Tag Archives: ObamaCare

Sounding Less Ignorant for NPR

13 Oct

I’m ashamed to admit my “news” source is Facebook.  And people I overhear–at work or at school.  Not the best for a 30 year old.  Also–I’m anti-politics.  I think anyone who gets that far “played the game” and is therefore dishonest and untrustworthy and phony to a certain degree.  So it’s weird I’m in conversations with NPR.  My mate, Cool sent some sort of e-mail response to the news group and now I’m almost famous.  Which is good and bad.  Good, because people like me–caught in-between a job and a career, poverty, and low-income, liberal and conservative–will have a voice,  I can tell the story of many forgotton people.  But bad too–because I am legit-uninformed, not politically involved, and fairly ignorant regarding laws, insurance, and politics at large.  In the interest of doing my segment justice, here are some well-thought answers to potential questions:

opposing parties

–>Aren’t I concerned about being uninsured?

Sort of.  It would be awful if I got appendicitis and had to pay for an emergency room visit.  It would also be terrible if my apartment caught on fire, my car was totaled, or one of my cats ate a string and required surgery.  I worry about a lot of things:  Paying my rent, keeping my car in good working order so I can get to work and school, keeping up with my undergrad loan payments so they don’t garner my wages, keeping my kitties fed, and buying groceries.  In my situation, any number of things can go wrong, so I have to prioritize which is most likely/relevant.  My health–since I have no previous or current issues, has to go on the backburner.  Plus, with health insurance, I do not feel like I’m getting anything back for my money.  I want exams or perscriptions, or something back in the short term for that $100/mo or $1,200/year that means so much to me.

–>What happens if you do have an emergency or health problem?

I pay it off.  Slowly.  I went to the emergency room before.  Certainly I could not afford it.  And no payment plan–other then “pay immediately or lose your good credit” was extended to me.  BUT I paid what I could each month–and the emergency room didn’t turn me into collections.  I made my own payment plan so to speak.  Just paid what I could on a consistant basis for almost 2 years.  And paid off my entire bill–my myself.  It’s what responsible citizens do.  I hardly expect government or tax payers to pay my way. . .  And for non-emergencies I just try to reduce my doctor visits, live wisely, and do what I can to avoid costly medical expenses.  It’s not that hard to sleep, take vitamins, and wash my hands rather than running to the doctor for every sniffle.

–>Haven’t I looked into my insurance options?

I looked into my options briefely.  I can’t say I have devoted an apprporiate amount of time on the issue, because my biggest priorities are studying and attending school and going to work–and when I’m not doing that I’m generally tired.  What I did find was what I deemed unreliable, politically-charged “information” or large sets of data that may or may not pertain to my specific situation to wade through.  It’s been frustraing and has made me feel very ignorant and uninformed about the whole process.

 

Health Care Confusion

8 Oct

I repeatedly voted for ObamaCare or “Affordable” Health Care Act or whatever you call it.  Having no real idea what the law said/meant.  I thought free health care for everyone was an excellent idea.  I was under the impression everyone who had health insurance would get more from it–no co-pays, no discrimination.  All the women groups and gay groups said how awesome it would be.  I thought either government or employers had to cover every person–and (this sounds so silly now) I thought it would be at no charge to individuals (me).  I was thinking of Canada’s Health System.

parade 2

I should have researched:

-Firstly, I had/have no idea about the ins and outs of the law

-I don’t understand insurance jargon such as “deducatable.”  Am I extraordinarily stupid–or does anyone?

-I don’t know where to look to find easy to read, non-politically motivated, actual info–that pertains to my situation.

-I don’t want to have to spend a disproportionate amount of time researching and signing up for insurance–or a lot of money.

Leslie Knope

My Situation:

-I work part-time and no longer qualify for health insurance through my ‘under 50 employees small business’ job.

-I go to school part-time so I do not qualify for a student insurance plan.

-I make too much money (how is this even possible?!) for Medicaid.

-I applied for the Medicaid-rejects, state-run (so called cheaper-option) insurance and it would be $128/mo!  For catastrophic-only.

-The insurance companies in my area offer $100/mo min policies for me.  For just catastophic.

hit by train 1

I guess I am Also “Willfully Uninsured”:

-I have no pre-exsisting conditions

-I have no chronic (or other) health concerns/conditions.

-I never go to the doctor–unless I’m injured AT work real bad, dentist, or glasses (neither EVER covered).

-I have in fact, gone to the emergency room once (at 22 y.o.) and of course couldn’t afford the bill–but I paid it back in full.  By myself.  Slowly.  Because I am a responsible citizen–so I in no way expect society to cover any accident I may have.

egg sx bruise

Questions:

-What is the absolute cheapest insurance I can get?

-Which company offers the max insurance benefits to cheapest rate ratio?

-When I do pay a (high by my standards) monthly insurance fee, and don’t end up having any accident or health concern–where does that money go???

-How much is the tax for NOT having insurance?

-When do they start charging tax for being non-insured?

2012 Spring 084