I was raised with the knowledge that health care was important. That you should never go without health insurance because of "what if". In my early 20's I had a part time job with no health benefits. I paid $50 a month on a Blue Cross Plan with a huge deductible. I just wanted coverage in case I was in a bad accident. I later went on to get a job with benefits and this continued into my marriage to Jeremy.
When I was 5 months pregnant with Emily I quit my job and received my health care coverage through Jeremy's employer. By the time we were trying to conceive Audrey Jeremy's work situation had changed and we were paying $1400 a month to COBRA in the event that I would get pregnant. We then were faced with infertility issues and began seeing a specialist. 95% of the care I received from my fertility doctor were NOT covered by the insurance we were receiving through COBRA. On top of the $1400 a month we were paying to COBRA we were spending an average of $500+ a month in procedures to find the cause and treat our infertility issues. We couldn't drop COBRA because Emily was already dealing with many issues that would have come up as "pre-existing conditions" if we tried to get private health insurance. At this point my infertility issues were also in that category.
By the time I became pregnant with Molly, Jeremy was working at a company that offered health insurance. My prenatal care and Molly's birth were covered by this insurance.
When Molly was 5 months, Jeremy's work situation changed again and we were once again covered by COBRA at the cost of $1800 a month. NONE of Emily's health care issues were covered by insurance so we had an average of about $200 a month to add to our COBRA payment.
COBRA became too expensive. Something had to give. We applied for private insurance. Jeremy, Audrey and Molly were accepted. I was denied due to "fertility issues". Emily was denied due to "Plagiocephaly, gross motor skill delays, and mental health issues" Keep in mind, the plan we applied for did NOT include any sort of maternity nor did we want coverage for mental health, and Emily's physical delays were already resolved.
We are more than willing to pay a reasonable price for health care insurance. I am more than willing and HAVE paid out of pocket for medical care. Including, my recent foot surgery, all of Emily's mental health appointments.
Where do I go to get coverage for a serious health situation? Where do I fit in the Health Care debates?
I hear a lot of arguments about people who don't want insurance, don't want to pay their own way, milking the system. What about people like me who WANT to pay my way but my hands are tied due to a decision made by the insurance industry?