I can thank Obama for that. My best to your hubby, Mary


suzettenaples 2 years ago

Somehow I missed this. This is so sad and the number one reason we needed Obamacare. Everyone in this country should be covered with medical insurance barr none. There needs to be compassion for one another especially when one is ill. I can't understand anyone being against Obamacare. We have to get medical insurance away from part of compensation for employment. Now with job changes people won 't lose medical insurance. I am shocked to find out that there was no Medicaid available once on disability. Yes, we EARN Social Security, Medicare, Medicaid etc. we have paid into these programs all out lives. Even as a teacher with our own retirement system, when I worked my way through college and worked in the summers I paid into Social Security , Medicare and Medicaid. We have all made our contribution so there should be no question we are covered when sick. I hope Dave is going better today and this is all straightened out.


Sunshine625 profile image

Sunshine625 2 years ago from Orlando, FL Author

Hi Suzette, Thank you for sharing your opinion...I appreciate it. Since I wrote this rant on healthcare, many people now have health insurance, thanks to ObamaCare! Yay! Dave will FINALLY begin Medicare in October or November...AMEN! I still can NOT believe that some one who is sick must wait TWO years from starting disability to collect Medicare. That is so WRONG. Also a spouse/caregiver must wait until she is 60 years old to collect her husbands SS. That is unacceptable. Obviously, I'm still a bit bitter towards the broken system.


suzettenaples profile image

suzettenaples 2 years ago from Taos, NM

I don't know how I missed this hub, but it is a great one! I agree with everything you say. It is the hardworking Americans with a work ethic that end of getting screwed by their own government rather than the dregs of society. We need Obamacare so that everyone is covered and cannot be denied health insurance because of a pre-existing condition. It is unconscionable what is happening to your husband. Money is always the bottom line and the idol our country bows down to. We are not a caring, compassionate society looking for ways to help those with cancer and other life threatening diseases. The health industry looks for ways to 'save money,' even if it means the death of a patient. Our country has everything backwards. This is and important and relevant hub and I enjoyed reading it only because it cemented by own thoughts on the health issue in this country.

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