Saturday, August 22, 2009

Why are republicans opposed to giving me a chance to see a doctor?

I'm sorry, but I'm feeling very frustrated today. I've recently had several discussions with some friends of mine that are very upset at the prospect of everybody in this country having access to healthcare. These friends are republicans and they are so opposed to any health care reform (although they can't explain clearly why), that they almost feel it would be better for everyone to commit suicide if such reform actually happened.

I let them talk and go on about how terrible it will all be if everyone had access to health care and that it will mess up "our" insurance and "our" treatment. They didn't know I wasn't covered by health insurance. As I listened, the main theme of their argument was boiled down to this concept: My insurance is great and I don't want it messed up by making health care available to ALL.

When I finally took my turn in the conversation, I said, "You know, I have been self employed for 17 years and have always simply had to buy my own insurance. 17 years ago it was $325/month to cover my family. Unfortunately, I had to drop it when my original plan finally reached almost $2,000/month, yes $2,000/month." Funny how they sort of got quiet after that. I went on to tell them that I have Type 2 diabetes and currently take Metformin to control it. Because of that diagnosis on my record, I am now uninsurable...that is to say I would be turned down by any policy I would apply for, and in fact I have been. The recession has clipped my earnings by 70% over the last 2 years and my health insurance had to go... in my case it literally was a choice between food and lodging and health insurance. So I explained to them that my prescription for Metformin runs out in 3 months and I have no insurance or money to go see a doctor to get it refilled. I called my doctor to try to see if they would refill it for me over the phone... no they would not, I would have to come in for an appointment which is a minimum $150-$200 plus blood work before she would refill it. Guess what, I do not have that kind of spare money now so when my prescription runs out, I can't get it refilled unless they wanted to loan me the money. They weren't interested. I told them my 12 year old daughter is now not covered because dad can't afford it.

I said the only way now for me to get any shot at getting health insurance is to try and find a full time job that offered it because group plans can't discriminate when it comes to pre-existing conditions. Which is one major reason I have enrolled to go back to school to get a job actually IN the health care industry. Neither can the Oregon Medical Insurance Pool which is the plan for indigent and uninsurable people and guess what that plan runs for my family... over $700/month. Affordable? Get real. There is still NO allocation for $700/month in my financial situation to afford that.

So I asked my friends, who were now pretty quiet in their arguments, what the republican party should do about health care reform. They didn't have a single answer. Because I believe that party is basically only thinking of themselves, who are the "haves" and they do not want to help out the "have nots". It's interesting because for many years I was in the "haves" groups myself, flying high with a 6 figure income, but life looks really different when you are living on the side of the argument for real and the health care argument is no longer a discussion in theology but a real life situation that you live in every day, and becomes real when the medication you used to be able to take is now taken away from you because of lack of coverage. Life looks really different on the other side.

Please, republicans or democrats, please pass a plan that would allow me to go out tomorrow and get health coverage for me and my family that I can afford that won't exclude me because of a pre-existing condition.

4 comments:

Anonymous said...

Did it ever occur to you that many of us Republicans would love to quit our jobs, go back to school, have the government pay for it, and whine that they aren't also paying for our health care? What makes you entitled to a "life journey" on tax payer money? What about our "life journey?" Oh...wait, that's to fund your second education and possibly your health care. Got it.

Dan said...

Thanks for the comment.

I think the difference here is that you are saying you "have jobs" and "have insurance." Now if you lost your job somehow I have no problem with my taxes going to help retrain you, it's only fair.

If you want to retrain, go ahead and quit your job and then fill out the FAFSA form. Unless you make over $100,000 year I'm willing to be you will get some help. It's available to all.

I didn't quit my job as a luxury just to go back to school BTW. The economy of the last 3 years sunk my business of 17 years. I went from 6 figures to the low 5 figures. School grants have always been there regardless of the administration in power for all who need it so I'm not sure why you are frustrated about that with me.

What frustrates me about health insurance, is that republications aren't offering any plan, they just want to fight any meaningful change (keyword meaningful). I'm OK if anyone wants to fight a plan, but at least come to the table with good offering as well. Orin Hatch said today that they will fight the Senate plan, but also admits they don't have one themselves.

Anonymous said...

Me Again. I don't have a traditional job, I am self-employed. My business has also suffered a downward trend. However, I have saved and have assets - therefore I do not qualify for federal education assistance or unemployment. I have to pay for my own health insurance and that of my daughter. If I decided to stop working, I would be unable to pay for that and also unable to pay for my daughter's tuition.

My frustration is this - at some point you run out of the other person's money. You did not lose your job - you just decided you wanted to do something else. We cannot all dip into the federal tax pot indefinitely. Welfare is supposed to be a social safety net, not something exploited to explore a life journey. Federal tuition assistance is welfare.

With regard to medical insurance, you certainly seem to be a smart guy. I find it hard to believe that you could not find employment that would provide you with health insurance benefits. Granted, it wouldn't necessarily be your chosen profession - but get over it. There are many of us out there doing what we need to do to support ourselves and our families.

I have enough to pay for without funding your situation. That's my frustration. The entitlement mentality that is endemic in our society. You don't need to be retrained, you already are trained. If you want to do something else, do it part time in the evenings (any pay for it yourself)...which by the way is how I obtained my degree while raising a child on my own.

You claim that you can't come up with $200 to visit your doctor, yet you say you live in a luxurious home? Do you consider it your right and entitlement to put your money toward your home instead of paying for a doctors visit that might prevent an ER visit paid for by others?

Or am I also paying for your luxurious home through a home modification loan?

Seriously, think about what you are teaching your children about personal responsibility. You have a family - you are not entitled to explore a "life journey" at this point - you have other responsibilities. The rest of us don't want to shoulder them for you.

Dan said...

You know, after careful consideration you do have a point... and I mean that. I have talked with a number of people I respect and I feel that it is a little bit selfish and potentially ethically and morally wrong for me to be taking educational financial aid to go back to school and retrain for a career in radiography.

I have lost my business and my income true, but financial aid should be used for those who really need it like those who are going to school for the first time. I am making "almost" $29,000/year but that is a LOT better than many who want an education. Even though I qualify for financial aid now, you are right, it is welfare and it is wrong for me to accept it and try to do anything else at this point in my life.

After your comments and consultation I have decided that the right thing...the moral thing is to quit school. I have to wait until this term is over which is another 2 weeks, but I can't morally live with myself continuing on with college when I already know how to do something, which is computer programming. I have no degree in programming or any education in it as I am self taught, but that shouldn't be a problem, trying to find a job should it? I will try to repay back the grants that were provided for this term. It'll be tough but I'll get it done.

As far as health insurance, again you are probably right. Health care is a priviledge and not a right. If I can't afford to drive a Mercedes Benz I shouldn't expect to have someone pay for me to drive one. If I can't afford health insurance, I just need to buck up and learn to live without it.

Sometimes words of wisdom float in upon the wings of anonymous butterflies.

Thanks, mate.