Tags
COBRA, Health Insurance Exchanges, Medicaid, Obamacare, Patient Protection and Affordable Care Act, Preventive healthcare, Uninsured Americans, Venice Family Clinic
Venice Family Clinic – West Los Angeles – Southern California
Source: http://www.palisadespost.com
Some years ago while waiting for a bus, I chatted with a white American woman, somewhere in her fifties, suffering from chronic back pain. I knew that kind of pain. Her four cats were her companions and solace.
“Can’t you get treatment,” I asked her.
She cringed. “It’s expensive.”
“What about health insurance?”
“None since I lost my job.” She shifted her weight.
When the bus arrived, she struggled to her feet and, with her body twisted to one side, hobbled with her walking stick towards the bus.
At the time, I was among 147.6 million people under 65 years of age who got health insurance through their employer (Health, United States, 2011). I knew nothing about America’s healthcare system to help the lady find relief from her pain.
For six months after leaving my job in retail to start my sole-proprietor service provider business, I continued to receive health insurance coverage through my former employer’s group plan. Under the COBRA program, my monthly premium also included my former employer’s share. What a shock to see my first COBRA invoice for over $300 a month!
During that period, I faced the challenge of people over fifty in obtaining individual health insurance coverage. Following the advice of a health insurance agent, I joined an association of self-employed and sole-proprietor business owners that offered, among other services, a group healthcare plan. In spite of my membership, which came with a monthly $150 fee, the health insurance company affiliated with the association rejected my health insurance application for “pre-existing conditions.”
The loss of health insurance coverage kept me awake at nights. I had fallen into a grave with 48.6 million other uninsured individuals (Health, United States, 2011). A neighbor working in healthcare advised me to apply for Medicaid – a health program for low-income individuals and families funded by state and federal governments. I rejected her advice: foolish pride.
Through an online search for affordable medical clinics, I found the Venice Family Clinic that provides free healthcare services, funded and operated by generous donors and volunteers. I rejoiced when I qualified to receive preventive healthcare at the clinic: lessons in humility. The kind and attentive female doctor, assigned to my care, calmed my fears.
In March 2010 when President Obama passed the Patient Protection and Affordable Care Act, known as Obamacare, I had renewed hopes of obtaining healthcare insurance coverage. The end of discrimination against or charging higher rates for pre-existing medical conditions – presently over $500 a month – does not go into effect until January 2014. Health Insurance Exchanges – government-regulated and standardized health care plans at affordable premiums for low-income workers – will only become operational in January 2014.
I have to wait. I cannot afford to get sick or injured. When Death comes, I ask the gods to take me quietly in the night.
Did the lady with the four cats find relief from her chronic back pain, I wonder. Our paths never crossed again.
Rosaliene thanks for sharing about what’s going on with health care in such a informatory and easy reading.
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Thanks, Heny.
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Reblogged this on Guyanese Online and commented:
Thanks again to Rosaliene for another of her blog entries. Visit her site for more.
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Thanks for your support, Cyril.
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In UK we have free health care from cradle to grave…but it comes at a price…
10% paid by employers on income and 10% paid by employees.
NHS (national health service) is funded by NIS (national insurance contributions)
by both employers and employees….everyone receives free health care.
In addition there are “private” health insurance for those who wish additional
care and can afford it.
OBAMA will obviously be aiming to match or even better this but it will not come cheap…someone has to pay for it…directly or indirectly.
UK nationals who also reside in EUROPE are covered by a reciprocal arrangement…
I receive free health care in SPAIN…and most other members of the EUROPEAN
COMMUNITY.
Of course there is still a small fee charged for prescriptions with exemptions for those unemployed or needing repeated prescriptions…. these benefits are being fine tuned to accommodate future improvements/anomolies.
lets hope AMERICA goes from “greedy” capitalism to one with a “conscience”
along the lines of UK EURO…only time will tell…
forever the optimist
kamptan
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Thanks for sharing, Kamptan. It would be great to have a public healthcare system like the one you enjoy in the UK. It makes such a difference in our lives when we can get help for ourselves and our family in times of sickness.
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Rosaliene
with all the advancements in science and technology it is much easier to achieve this
today…A lot is “wasted” in UK because of “mismanagement” by health officials…
Now more emphasis is on DOCTORS and HEALTH workers to deliver the best service at a more affordable/competitive price…without loss of service…it is not easy.
Training and development of health workers is very costly also and the technology
is becoming so advanced that proper training is essential.
Get it wrong and it becomes too costly to deliver.
kamptan
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A terrible truth. Two Americas, as John Edwards said.
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Thanks for reading my article, Dr. Stein. Yes, John Edwards knew well what he was talking about. We live and learn, and hopefully grow with each defeat.
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Universal health care is a major concern of mine and the lack of it a disgrace on my country – the US remains the only civilized nation not to provide for its citizens in this way – if not this way, how? The words remain meaningful: INSURANCE, as in businesses, rather than, HEALTHCARE.as in people, is still touted – misplaced emphasis
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Angela, thanks for reading and sharing your thoughts on this issue.
Whether we call it insurance or healthcare, maintaining our physical and mental well-being is very profitable business for the corporations in the health industry.
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Yes, it is a profitable business regardless but words are important for what they convey and what we can be coerced into believing: insurance is big business, only; healthcare is healthcare – at least for a while longer.
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