Health Care Sucks!

In truth it does… I am in the process of trying to get health insurance on my own. My job doesn’t have enough employees who need health care for us to get into a program and I make too much for the cheap stuff thru the state and UNM (University of New Mexico Health Care Systems) so, I am working towards getting it on my own. With the help of my parents.

I applied and got a letter asking for the last two years records. I was working on obligining that when I received another letter stating I needed the five years and I had to now get a complete physical exam by a Medical Doctor – MD for short – before they will even continue trying to process my application. This includes having to go for a pap smear. Do they even have a clue how much money they are asking me to put out… wait not me, me and my parents.

Here is a little math: Basic exam – $75 – 150 (right out the pocket when I go in), Blood work – to be billed, generally around $50 to $150 per test and I have to get 4, pap smear – $150 at the time of the exam and then I will be billed for the rest which may end up being up to $400 bucks more. So low end we are looking at $425 if I am lucky. Up to… $1,150 if they bill like they normally do. All this to be charged $180 a month to be able to go to the doctors if I get sick.

And this is all in the hopes that they MAY accept me without anything popping up like diabetes, a positive pap smear or anything else they can say – oh we won’t cover that but we will give you insurance because your diabetes is a preexisting condition or your cancer is a preexisting condition. That’s if I am unlucky. If I am lucky, everything will be fine. But we will see. I have had a positive pap in the past – so any of those may automatically be not covered because I may end up having cancer one day and that is too much a liability for them… who has money then someone like me who can is just trying to pay her mortgage each month and hoping I will be lucky enough to get health insurance with no strings attached.

So, why have I gone so long without health care? This is why… its a pain in the ass and an even bigger pain in the wallet. And I am tired of having to go to my parents for help financially to event get what some consider the basics in life like health insurance. I can’t afford it on my own. I could… if I didn’t own the house.

Maybe its time to just sell it? Not bother with any more of the stress that comes with it, reduce my cost of living by 50% and just move into an apartment again. I hate apartments but I don’t know what else to do. I can’t handle getting another job. I don’t want to spend all my time working again – I did that before and I had two nervous breakdowns by the time I was 30 years old. I am 32, will be 33 in two days… I am tired of not being right with the world and everything being out of wack. I am tired of people in politics thinking that getting a national health care program for those of us who don’t have any choices but to spend money we don’t have… not everyone in the world. But I mean if they want to tax our health care already why not give something to the people who need it.

And I wonder why my dinner last night was cake and booze…

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2 thoughts on “Health Care Sucks!

  1. Yeah understand. Our baby is coming straight outta pocket. He has insurance through work and is only 270 a month for him, which is cheap considering his field; but it jumps to 970 a month to add me or our son. So what I want to know is why can’t I qualify for help or aid? I don’t work, can’t work yet we still make too much a month to get aid? Yeah right. They only wish. $2200 a month for a family of 3 is too much? Even with just one person working? We just started going to the local walk in clinic. I haven’t been able to see my primary care physician (whom I have been seeing 20 years!) in several years because his receptionist wouldn’t even talk to me with no insurance. We even went to a midwife instead of dr and hospital to save money, hmmm 10 grand or 3900? The price of health care and hospital care is ridiculous now and out of control! I have been trying for years to get health insurance to no avail, it is too expensive. My suggestion is to share your story with the AMA. http://www.voicefortheuninsured.com they are publishing my story.

  2. OK, I really honestly know how you feel. My daughter was uninsured for awhile and I was terrified.

    Do you have a health department that you can call? They usually can refer you to a low cost clinic with a sliding scale. I had one that charged $5 for a visit and $1 for prescriptions. Now i know you need tests so you won’t get it that cheap but hopefully the health department can help you.

    I’m sorry you are going through this. The state medicaid systems suck . . . SUCK!!!

    Anyways, let me know. [Luke] I care [/Luke]

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