Here are my two cents on why I would love to see free healthcare for everyone in this country. I get frustrated when I hear politicians say things like, we’re going to make it so that people can buy insurance plans with what they need on it and they won’t have to have plans that include things that they don’t need. Now initially that sounds great! Who wants to pay for things you don’t need, sign me up! But here’s where I have an issue with that. Unless they’re handing out crystal balls with every insurance plan, how do you know what you’re going to need next month, next year or even tomorrow? The point of insurance is to cover you for when UNEXPECTED things happen.
I’m a good example of this because when I was diagnosed back in 2009, my husband and I had a plan that we could afford, which we later found out was a terrible plan. (A little background, we’re both self-employed which was why we were looking for insurance plans on our own. Prior to that we had both worked for companies and had gotten our health insurance through them. If you’ve always had health insurance through a company and have never had to deal with getting it on your own, you don’t know how lucky you are. You should send flowers to your Human Resources person for what they probably go through.) So, we didn’t know the insurance plan we bought on our own was a terrible plan when we initially signed up for it. We simply found one we could afford and incorrectly assumed that it would cover anything that may come up. We didn’t know that we should have asked what diseases/treatments may or may not be covered under our plan. We had both always been very healthy and were healthy at the time we signed up for it. In the past we had never had to ask about what illnesses would be covered and didn’t know that we had to. And then when I was diagnosed, we found out that we were “underinsured” and not covered for the chemotherapy that I would need for my very treatable cancer.
Unfortunately my story isn’t unique. This happens to people every day and I don’t want to see it happen to anyone anymore. I understand that some people think free healthcare is a radical idea, but we have to think outside of the box in order to make any worthwhile change. A true healthcare system is one where anyone can go to the doctor whenever they need to, for whatever comes up in their lives. It also makes sense to offer free healthcare because then people could go for their well check-ups and hopefully catch something early if a health situation arises. When people don’t go to the doctor for well check-ups and only go when they’re sick that’s more expensive for everyone.
We have enough smart people in America, and if we truly believe that we’re the greatest country in the world, then we should believe that we can do this. If we doubt that we can do this, then we’re lying when we say we think we’re the greatest. When people talk about other countries that already have free healthcare and problems that they see with it, we can learn from those countries, take what works and improve on the other things that we don’t like.
It’s very frustrating when I hear stories about how some people don’t go to the doctor because they can’t afford the co-pays, but I know it’s not their fault. Because even if they can afford the co-pays and they find out something may be wrong, they can’t afford their prescriptions or their treatment and that should never happen. Health insurance is a right, it’s not a privilege. If we’re really a country that cares about our fellow citizens then we need to fight for each other and demand the best free healthcare. Otherwise let’s stop pretending that we care about each other and call health insurance what it really is, “the business of taking money and pretending that we care.” How fair is it to pay into something that may not even cover you if you get sick? I don’t know anyone who enjoys wasting their money like that. If your health insurance doesn’t cover you no matter what may happen, then what’s the point of having it? Hoping and praying that you never get anything worse than a cold? Now that’s a nice fairy tale.
Here’s a fake “job listing” that I made up, looking for insurance company CEO’s. Disclaimer (yes the need to explain myself runs deep as I don’t want to offend people who don’t deserve it): The insurance companies had this one coming. Please note that this is not about insurance brokers or anyone who works for an insurance company who are just trying to do their jobs (unless you’re the CEO or whoever makes the rules). I had a great insurance broker at one time who is smart and caring. This is directed towards “the man” aka the top executives of these companies, the ones who make all of the crappy rules like “preexisting condition” clauses and other wonderful things like that which make it difficult and sometimes impossible for people to get healthcare in our country.
I wrote this after much stress and aggravation given to me by various insurance companies. For example, getting four preexisting condition letters in a four week time span, which meant I had to fill out the exact same form, with the exact same information, four times in a row and hope that the “powers that be” would approve the doctor visits I already had, even though I had already waited the amount of time told to me by the insurance company in order NOT to have to deal with the preexisting condition clause, things like that. If you’ve ever had any issues with an insurance company, I hope you enjoy this!
“Calling All Entrepreneurs”
I’m about to present an amazing business opportunity that you won’t want to miss!
Here’s a riddle: What kind of business can you run where you can charge people for your services or product, take their money and then decide later on whether or not you actually want to give them the service or product that they already paid for. And here’s the kicker, if you don’t want to provide the service or product you don’t have to give them their money back!
What kind of business can you run where you basically decide if someone lives or dies based on whether or not you provide your service? Sounds like organized crime you say? Oh no it’s much worse than organized crime, it’s the health insurance industry in America! Because it presents itself as wanting to protect your health but really all it wants to protect is it’s bottom line. Hmm, come to think of it, it’s one of the biggest organized crime rings in America!
Found a lump that you want to get checked out but can’t even afford the co-pay, go ahead and ignore it because we’d tell you that we don’t cover the chemotherapy anyway for the very treatable cancer that you just found. Better keep sending us your money though because if we have to drop you and you’re under the age of nineteen, good luck ducking that preexisting condition clause with your new insurance company. No matter how you slice it, you’re screwed.
We’re looking for fat cat CEO’s in the making who want to make all of the rules and want to take hard working people’s money. Compassionate people need not apply. We really don’t care about people’s health, we really care about how big our wallets are. We’re looking for go-getters who have no regard for other people’s health and well-being because bottom line, other people’s health and well-being aren’t good for our bottom line.
Are you sadistic? It’s ok, you can admit it! It’s fun to make sick people squirm and what better way is there to make them squirm than to deny them their health insurance? Is there a black hole where your heart is supposed to be? Are you lacking empathy, sympathy and compassion, then you’d be a perfect CEO for the insurance industry! Don’t delay, call us now!
– Jenn G.D.
Follow me on Twitter! https://twitter.com/JennGDonohue
For help with financial/emotional issues, contact Leukemia & Lymphoma Society http://www.lls.org/