(Quote) Celia-821539 said:
Look, I won't lie. I have been leaning towards Obama until very recently. But, he is the scarey thing. Many people think of Medicare as being for older people. Let's not forget that some members of our society, such as myself, have life threatening chronic conditions that caused us to be eligible for medicare at the rip old age of 41. Actually, I do have to wait until April 2013 to be eligible, but it is set and coming. I WAS thankful, til now!
I recently had the experience of my ex husband not paying for my COBRA policy on time as order, so I was, through no fault of my own, dropped, leaving me with no insurance. He was ordered to pay for COBRA until I become eligible for medicare. So, I got stuck with no medical insurance. I applied for an individual policy, and would have been fine paying the 180-200/month for that, but I was declined due to health risks because of a disease I had nothing to do with causing - it just happened.
I was forced to take a look at the national new Obama heath insurance for high risk patients. I was shocked to find that, when you get on it, it DOES NOT COVER pre-exisitng conditions for the first six months. Meaning - if you need medicine for that condition and it costs 4K/month (which mine does), forget it. They won't pay. For some of us, if we go without certain medications, there is a rather unsettlingly high risk of death. So, how is that policy any better for those of us who have illnesses?
What they're not telling anyone is that if you are the unlucky one out of many who happens to get that rare disease, or cancer, or whatever, and you do not have insurance, your ONLY safe bet is to hope that your state, as mine did, has its own high risk policy, and that you can apply and get approved for it. After that, you will neeed to pray that you have the money to pay the premium. My premium is 666$/month, and this poilicy only covers 50% for the first six months. Better than nothing, but that leaves me with a copay of 2,000$ for one month of ONE of my medications - not counting half of 8 specialists, and 9 other medications.
I'm having to draw from retirement to pay for this. Many people with such diseases did not have the opportunity to build any retirement or savings if they were too sick to work, so your average guy can't fork out this kind of money.
I have a strong faith, but I am also the single parent to two wonderful kids since my ex-husband decided to walk out after I got diagnosed. But, I spent all last month before I got approved for the high risk policy worried sick (no pun intended) about how I was going to pay for the treatment that keeps me alive for my kids. The stress from that kind of worry makes many illnesses worsen.
My bet is that neither President Obama or Mitt Romney has ever spent any time thinking that Christmas is coming up....will I BE here for my kids this Christmas? Or will I make it til Christmas.
Oh, and the notorious "death panels" that people talk about? We already have those. They're called "insurance companies". Most folks don't realize that those insurance compnaies DECIDE what treatment you will or won't get and when. Last year, while I was on my ex-husband's "good" insurance, they waited 7 weeks to approve payment for my regular monthly medication that costs 4K/month. 7 weeks = 2 doses per week. After 3-4 weeks without it, it starts to be dangerous. Then you have a good chance of winding up in the hospital, which I did. It was crazy, but they were more willing to fork out 60K for the hospital stay than they were to pay around 6K for the meds that would have prevented it. It's completely an illogical, mixed up, expensive system, and neither candidate seems qualified to fix it. I do not see a glimmer of Christ in the insurance companies or in the politicians so called solutions.
Sorry for the rant, but for obvious reasons, this topic is huge to me and affects many people I know well.