People with health insurance provided via their employer need to realize what a blessing they have.
We have paid for our own health insurance in one way or another for most of our married life. For the last 4 years, we have had basically what amounts to a “safety net” policy. For $350 a month, we get an entrance card to the doctor’s office (also known as an insurance card), a negotiated physician’s discount, and, well, that’s about it. We have a $5000 per person yearly deductible and a maximum family out of pocket expense of $10,000.00. Practically, this amounts to us paying for our own medical expenses and not going to the doctor unless we are desperate.
To be honest, $350 a month is more than we can afford. So, yes, we tried applying for Medicaid—at least for the kids. We were denied because we make too much. Also, to qualify we are supposed to let the kids go without coverage for 6 months first.
I was just putting up with the expense of insurance for what seems like nothing in return until Charis broke her arm. It wasn’t a severe injury, but we now have over $2500 in medical expenses because of it. This motivated me to investigate our insurance options again.I have a new option because of my new job. I can get group coverage through my employer. However, it is way beyond what we can afford. For just me, it would be $639 per month. To add Mark and the kids, it would be over $1300 per month. So I called Anthem BC/BS to see if we could get coverage for just the kids, and Mark and I could keep the crummy coverage we have. Well, because one of them has a pre-existing condition, they could only cover 3 of them. To cover three of the children, the best policy is $311 per month. The worst coverage is $188 per month. Then we would still have to continue covering one of the kids under our crummy policy. At this point, we must keep what we have and pray that God continues to keep us from any tragic illness or accident.
I am not in favor of government health care, but I certainly understand why many are. I think, with the economy failing, many more people will have to pay for their own health coverage. More people are getting laid off. So there will be more people losing health insurance altogether. If they do find new jobs, they will quickly see that companies who are scaling back on expenses don’t offer the same quality benefits that they used to. As this happens, more people will find themselves faced with the situation we have dealt with for years.
Something has to change in the insurance industry and with medical providers if people are going to be able to manage just living from day to day.