Wednesday, July 11, 2012

Ugh. That's Annoying.

Generally speakin', I like to keep my blog apolitical.

Sure, I regularly post on "the other forbidden topic" (religion), but politics remain outside my realm of understanding. Pork bellying, nepotism, bureaucracy...these things give me a migraine.

But today there's just somethin' that I gotta say:

I work three part-time jobs.

Tres.

So some would say I'm a hard workin' girl.

Thing is, even with three gigs goin', I still can't afford health insurance.

You know, that privatized health insurance that is supposed to be so much more cost efficient than the presently-passed healthcare package? Yeah. Some of my employers can't afford to provide it. Even to their full-time employees.

But let's back up for a moment.

One of the arguments for privatized insurance is quality of care. With private insurance you can (supposedly) see a doctor of your choice at a time of your choosing.

I'm gonna go ahead and call bullshit on that.

To get an appointent with my gyno--the only doctor I visit with regularity,--I have to call months in advance. And, even after checking to make sure my dr. was "in network" for my shitty health insurance through the university (mandatory insurance I might add), I still had to pay more than $400 out of pocket for my annual exam because said shitty insurance doesn't cover annual exams for female patients.

1. This is outrageous. An annual exam is preventative medicine recommended for all women of menstruating age. It is absurd that this exam would not be covered under any insurance.

2. To visit my gyno with no insurance and out of pocket usually costs me $125. Yep. My costs quadrupled when I filed through privatized insurance.

My first job out of college was working for a medical billing office. In my role, I witnessed hundreds (if not thousands) of claims being denied by privatized insurance for the most ludicrous reasons you can imagine. Among them? A man denied by a major insurer for an emergency appendectomy. Why? Because, on his way to the hospital with a burst appendix, he somehow forgot to call his insurer to "make sure the procedure was covered."

Blue Cross Blue Shield? FUCK. YOU.

A dear friend, Brian, recently shared with me that he pays $300 a month (single, white male, 40, no preexisting conditions that I am aware of.) $300 a month, which does not cover co-pays etc. etc. My father? More than $1,000 a month to insure himself, his wife, and my sister.

Opponents to healthcare reform bemoan an increase in taxes to provide healthcare for the masses...but I ask you: would a tax equate to more than we are currently spending per month for privatized insurance? I can't imagine that it would.

Americans give Canada incessant shit for their "socialized" medicine. But, on average, citizens in Canada and other areas with socialized medicine like the U.K. are living equally happy, long lives.

Are there drawbacks? Of course. Consider: http://www.politicsdaily.com/2009/07/14/ten-things-you-might-not-know-about-socialized-medicine/

and

http://weakonomics.com/2009/06/08/the-pros-and-cons-of-universal-health-care-in-the-united-states%C2%A0/

But what are longer lines for someone like me who, before, couldn't even afford to get in the queue?

I may have to wait two months as opposed to two days, but at least I'd actually get to go.

Socialized medicine may not be the "fix all" answer, but something has to be done. Do people from the U.K. and Canada come to America for specialists and specialized treatments? Sure. Those who can afford it.

And the right to live a healthy life should not be dependent upon one's income.

No comments:

Post a Comment