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A Political

Published August 19, 2009 9:46 PM by Jason Marketti
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?  

  1. Free health insurance for children 0-18.
  2. Eliminate waiting periods for pre-existing conditions.
  3. 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. 

4 comments

I appreciate everyones desire to change our current system.  When and how is another story but at least people are talking about it and recognize a change is needed.  

Moore's movie "Sicko" about the health care industry was on again today.  I caught part of it and the so called "socialized" health care  looked pretty good from where my family sits.  

No out of pocket costs to see the MD.  I'm all for it.  No phone calls for preauthorization, count me in.  Okay, so taxes are a bit higher.  I will gladly pay a higher tax if my children can recieve health care any where in the U.S. (or world) and not have to pre-authorize the visit and worry if they are in or out of network.  

As I said the current system doesn't work for a family like mine, and it needs to be changed.  

Jason Marketti August 23, 2009 11:50 PM

OK, well, I didn't mean to imply that I'm ready for the NHS...what we need is regulation of a system that is jerking around the public.  

My comment about free enterprise was to insinuate that it's important that the government stay OUT of our health care decisions, but do they need to regulate the ABUSE that is going on by the private insurance industry...obviously.  We have the government get involved when gas stations or oil companies are charging us too much, why not health insurance.  I know of no other industry where you can be told you will get X amount of coverage (or service), only to be told in the long run, that it was a mistake and they can get away with it....

Christie ,, August 22, 2009 11:23 PM

Jason, first, thanks for sharing such a personal experience. It does seem like you're caught between a rock and a hard place. I think Christie has a point. We don't need an insurance system, we need a health care system. Insurance is a business that has a responsibility to turn a profit, can't blame them for playing by the current rule system. Unfortunately for every dollar that goes to the profit margins of these companies, is a dollar taken away from patient care.

Do I know what the answer is? No way. But I'm sure looking forward to experiencing the British system first hand and seeing for myself whether it is as dismal as people say or whether the tales we hear are propaganda or some combination of the two.

The big question is: If health care is an industry, then is the mission to provide care for people or to turn profits for insurance, pharmaceutical, and Medical Equipment companies?

My heart goes out to you and your family.  

Dean Metz August 19, 2009 7:41 PM
New York NY

This issue here isn't that we have a health care crisis...it's that we have a health INSURANCE crisis.  Consumers are paying more and getting less, providers are doing more and getting paid less.  Who is taking home the buck at the end of the day?  The dems announced today that they are demanding to see the financial records of the top health care insurance companies.

...now I'm all for free enterprise, but these are people's lives...in the end, is it killing us that those who really hold our lives are a bunch of shareholders?

Christie ,, August 19, 2009 6:37 PM

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About this Blog


    Jason J. Marketti
    Occupation: Physical Therapist Assistant
    Setting: San Jacinto, CA
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