Tag Archives: Affordable Care Act

Affordable Care Act Again

OK Here we go again with the Affordable Care Act. I still don’t see why this is such a hard decision for anyone and of course I’m biased. This act will help me out. According to the article I just read 77% of young people are agreeing that health care is important. I used to be a young just out of high school kid. I was indestructible. Well aside from being a type 1 diabetic. I believe that this plan will make things better for everyone from hospitals and doctors all the way to Billy Bob and his kids. I went through this once a while back but in case someone missed it here it is again. OK right now here in Nebraska if you don’t have insurance and you can’t afford to visit Doctor So and So, you have one choice left. You go to the Emergency room. If it is life threatening and/or your pregnant, they have to treat you regardless of your ability to pay. I was forced to go to the ER and ended with the bill. A simple stop in and check blood sugar and pulse was worth a little over $400. There was no adjusting the pump settings, no CAT scan, the second time I wasn’t even seen by a doctor, just a nurse practitioner. Nor was there any need for it. My endoconologist is all over this issue. She has been since I started this process. Was she notified of the incident? Yes she was. Was the data downloaded to her? Yes it was. Were changes made? Yes the were. Here’s were it gets weird. That $400 bill I paid wasn’t just for me but also for any one who stopped in because they didn’t have insurance to go to a regular doctor’s office. A long time ago I had just started a job and got into an accident with my own car in the garage. 4 1/2 hours and $275 later I was told everything was fine. Since I had just started my job (second week) I had no insurance and no money saved back to pay. The hospital worked with me and allowed me use what was back then called a slush fund to pay. How do you think that slush fund got there. This last weekend my mother had to go to the ER and there was a constant flow of people in and out. I just had to wonder how many had coverage and how many did not. The bottom line for me is that the people fighting the getting of insurance are the ones that for whatever reason don’t think they need any. That is until they end up in a car wreck that maybe will cover the injuries under the medical side of the auto insurance. There is no such thing as a planned accident and you never know when they will happen. Made they should look at changing the policy at the ER. If your not covered you don’t get treated. It would remove the last option for someone who feels they don’t need to get insurance because it is an unneeded expense. There you go no coverage no treatment. OK enough of hashing an old issue. Until next time.

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Insurance

I can not wait until Obamacare kicks in next year. Diabetic care is expensive very expensive. Each month just the medication I need for proper care is astronomical. I have been given company programs to cut out of pocket expenses but it is still a lot of money. Let’s add this up. With the discount just the insulin is $42-$43 every 8 days roughly which comes out to about $129-$179 for the insulin. Once I am out of the reservoirs and infusion sets those I am told will be about $170 a month. Pump payments will be about $131 a month onceĀ I can afford to make them. Putting all that together brings the monthly total to $430 a month on the low side. This is just the medication and pump supplies / cost. Without the discount the insulin jumps to $112 per bottle or $336-$448 per month. Wow. Figure that cost out. I applied for a second insurance policy but was denied. I’m sure it was because of my medical history. Torn cartilage in the shoulder, hyper extended knee, and last but not least cysts on my neck that required two separate surgeries, years apart, to remove. Yes medical mess here. Once the Affordable Care Act kicks in I will be able to either get a policy that has co-pays for medication or get one through my employer. The other upgrade is Dr. visits. Right now they pay $70 of a $167 Dr. bill. I miss the $20 co-pays and later $50 co-pays for visits. I make too much money to get any assistance from the government. I just don’t see how a person can live off $11, 490 a year. Wow. I must be doing something wrong if at $23,000 a year I am finding it really hard to make ends meet. I know it is a huge controversy with the Affordable Care Act but I still think having everyone covered with some form of insurance is a very good thing. Cost will start going down once everyone gets used to no one having to go to the ER and get free care because they lack insurance for a real Dr. visit. OK so much for this week Anyone have a comment? Haven’t heard from anyone yet.