The Public Health Insurance Option – It’s a Must Have in Health Care Reform

The Public Health Insurance Option – It’s a Must Have in Health Care Reform

I have been insured and I have been uninsured. I have lived both worlds, and I know what it is like to have to grief about getting sick. Too many Americans live their daily lives scared about getting sick because they do not know how they will financially be able to handle such an event. We must provide an option for those who are not able to win health insurance privately or through their employer. There are nearly 50 million uninsured Americans according to the US Census Bureau, and likely millions more who are not being counted.

My family never had mighty money. My mother and stepfather raised me, and we never had health insurance throughout my life. My mother worked as a self employed housekeeper, and my stepfather worked in construction. Normally the pickle was that they made “too powerful money” to qualify for Medicare, and not enough money to be able to afford health insurance through a private company. Neither of those occupations offered health insurance, and we could never afford to acquire insurance privately. I did manage to regain on SCHIP (Spot Children’s Health Insurance Program), which in Georgia is called Peachcare, as a teenager when my parents lost some of their income. This is one of the few times in my life that I had the serve of being insured, and that was thanks to the government. Unfortunately at the age of 19 I was booted from SCHIP.

It was shortly after I was booted from SCHIP that I suffered a major car accident. I was driving to work from college in the rain and hydroplaned. My truck spun out of control on the highway and I went into the oncoming lane of traffic. A semi-truck side swiped me and demolished my vehicle. I was taken to the emergency room by ambulance. Luckily everything turned out OK (except for the fact that I had no vehicle as I could only afford liability automotive insurance, and had no health insurance either). The medical bills accumulated in my mailbox daily. I never knew until that time how great the costs of medical services truly were. When I discovered that my short ambulance dart was going to cost me nearly $800, I was astonished. I racked up over $5,000 in medical bills, and there was no device I could pay them. Health care reform opponents might exclaim you that I did in fact receive “free health care” as I never paid those medical bills. However, as most rational people know – those services were not free – not to me and not to you. My credit was ruined at the age of 19. I was working hard and paying my contrivance through college, and I could not even accumulate a itsy-bitsy loan for a conventional car to replace the one that was totaled.

I was lucky enough later on in college to land a profitable management residence in California and derive health insurance through my employer. Unfortunately due to the economic recession my company sold and I was laid off four years later, and found myself uninsured again. I did not qualify for COBRA extension insurance because I moved out-of-state encourage to where my family was which was considered “out-of-network” (this was critical for me to be able to pause afloat). I’m now working again, and have access to health insurance, but the point is that many Americans net themselves in my same plot, for mighty longer. What does a 19 year stale with crude income parents (who works and puts him/herself through college) do when they fetch sick? They do what I did; they go to our emergency rooms and rack up debt that will haunt them for years to arrive. Debt that also contributes to the skyrocketing costs of our health care system. Debt that will be passed along to those who are lucky enough to have insurance, raising their premiums and lowering their standard of care.

Sometimes even the “insured” bag themselves without many options. High deductible health insurance plans leave many individuals paying thousands of dollars out of pocket before their insurance kicks in. Often the insured accept that clear procedures aren’t covered under their insurance policies because they had positive “pre-existing” conditions making them ineligible. The health insurance companies have one thing in mind – and that is profits. I do understand the reservations some have in allowing the government to bustle another program. However, we all know greed is what has gotten us to where we are today – and the only option we have at this point is to force competition upon the health insurance industry.

The “public option” is distinguished to achieving steady health care reform. Imagine 50,000,000 people with the opportunity to buy health insurance at affordable rates. Unbiased imagine those 50,000,000 people not crowding our emergency rooms with minor ailments because many doctor’s offices will not steal uninsured patients. Imagine the billions of dollars in savings yearly from the reduction of unpaid medical bills. We may not have to imagine great longer. If having a government-run “public” insurance option has ever been a possibility, it is now. President Barack Obama has vowed his benefit for a public option, as have many Democrats in Congress. Of course, the health care industry is spreading misinformation and trying to extinguish the public option. Of course some Democrats are leaning toward settling for watered down reform, and most Republicans will not vote for health care reform no matter what is in the package. It is now up to the people. The people must request exact health care reform, and that means demanding the public option.

