Everyone has a health care story, it could be a positive one, or it could be negative. Whatever the experience though, those stories are intertwined in the lives of people.
Since I’ve been lucky enough to live around the country I’ve also been unlucky enough to experience different care systems. My experience has been incredibly frustrating and varied.
After i graduated college I was promptly kicked off my parent’s insurance and I paid COBRA for a few months prior to the start of my job in August/the beginning of my health insurance in September. I had no idea what I was in for. Prior to the bump from my parent’s insurance I had only a few dark spots in my history with health insurance. Like that time my orthopedist couldn’t get an MRI approved till months later, and when he could finally see the inside of my knee he told me that it was too late to repair the damage that had been done using physical therapy. I’d just have to deal with a partial tear in my knee, I was no longer a candidate for physical therapy and I wasn’t a candidate for surgery. I blew apart my knee a year later.
Or after I blew apart my knee (hospital visit, big co pay 1) , and my mother’s health insurance had been switched from a PPO to a POS. Which meant i had to go to my (small co-pay 2) primary care provider (PCP) to get a referral to go to the orthopedist (big co-pay 3) to get an (big co-pay 4) MRI. Then I had to go to my (co-pay 4) PCP to get a referral to go to my (co-pay 6) orthopedist.
But really, I should have been grateful for what I had then because once I got to Tucson I realized the problem wasn’t just efficiency it was also access to care. The HMO I could barely afford granted me a list of five doctors. Three of which were board certified, the other two? I have no idea whatthey were, but they weren’t certified. When I needed to see a doctor i couldn’t, which, with my allergies is frequent. Between eye drops and sinus infections, to bronchitis to asthma I’m a bit of a “high maintenance” patient. I would call each doctor’s office and the phone would just ring, and ring and…ring. I couldn’t see a doctor, so I’d have to go to an urgent care facility, pay the higher co-pay, receive less care and wait longer. EVERY TIME.
When I was in England I (shockingly) was hit with a nasty sinus infection and bronchitis. I called the doctor in the next village over, got a same day appointment, saw the doctor within 10 minutes of my appointment time and was out the door with antibiotics within 30 minutes. This cost me? $60 prescriptions included. For my husband (an English citizen) it would have been free. I’ve seen doctor bills in the US, and I’m sure that same appointment would have cost me over $100.
I’m not saying the NHS is perfect, I’m just saying there is a better way. There has to be, only 55% of adults in America are getting the care they need. Dont believe me? Check with the Kaiser Family Foundation. KFF has tons, TONS of graphs, charts and statistics to give you an overall picture of the current state of “care’ in America.
Back to my story, I moved to Miami with the same organization. Somehow, in the shuffle of paper work my health insurance wasn’t switched. I was living in Florida with Arizona health insurance. How did i discover this? I tore the ligaments connecting my leg to my ankle and i was desperately calling BCSB to let me know if I was pre-approved to go to the closest hospital and BCBS asked said i could go to the hospital, but I couldn’t see a doctor in network unless I went back to Arizona. yeah…let me hobble over there.
My job thankfully straighted it out within a few days, but I was pretty much laying in bed with an ace bandage on my (now) swollen club foot. It was horrible, because when you’re in pain, or scared the last thing you want to deal with is wondering IF you can get care for your newly detached (on the inside) foot. After my job straighted it out, due to their clerical error I had to put on a PPO and I received fabulous follow up care. Then my contract ended with my job and i went on COBRA – at $350 a month…for almost a year. I don’t want to calculate what $350 times 12 is because I’d probably have to hospitalized if I knew.
The funny part of my experience with health care is that i thought it couldn’t get worse than the care I had received while employed. But during my 12 month COBRA business i repeatedly attempted to get individual coverage and I was repeatedly denied.
That’s why I’m calling my congressman today and telling him to vote yes on the house bill. Yes, I do with there were more amendments that strengthened the public option, yes, I want less control from the drug companies. But, that’s also why I’ll be calling my senators, to call on them to create a bill the house couldn’t. Want to find your rep? go here.
What’s your story?