Uninsured=financial ruin - page 2

admittedly this is anecdotal but the story still speaks to a larger issue. having affordable access to health care is an essential part of the social contract. being uninsured and lacking access to... Read More

  1. by   Jelli_Belli
    I can give you a solution in two words:

    Universal Healthcare
  2. by   Simplepleasures
    Quote from ChayaN
    How do you explain Medicaid then?

    Don't confuse the issue. The problem is not that only rich people can afford health care. The problem is that we punish the hardworking low-wage earner while rewarding those who contribute the least. So if you are unemployed, you are eligible for Medicaid (which provides reasonably decent coverage if you can get it) but if you have a job, working hard and barely scraping by, you are eligible for nothing. That's the injustice.
    Ok, here is my story, I am still(1 1/2 years) waiting for approval to get Social Security Disability.I have gone through my savings and now am being supported 100% by my grown children, thank God for them or I would be out on the street.I go to a free clinic, which I am greatful for but, the care ,because of cost issues is sometimes marginal. I have tenatively been diagnosed to have inflammatory arthritis( possible RA) by a volunteer orthopedic surgeon .They wont refer me to a Rheumatologist or order the nessessary lab work to make a definative diagnosis, so I am in the position of having to wait for my hearing to have a ALJ either aprove or deny me SSDI benefits, which in my case because I have depleted my funds, WOULD allow me to get Medicaid. In the mean time my hands a getting more crippled by the week it seems. I also have DDD, DJD spine/DJD bilateral knees/starting cataracts both eyes.I think it is a national disgrace that after working so damn hard in LTC for 27 years that I and others in my position have to be practically begging for healthcare.
    Last edit by Simplepleasures on Jan 15, '07
  3. by   classicdame
    HM2Viking did not state whether or not a social worker had been consulted. I know that one of the ways to get Medicaid is to have a lot of medical bills. By getting the help she needs this patient might be able to qualify sooner. If not, go bankrupt or agree to a long term payment plan. Sounds like there was some denial in this patient's decision. The accounting dept at the hospital is skilled in finding money when no one else can and the SW can be of real help. Hope this lady's story has a happy ending.
  4. by   gitterbug
    Many couples I know have gotten divorced after years of marriage so a spouse can qualify for benefits. They live together and lie to the agencies for assistance. It is an accepted things in this area.
  5. by   JeanettePNP
    There is a general disdain for people who do underhanded things like that, or work off the books and hide income to qualify for government help. But sometimes it comes down to doing what you gotta do to survive.
  6. by   hope3456
    Quote from gitterbug
    Many couples I know have gotten divorced after years of marriage so a spouse can qualify for benefits. They live together and lie to the agencies for assistance. It is an accepted things in this area.

    I have a coworker who did this recently. His wife has MS. The outrageous part of this is, she was covered by insurance - good old Blue Cross Blue Shield from the employment she had when she could work. He got so sick of dealing with them - they were outright nasty. They would 'drop' his calls, and would just string him along every time a claim was made. Sickening.
  7. by   ICRN2008
    My state has a program that pays for well woman exams, contraception, pap smears, mamograms, etc. for low-income, uninsured women.
  8. by   Cosper123
    We'll never have a feasible universal healthcare plan until we as nurses are willing to take a huge paycut.
  9. by   southern_rn_brat
    Quote from gitterbug
    Many couples I know have gotten divorced after years of marriage so a spouse can qualify for benefits. They live together and lie to the agencies for assistance. It is an accepted things in this area.

    My first husband got very ill and had to go on disablility about 6 months after we got married. I was 23 years old.

    While waiting for his social security disability to be approved we applied for assistance.

    The caseworker at the state SSI office (whoever that was I dont remember) actually told us to get a divorce so he would qualify.

    My government told me to get a divorce so they could help me.

    That is so wrong.
  10. by   Simplepleasures
    Quote from ChayaN
    How do you explain Medicaid then?

    Don't confuse the issue. The problem is not that only rich people can afford health care. The problem is that we punish the hardworking low-wage earner while rewarding those who contribute the least. So if you are unemployed, you are eligible for Medicaid (which provides reasonably decent coverage if you can get it) but if you have a job, working hard and barely scraping by, you are eligible for nothing. That's the injustice.
    WRONG, you are not automatically approved for Medicaid because of unemployment, you must prove you are DISABLED. It is a LONG arduous process to warrent Medicaid, it takes up at least a year and in most cases 2 or more years to be approved.I know this first hand , it has been way over year for me, am waiting for my hearing in front of a SS ALJ. This is NOT a given benefit to we Americans, just because of unemployment.Many people go broke or even die before they are approved, read accounts of people and what we go through to try to get Medicaid on the Social Security Disability Forum.
    Last edit by Simplepleasures on Jan 20, '07
  11. by   JeanettePNP
    Quote from ingelein
    WRONG, you are not automatically approved for Medicaid because of unemployment, you must prove you are DISABLED. It is a LONG arduous process to warrent Medicaid, it takes up at least a year and in most cases 2 or more years to be approved.I know this first hand , it has been way over year for me, am waiting for my hearing in front of a SS ALJ. This is NOT a given benefit to we Americans, just because of unemployment.Many people go broke or even die before they are approved, read accounts of people and what we go through to try to get Medicaid on the Social Security Disability Forum.
    If you have no or very low income or assets, you qualify for Medicaid. You don't have to prove you're disabled. Maybe the unemployed have resources (house, car) that count against them when they apply for medicaid, but if you're broke, you qualify, even if you're able-bodied.
  12. by   HM2VikingRN
    Quote from Cosper123
    We'll never have a feasible universal healthcare plan until we as nurses are willing to take a huge paycut.
    Please cite the basis for this assertion.
  13. by   Fuzzy
    Quote from BSNDec06
    My state has a program that pays for well woman exams, contraception, pap smears, mamograms, etc. for low-income, uninsured women.
    Most states do but that's not the point. The testing is actually the cheapest part. Heck I can pay for most of the testing if payments can be made. What I cannot pay for is if something BAD is found. I don't have medical insurance. I cannot afford it due to pre-existing conditions that I didn't choose to be born with. So if I were to get cancer, have a bad accident, a stroke, a heart attack, or some other major medical problem, I'd just have to die as I certainly could not pay for any treatment. This is especially true if I get to the point where I cannot work. This is why I will not have any pap smear, mammogram, colonoscopy, or any of those other tests. I don't want to know. Everyone has to die sometime and of something.

    The US healthcare system is broken it needs to be fixed. Some ways to fix it in my opinion.
    1. get the lawyers out of healthcare
    2. get the insurance companies out of healthcare
    3. get the lobbyists out of healthcare
    4. get the government out of healthcare
    5. if the government has to be involved than remove the insurance companies, the lawyers, and the lobbyists. It's these non-medical people that make healthcare unaffordable and unavailable for the rest of us.

    Yes my family also went through bankrupcy due to my uninsured mother getting cancer and dying. Tore my family apart.

    Fuzzy

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