The health care system in American needs reforming. This has nothing to do with Obama's plan. This has to do with the fact that medical related companies take advantage of the uninsured and being uninsured is awful.
After we got Jackson home from the hospital, Noelle remembered to check on adding Jackson to the insurance. She logged on and saw that Jackson was listed on the policy. Well, "Baby MacGregor" was listed. She was relieved and went about her business. EOBs (Explanation of Benefits) arrived and his bills were being paid. In June Noelle called the insurance company to find out how to change Baby MacGregor to Jackson MacGregor. After asking her 100 questions to make sure she was Noelle, they pulled up the plan, and told her it was easy, just to contact HISD. Jackson got sick in July. He went to the ER and had a follow-up at the doctor. Then, days later, he had his 2 month shots. The next day we received a call from the doctor's office stating that Jackson's claims were denied because he did not have insurance. After calling the insurance company, we were told he was added to the policy for one month and then deleted because we did not add him ourselves. He had been without insurance for over a month. We were horrified and could not believe it. After speaking to many "managers" we finally found out about an appeal process. We did not tell our family or friends because we knew our parents would worry. Nearly a month later, and many phone calls later, we found out (today) that our appeal was approved (and it was retroactive back to his date of birth). Living a month in fear that Jackson didn't have insurance (and couldn't be added until he was 7 months old) had us living in terror. Not having insurance is one of the worst things, especially when it's for a newborn baby.
In addition to not having someone pay part of your medical bills, the doctors actually charge you more, for the exact same thing, just because you don't have insurance. It's insane. If you get in a wreck, and you don't have insurance, the body shop doesn't jack up their price. "You're poor - let's change you more."
If you look at your EOBs you will notice that it shows two prices:
1 - How much the dr/hospital/etc would charge you if you didn't have insurance
2 - How much the dr/hospital/etc is charging because you have insurance
This is not taking into account the amount your insurance pays for you; this is just what the office is charging.
When Noelle had an epidural during delivery - the amount she would have paid if she didn't have insurance was $5000. Since she had insurance, the charge was only $755. We only had to pay a little over $100. The doctor does the exact same thing for both types of people and uses the exact same supplies, but would charge an insured person 15% what they would charge an uninsured person. Thanks to insurance we paid 2% of what an uninsured person would pay.
Something needs to change.
And we don't want to hear anything about your thoughts on Obama's Health Care Plan. We're just saying the system is broken, and it has been a very stressful month worrying about our son's insurance.