The House will be voting on health care repeal this week. If Republicans had their way (they won’t) and the Affordable Health Care Act were to be repealed, here’s what would happen:
- Ten of millions of uninsured will lose health care security.
- Millions more will worry they could lose their coverage if they get sick or lose their jobs.
- Rising health costs won’t be reigned in. (The CBO says repeal would drive up the deficit $230 billion over ten years).
- Contrary to what Republicans promised, this increase in spending won’t be offset but cuts in other areas.
- Insurance companies will be able to deny coverage because of pre-existing conditions.
- Insurance companies will be able to rescind a policy after someone becomes sick.
- Insurance companies will enforce lifetime caps.
- Insurance companies will enforce yearly caps.
- Children under age 26 will be able to be denied coverage under their parents’ plans.
- There will be no requirement for preventive care.
- Insurance companies won’t be forced to spend 80% of premium income on medical care versus profits and administrative costs.
- Federal tax credits to small businesses to cover employees will be eliminated.
- A reinsurance program to help employers cover early retirees will be eliminated.
- People who buy their own policies will pay more for less coverage.
So, my husband (J) and I got the shaft from the American healthcare system. We married while I was young enough to still receive insurance from my mom’s job while I was in school, but since he’s 8 years older than me, he had already lost that privilege. Getting married kicked me off my mom’s insurance, too, but so far I’ve been lucky enough to not have any problems. *knocks on wood*
We are both college students, who don’t have the funds to pay for the piddly insurance offered through the school, let alone get it privately. Even when he was working full time before re-enrolling to finish his degree, his job was only a “contractor” position, so benefits were hardly worth what they cost, so we thought.
6 months after we got hitched, though, J’s gall bladder exploded. Not literally, or else he’d be in much worse shape, but he developed gall stones that required his entire gall bladder to be removed. This involved a week-long stay in the Dallas County hospital of choice for the down and out, Parkland. The stay was… revealing. I had never needed to visit a hospital for the uninsured before this, and I was shocked at how different things really are. He had no privacy, and was originally roomed with a man who was literally dying of some painful colon disease, who moaned and shouted all night. When they moved that patient to a place less disturbing to everyone around him, J’s roommate then became a young man addicted to painkillers who was in the hospital for an “earache” and who had loud conversations with his judgmental mother and the three or four young women who came in there to visit him, each acting like his girlfriend. We have fond memories of him.
J was well-taken care of, but because of the priority triage system in Parkland, it took him a week to be dealt with, even though he had arrived in excruciating pain. Morphine definitely settled that, at least. Once the surgery was over and he had been there to the MINUTE of the recovery time required, they gave him the boot.
Here’s the fun part, though: We lived in Lewisville at the time, which is in Denton County. Denton County does not have a county hospital like Parkland. Parkland is the only one in the area, really. Parkland only offers assistance and programs for helping deal with your medical bills if you live in Dallas County. We were a month away from moving on campus, to Richardson, at least part of which IS in Dallas County. There was literally no other option for us, though.
If you’re uninsured and nobody’s helping you cover costs, gall bladder removal costs around $17,000. We’re making monthly payments and trying our best to not worry about it, but that’s a hell of a large load to bear on young newlywed college students who already have student loans to contend with. We still don’t have health insurance, because we can’t afford it. J just started a new job at the campus restaurant. However, the costs to get a plan for both of us through them would eat his paycheck entirely. So is it irresponsible of us to not have insurance? Maybe. But so is not paying our electricity bill.
Thanks for listening. :)
thank you for submitting, Sonic-Hip-Attack!
I’m a 20 year old female who has extremely severe endometriosis, diagnosed at 17 years old. Before we knew what the problem was, I would spend at least a week, if not more, of every month curled up in bed, crying. The pain was so bad I literally could not get up, and school/work was out of the question. I just couldn’t focus on anything because of the pain.
Fast forward a couple years, and a herniated disc in my L-5/S-1 vertebrae has permanently damaged the nerves in my spine, causing leg weakness and severe pain. The pain was so intense; I couldn’t walk, drive, hell, even standing still sent spikes of pain up my spine and down my legs, I was having muscle spasms several times an hour…it was horrible.
Thankfully, my dad had good medical insurance through his job, so I went to a good gynecologist who identified the problem and was helping me treat it. There’s no cure, and no one will perform the hysterectomy I need to keep it from getting worse because of my age, but at least we could control most of the symptoms and the pain. I also got to a great back specialist, who tried Epidural Steroid Injections on my back, to reduce the herniation, and gave me a prescription for Neurontin, which has helped with the pain from the nerve damage.
I usually work around 40 hours a week, making just above federal minimum wage, and even with insurance, I was spending well over $200 a month on co-pays, prescription fees, etc. But I could accept that, if it meant getting the treatment I need to live my life.
My dad recently lost his job, and thus his insurance. As a 20 year old girl with two very serious pre-existing conditions, I have been unable to find personal health insurance. Either they outright deny me, or they hike the prices up so much that I can’t afford it. And I don’t’ qualify for aid through my state, either, because I’m not ‘disabled’.
