Wednesday, July 29, 2009

Atleast 52 Million Americans Have No Healthcare ....I am just one person Who truly Needs the Public Option.NOW.


This is Not Rocket Science....click the article and learn talking points and facts that will help you make calls to your reps..be sure to emphasize that the Public Option would Save Lives. ( read this article for more infor and learn more.
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My Healthcare Story....DC and the MSM need to Cover ALL of Our Stories...The Reality of this Crisis. Both to some degree are Enabling the Insurance Industry. We do Not need Insurance Reform, we need Healthcare Reform. The Public Option would save Lives.
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I am an RN of 20+ Years. I have worked to take care of hundreds,maybe even more. I have never ever refused anyone care for anything, I have worked it all from Community Health, to AIDS to ER to Hospice....Homecare to Hospital Care. I took an Oath to care for people, to deny No One Care and to do No Harm. As a Nurse I have always tried to teach others to be proactive and take good care of themselves.I never thought I would be UnInsured or not able to have access to care I need. I have been Uninsured since 2006, this is my story of why and how it happened....and it is personal, and I am sharing it because it matters...it is Reality.It is a Reality for me , and 52 Million other Americans.Below is merely a piece of my Healthcare-Less story...

In 2005 I went through a Divorce, and therefore needed to find Insurance on my own as a single mom. My son still did and does have coverage, and that was my top priority. I set off to find a job that would offer benefits and also to find Health Insurance.The Cheapest Single Payer plan I could find was $480/month. I contacted more than 14 companies, and only ONE would take me. I was denied coverage by 6 of them for having MVP ( Mitral Valve Prolapse- a simple heart valve deformity that millions of Americans have and it is a structural issue). That was the beginning of seeing the dimensions of the ability of Insurance Companies to deny care. I called the Insurance Company and learned that many conditions are Exclusion worthy it was a long list. Even someone being ordered for an EKG or an Echo or other test that indicates Heart Monitoring would have people be cancelled. So also Doctors can not properly monitor for Heart Disease without restrictions and being over powered by the Insurance Companies. So people with Insurance could also be cancelled at any time for a test or Xray being ordered,without warning or notice. What bothers me about this process is that Insurance companies don't have to follow or abide by any HIPPA laws , they can do demand access to your Health History and records BEFORE they agree to accept you. It is like a Club that does not have to follow ANY laws ?

( By the way- that is just part of the Heart Story....but it was the beginning of learning about being Denied care....I do have valve issues, BUT the bigger picture is that I take good care of myself, I walk everyday, use a treadmill, and don't smoke or drink....I am proactive, but no one ever asked me that.Bottemline someone with an enlarged heart and valve issues SHOULD have Monitoring and Regular Screening, ie EKG"S etc.)

So that was the beginning of the struggle. So Finally after many monthes, I found a company that would cover me, and I was willing to pay the 480/month until I could get a job with benefits. So I paid for the insurance for 3 monthes, then I went to get my first Breast exam in many years, thinking I was going for a routine mammogram. I got there and there was a lump, actually a cyst the size of a small plum. So there was ultrasounds done and the cyst was aspirated ( 9 cc's....). And I was sent to a follow up to a Breast Expert. He was very thorough. He did a History, he asked about my family. I explained that my grandmom had died of Breast Cancer and Lung Cancer. I also explained because she encouraged me, that before I had gotten pregnant with my son I had had the BRCA test when I lived in another state. He asked me to try to get those records, so I did, and could not- they were archived or lost by the Institution. So he did what any doctor would do , he ordered the important blood work be redone because it is important for monitoring and screening for breast cancer. I asked him not to, I told him when it was ordered that it would cause me Insurance Problems. he said it was worth the risk.

So within weeks, I was Cancelled for not providing a FULL Medical History, and ALL of the care for the Breast Appointments I had to cover myself, over $1500.

Now it is 3 years later. I am underemployed, with 3 part time jobs. The One job that is not even a Nurse job is at a market,I took it because I was told that within a year I could be Eligible for Health Insurance. NOW for the Truth, the Market Job will review my situation at one year and submit my name, and start paying in, but that is a Probation period, and THEN the Actual Plan review is Not Until Spring 2010 ( though I have worked there since 2008). And then at that time I can and still could potentially be denied, even after paying in during the Probation period.The Nursing work here is all part time or per diem with NO Access to ANY coverage- so that is my ONLY Option. ( The Hospitals here have a Freeze or only are hiring per diem or part time if at all, and this has been the case since 2007).

So here is where it gets very interesting.

