Let’s face it. Our healthcare system stinks. Really stinks.
If you are lucky enough to have decent healthcare, you definitely pay a hefty price. If you have insurance through your workplace, you still have to pay enough money that it financially hurts.
But let’s try a different scenario.
Imagine that you are diagnosed with cancer and, despite offering to work online or offsite, your employer terminates you.
Now, you have:
A. no income,
B. no ability to get a new job (who wants to hire you when you have surgeries galore?), and
C. Cobra payments, which are almost $2000 a month for two people (you and your husband).
No wonder they call it “Cobra”: that’s a lot of shekels to shell out, considering you have to earn 30% more in order to have the $2000 to pay…but can you afford it? After all, you were just terminated from your job because you have cancer.
Where is the logic in this system?
Let’s continue the story. The insurance company sees that your cancer treatment is a-typical, full of extra surgeries, infections, multiple reconstructions, blood transfusions, hospital stays, and endless other medical bill. What do they do? They raise the premium. Whenever they want.
When you pay the old rate, not knowing that they have changed the premium for the second time in four months, they cancel your health insurance.
No letters. No warnings. Just cancel it.
And, after receiving a letter dated 5/3/15 that I was qualified to continue my insurance for another year, I contacted the number and spoke with the supervisor of billing (who is answering the main telephone number, btw): “It was canceled last Thursday. Sorry. You have no health insurance and we will not reinstate you.”
Thank you, Ms. Mary Lou Ext. 4965853 (that was all the information she would give to me). Your emotionless and shocking announcement showed exactly how compassionate Aetna is about their clients.
I wonder how it feels to work at a company that provides health care insurance? Raising premiums on sick people. Canceling policies without telling the policy holders. Underpaying medical bills, even though they agreed to pay a certain percentage.
Gee, I’d go home at night and really feel like a louse.
The problem with our healthcare system cannot be fixed with political programs and Obamacare. It needs to start with accountability by the insurance companies.
They can do what they want. They simply do not care.
Here’s a little tidbit for you. Did you know that if you sue a health care provider, chances are that the insurance company pays out of court just to get rid of you? Then they spread the cost of that payoff to the people paying insurance. They don’t even bother considering whether it is a frivolous lawsuit or the fact that the person signed a waiver stating their awareness of the risks.
The insurance companies just write a check.
And guess who pays for that check? YOU! ME! Everyone with healthcare.
So many people in our country need good healthcare. Americans are supposed to be the leading world power, but we have horrendous healthcare (among other things). Who, exactly, do we complain to about being mistreated? The insurance company leaves us with one, and only one, choice: lawyers. And, as mentioned above, the insurance companies know how to resolve litigious problems—which, ultimately, increases the price for everyone else.
I’m tired of dealing with what should have been a simple, routine breast surgery. The first plastic surgeon messed up and then left the country on vacation for ten days. Other doctors came along to try to fix his mistakes. TWO YEARS LATER, I’m still not finished. The physical stress and emotional strain has been so horrible that I’ve been diagnosed with cancer-related PTSD (but that is another post). Only now, I don’t have the healthcare to keep on trudging…with no warning, no explanation, no anything. Nice.
We call it healthcare, but tell me where, exactly, is the “care?”