Tag Archives: expenses

Scapegoat or Scoundrel

Here’s my foray into the world of sensitive politics. I heard it last night at work again and over the last few years many times that people are so mad at Obama for the Affordable Care Act, the so called Obamacare. That name is false though. The bill that was actually pasted by congress and later signed by the president was not the original bill. People forget about all the arguing and political deals that were made to get it passed. Funding was cut and here just last year penalties for not meeting the mandates in it were removed. At least for businesses they were. There was talk that they would also be suspended for the people that couldn’t get insured but I looked on line and found nothing about the penalties being suspended. Hey wait, Why are the businesses being exempted but not the people who may have been banking on the supposed employer insurance? Could it possibly be the business friendly republican congress using the president as a scapegoat to make it seem the plan was flawed from the start? If you haven’t guessed yet I am very much in favor of the plan for health care to be given to everyone. As well as the cost of said plan. You may have been listening to the Supreme Court’s opinion on the tax benefits for states that use the Federal plan. If they had not backed it up and let it be defunded millions of people would have lost coverage. I read the first part of the opinion and I loved the way it was written. They could not believe that congress would have written it to cause a death spiral of insurance premiums intentionally therefore they upheld the ruling to continue funding. There are days I am not so sure anymore. The republicans have said they will do what it takes to get it repealed. There is also a rumor that once it is gone they will seek universal insurance. Last time I looked that one up we are in the very small minority. There are 36 first world countries and we are one of 3 that do not have universal health care. If you are wondering It’s not just Canada that carries this Britain, France, Norway, Sweden, Cuba are just few I know off the top of my head. How long you ask, Norway I believe started just after WW2. That is 70 years of testing get over it. It is also a good side note here that the USA life span is shorter than most of these places. People tend to go see a doctor sooner for problems if the cost is not astronomical. OK back to the Affordable Care Act. I never was able to get a personal policy because of pre-existing condition clauses. I now have a huge medical bill because I had an employer insurance that had a pre-existing condition clause written into it, pre ACA I am sure. That was also a legal way around the ACA and many insurance companies took advantage of it from my understanding and renegotiated the policies before the law hit. Because I lost my insurance from my last employer before getting my current job, I lost the ability to continue coverage for my diabetes. The entire first year the costs were astounding. Each visit to the doctor, every 3 months, was about $250, Lab test were on top of that about $110. The insulin and pump supplies were much worse. The insulin was $220 a bottle with a new bottle every 9 days roughly. The pump supplies were $131 each month. The pump payments were also $131 each month. Let’s see what we are up to now. $220 times 4 weeks (it was just over one week that the bottle would be empty) is $880 plus $131 is now $1,011. Add in the pump payment each month and now we reach $1,142. The doctor visits are only every 3 months so divide that total by 3 and we get another $120 each month for a grand total each month of $1,262. At least I was working overtime then. Without it I would not have been able to afford just he medicine. Scary? I have heard of others who fall into this category even farther where insurance companies are slipping through the cracks created by all the knit picking in congress and leaving Americans uncovered and unprotected from the extreme cost of health care in this country. Here’s more food for thought, ideas that have crossed my mind over the last few months. If they repeal the Affordable Care Act how long before millions of Americans lose coverage for the now covered pre-existing conditions. Did you injure your knee in a high school football game? They could deny it as a pre-existing condition. Are you getting meds for high blood pressure? Don’t change jobs because it is now a pre-existing condition? No way you think. Why would a company miss a chance to save money? I had a foot pain last year and went to see the doctor because it hurt so bad I was having trouble walking. Lis Franc fracture was what he said. It happens in diabetics. That went on his report that was sent to the insurance company. Result was the X-ray, CAT scan, and MRI were denied due to pre-existing condition since it was related to my diabetes. It was not a new injury and I argued with the insurance company that this was not new. I had never had an issue with my foot before. I was told as long as it was shown to be related to my diabetes it was denied  Here’s my thing on this, we need to get rid of all these loop holes and back doors for coverage. You should be covered period. I’m not saying they need to pay for a chin lift or tummy tuck but a possible broken foot? Come on. The Affordable Care Act was supposed to be designed to fix problems like this not create them. It is over 2,400 pages long. I have it saved on a flash drive. I have not read the whole thing yet but I reference it every now and then. Wow 2,400 pages of hitherto and therefore. The last book in the Harry Potter series was only 759 pages. Image reading it 3 times.

Well I’m going to slink off in the corner after upsetting a lot of people with this blog entry. Hey it is my take on things and my opinions. Feel free to disagree with anything or everything I have said. I just hope it makes people think about where our health care is really at today.