I have several fairly serious medical conditions, as do two of our daughters. Four of the five of us have medical insurance through my husband's job. IT SUCKS! The copays on the meds that keep me functioning are high (how $127.00 copay on ONE of the seven drugs I have to take to stay alive is "saving me money" is a stretch to me) they don't cover everything, no chiropractic, no herbal therapy, nothing other than regular MDs (which I NEED) and hospital care. I'm waiting to find out if Botox will be covered, as it IS useful for migraines and it could cut the amount of meds I have to take a lot. It was only FDA approved for migraines a few months ago, and even now, many insurance companies won't cover it. I hope mine does, but I'm not holding my breath.
Our deductible went up to $750.00 this year, without telling us. And our part of the monthly payment for this shittiest kind of Blue Cross will be going up 75% next year! Assholes.
Our oldest dd lives on her own and is no longer on our insurance. She lost her job, which provided her with insurance and now she and her boyfriend are not covered. She has two severe neurological issues and some immune system disorders and does not qualify for state insurance, so she goes without. It breaks my heart, that in the richest country in the world, people who work hard and contribute to society cannot see a doctor or get meds when they need them.
My best friend's husband went the first 55 years of his life and NEVER used his medical insurance. But, he had it. He never went to the doctor, he claimed he was "never sick a day in my life." He had some shoulder pain that was getting worse and worse and finally broke down and saw a doctor for the first time in 50 years. He was diagnosed with bursitis in his shoulder 3 years ago, the pain got worse and worse, and it was realized that the pain was because he had undiagnosed Stage 4 Lung Cancer which had metastasized to his bones. His medical bills over the next 3 years were over One Million Dollars. My friend lost her husband less than a year ago, but he had the right meds to make his last days, where he could die at home, peaceful and nearly pain free. She also did not lose her house or her car, or go into bankruptcy, nor does her son have to skip college, which surely would have happened if he had not had medical insurance
despite claiming for decades, "I don't really need insurance, I never get sick." He did.
Insurance isn't just for you
it's also for the people around you and the people you leave the bills to when something catastrophic happens. They bill your next of kin (husband wife and in some states, even your children) when you die of something and leave bills. Either that or you can lose you house, car and everything else if you live after something expensive needs to be treated.
I think if people can at all afford it, they should have some medical care. Sadly, not everyone can
afford it. However, I DO NOT understand people who "choose" to not get medical care if they can at all afford it. It may well be that if (when
) they get sick and don't have coverage and their relatives can't pay, people like me end up paying for it
in increased insurance payments, increased doctor bills, increased ER bills, increased drug prices etc.