Oh what a relief it is, Part Two

I feel badly for Denise, who commented on my second post yesterday that she'd given up on healthcare.gov. And I empathize with her and with the Kitten, who also commented about his frustrations with his system in California. I, too, am a bit intimidated by the choices and by having to make a decision. Which plan is going to work best? WHO KNOWS? You only know if you have to use it. You can study each one and try to figure it out, but until you actually have an accident or become ill or contract a horrible disease, all you're going on is faith that the insurance company has your best interests at heart.

Hahahahaha.

So why is this post Part Two? Because even though I still haven't gone into my account to choose my plan, I'm relieved – oh, so relieved – to have gotten through the process and been deemed qualified.

I still think the U.S. Congress is silly greedy shortsighted for insisting commercial insurance is a better alternative than a single-payer, Medicare-for-all plan. Bernie Sanders (D-VT), in a somewhat serendipitous bit of timing, introduced a bill in the U.S. Senate yesterday that would make each state set up a single-payer system, as Vermont has just done.

As is evidenced by Kitten and Denise (and me), the American people aren't happy with the ACA. There is a strong movement toward single-payer, and Sen. Sanders has long been an advocate. As has PNHP.

The ACA has been, so far, an incredibly frustrating and expensive boondoggle. I can't honestly say I'm unhappy about that, since the push for single payer is becoming stronger each and every day.

Even if we all qualified for a Medicare-type plan, we would still have the option of purchasing supplemental insurance from a private company to cover expenses not covered by the Medicare-type plan. Some choose not to do so, and are then liable for those extra expenses should something happen. My husband, a Medicare recipient, goes through the various plans each year and then picks one out of a hat. He could just as effectively throw a dart.

He's amazingly healthy for a man his age. He takes no daily medication, walks more than 30 miles every week, maintains a below-normal body weight and a smack-dab-in-the-middle BMI. He rarely goes to the doctor.

The rarely part is why he buys supplemental insurance. The what-if-something-happens. The what-if-I-need-medicine. The what-if-I-get-cancer. All very real possibilities, considering his age and gender. Seriously, though? Those are all very real possibilities for any of us.

At any rate, the push for single-payer continues, with new life because the ACA still doesn't meet our needs. I'll be checking out my options in the next day or so, hoping a plan exists that will meet mine.

Only two and a half years until I qualify for single-payer Medicare. I can only hope it happens sooner rather than later for you younger whippersnappers.

P.S. Time just announced its Person of the Year: Pope Francis, the People's Pope! An excellent choice,  and a breath of fresh air, not just for the Catholic Church but for all of humanity. You know if conservatives are criticizing him he must be doing something right.

A good day

Apologies to you lucky readers who don't live in the United States and who currently enjoy universal healthcare. This post is all about justice prevailing here in America.

I tried not to get all caught up in the hype yesterday morning, waiting for the Supreme Court decision on the constitutionality of the Affordable Care Act (ACA). I posted on Facebook that it felt like watching the "Buckwheat Dead" sketch from Saturday Night Live, oh so many years ago.

And both of you know I'm not really happy with ACA anyway. Removing the public option weakened the bill considerably and left insurance companies in the mix. It's a fact that Medicare's administrative costs are 3 to 5 percent, while commercial insurance companies spend 30 percent just to process (or, more likely, deny) claims. Single-payer (Medicare for all) is the most economical, humane, just, fair way to deliver healthcare to everyone. Period.

So while I was a disappointed Democrat after ACA was signed in 2010, I'm still a devoted Democrat in 2012, and I wanted the Supreme Court decision to uphold the law.

I was surprised at how happy I was, once Wolf Blitzer got it all sorted out. (He originally reported the individual mandate had been struck down, which was not the case.) Giddy, even. My President won! A very good day! And he gave a very classy statement a couple hours later in which he pointed out who the real winners are: Me. And you, if you live in the United States.

I haven't benefitted from any of the ACA provisions yet. My insurance company (I pay through the nose for a private, high-deductible, catastrophic policy) has always offered an annual free well-woman visit to my OB-GYN, including an in-office PAP smear, and I can get a free mammogram every year, as well. Which I haven't done in a while, so I'd better schedule that soon. Those are a couple benefits from the law that some insured women now receive.

What the law didn't prevent, however, is my insurance company dropping all its individual policies. I learned this spring that as of July 1, 2013, I will no longer have health insurance. I'll be 62 at that time. It's not likely that I'll be able to find anything even close to the already expensive policy I now "enjoy." (Considering that this policy doesn't cover office visits, lab work, X-rays or diagnostic tests, and that I rarely visit a healthcare professional, Aetna has profited quite nicely from my premiums.) I've already started researching replacement policies.

Deductibles in most plans have gone from $3000/year (which is what mine is) to $5000/year. Most policies now cover office visits, with a $30 to $35 co-pay (my doctor charges $72 for an office visit for his uninsured patients). They typically offer 80/20 coverage – they pay 80 percent and the patient pays 20 percent – after the $5000 deductible has been met.

I'm grateful for my relatively good health. I'm glad I have a health savings account (which will pay for the upcoming dental work). I haven't contributed to the HSA since I originally funded it several years ago, and I still have most of it in the bank. I'd like to say my BMI is normal, but I'm beginning to believe it may never be. Obesity may be a pre-existing condition, but it's not going to keep me from being insured. Eventually.

I'm willing to go without insurance for the six months from July, 2013, to January, 2014, but my husband won't hear of it.

My hope is that West Virginia will begin setting up its insurance exchange well before the January, 2014, deadline, and that we will be able to opt into it ahead of schedule. I'll be making some calls to find out if that's being considered.

My other hope/wish/fervent prayer is that President Obama is re-elected in a landslide. Talk about a mandate. This signature legislation has helped and will help millions of Americans stay healthy or get treatment for conditions which were previously denied coverage. Once I'm eligible for the state exchange policy, I will save more than $2000 a year in premiums. And, truly, it's not all about me. It's about moving this country forward, eventually, to that ideal single-payer, Medicare-for-all system. Health reform in the United States will be a long slow process.

Yesterday's decision was a major step in the right direction.