After I took one semester off teaching to give birth to Phoebe, I lost my health insurance. Since I am a part-time teacher, my insurance eligibility depends on how many hours I teach, and missing those few months made me fall below the minimum amount of hours needed to get on the group plan. I paid for cobra for several months, but it was nearly $600 per month for me alone, and we just couldn't afford it.
Todd, who is self-employed, hasn't has health insurance since he started his own business several years ago. The high costs have just made it something that we can not afford.
The kids are on plans, but Todd and I have just been focused on preventative care and paying any health needs (like for my asthma medications) out of pocket. However, a few weeks ago, Todd and I decided that we should really get on a health insurance plan. So, we got online and filled out an application for a family insurance plan.
Two days later we each got a letter in the mail, and each of us was separately denied for coverage. Todd, who was in a car accident in January, is currently being treated by chiropractors, acupuncturists, and massage therapists... and his entire treatment is (and will be) covered by personal injury protection through our car insurance. We even submitted a note on our application stating that we would not be seeking coverage for anything related to his accident. DENIED.
I have asthma, which I have had my whole life, and I do have to take medication for it. Additionally, the application asked if I had ever had any miscarriages. I reported honestly, and said that I had had 2, both of which I waited out and did not seek any treatment for. I also included a note that said that we are not planning on having any more children, so the fact that we have previously had 2 miscarriages is irrelevant because we have no plans to try and conceive again. My letter stated that I had been denied coverage because of multiple miscarriages and asthma. DENIED.
So, what are people, like me, supposed to do? The cost of health care is astronomical as it is, but to have health insurance, you must have a job that offers it to you. Otherwise, asthma, miscarriages, car accidents- these things that can happen to anyone, make you un-insurable. So, if my family decides that health insurance is something that we need, one of us would have to quit our jobs and take a job (if we could get hired) at a big corporation that would offer us an insurance plan.
How can the simple act of having health care be such a stressful situation? I exercise, eat well, and take care of my body, yet I am not insurable. So, for now, my hubby and I have our fingers crossed that we will stay relatively healthy and that nothing major will happen to either of us. It is a tough game of chance to play, but what choice do we have?
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