What is a Pre-existing Condition?

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There has been a lot of talk about pre-existing conditions, what they are and if people who have them can be denied health insurance, or be made to pay more for health insurance.  A pre-existing condition is anything medical that happened before a person’s health care policy went into effect.   In the bad old days, before the ACA, health insurance companies could refuse to sell policies to people who were sick, or who had been sick.  There were companies who did sell policies to these people, however the cost was much too high for the average person to pay.  With the ACA, these people were able to buy policies for about the same price that the average “healthy” person could.  With the advent of TrumpCare, these pre-existing conditions don’t need to be covered by insurance companies.  Here is a list of some of these conditions that no longer will be covered.

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As you can see, a lot of people have these conditions.  For example, I was born of with a heart murmur and I have had asthma in the past.  Heart murmurs, as I understand it, can be a crap-shoot.  It’s a 50/50 chance of needing a medical intervention.  I never even knew I had one until I was pregnant, then I was told that I’d had it all my life – go figure.

https://www.youtube.com/watch?v=aMNOvVX8e4I

What do you think about these pre-existing conditions?  Are you in danger of losing your health care?  If you do lose it what will you do about it?  Let me know in the comments below.

Health Care?

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Okay, so I’ve simply got to say something about the plan for healthcare under the TrumpCare proposal.  I realize that “they” don’t want us calling it TrumpCare, however, if “they” were allowed to call the Affordable Care Act ObamaCare, then I really don’t see why this proposal can’t be called TrumpCare.

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Actually, the plan is to throw as many people off health insurance as possible.  Does that sound extreme?  Then tell me why, as a fifty-something year-old, under this plan, my insurance would go up 5 times what I’m paying now.  Yes, not 5%, but 5 times the cost.  Are they insane?  My health insurance per month would cost roughly what our monthly income is.  That would leave us with no money for food or shelter.  Oh, and by the way, Jason Chaffetz, I don’t have an expensive phone, instead I probably use one of the oldest flip phones still in use, and have no internet connection on it.  My husband though, has an expensive one that is for work, and therefore is paid for by his place of employment.

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https://www.washingtonpost.com/news/wonk/wp/2017/03/07/if-jason-chaffetz-wants-to-compare-healthcare-to-iphones-lets-do-it-the-right-way/?utm_term=.1801ab53d187

I’m leaving some links below for those of you who want to educate yourselves further.  Please read them, as the proof is in the pudding, as they say.

https://www.washingtonpost.com/blogs/plum-line/wp/2017/03/07/the-new-republican-health-care-plan-is-awe-inspiringly-awful/?utm_term=.b904f58689ee

https://www.nytimes.com/2017/03/07/opinion/how-republicans-plan-to-ration-health-care.html?_r=0

https://www.nytimes.com/2017/03/07/health/risk-of-losing-health-insurance-in-republican-plan.html

 

Looking for Solutions

Hand holding a Solutions 3D Sphere

Finding a problem is way too easy. Usually when we look at our lives all we see are the problems. However, we can be stymied when looking for a solution to the problem that we just found. As an example, my latest problem is that with a new health insurance company, my husband’s employer is now taking out an additional two hundred dollars from his monthly pay. So, now I’ve got a problem. I’m the one who pays the bills, and two hundred dollars missing from the monthly intake has really interfered with my ability to do the bill paying.

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At first, I just went into denial mode. If I ignore the problem, it will go away. Has this worked for anyone? Ever? Didn’t think so. Then I made a short list of what I could do. First of all, I could look into health insurance policies. After all, maybe I can find one that is cheaper. So far, I’ve not had much success, but I did only spend about two hours on this task. The cheaper policies also carry huge deductions, many of them to be paid up-front. This will force me to keep on looking.

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My second solution is that I need to take a look at our spending habits and see where I can cut those. One of the things that we consistently do is to get take-out on Friday nights. This can get rather more expensive than I would like, since my husband enjoys buying one or more appetizers. I have already cut down here by not getting anything for myself; instead I make a fabulous salad and have that. The only time when I get something is when we decide to get Chinese. The cost of the meal goes way down since I can usually get three meals out of my take-out. As a solution, there is no reason why we have to get take-out every Friday night. I believe that I’ll make pizza from scratch every other Friday. I’ve done this before, and the results have been pretty positive. See, there’s another solution.

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Then, the third solution. Food is extremely expensive. I am going to be finding cheap, easy vegan meals to make a couple of times a week for all of us. That should help with the food bill, and I can buy bags of beans instead of cans. Cheaper and better for you. Good ideas. So, as soon as I left the land of denial, my problem turned into solutions. Give it a try and let me know your results. I’ll keep you posted on mine.

New Ideas for Health Insurance

     Like most people, my family has to sign up for a new health insurance. When we went through the process, the most important questions had to do with cigarette smoking, and our height and weight. Of course they asked the medical issues questions, but nothing about our lifestyle other than smoking.

     So, my question is, why not? Why didn’t they ask how many times we eat meat and cheese; how many times do we exercise a week; or do we meditate? Why were lifestyle questions not asked? Why are lifestyle choices not considered for pricing of health insurance? If someone lives a lifestyle that keeps them healthier than one where meat is eaten repeatedly during the day, sugar is consumed at astonishing rates, and junk food is inhaled consistently, of course the health care costs are going to be higher.

      I would really like to see a system much like those offered by such stores as BJ’s (I know you get rewarded by receiving money back), but in this case where you get a reward for being healthy. How about if people were able to earn points for losing weight; dropping their high blood pressure; going from too high blood sugar to normal blood sugar; and other such healthy pursuits. We could all get so many points for these actions, and then use the points for classes on how to cook healthier food; classes on meditation; or other healthy pursuits.  Even points to be used for massage; or other stress relief.  How fun would that be?

     This would be a worthwhile endeavor, and wouldn’t it be great to become the healthiest nation, instead of the unhealthiest one?  People love getting rewarded; it’s a great motivational tool and wouldn’t it be fun to get classes, etc. free or for a reduced price?  What do you think about this idea?