The reason people have health insurance is to cover the costs they cannot afford. Since healthcare is rising so significantly, and a lot of it is due to downright waste, insurance companies are denying pre-existing conditions such as Diabetes.
If your employer does not offer insurance, and it is a myth that companies must offer it for full time employees- it is up to the employer’s discretion, you are stuck.
I have personally fought with insurance companies.
They tell me I will cost them too much, for what they get coming in per month from me. I said, “That’s garbage, because people pay into the system who are not using what they pay each month as a premium.” Same with car insurance.
It isn’t dollar for dollar with insurance and it never was, so why are they saying this now?
There was a time when health insurance wasn’t a big deal, almost every employer offered it. It was a deal breaker to get and keep good employees. Full benefits with health insurance, medical, dental, vision, and life insurance. Real pensions, not 401Ks.
People have been so groomed to think this current stuff is the norm.
Wake up folks, because even if you are sitting cozy with health insurance through your employer, the day will come when they don’t want diabetics that way anymore either. I cannot get Major medical coverage, I can get some BS basic coverage, which basically rips me off for my money, and covers no hospitalization or testing. If they give me $40 toward a doctor visit, you can see how much I have to pay for my visit. Labs will kill me. I already have about $50,000 in medical debt.
All of those people in the town meetings SHOULD be screaming, because National Healthcare isn’t going to give you much more.
People say Canada, France, or Sweden does it. Much smaller, more homogeneous populations. And you have to be born in Sweden to get their healthcare.
I have a pizza and I tell you I am going to feed 400 people with it. That is National Healthcare. They don’t have the money now for Medicaid and Medicare. This is how they will make it work. They will give you less and they will make you wait. You can count on that.
I have seen some docs going back to where they are accepting fees for services. More affordable, but not cheap, fees. Maybe the answer is to eliminate the middle man, the insurance companies or the government, who have no vested interest in your health. You know now, how insurance companies are managing your healthcare, not your doctor. Everything he does or orders has to be within their guidelines, not what he went to medical college and studied.
There are employers who do not want employees with pre-existing health problems, hence your pre-employment physical. And you thought that was because they want you to have good health. They do…but it is motivated by money, not concern for you.
There is one big frying pan now, the insurance payer plan now, and another frying pan, the government healthcare.
Don’t let the government intimidate you. Get mad. It is your right, and your duty as an American citizen to make them do what is right. Don’t let the media tell you that you are wrong for yelling. Yell. Get mad. You only have one life. This your nation, and you pay taxes. This isn’t about being nice.
There is another answer. More competition. Stop the insurance companies from discriminating against diabetics. Like one told me, “We can’t insure people who didn’t take care of themselves.” Such ignorance about diabetes. I said that a lot of us take good care of ourselves and I was told they have make decisions based on all the people who don’t take care of themselves. One size fits all. Just like you pay more because some drivers in your area drive like madmen.
One size fits all.
There has to be a way to be better than that.