I am pleased as punch that the health care legislation bill passed. Is it perfect? No. Does it do everything I could’ve hoped for, as quickly as I would’ve liked? Again, no. But it does a great deal that will help a large number of people. And, it helps my family right out of the gate.*
Once everything is finalized, I no longer have to worry about my insurance company dropping me, or any of my family members, for either having a chronic condition (among the 4 of us we have a few of them) or developing one.
Once everything is finalized, I can carry my girls on my policy until they are 26. As it becomes harder, with rising tuition costs often necessitating students to go to school only part-time so they can work, for young adults to finish school in 4 years alone this alone is a blessing.
Once everything is finalized, my father will see the Medicare doughnut hole he lives in fear of every year gradually diminish and disappear by 2020. And, as of 2011 he will have better access to preventative care as well.
Once everything is finalized, and come 2014, I will have more options insofar as finding insurance for my family. Hopefully, with more competition (and more people in each insurance pool) this will also see premium costs decrease.
Once everything is finalized, and come 2014, I will be able to receive tax credits to make sure that we do not spend more than 9.5% of our total annual income on insurance premiums (currently we pay closer to 20% ). Additionally, there will be caps on out-of-pocket costs for deductibles and co-payments. This eliminates the frustration of paying so much in premiums, and having such high co-pays, that you can’t afford to use the health insurance you do have.
Once everything is finalized, and come 2014, I will no longer have to worry about annual or lifetime benefit caps on my coverage. As a family with multiple chronic health issues, and the ever present possibility (for us or any family) of a catastrophic illness or injury, it’s good to have one less thing to worry about.
I’ve heard the rhetoric, and read some of the supposedly scary snippets from the bill. But, when you go and read the bill itself and find the snippet in context you realize that there is really nothing to be scared of.
Hospitals and Doctors will be accountable for preventable re-admissions, or other complications. Isn’t that how it should be?
My insurance company is required to pay for me to have an end-of-life consultation with my Doctor. My doctor is required to give me all the information, and access to resources, that I need. Isn’t that a good thing?
My insurance company not only has to pay for traditional mental health services, but marriage and family counseling as well. On what planet is that the government intruding on my family?
Maybe, with more people having insurance, and having better access to both preventative care and illness treatment, we can see our health system’s ranking go up from #37 out of 190 countries, as charted by the World Health Organization.
One can only hope.
Blessings
Mama Kelly
* “assuming final Senate passage later this week”
Source:
Health Reform: A Year by Year Rundown of What Happens and When
What Does the Health Care Bill Mean To Me?
The World Health Organization’s Ranking of the World’s Health Systems.
Written by Mama KellyTags:current events, health care bill, health insurance