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View Diary: NJ Gets It! Universal Care For Children Begins Jan. 1 (24 comments)

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  •  Awesome (4+ / 0-)

    Everything helps!

    Here is part of a letter I will be sending to the candidates about health care needs unique to older children graduating from H.S.  I haven't heard candidates address this unique age group except to assume that they are health and will not opt for insurance.  No mention of those who can't get it and really need it.  If anyone has info about candidates addressing this age group I would love to hear it.

    EXAMPLES OF DIFFICULT SITUATIONS OF YOUNG PEOPLE (AFTER HIGH SCHOOL) WHO’S PARENTS DO HAVE INSURANCE:Parents whose children had/have cancer, liver disease or any number of complicated medical conditions may have not thrived in high school and may certainly not be ready to go to college.  Employment that insures the individual is generally out of the question.  

    Here are examples of how complicated this can get:
    • A family that continued to register the child for college classes as she died of brain cancer so that she could be insured.
    • A family that sent their child to college after finding that she had a mass on her pituitary gland.  The watch and wait period included a medication that could result in severe side effects.  The child could not wait a semester while the diagnoses and medication side effects were evaluated or her insurance may discontinue.
    • A family whose child was injured in a serious car accident ...they feared they might have to sign him up for on-line classes while he recovered.  
    • A family whose daughter had chronic back pain through high school that required many doctor visits before determining the summer after her senior year that surgery was needed.

    • Many parents of children with ADD or other such challenges live in great fear that the child will or may not be able to continue on to school and will lose all health insurance while they navigate the first years of adulthood.

    • Many serious mental health issues surface in this age group.  However, treatment is limited if the insurance is contingent on the ability to go and remain in college.

    COBRA has it's limitations due to expense and time.  In addition, if the COBRA co. changes it's coverage a person (even at $600 monthly) may not be able to see the doctors their current doctors.

    EXAMPLES OF YOUNG PEOPLE WITH PARENTS WHO HAVE NO INSURANCE:
    • A student with asthma whose emergency room visit did not stabilize her asthma but the costs of the visit and the disease resulted in withdrawing from college
    • A football player with shoulder injuries who cannot continue playing football as the parents do not have the insurance for the necessary surgery
    • A student dropped from parents insurance because of childhood depression, struggling through college while not adequately treated for depression and ADD and the like.
    • A student who cannot afford antibiotics for sinus infections losing energy and enthusiasm for their education.
    • A student with long standing ear problems that haven’t been helped by primary treatment but cannot afford to see an ENT.

    •  Great Letter (3+ / 0-)
      Recommended by:
      alizard, cfk, astoundedstill

      I posted from a totally personal point of view, but you have summed up the broad policy issue I should have addressed (and would have when I've calmed down).  I don't know how we can run overseas waving our flag in the faces of the civilized countries when we tolerate this at home.  No wonder they are laughing at us.  

      The situations you describe have to be shoved in the face of every candidate at every opportunity.  The only thing of equal importance is the war - and there are people out there joining the military because of the insurance.  

      Mental health treatment is essential.  People who can't get treatment tend to self medicate.  The public health problem this causes is immeasurable.  

      •  So true (5+ / 0-)
        Recommended by:
        exNYinTX, alizard, cfk, Fungible Chattel, mayim

        It doesn't make sense to me that insurance and health care is dependent on employment status.  No wonder people between 20 and 30 are the most underinsured group.  This is probably the largest group of people with employment that doesn't have insurance options.

        Also, this type of policy stunts the talent in the country as people are afraid to change jobs, go back to school, or leave a job that isn't a good match as health care is so necessary.

        In addition, we are in a new world.  People don't work for the same employer for 30 years anymore.  This results in employment gaps and consequently health care gaps.

        It is really scary.

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