• About

Three Worlds One Vision

~ Guyana – Brazil – USA

Three Worlds One Vision

Tag Archives: COBRA

Navigating America’s Health Care System

10 Sunday Feb 2013

Posted by Rosaliene Bacchus in Family Life, United States

≈ 12 Comments

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

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.

Subscribe

  • RSS - Posts
  • RSS - Comments

Archives

  • March 2023
  • February 2023
  • January 2023
  • December 2022
  • November 2022
  • October 2022
  • September 2022
  • August 2022
  • July 2022
  • June 2022
  • May 2022
  • April 2022
  • March 2022
  • February 2022
  • January 2022
  • December 2021
  • November 2021
  • October 2021
  • September 2021
  • August 2021
  • July 2021
  • June 2021
  • May 2021
  • April 2021
  • March 2021
  • February 2021
  • January 2021
  • December 2020
  • November 2020
  • October 2020
  • September 2020
  • August 2020
  • July 2020
  • June 2020
  • May 2020
  • April 2020
  • March 2020
  • February 2020
  • January 2020
  • December 2019
  • November 2019
  • October 2019
  • September 2019
  • August 2019
  • July 2019
  • June 2019
  • May 2019
  • April 2019
  • March 2019
  • February 2019
  • January 2019
  • December 2018
  • November 2018
  • October 2018
  • September 2018
  • August 2018
  • July 2018
  • June 2018
  • May 2018
  • April 2018
  • March 2018
  • February 2018
  • January 2018
  • December 2017
  • November 2017
  • October 2017
  • September 2017
  • August 2017
  • July 2017
  • June 2017
  • May 2017
  • April 2017
  • March 2017
  • February 2017
  • January 2017
  • December 2016
  • November 2016
  • October 2016
  • September 2016
  • August 2016
  • July 2016
  • June 2016
  • May 2016
  • April 2016
  • March 2016
  • February 2016
  • January 2016
  • December 2015
  • November 2015
  • October 2015
  • September 2015
  • August 2015
  • July 2015
  • June 2015
  • May 2015
  • April 2015
  • March 2015
  • February 2015
  • January 2015
  • December 2014
  • November 2014
  • October 2014
  • September 2014
  • August 2014
  • July 2014
  • June 2014
  • May 2014
  • April 2014
  • March 2014
  • February 2014
  • January 2014
  • December 2013
  • November 2013
  • October 2013
  • September 2013
  • August 2013
  • July 2013
  • June 2013
  • May 2013
  • April 2013
  • March 2013
  • February 2013
  • January 2013
  • December 2012
  • November 2012
  • October 2012
  • September 2012
  • August 2012
  • July 2012
  • June 2012
  • May 2012
  • April 2012
  • March 2012
  • February 2012
  • January 2012
  • December 2011
  • November 2011
  • October 2011
  • September 2011
  • August 2011
  • July 2011

Categories

  • About Me
  • Anthropogenic Climate Disruption
  • Brazil
  • Economy and Finance
  • Education
  • Family Life
  • Festivals
  • Fiction
  • Guyana
  • Health Issues
  • Human Behavior
  • Immigrants
  • Leisure & Entertainment
  • Nature and the Environment
  • People
  • Philosophy
  • Poetry
  • Poetry by Rosaliene Bacchus
  • Poets & Writers
  • Recommended Reading
  • Relationships
  • Religion
  • Reviews – The Twisted Circle: A Novel by Rosaliene Bacchus
  • Reviews – Under the Tamarind Tree: A Novel by Rosaliene Bacchus
  • Save Our Children
  • Social Injustice
  • Technology
  • The Twisted Circle: A Novel by Rosaliene Bacchus
  • The Writer's Life
  • Uncategorized
  • Under the Tamarind Tree: A Novel by Rosaliene Bacchus
  • United States
  • Urban Violence
  • Website Updates
  • Women Issues
  • Working Life

Blogroll

  • Angela Consolo Mankiewicz
  • Caribbean Book Blog
  • Dan McNay
  • Dr. Gerald Stein
  • Foreign Policy Association
  • Guyanese Online
  • Writer's Digest
  • WritersMarket: Where & How to Sell What You Write

Meta

  • Register
  • Log in
  • Entries feed
  • Comments feed
  • WordPress.com

Enter your email address to subscribe to this blog and receive notifications of new posts by email.

Join 2,884 other subscribers

Create a free website or blog at WordPress.com.

Privacy & Cookies: This site uses cookies. By continuing to use this website, you agree to their use.
To find out more, including how to control cookies, see here: Cookie Policy
  • Follow Following
    • Three Worlds One Vision
    • Join 2,884 other followers
    • Already have a WordPress.com account? Log in now.
    • Three Worlds One Vision
    • Customize
    • Follow Following
    • Sign up
    • Log in
    • Report this content
    • View site in Reader
    • Manage subscriptions
    • Collapse this bar
 

Loading Comments...