Y’all, I take personal responsibility for not paying closer attention to my health insurance policy, which amounts to “We’ll cover $500 and after that, you can’t have healthcare,” at least in my case, because I have no way to come up with the $2500 it would take to get me back into the shit they would cover.
But I was thinking, on my walk this morning, that I have a master’s degree in English. If I can’t read and make sense of my insurance choices, doesn’t that mean a shit-ton of people can’t make sense of their insurance choices?
I had to sit down with two other grown-ass people, one of whom also works at my place of employment and is familiar with how insurance works, and go through it just to make sure I was getting dicked over as hard as I thought I was (I am) and to help me pick a better policy for next year that will mean I can see the doctor more than once.
I was also thinking of the Butcher’s curly blond friend, whose sister got in a terrible car wreck two weeks ago and was airlifted to the hospital with internal bleeding and how the hospital refused to operate on her because they wanted to see if the bleeding would resolve itself, since she didn’t have health insurance, but wouldn’t transfer her to a hospital that would operate on her, since she would probably die in transit.
My dad was telling me that there’s some kind of investigation going on in Illinois into taking away the non-profit status of a bunch of hospitals (including the one he relies on) because they’re turning away so many uninsured folks.
Also, I’m trying to understand Clinton’s healthcare plan, but I’m floundering on that, as well. Doesn’t it seem like she’s making it easier for people to stick with insurance they like, opening up the insurance program that the federal employees get to everyone, and then making it illegal to not purchase insurance? I don’t know.
I do know that people can’t afford healthcare, not even with insurance, so mandating that everyone have insurance seems to me to not solve the problem.
I mean, my employer offers insurance coverage, which I stupidly signed up for, which I can literally not afford to use. And the insurance plan that I can afford to use (with low co-pays and lots of stuff just covered by the policy) is the most expensive.
Now, I know that from one perspective, that makes perfect sense–the program that gives you the most for the cheapest should cost the most. But from the perspective of me, it means it’s very difficult for me to afford the coverage I need.
And I’m working someplace with good benefits and a hospital under its control. They could say tomorrow that sick employees and families are so expensive that it’s worth it to them to offer completely free healthcare in our own facilities to our own people.
I just feel like this is one of those things that is so important and yet I don’t understand enough about it to feel confident talking about it. It just feels like a mess to me and I’m not sure what we can do to fix it.
It’s one of those things where it appears to be screwed up all across the board. It’s like some of us are in a slowly sinking lifeboat and some of us are in the cold water. Does it make sense to put everyone in the lifeboat if the lifeboat is also going down?
No, not unless real help is coming and we just need to buy time. The lifeboat itself is not a solution.
And I suspect that letting hospitals, doctors, politicians, and insurors get together and decide how to get everyone into their leaking boat is not a real solution either.