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First and fore most, I’m glad that this health care bill has passed. One being that my partner was hospitalized last year with a heart condition. Luckily, the doctors was able to find the problem and fix it. In return due to being denied health insurance from Pacific Source of Oregon, Kasier Permanente, Oregon health plan, Aging with disability of Oregon, plus many other health plans; we got stuck in a hard place with a 50,000.00 dollar medical bill. Trust me it’s 50,000.00 dollars and we have proof of all the denial letter and the medical bills. On top of that, due to his job not offering health insurance because he’s consider a on call person, we had nothing.
Just imagine having 50,000.00 dollars in medical bills. Luckily, a couple of the hospital’s wrote off some of the bills, but we’re still getting collection letter’s telling us we need to pay it.
Guess what, we don’t have that kind of money laying around. With our combined annual salaries we make just above 20,000.00-30,000.00 annual if that. I’m 23 year’s old and he’s 26. We kept thinking that a problem wouldn’t occur and that he’ll find a job in time that will have health insurance, but guess what…. it’s been over a year and he still has a on call job while having to collect unemployment when he’s not working. He’s constantly looking for a job, but with little success he still hasn’t found one. So, he’s keeping the on call job for now until the economy picks back up.
Well to end this little story, we decided to do our research and was able to sign up with the Oregon Medical Insurance Pool with a 1,500.00 dollar deductible and a separate 1,000.00 dollar deductible for prescription/drug coverage. We have been lucky lately that there hasn’t been problems and the medication that was prescribed by one of the doctors are helping, but overall we have to wait 6 months for the pre-existing clause to end to finally use the insurance. The monthly premiums are 290.00 dollars a month and we can’t use it for anything that is consider pre-existing until the 6 month’s is up or end up paying the full cost with the possibility of being denied and retroactive back to when it was first issued. The medication cost us roughly 60.00 dollars a month with a Walgreen’s drug saver’s card.
But for the people complaining and bickering about this health care reform being passed…. YOUR SELFISH!!! I would be glad to pay some sort of tax just so we can have health insurance. In this tough economy and having a health condition that needs addressing; I can’t believe how much people bicker about this being passed.
It’s not the end of the world and I know that there is going to be problems with this bill, but it’s a start. If you think that we can ask his parent’s for the money to pay this, think again they already said no and it’s not their problem.
I’m glad the democrats finally passed this and I’m glad that he’s finally be able to get subsidies to help pay for the cost. With the rising prices in food, gas, housing, medication, health insurance and all other day to day need I’m glad that this bill has finally passed.
I’ll definitely be voting the democrats back in office and I’ll definitely be telling everyone about our situation.
PS. We are still getting medical bills as of 3/23/2010. We have 4-5 months left before he can finally use the health insurance that he has just in time before the medication that is prescribed needs to be re-prescribed.
It seems that this bill may be good for many Americans.