2012/05/19

Linda of Kingwood, TX (Denied insurance for pre-existing condition Lupus)

LindaWillies


I worked and paid for private health insurance for over 12 years. At the age of 32 I was diagnosed with Lupus two years after giving birth to my daughter. At the time I was diagnosed, I was covered under my self-employed husband’s health care policy. Each year the rates of the insurance was increased by 10 to 20%. My husband attempted to get more economical insurance coverage from various companies with poor results. He and my daughter was offered coverage however due to scoliosis surgery he had when he was 12 years old, his back was excluded. I was denied coverage by all insurance companies.


Eventually my husband was able to find an HSA plan with Humana that had a $10,000 deductible for he and my daughter. Texas has a high risk pool that I was forced to get my insurance from. Unfortunately this insurance is 3 times that of my husband and daughter.


It is sad that in a first world country like ours we do not have a comprehensive health care system where we can all pay for sensible insurance coverage. It is simply unfair that insurances can selectively pick only healthy people. I am sold on us having a single payer healthcare system. It simply makes sense. We are all one illness away from being uninsurable.

Do not be fooled by the semblance of benevolence

Now that some sort of single payer single payer system seems to be taking hold, we are seen the false benevolence of insurance companies and drug companies to offer free services or services at a reduce cost. Do not be fooled. The intent is not kindness or concern for patients but an attempt to maintain the status quo.

Suddenly the insurance companies want to offer coverage to those with pre-existing conditions if “all people” must have insurance and the government agrees not to have an affordable program of its own.

We cannot let these guys do this to our country.

Single Payer Healthcare Requires Active Participation

The insurance companies and drug companies have a virtually limitless source of funds. They will pay off Congress and FoxNews. We must let the Congressmen and Senators know that even if their coffers are full they will not be reelected.