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Sparkle (0)
When my husband changed his job, we knew we were going to end up using COBRA health insurance until his 90 days at the new job. So we thought maybe we'd save some money with a private insurance instead of COBRA. After applying for Blue Cross PPO it seemed to be taking forever. January was almost over and we hadn't heard back. There's no way we wanted to start Feb with no coverage. We received the COBRA paperwork and I changed jobs. It seemed we could use my new job's insurance and save money starting in April.
We called the insurance guy and said never mind on the private PPO, we'll do COBRA and then my insurance.
Today Blue Cross sent us a letter. We were denied coverage. Why? Because my husband has a genetic mutation (inherited from both parents) in his blood that sometimes causes people's body to keep to much Iron. If it's not caught, an overload of Iron could cause damage to organs. It's very treatable without medication. Just get rid of some blood a couple times a year. The hematologist said having the gene didn't even make it a diagnosis. But the insurance company saw that as a possible drain on them so denied us.
So basically, my husband or I need to keep working for the man until we retire to get health insurance. If he ever wants to follow his dreams of opening his own brewery, I'd better have a job to keep him insured. He also would be ineligible for life insurance as well. Better get him some of that at my work too. Until us the voters do something about it.
Maybe universal healthcare seems like some socialist idea to you. Maybe you've heard bad stories from Canada. But Canada isn't the only other country with universal healthcare. Anyone heard of France? The UK? All of the industrialized western world. I know there are a lot of people who think it's your problem so we shouldn't have to pay for it. But we want to pay for the insurance. The insurance that would have cost us like $6-700 a month. That's almost $8400 a year just to be covered. The United Staees (ccording to the World Health Organization) spends more than any of those countries on health care. And we have more people who are left uncovered.
Before we dismiss this idea, why not examine the problems other countries have and learn from them instead of letting the corporate world decide who's life is worth spending money on.