I want to go to school. I want to work. I want to get married to my boyfriend of 2.5 years. I have plans for my life, and none of them include being 20 years old and unable to work because of crippling pain. I don’t know what I’m going to do now
I’m a recent college graduate with 80,000 dollars worth of student loans I’ll need to pay back. For me, health insurance is not an option due to its cost. Luckily, I’m on my parents insurance…until this August. My dad is an Army vet and I’m considered a dependent and I get some…interesting health care on the Tri-Care insurance plan. HR. 4923 would allow me to stay on my parents insurance until I’m 26 years old, that’s 5 years. If that bill doesn’t pass, I will have to pay more than 200 dollars every three months for my GENERIC birth control pills. I take my pills for health reasons only. Under the Tri-care system, I have never seen the same doctor twice. They have given me the wrong prescription three times which takes HOURS to fix because the closest military hospital is an Air Force one and as such its hours are absolutely ridiculous (closed every 3rd Thursday, not open on Mondays or every 2nd Tuesday, that kind of bullshit). Filling my prescription is always a hassle and I think it might be less of one if I knew why I was actually taking the pills. I’m 21 years old. I have never had a pap smear or been tested for why I need the birth control pills. I have received the HPV vaccine, which I had to scramble to get before my insurance expires. There’s one of two reasons the doctors put me on the pill: the first is PCOS, which in the worst-case scenario, my fertility could be severely limited or completely ruined and I could get uterine or ovarian cancer. The second and more likely cause is endometreosis. My mother has endometreosis and there have been connections to it being hereditary. The worst-case scenario with this would be that my fertility basically decreases every time I have a real period because endometrial tissue expands and grows outside my uterus with every cycle, or I get a hysterectomy like my mom had to after giving birth to me. With both of these, the pill is extending my ability to have children but the multiple doctors I have seen don’t feel the need to actually examine me and try to figure out why I’m vomiting from the pain I experience while on my period or why they were so irregular for more than 5 years (they’re regulated from the pills now and I don’t vomit anymore from pain, but that doesn’t mean I don’t still have pain). Frankly, being put on these pills was a godsend. The deciding point for me was when I had a period for 21 days straight and could barely walk at times. Amongst all of this, I’ve been paranoid about seeing the doctor and having them actually diagnose me (not that they actually wanted to or showed an interest in testing me for anything) because I don’t want to be labeled with a pre-existing condition that could bar me from getting insurance until 2012. I’m already worried that being prescribed the pill will prevent me from being covered by an insurance agency. Losing my insurance means that I will have to pay more than 200 dollars every three months to take pills that will keep me fertile. When I lose my insurance this August, I will have to choose between wanting children in the future and paying my student loans to keep my excellent credit…unless HR 4923 and it’s senate equivalent are passed. I’m trying to do the right thing and pay off my student loans because I went to school to make a good life for myself and future children, which I might not even get to have because my student loan payments are more than the rent for my studio apartment.
I have really severe endometriosis, where your uterine lining grows outside your uterus on other organs. Mine is growing everywhere: ovaries, fallopian tubes, internal abdominal wall, intestines, ligaments, and even the nerves at the base of my spine. The pain is awful and interferes with my life significantly. Can you imagine how hard it is to focus on schoolwork while your insides are literally tearing apart?
My doctor has been able to help keep the tissue from spreading with the Depo Provera shot, and he writes me a prescription for Vicodin, just enough to dull the pain so that I can sleep at night. I have required three month examinations for the shots, plus irregular visits to deal with the large cysts I get because of this problem.
But come October, my parent’s insurance won’t cover me anymore because I’m not a full time student (which I can’t afford to be right now). I’ve been calling around for months now, trying to find insurance I can afford. And even when I find a rate that is -almost- affordable, as soon as they find out about my condition, they refuse to cover me, or they bounce the rates up so high that I can’t afford them.
If I can’t figure something out soon, I’m going to have to drop out of school. I won’t be able to afford it because I’ll have to cut my hours at work down because the pain gets so bad I honestly can’t even stand up.
All this, and my family is still against making healthcare affordable to everyone.WTF.
My fiance and I both have full time jobs. I only make $250 a week and insurance would cost me $60 a week, so it would be like losing an entire paycheck. My fiance works for a contractor for a certain delivery company that refuses to unionize (but that’s a different story) so he doesn’t even have the option of insurance, as his contractor “can’t afford it.”
I recently got kicked off my parents insurance, so I had to switch birth controls from what I’ve been taking for 5 years to a generic. The birth control I’ve always taken cost $140 a month without insurance. The generic has done nothing good for me, my legs hurt, my period seems to last forever, and I have awful cramps. It is the only one I can afford.
My fiance has bad asthma, but can’t even afford the doctor’s trip to get the scrip for the $145 inhaler, which we couldn’t afford either. He has 1 inhaler left that expired last year, he only uses it in a “bad” asthma attack. I’m always afraid that inhaler will run out when he has a “bad” one. He also has high blood pressure, high enough that at the physical for work they said he shouldn’t be driving. However, we can’t afford the trip for that either, or the scrip.