I have been insured and I have been uninsured. I have lived both worlds, and I know what it is like to have to trouble about getting sick. Too many Americans live their daily lives shy about getting sick because they do not know how they will financially be able to handle such an event. We must provide an option for those who are not able to gain health insurance privately or through their employer. There are nearly 50 million uninsured Americans according to the US Census Bureau, and likely millions more who are not being counted.

My family never had considerable money. My mother and stepfather raised me, and we never had health insurance throughout my life. My mother worked as a self employed housekeeper, and my stepfather worked in construction. Normally the spot was that they made “too powerful money” to qualify for Medicare, and not enough money to be able to afford health insurance through a private company. Neither of those occupations offered health insurance, and we could never afford to take insurance privately. I did manage to accept on SCHIP (Residence Children’s Health Insurance Program), which in Georgia is called Peachcare, as a teenager when my parents lost some of their income. This is one of the few times in my life that I had the serve of being insured, and that was thanks to the government. Unfortunately at the age of 19 I was booted from SCHIP.

It was shortly after I was booted from SCHIP that I suffered a major car accident. I was driving to work from college in the rain and hydroplaned. My truck spun out of control on the highway and I went into the oncoming lane of traffic. A semi-truck side swiped me and demolished my vehicle. I was taken to the emergency room by ambulance. Luckily everything turned out OK (except for the fact that I had no vehicle as I could only afford liability automotive insurance, and had no health insurance either). The medical bills accumulated in my mailbox daily. I never knew until that time how grand the costs of medical services truly were. When I discovered that my short ambulance dart was going to cost me nearly $800, I was astonished. I racked up over $5,000 in medical bills, and there was no scheme I could pay them. Health care reform opponents might divulge you that I did in fact receive “free health care” as I never paid those medical bills. However, as most rational people know – those services were not free – not to me and not to you. My credit was ruined at the age of 19. I was working hard and paying my arrangement through college, and I could not even win a miniature loan for a dilapidated car to replace the one that was totaled.

I was lucky enough later on in college to land a worthy management set in California and rep health insurance through my employer. Unfortunately due to the economic recession my company sold and I was laid off four years later, and found myself uninsured again. I did not qualify for COBRA extension insurance because I moved out-of-state attend to where my family was which was considered “out-of-network” (this was distinguished for me to be able to stop afloat). I’m now working again, and have access to health insurance, but the point is that many Americans obtain themselves in my same location, for powerful longer. What does a 19 year musty with obscene income parents (who works and puts him/herself through college) do when they net sick? They do what I did; they go to our emergency rooms and rack up debt that will haunt them for years to advance. Debt that also contributes to the skyrocketing costs of our health care system. Debt that will be passed along to those who are lucky enough to have insurance, raising their premiums and lowering their standard of care.

Sometimes even the “insured” secure themselves without many options. High deductible health insurance plans leave many individuals paying thousands of dollars out of pocket before their insurance kicks in. Often the insured net that clear procedures aren’t covered under their insurance policies because they had sure “pre-existing” conditions making them ineligible. The health insurance companies have one thing in mind – and that is profits. I do understand the reservations some have in allowing the government to rush another program. However, we all know greed is what has gotten us to where we are today – and the only option we have at this point is to force competition upon the health insurance industry.

The “public option” is critical to achieving dependable health care reform. Imagine 50,000,000 people with the opportunity to buy health insurance at affordable rates. Impartial imagine those 50,000,000 people not crowding our emergency rooms with minor ailments because many doctor’s offices will not steal uninsured patients. Imagine the billions of dollars in savings yearly from the reduction of unpaid medical bills. We may not have to imagine noteworthy longer. If having a government-run “public” insurance option has ever been a possibility, it is now. President Barack Obama has vowed his serve for a public option, as have many Democrats in Congress. Of course, the health care industry is spreading misinformation and trying to ruin the public option. Of course some Democrats are leaning toward settling for watered down reform, and most Republicans will not vote for health care reform no matter what is in the package. It is now up to the people. The people must ask actual health care reform, and that means demanding the public option.

Tagged with: family health insurance plans • Health Insurance Plans • Individual Health Insurance Plans • personal health insurance plans

Filed under: Health Insurance Plans

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