I try to stay out of politics, but with all the talk of health care reform I need to speak. As a father of two children who have disabilities I have incurred a large debt even though I have health insurance. The system does not work for families like ours.
I pay for health insurance through my employer, I pay a deductable when I see the health provider, I pay the pharmacy for medications the insurance doesn't want to pay for, we incur costs for travel to specialists that are recommended by our primary MD, my young daughters are penalized with a mandatory waiting period for having pre-existing conditions, and I still get billed from the hospitals for blood work, x-rays and other tests the insurance didn't pay for.
For a family like mine, regular employer insurance doesn't work and Medicaid isn't much better. Usually one insurance is waiting for the other to pay first and as they point fingers at one another we have to field calls from the hospitals who want to be paid for their services. So guess who loses?
There are definite problems with the current system and we need to find a solution that is amicable for everyone. Here's what I would do first, Mr. President, are you listening?
- Free health insurance for children 0-18.
- Eliminate waiting periods for pre-existing conditions.
- Debt forgiveness for terminal illness.
Each of the three have obvious reasons why they are important and I am sure there are many other causes as to why insurance is so expensive and covers so little.