I’m not known for being excessively political, but when it comes to healthcare reform – I definitely have an opinion, and here’s why.
My mother is single and semi-retired. She’s worked all her life as a nurse, and is now slowly transitioning to retirement. She currently works part time as a caregiver to the elderly – but doesn’t receive healthcare benefits.
Thankfully, she’s a very healthy person but everyone gets sick and when she does, she’s found a community health center that takes patients on a needs basis. It’s not great care but it suffices.
About two years ago, she had a searing pain in her chest and went to the emergency room. After several tests and a stay in the hospital, nothing was found and she was released. Her total cost: approximately $6,000.
As a family, we came together to pay this cost and decided that she can no longer slide by uninsured. She enrolled in a high-deductible emergency plan through Blue Cross. It covered hospitalization in the case of an emergency – but little else. Her monthly cost was around $175. She still had to visit the community clinic for doctor visits and still had to pay out of pocket for any prescriptions, as neither was covered.
This July, she canceled the plan – and rightly so. It was one of her most expensive bills and provided no immediate benefits. How would you feel paying $175 every month for healthcare but still having to visit a community clinic because you aren’t covered to see a doctor?
As soon as she mentioned she canceled the plan, I had her call Blue Cross to re-instate coverage and transfer the cost to me. In addition, we upgraded the plan to cover the same level of service typical of an employer provided plan. My cost – $430 a month. Thankfully I’ve been blessed with a decent job and no major expenses, so I can cope with the cost in exchange for the peace of mind to know that my mom no longer has to worry about seeing a doctor.
Soon after the new coverage went into effect, her chest pain came back. Only this time she was able see our family physician. With proper diagnosis it was determined she needed to have her gall bladder removed (something that the hospital missed the last time she went in for similar symptoms).
Fortunately our family is able to deal with this, but it’s far from ideal nor would I call it a practical solution. I challenge anyone to tell me that healthcare reform isn’t need. When hospitals can charge $6000 for missing a diagnosis and people who’ve worked all their lives now need to worry about affording even the most basic medical coverage – this can’t be the best healthcare available.
What about all the other semi-retired people, working part time jobs? People who depended on others for healthcare, but are now left hanging because that person suddenly passed away? What about all the people laid-off or unemployed? What do we say to them?
I believe in small and fiscally conservative government. But my conscious doesn’t afford me the luxury of allowing good people to fall by the wayside. Or paying for overpriced inefficiencies.
This isn’t a liberal or conservative issue. It’s a human issue. It’s about ensuring that honest people aren’t left to struggle when life deals them a blow. And it’s about ensuring that no one places a premium on a basic essential to life.