My name is Kristin and I have a pre-existing condition.
Hell! Maybe even more now that I really think about it!
From what I can tell from the list of possible pre-existing conditions sited in the Republican Health Care Plan that just squeaked on through the House, I mine as well go out in the backyard later today and start digging my own grave. Stick a fork in me, I’m done. Last week I was healthy as an ox according to the insurance company assessments, not so much this week. Previously under Obamacare all insurers were required to charge everyone the same premium across the board and a whole bunch of Americans didn’t like this idea. Well lucky them because that provision is about to get flushed away, probably along with my own ability to acquire decent and affordable health insurance.
When we think pre-existing conditions we tend to think of the “duh” conditions like a massive heart attack, chronic diabetes and stroke. I have heard plenty of people argue that these “pre-existers” should pay more, they didn’t take care of themselves and these are the consequences. No one is keen on paying for the actions of others. Well good. I don’t have any of that jazz on my chart. I exercise four times a week, eat a healthy diet, stay away from drugs and cigarettes. I should have zero problem passing through the “pre-existing condition gates of health insurance.”
Except for one thing.
I’m a woman. Further that a bit, I’m a mom. My mind and body have been through multiple birth-battles and that is now going to cost me…perhaps a whole lot actually. Kids…really they are the gift that keeps on giving aren’t they? Maternity coverage may not be an essetial benefit any longer. Can you imagine having to return to the dark ages and pay out of pocket for a cesarean section? Fun, fun fun! What is that going to run per birth? In 2008 the cost for an uncomplicated c-section was roughly fifteen grand, but most sections tend to be on the dicey side. Considering I had three c-sections, all with complications of some nature, that would have set my little family back by about 60,000-80,000. I just threw up in my mouth a little bit just processing that number. Bye college. Let’s not even contemplate the hypothetical costs regarding our preemie identical twins and their ritzy stay in the local NICU. Ok, just for shits and giggles we’ll ponder the cost and do some simple math. The average cost a one day stay in the NICU is about three thousand dollars. One of my twins spent her first 20 days there. Well hey! That would be another sixty grand. Never have I been more relieved to have the baby making days behind me. Kids might literally be costing a fortune under the new health care act. Everyone better double up on contraception…oh wait. That’s not covered either, is it?
Now just because we have closed the baby making factory doesn’t mean that we won’t find ourselves up a very pricey creek under this new Health Care Policy. Looking at the list of pre-existing conditions that may not be covered under the new plan doesn’t have me feeling as if I will be getting a clean bill of heath anytime soon. Let’s take a gander at the conditions that might be putting me on the “undesirable candidate for insurance” list.