We are both hard workers and have full time jobs, we aren’t lazy, we aren’t on welfare, we have jobs and pay all of our bills. Why can’t we just go to the doctor and get the medicine we need?
Death panels already exist, they’re called insurance companies.
So, as many of you know, I’ve been dealing with a sickness lately, and it’s finally been confirmed that it’s Crohn’s Disease. Thankfully, it’s only slight Crohn’s, so with steroids and anti-inflammatory meds, I should be fine. That is, when my insurance company decides to cover them. See, I was first diagnosed via blood test in June. JUNE. Before they could prescribe me anything, I had to have a CAT scan and colonoscopy and a zillion other tests, which they wouldn’t pay for. So, the results from the very expensive colonoscopy come back and confirm that I have Crohn’s, 3 months later. And finally, medicine to make it better. I dropped the slips off at my local Walgreens and returned an hour later to find that my insurance company would not pay for the anti-inflammatory. The ‘roids (which make you “puffy’) were covered. The anti-inflammatory, not so much. It’s $800 for a few weeks supply. After two weeks of fighting, we came to this conclusion: it is cheaper for my insurance company for my Crohn’s to progress to the point of needing my large intestine removed than it is for them to pay for the anti-inflammatory for three months. THREE MONTHS of medication would put me into remission, but removing my large intestine would clear them for a lifetime of payments. Because, if I relapse, they have to pay more money. That can’t happen if I don’t have a large intestine. I want everyone who opposes government-run healthcare to feel what I feel right now. Instead of being happy that my Crohn’s isn’t going to kill me, I have to wait until I come close to it to get any help. And that, ladies and gentleman, means that death panels already exist, and they’re called insurance companies. thank you, sweatsandstilettos!
So, as many of you know, I’ve been dealing with a sickness lately, and it’s finally been confirmed that it’s Crohn’s Disease. Thankfully, it’s only slight Crohn’s, so with steroids and anti-inflammatory meds, I should be fine.
That is, when my insurance company decides to cover them.
See, I was first diagnosed via blood test in June. JUNE. Before they could prescribe me anything, I had to have a CAT scan and colonoscopy and a zillion other tests, which they wouldn’t pay for.
So, the results from the very expensive colonoscopy come back and confirm that I have Crohn’s, 3 months later. And finally, medicine to make it better.
I dropped the slips off at my local Walgreens and returned an hour later to find that my insurance company would not pay for the anti-inflammatory. The ‘roids (which make you “puffy’) were covered. The anti-inflammatory, not so much. It’s $800 for a few weeks supply.
After two weeks of fighting, we came to this conclusion: it is cheaper for my insurance company for my Crohn’s to progress to the point of needing my large intestine removed than it is for them to pay for the anti-inflammatory for three months. THREE MONTHS of medication would put me into remission, but removing my large intestine would clear them for a lifetime of payments. Because, if I relapse, they have to pay more money. That can’t happen if I don’t have a large intestine.
I want everyone who opposes government-run healthcare to feel what I feel right now. Instead of being happy that my Crohn’s isn’t going to kill me, I have to wait until I come close to it to get any help. And that, ladies and gentleman, means that death panels already exist, and they’re called insurance companies.
thank you, sweatsandstilettos!
My name is Leanne, I am twenty-eight years old, and I suffer from Bipolar Disorder. My younger sister who is twenty-five has high functioning Asperger’s Syndrome. I would gladly break my arm over and over again in order to receive care than have a mental illness in the United States. Most people don’t know or understand that while physical ailments are taken care of, it’s a battle to have therapist bills, anti-depressives or anti-psychotic pills covered at all. When I have insurance, my Depakote costs me $10. When I have no insurance, like the time I was laid off because of the economy, it’s $350 a bottle. I have made remarkable strides and gains with my therapist, who does not accept insurance (most psychologists and therapists don’t.) I am regularly in hundreds of dollars in debt to him, even though he charges less than most therapists in New York City. Although I am supposed to take my meds every day, I regularly skip taking them on the weekends or towards the end of the month so I don’t need to reorder so quickly. I am lucky that Bipolar only affects me and that I don’t have Schizophrenia, where going off a dose can be deadly to their mindset and people around them. Although my sister receives benefits from the state, she lives in a group home and receives money from my parents. I am terrified about what will happen when they die. There are almost no services for adults living with Autism or Asperger’s Sydrome, and she receives on a few hundred dollars a month towards medicine, housing and transportation, which can rise into the thousands a month. Many are cared for by family members for the rest of their life. I firmly believe we need Universal Healthcare in this country. I don’t care about the risks, I don’t care about the horror stories, we cannot keep living this way. As an aside, I once slipped on the ice on a sidewalk in Manhattan and knocked myself out. When I came to I was in the hospital. Someone had seen me and called and ambulance, which I was billed $500 for. The worst part? The hospital was a block away from where I was lying on the concrete.