My problem is not under-insured or not insured. It is the cost of our insurance and that even though healthy, we are victims of rationing.We are business owners and have one 5 year old child. We buy insurance on the open market and have no way to get in a group. Just got our 2nd increase this year alone. $1,111.15 per month is what we pay. No dental or maternity. I know. Insane.
If I change insurance we’ll be subject to “pre-existing condition” limitations for any health condition we have experienced in our lives. So much for choice. What good is choice if my choosing another carrier means the couple of things I might need coverage for won’t be insured for at least a year.
My wife had a c-section with our first child. Our carrier won’t cover a c-section again. Apparently the ultimate pre-existing condition. Her OB can’t support her on a vaginal birth without risking losing his professional liability insurance. The ultimate in rationing. All true. All from the best insurer in our state. Blue Cross/Blue Shield.
How much higher is my policy going to go? It has risen $240 per month in just 3 years. What is going to stop them from dropping me if something serious happens to one of us? It just happened to some friends of ours. They can’t get insurance any more. They REALLY need it.
The free market has done a crap job of containing costs and providing/insuring that my family has the coverage we need. I am always told that we pay a higher price for RX’s because we don’t want to stiffle drug research. How is it fair that Americans should shoulder the whole burden. Other countries negotiate better pricing. Why can’t my insurer do the same? We should cover everyone elses end of this stick. We definitely get the sh*tty end of that one.
I keep hearing that we have the best health care sysytem in the world. OK. It still needs to get alot better in my book. The free market seems to be looking out for the interest of the free market. If they don’t start looking out form my interests, I’ll be looking for our government to make them.
