Saturday, March 24, 2012
"Over Usage" of Medical Insurance?
I just popped over to one of my favorit blogs, the link is in my right side menu, Our Place Called Home. Her families medical insurance premiums have doubled every year for the past five years. Yes, they have adopted several children with medical needs, but once the insurance is purchased, how can they raise it due to medical conditions that come up? Medical insurance, I thought, if for when we are sick and need medical care. Why then, after we get sick and use it, does the rate go up? What in the world are we buying it for in the first place? Now, this family is afraid their insurance company will drop them. Can they really do that?
I am perfectly healthy. I have had insurance for five years. In that time, I've had 2 pap tests, 2 dermatology visits, the second because the first one's doctor froze off a pimple instead of a "pre-cancerous" spot, and I had one throat culture. My premium is now at $225 per month, just for me. I pay for Jie Jie, too. It has gone up every year since I turned 40. In Dec. 2009, I ignorantly down-graded my policy, because, as a new home owner, I couldn't afford the rate increase that was starting Jan. 2010. Now I wish I'd never done that, but it's too late now. I have a large deductible and out-of-pocket maximum. Drugs are not covered and neither is durable medical equipment, though the equipment is after I meet the deductible.
I could quit Kaiser and qualify for a great free county program, but I can't because in order to adopt, one must show proof of insurance. If Kaiser could adjust their system to be able to bill the county (they can bill the state, but not the county) then I could get this free program. The first thing the social worker told me when I originally inquired about this program was that I should move to Sweden. The second bit of advice was to ditch Kaiser, which, or course, isn't an option!
How did the United States get so broken? Why can illegal immigrants get federal grants to attend our universities? Why does my school district feed any child under 18 breakfast and/or lunch during the summer regardless of their parents' income? Why do I have to pay for that? Why do students on federal or state food aid have to take the milk and food even if all they do is throw it away? Why is it illegal for them to give another person that food or milk? The janitor at my aunt's school in from Germany. He said hundreds of unopened milk cartons get thrown away EVERY DAY!
Our children come to us from China malnourished and we all know how we feel about that. How do you feel about children in the United States of America throwing away milk in clean unopened cartons that you are buying for them with the money you pay in taxes? Why can't those cartons be saved for the next day or donated or given to others?
I know I've ranted and ranted lately. I know I need to let it go, but I'm afraid to do it. You see, if we all let it go, it will never be fixed. Who is going to fix these enormous problems? Who is going to stand up for what is right?