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View Diary: What stupid insurance company is going to sell health insurance to 65-year olds? (189 comments)

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  •  I have been trying to explain for years (8+ / 0-)

    long before Obamacare, back when Hillary was trying to get a healthcare program going, how important it is.

    I got Ulcerativecolitis at age 16.   It is the sister disease, less extensive IBD (does not effect the small intestine), to Crohns.   Now when I got it way back in 1961, even then, it was expensive for my parents.  Luckily our doctor was a family friend and for some of the more expensive drugs like prednisone (anti inflammatory steroid) he did not charge us but a minimal cost as he got many free samples.  

    I was lucky that after two years, (and megadoses of steroids) I got some control over the disease; enough so I went through college, got my degree and became a teacher.   Despite constant flares for much of my life until menopause, I could keep my job and thus my insurance.  Still I started getting yearly colonoscopies in the late 1970s.    But over the years I saw my co pays for everything, meds, colonoscopies skyrocket.  It always irked me that I had to pay a larger copay for a colonoscopy than did my peers who all started getting them when we hit our fifties.  I always felt that the insurance companies were punishing me for something over which I had no control.  I was 15.  Did not smoke.  Had been exceptionally healthy up until then and now, compared to many my age, I am healthy.  I just need to keep on meds and get checked yearly.  
    NOW, I am on Medicare and for the first time I did not have to pay a co pay for the colonoscopy.  I am sure some will people might resent that.  But I figure over the thirty plus years of which I have had to do that yearly with average co pay for me over the last 15 or so being $200....well do the math, I have paid a lot.   Plus the copays for my meds.   And that was with insurance.  

    People who don't live with or have someone in their family/friend circle who have a chronic illness, often seem unaware of the costs; physically, emotionally and then financially.   I know I was lucky because on a blog for people with IBD (Crohns or UC)  I read how several people have lost their jobs due to their disease (absences) and then lose their insurance if they are not on another's insurance.  And those disease most often hit between the ages of 15 and 30 years old when education/careers are just starting.

    I really hope people pay attention.  We cannot afford to let the right destroy medicare or Obamacare. Many people like myself would be devastated financially.   And many young people would never get that chance to make a secure life for themselves as they would be in debt always due to medical issues.

    •  Absolutely! My 23-year old daughter was (2+ / 0-)
      Recommended by:
      plumbobb, barbwires

      diagnosed with ADHD at 6, depression at 12, Polycycstic Ovary Syndrome  at 17, and at 18 discovered to be dangerously hypothyroid with no functioning thyroid.

      What could she possibly have done to prevent any of this? Should she be doomed to a 2nd-class life for her genetics? That's what will happen if we go backwards.

      At least now she is on our insurance, and with the ACA will be able to get insurance when she ages off ours.

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