For the past year I have been battling 98% of the Symptoms of MS, thankfully, my Brain is fine and working at same speed. BUT my muscles are failing, and I am losing strength and coordination.I have constant pain and muscle spasm and stiffness and my gait is effected. I have NO meds for this. I have received some free medical "advice" and guidance about what I "need", ( which vitamins and supplements to try). I need a Neurologist, but can not find one single one that is willing to take me Without Insurance. I have contacted all the right people and organizations. I even found one group willing to donate an $2000 MRI for me, but without a doctor or someone to offer me care, it is a meaningless gift. MS means that for work I get up 3 hours early so that I can get "Unstiff" . I do have a Doc In the Box I go to when I am desperate for care, but I can not go there for this. I have only been there this year when the Recalled Cookie Dough left me so sick and dehydrated, but I had to pay out of pocket for everything. Another time when I needed antibiotics for a respiratory infection I ordered Fish Antibiotics from a Pet Company. And this winter I had a stress fracture in my foot I used Duct tape to treat it. And about the Breast Cancer Risks and History, there was never a follow up or another test done. I did try to get care at the Free Clinic and was denied because they are not taking ANY new patients, they are full. Other low income clinics would not take me without Insurance or MediCaid. I am out of Options.

So there is a Piece of my Medical Story....Beyond Broken...and I am just one of 52 Million that has such a Story....I am one of 52 Million Americans that Needs a Public Option....Now.

8 comments:

Annette said...

Thanks for sharing your story. It is important for people to see this.. It is crazy that these idiots who can't realize how personal it is for each of us. I have insurance now..but only because I have Medicare and am disabled..if not for that I wouldn't have any..Once Baby Blunt came into office he took my Medicaid and now if I try to get it with the pittance I make it would cost me almost 300 bucks a month, now how crazy is that.

enigma4ever said...

Annette::
I am glad that you have care...all of us should have care..I am sorry you live in Bluntland..I know that makes it worrisome..and see we should have a system that has nothing to do with one's Governor...

Personally I hate sharing my story...as an RN I am embarrassed and ashamed of this situation...it makes me as a nurse and as a person feel irresponsible...and I work at a job that is horrible for MS..the worst...lifting weights for hours...and being overly underemployed does not qualify me for any care....
I have cared for So Many ..and yet I can not get care for me....

BUT...I do think Ed and Keith and Rachel should have Real stories on- like mine, even one day....would open people's eyes..

MandT said...

Damn! Absolutely unbelievable, outrageous.... What's it going to take---a revolution?

Elizabeth said...

Enigma, I am so sorry. And so outraged on your behalf -- and the behalf of all of us.

Check my Health Care and Profits Don't Mix.

May I include the link to your post under my insurance horror stories?

enigma4ever said...

sure you may Elizabeth- I also posted a link to your blog- excellent work...

yeah...Healthcare Nightmares are all around....I know I am not alone sadly...

thanks for your work on this keep it up...

Fran said...

It was brave of you to post this, and hard to share one's personal health story.
One would not think this is the story from the US, but maybe a 3rd world country .
You are absolutely right when you say these real life stories are what need to be told publicly.... not the scare tactics & lies that are being spun.

I hate that it is so convoluted. They put on the airwaves *this will cost more*.....
as if it is not costing us now-- the ultimate price--
lives, and the fact so many are having to take desperate measures-- showing up in emergency rooms or urgent care, with no way to pay but "a" way or maybe "the" way....the only way to get access. Paying at triple or more rates to get care, drives up all the pricing.

For the first time in his life my son does not have health care. He took a job, which had him taking less than full time classes, & that disqualified him.
the University offers a fairly spendy, but benefit lightweight policy.
The University also upped tuition 28%-- from $6200 a year to $7,428 a year- plus fees & books, etc.

If he quits his job to go to school full time, then we can add him to health care.... but what of the means to pay for it???

It's a damned hard rut to get out of.
But your story shows the extreme catch 22.
If you get care or even diagnostics, then it is used against you for coverage.

It's heartbreaking really, and should not be happening in this country.

enigma4ever said...

thanks fran...
I know everyone is wrestling with this...I am not alone....but I am worried...

Lazarhat said...

I agree. My sincere thanks for sharing this. It is tragic that we live in one of the best countries in the entire world and we are all being slowly killed off for the sake of corporate profits. I think you know my story already, similar but different. Dual cancer survivor, post operative infection that I still live with YEARS after surviving cancer... my insurance company denied all benefits. Didn't pay a dime. Now I have nothing. Nothing left but hope and a strong will to keep fighting. There are far too many things in this world I still find beautiful and interesting, despite any of the ugliness, for me to just give up.

Do not despair. We WILL prevail. Health and happiness IS a basic human right that we all deserve. When you hear people opposing a public option or a single payer system, please do point out to them, repeatedly if necessary, that their position is in opposition to the ideals that America was founded upon -- "Life, liberty and the pursuit of happiness..." -- if they don't support a public plan or a single payer system they are denying us these basic human rights and frankly, as I have said in letters, email and to their faces, that is un-American!

Keep fighting the good fight, dear and may all the under-insured and uninsured prevail... and I have absolutely no doubt that eventually we will.

-Laz
(Randy)