Monday, August 3, 2009

Yet Another Reason Why Insurance Companies need to be Kicked out of the Healthcare System

A woman had to search high and low for an individual policy that would provide maternity benefits. And she found one for the bargain price of $500 per month + an additional $126/ month for the maternity benefits, not to mention thousands in copays & deductibles. The policy clearly stated, “For an additional $126 a month, you will receive benefits for covered pre- and post-natal care as well as covered services associated with the delivery.” It did not so clearly state that her benefits were capped at $3000.00 making the "benefits" barely worth the premiums and sticking her with a $22,000 hospital bill.

This seriously makes me ill, and is one of many reasons why I choose to not have children at this time. Yes, I currently have group health insurance, but if I have to take any time off work to you know, be pregnant, I could lose my job as currently in the US employers with less than 50 employees are not required to provide any maternity leave paid or unpaid, meaning I would get my vacation/sick time for the year (15 days) and could lose my job if I took any more time off than that. And subsequently lose my health insurance. If I was pregnant, I would not be able to find coverage in the individual market because my fetus would be considered a "prexisting condition."

A lot of this I already knew and so I'm ranting. But I did learn something new from this article. "A c-section is a pre-existing condition." Awesome, so if I ever do decide to get pregnant and have to have a c-section (which is often REQUIRED by hospitals) and then have to switch insurance for any reason, I should probably not count on that insurance paying for any costs related to baby #2. And I may have trouble finding coverage at all, unless I am sterilized.

This is all starting to sound like a bad science fiction novel to me. Yet another reason why I'm for a single payer system. But that will probably never happen here. If we do get healthcare reform here, it will probably be piecemeal reform that will have "something to please everyone" and we will still have insurance companies screwing people. Anyone who is afraid of a single payer system because it will "ration healthcare", sorry to tell ya, but IT'S ALREADY BEING RATIONED BY INSURANCE COMPANIES.

I have shared these concerns with Greg, who said that if we do ever get pregnant, I should give birth in a bathtub. Awesome. I'm guessing he'd probably feel different if he was the one with the uterus.. but unfortunately that almost seems like a rational option.

1 comment:

  1. I am so for doing water births when Vic and I have kids. I have got to build up my pain tolerance somehow (lol), but that is seriously what I want to do. it sounds like a better idea than needles, an uncomfortable hospital, and $22,000. :)