Most of you who know me personally know that I’m allergic to politics and “causes.” (One of those allergies caused by close proximity over the years.)
But as one of those falling thru the cracks, I guess I’d better put on my big girl panties, and say HEY! Let’s get busy & get this fixed.
Because I’m not impoverished, elderly, employed by the government or a major corporation, I can either choose to insure myself or go uninsured & cross my fingers. If I developed a chronic illness while my fingers are crossed (carpal tunnel?), I would NEVER qualify for anything but a (expensive) high-risk pool (which are also often closed to new subscribers.) Because I don’t own a business, I can’t even write off the premiums that I pay- the ones that go up astronomically every year.
Maybe you’re in a better situation. But is your entire family & everyone you love? What happens in the case of job loss (and no, COBRA certainly doesn’t cover everyone.) Or say you want to retire before 65. Or what if you are retired, and your company decides-“Whoops, I guess we can’t afford those premiums after all”? Or you divorce the spouse with the health insurance policy? Or s/he dies? Those are some rotten things to happen- but they happen every day.
I just spent the better part of 3 wks trying to figure out how to get myself insured in Virginia (VA), without losing the coverage I’d had in WA in the meantime. You see, to apply for coverage in VA, you have to be a VA resident. But VA residents are not eligible for plans in WA. So I became a VA resident & then was declined. (except for 2 really expensive policies that don’t cover much. My crime- high blood pressure.) And they’d notified my WA carrier, who sent me a contract requiring me to state whether I was a WA resident, or be dropped.
So if I had gotten appendicitis yesterday, I probably wouldn’t have been covered by anyone, despite the fact that I have paid my premiums monthly for many years, and have tried my best to follow all the rules.
Today, I found that b/c I have a Blue Cross policy & it’s national, there’s a process for transferring to another Blue Cross provider, without (probably) any pre-existing condition clauses. And I’m covered while they’re sorting it out (which will take a month.)
But this is after contacting a health insurance specialist in VA, the Blue Cross in VA, their “customer help” division, SHIBA in WA state (it’s a government/volunteer force to help people sort out health insurance issues.) I finally got help from Kristin Manwaring’s office in PT. Thank you Susan, who actually took the time to figure this out. Then another call to Regence, to get them working on it.
So while my situation is stabilized, I keep thinking about those other ppl out there who aren’t quite so smart or so pushy (or hysterical), who took NO for an answer. What happens to somebody who wants to move to a different state & isn’t fortunate enough to have a Blue Cross plan?
If you’re thinking about them, too, please write to your senators and check out the healthreform.gov site. On the home page is a map so you can see your own state’s issues. There’s an article on women’s issues as well.
Yes, your taxes may go up. But you or your loved ones shouldn’t lose coverage (or your house, or everything you’ve worked for) if you retire early, start a business, lose your job, get divorced or move. And you’ll actually be getting something for the money.
Thx for listening to my rant. Stay healthy.