2. Haven’t paid your own premiums
3. Haven’t watched your premiums go up as much as 45% per year
4. Haven’t had a sick child
5. Haven’t experienced a serious injury
6. Haven’t gone bankrupt trying to payoff medical bills.
And, as demonstrated by the debate and subsequent vote in congress, if you’re not for health care reform—at least the current version of reform on the President’s desk—YOU are a Republican.
I’m neither a Republican nor a Democrat. In fact, I detest partisan politics. I won’t form my opinion on an issue because President Obama and Nancy Pelosi tell me how to think. Nor will I enter a debate using phrases I’ve heard from Rush Limbaugh or Newt Gingrich.
I am an American citizen who strongly believes our nation is in dire need of health care and health insurance reform. I realize it’s what our government is trying to accomplish. It’s been a messy—even UGLY—process, but the debate in itself, has demonstrated the true nature of a democracy.
I may not like every aspect of the bill President Obama has just signed into law; however, I believe it’s the first step in getting on the track to reform. Let’s stop fighting and name-calling and deal with it, shall we?
When it comes to why I feel we need health care reform, my opinion is based on the following:
I am a small business owner. It’s a sole-proprietorship, where we pay for our own medical insurance. We do not have a dental plan. This means each time we go for a cleaning or a crown, we pay full pop (Did you know crowns can cost as much as a thousand dollars apiece these days?) Fortunately, we are a healthy family. Most of our doctor visits are preventative in nature. We keep our appointments, issue our co-pays and go back to living healthy / lucky lives.
Two years ago, however, my child had an accident and broke her arm. It required surgery. At the time Blue Cross/Blue Shield—a reputable insurance company—covered us. As customers of BCBS, each October, the month I officially aged, I received a letter informing me our premium was going up. Then again in December, the month of my husband’s birthday, a second letter came announcing yet another increase. Since we weren’t getting any younger, there was no end or cap in sight.
After my daughter’s fourth cast came off for good and all the bills came in, in spite of our BCBS coverage, we still faced close to $4,000 in expenses not covered by our plan.
Now, this may not seem like a lot to people with a lot of money—those people who make $200,000 per year or who have homes valued at $700,000 (i.e. those facing taxes proposed by this bill/law)—but to people who work just as hard in less lucrative professions and who pay rent rather than own a home—or who’ve already paid out $6,000 in insurance premiums, which have only covered part of maybe four annual checkups . . . it’s a big financial burden.
We paid our bills and then shopped for new insurance. With the new company and the new underwriting, our premiums were cut in half; however, we soon learned that they paid for, well, nothing. Then when our birthdays rolled around, the premium went up 45%. So, we found yet another company and are currently keeping our fingers crossed that this one will be a good one . . . at least until the birthday letters come.
I am an American citizen who strongly believes our nation is in dire need of health care and health insurance reform. I realize it’s what our government is trying to accomplish. It’s been a messy—even UGLY—process, but the debate in itself, has demonstrated the true nature of a democracy.
I may not like every aspect of the bill President Obama has just signed into law; however, I believe it’s the first step in getting on the track to reform. Let’s stop fighting and name-calling and deal with it, shall we?
When it comes to why I feel we need health care reform, my opinion is based on the following:
I am a small business owner. It’s a sole-proprietorship, where we pay for our own medical insurance. We do not have a dental plan. This means each time we go for a cleaning or a crown, we pay full pop (Did you know crowns can cost as much as a thousand dollars apiece these days?) Fortunately, we are a healthy family. Most of our doctor visits are preventative in nature. We keep our appointments, issue our co-pays and go back to living healthy / lucky lives.
Two years ago, however, my child had an accident and broke her arm. It required surgery. At the time Blue Cross/Blue Shield—a reputable insurance company—covered us. As customers of BCBS, each October, the month I officially aged, I received a letter informing me our premium was going up. Then again in December, the month of my husband’s birthday, a second letter came announcing yet another increase. Since we weren’t getting any younger, there was no end or cap in sight.
After my daughter’s fourth cast came off for good and all the bills came in, in spite of our BCBS coverage, we still faced close to $4,000 in expenses not covered by our plan.Now, this may not seem like a lot to people with a lot of money—those people who make $200,000 per year or who have homes valued at $700,000 (i.e. those facing taxes proposed by this bill/law)—but to people who work just as hard in less lucrative professions and who pay rent rather than own a home—or who’ve already paid out $6,000 in insurance premiums, which have only covered part of maybe four annual checkups . . . it’s a big financial burden.
We paid our bills and then shopped for new insurance. With the new company and the new underwriting, our premiums were cut in half; however, we soon learned that they paid for, well, nothing. Then when our birthdays rolled around, the premium went up 45%. So, we found yet another company and are currently keeping our fingers crossed that this one will be a good one . . . at least until the birthday letters come.I was happy on Sunday night when I learned this health care reform bill passed in the House of Representatives. Again, it’s not because I agree with everything the bill proposes. It’s because I agree with what the bill represents. What it represents is the first step toward truly necessary reform.
It also represents the first time in a long time that Congress has actually accomplished SOMETHING other than just perpetuating ugly and unproductive partisan politics.
It also represents the first time in a long time that Congress has actually accomplished SOMETHING other than just perpetuating ugly and unproductive partisan politics.
