Saturday, January 31, 2009
Health Concerns
Over the past year I have had some health issues that I have been dealing with. As a result, I have been doing a lot of research on a many different treatments that are available. I have read many books, asked my doctor and pharmacist many questions, and I have even researched the cost of different treatments. When I saw the prices, I was speechless. $2,000.00 for a one month supply! What about my insurance? Will they pay for any of it? I was so relieved to find out that they covered it 100%. Soon after hearing that, I met a woman who was receiving the same drug that I was. Unfortunately, her insurance company only covered a portion of hers. Her copay was $500.00 for a one month supply. Ouch! She was in a position where she could afford to pay this every month. This really concerns me. If I had a copay that high, I wouldn't be able to afford it. I would have to go without treatment. Then what would I do? What about all the other people who's insurance doesn't cover their treatment? Or the people who cannot afford to pay their copay? What are they supposed to do? Just go without it and try to live their life as long as they possibly can? NO! We need to fight it. But how? Appeal it through the insurance companies. If they turn it down, is that it? I am very concerned now, especially because of the economy. With unemployment rising, the number of uninsured is also increasing. What options do we have?
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Very interesting topic. This is also an issue that I hold close to my heart. In the last few years, I have seen my own insurance change drastically. I went from no deductible and small co-pays to a larger deductible ($1800) and then 15% after that is met. That has definitely changed the way I seek medical care for myself and my family. I am a nurse and I don't go in sometimes when I am thinking maybe I should. I don't think that is right. I also take care of patients every day whose parents are trying to figure out how they will pay for the care their children need. That is very sad. I am interested to see what our new president will do with healthcare. I would love to see every person be able to get the care that they need without haveing to worry that they will drown in debt!
ReplyDeleteI know that is very scary...why do we even have insurance if that is the kind of coverage we are going to recieve. We definitly need to find a solution for this health care crisis that we are in today. With the economy in such poor condition it is scary to think that there might not be a solution anytime soon.
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