Speaking of getting healthy

I don’t want to start a riot here, but if you’d like to share some civil ideas on the subject, I’ll entertain approving the comments.  Is there anyone who is looking forward to the Affordable Care Act (dubbed Obamacare) besides me?  I can understand most folks not wanting the government intruding into their lives and forcing them to do anything, and I’m sure there are parts of this law that really need tweaking, but can I tell you a little bit about how it will affect me?

I currently have health insurance.  It is state employees retiree insurance.  Because I worked for the state for over 30 years, I receive a subsidy that pays for part of my insurance.  For 30 year retirees, it’s supposed to be almost half.  The insurance currently costs me $461/month and it sucks (even though it must be a nearly $900/month plan if I’m paying $461).  Sure, doctor’s visits are only $20, but from there you’re on your own.  Most of my health issues stem from the bariatric surgery I had while covered under regular state employees insurance.  They don’t cover anything to do with bariatric surgery after you retire.  In fact, since I’ve had an issue and my surgeon recommended revising my surgery and submitted it as medically necessary, they’ve begun to go back through all my records since I retired and are ruling many things as bariatric related.  They are denying things from February of 2012 now (over a year and a half later), and I am getting billed for those things.  I am not happy.  I have been looking at the plans available in Oregon under the Affordable Care Act and, while most of them probably don’t cover bariatrics, I think many of them are better than what I have now.  Sure the co-pay to see the doctor may be a little higher, but the premium I would be paying is $130/month less than what I’m paying now.  I think I could find the extra $15 for an entire year’s copays in one month alone!  The deductibles are a bit high, but I’ve been advised that the deductible on my current insurance is rising in line with these policies.  Most of my medical expenses are medications.  Sure thyroid hormone is inexpensive, but the array of allergy preparations I get and migraine meds are horribly expensive.  My current insurance will pay only 40% next year for meds.  Most of the CoverOregon plans have $10 copays for generics and $50 for preferred meds, and the prescription coverage kicks in before the deductible is met.

No one wants to do something that someone tells them they have to do, especially if it costs them money.  However, we do have to have car insurance to drive a car.  If you buy a house and take out a mortgage, your mortgage company will make you insure the house in case it burns down or blows away in a hurricane.  Life is rough sometimes.  Shouldn’t we be insuring the shell we carry around with us all day, every day?  These are just my thoughts.  You may think I’m silly for thinking this way, but please don’t yell horrible things at me just because this is my belief.  Have any of you checked out the policies in your area?  I haven’t had time to check them all out yet, but I’m hopeful.  What do you think?

Advertisements

6 thoughts on “Speaking of getting healthy

  1. I live in the Southeastern part of the US. I grew up all over because I am an Army brat (and Veteran.) My perspective is different from the people around me. The Sheepeople here follow the views that they are told that they should. I always feel like “the lone voice in the wilderness” on this topic. Mostly I think that the Sheepeople here don’t like the ACA because President Obama and the Democrats proposed it. They so badly need this act. My state, before the act became law, only allowed BCBS to sell health care ins. How is that legal? I am thankful everyday that my DH spent 28 years in the Army and that we have Tricare Prime. (from Humana) Our co-pays aren’t very high, we can see a Dr when we need to, surgeries and all aren’t out of reach. So far the only things not covered have been the optometrist. I am so tired of hearing politicians say “The American People Want…” (sounds like WMDs to me), I am one of the American people and I think that we really need to revamp our health care system. I have a friend who also has Tricare Prime and was able to keep her son on her policy thanks to the new law. Without it they would have been bankrupted by his medical bills when he suddenly was infected by a bacteria in the brain and needed immediate help to save his life. (She is thankful for the new law too.) I like what has been attributed to Jimmy Carter, “If you don’t want your tax dollars to help the poor- then stop saying that you want a country based on Christian values, because you don’t.”
    I will understand if you don’t allow this, but it is my 2 cents. Feel free to edit.

    • I agree Sara – I’m not sure the current health care law is the best thing, but at least we’re working on it. I think one of the main things wrong with the way this country is run is that you have to have a lot of money to get elected to public office. And, if you do have a lot of money, you have no idea what the average Joe or Jane wants — you tend to be insulated from “the American People” when you’ve got a lot of dough. I guess what’s bothering me most about this government shut down and all is that we voted and the dems and the health care law won. Let’s get on with it and get to fixing its problems instead of just trying to throw it under the bus. We need to be proactive instead of reactive. Thanks for stepping up and saying what you think! I appreciate it.

  2. Thank you for bringing up the topic. I’m a state worker at a university medical school. I’m good atm but I’m approaching retirement age and am concerned. Right now I just don’t understand how it all works. When I try to get answers I get opinions or a sales spiel instead of facts. Where do you begin?

    • I know that feeling Kathleen. It was very difficult to get information on my retiree insurance when I was preparing to leave work. I pay a large sum each month for bad coverage. Depending on which state you live in, your state should have a site set up for their health care market place.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s