Politics of Health Insurance
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.
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."
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."
Nell Rose of England...
- The National Health Service - Thanks For Making Me Sick!
The NHS is supposed to be the best healthcare in the world. This week I found out it was the worse. The treatment I recieved could have killed me. This is my story.
An Aussie point of view...
Obama wants to make it like our MEDICARE.
He is only trying to make health care better for Americans.
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
Are you a fan of Obamacare?See results without voting
Dave's cancer journey...
- Are Prostate Cancer Doctors Still Clueless?
This article is updated daily, weekly or monthly depending on where we are with treatments. Prostate Cancer is still a mystery to doctors. It seems like many doctors are still clueless. More research needs to be done. Hopefully in time to save my hus
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- ObamaCare Facts: Facts on the Obama Health Care Plan
We present the Facts on Obama Care (ObamaCare) / The Health Care for America plan. Our goal is to help you understand the basics of the ObamaCare health care plan and bill
After Years of Struggle Veteran Chooses to End His Life
- After Years Of Struggle, Veteran Chooses To End His Life : NPR
Paralyzed by a bullet in Iraq, Tomas Young has only seen his health deteriorate since he returned home. In February, Young announced he was going to remove his feeding tube and stop taking the nearly 100 pills a day. "I decided that I was no longer g
© 2013 Linda Bilyeu
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