I am not one to blog much about politics but last night the Senate approved the health care reform bill. Jeff and I stayed awake past our bedtime on a school night tuned into C-Span. We have more than the average family at stake when it comes to pre-existing conditions and insurance premiums. Passing the health care reform is personal.
Our current situation with health care is grim. Our underdog, our little fighter, our son, our precious miracle,CJ has to stay with his current policy because Celiac disease is a pre-existing condition that prevents us from switching policies or carriers. Our premiums went up 27% in 2008, and another 35% in 2009 bringing our monthly nut to $1045 for a plan with decent benefits and a $2500 deductible. Our renewal is in May and guess what? YUP, another 39% increase over last year. It is outrageous.
Jeff and the other kids are on a similar plan with a higher deductible, and a much lower premium. They were able to shop around when the increases hit us because they do not have any health care red flags. Ideally, CJand I would like to be on Jeff's policy but, they won't accept us because of the Celiac diagnosis.
Factor this crap into the future if you will. In order for CJ to have health insurance we are forced to be taken advantage of by our provider, because we CAN NOT SWITCH. Our entire bank account could be drained if G-d forbid he got sick or had a problem without insurance at all. Just look at this face,we simply can't be in a situation where we are denied access to the Cleveland Clinic for him. We won't.
Celiac is an auto-immune disease and while he is considered in remission while CJ maintains a gluten free diet, it is scary to think about the long term cost of getting coverage. We have been willing to pay all the enormous increases over the last few years because, WE HAD TO. We did not have a choice in the matter. Unlike the Duggar family, we do not have the folks at TLC to bail us out if we are under-insured and face a medical crisis. We are willing to pay our premiums for the fear of the unknown.
I lose sleep worrying about this stuff. Aside from the actual financial premiums and costs there is also the risk that we could get cancelled. Then what? We would be totally screwed. How could be do anything irresponible to this sweet faced,innocent guy? So, like we have done for the last three years, we suck it up and write the check to the thieves at our current carrier.
You can imagine why we are excited and a bit scared about government run health care. We are delighted to hear about the revisions with regard to pre-existing conditions. We are hopeful that these reforms will have a positive affect on us as a family. I do not have to stay awake at night praying that CJ will stay in remissionand continue to be this cute, curious, curly topped boy who has health insurance. He'll be able to get coverage with all of us, on one plan, with one premium and deductible.
I know the changes will take time, but it is great to know that our future is not being held hostage by our health care insurance. In honor of the passing of the health care reform bill, CJ colored some pictures and we wrote a personal thank you note for Barack Obama. We mailed them today, and when we get invited to the White House, you can come with us.
This is how much Health Care Reform means to me. It is for CJ. Thank you.
- ► 2011 (275)
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- Field Trip #414
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