Many, many years ago I was in desperate need of healthcare but didn’t have health insurance or the personal resources to pay for the much-needed care. At the time, I had some very charitable doctors who agreed to see me at a reduced rate; sometimes only charging me 10% of their normal rate per visit. They always gave me free samples of medicine, if they had any, and helped me ‘work the system’ to get the medicine I needed for free directly from the pharmaceutical companies.
As my diagnosis and recovery period dragged on, it became apparent that even with generous doctors, I was going to need more financial assistance if I wanted to continue receiving care. To increase my odds, I sought private and public (government) help simultaneously.
As a Catholic, I contacted Catholic Charities to see if they had any programs to assist me. Everyone knows that Catholic Charities is the largest provider of social services in the United States, second only to the government, blah, blah, blah – at least that’s what they say when they interrupt Mass to ask for your money.
Not only did Catholic Charities not help me in any way, shape or form; but they were downright rude. When asking for help, you really don’t need people treating you like dirt. I was sick and poor at the time, and I still couldn’t get help. So much for “social justice”. As a Catholic, I was furious that my faith was being represented to the public by such horrible people.
Are there some good people at Catholic Charities? Yes. Do they do some good work? Sure. Was their rude treatment of those in need isolated? No.
No matter. In the meantime, the Federal government came through. I repeat, the Federal government was friendlier and more reliable than Catholic Charities when it came to providing actual help. The problem with government assistance is that it’s not so much a safety-net as a spider-web, which you get stuck in with no conceivable way out.
Qualifying for government assistance does not mean that they will provide you with the help you need. I still had to pay deductibles and a monthly premium, but it was significantly cheaper than private health insurance. You know what they say: you get what you pay for.
It always seemed that whatever doctor or test that I needed wasn’t covered. I’m sure the bureaucratic nightmare I had to go through to get the help the government said I qualified for was exacerbating my health problems. 3 months to be given an incorrect address; 5 hours on hold; same form returned 3 times from 3 different states, and so on. I always said that I wouldn’t wish government assistance on a dog.
Once my health problems abated, I tried to cancel the assistance I was receiving. I no longer needed or wanted the headache of dealing with the government. No deal, they would not let me out. I called, wrote letters, even appeared in person at the proper government office. They refused or didn’t know how, to let me out of the program.
I tried for two years to get the government to stop, but when ObamaCare first passed I knew I was stuck. If the government was going to destroy the health care system and then force me to buy crappy health insurance, I might as well keep the government crap I already had.
Crap I have to this day. I thought government health insurance was a nightmare before! I had no idea it could get this bad. The simple act of moving to a different state has thrown my health insurance into chaos. Over the past month, I’ve wasted innumerable hours on the phone and online with not one, not two, not three, but four – yes four different government agencies and one private contract company trying to switch my health insurance to make sure I’m still covered in the new state.
The way things look right now, it looks like this problem won’t be resolved until well into the summer. All I did was move within the United States!
This is what I call “As long as I don’t get sick my health insurance is great” insurance.
by: Ana Henry – 15 May 2014