Sunday, October 04, 2009

Are you one medical procedure away from bankruptcy?

A neighbor made a good point the other day when he said, "Most Americans are one medical procedure away from bankruptcy." The more we talked about his statement, the more it made sense. If you have health insurance, and are in good health, you probably have been satisfied with your insurance.

However, what if...

....you had a heart attack and your spouse had to argue on the phone for hours about your coverage?

....you needed chemotherapy, but the chemo suggested by your oncologist is considered "experimental" by your insurance, and therefore, not covered?

....after 20 years of coverage by the same health insurance company, your insurance carrier has decided that your newly diagnosed disease will not be covered because they've decided you have a "pre-existing condition" that they've just discovered.

Things happen every single day. If you think that health reform doesn't pertain to you, you are lying to yourself.

Last night we attended a benefit for the Vicki Speakman Memorial Fund. The benefit is called "Celebrate" and one of the performers was Colin Gawel. Here is a You Tube link to Colin Gawel's song, "Chemotherapy":




If health reform doesn't happen this year, will your health coverage cost more next year? Will the CEO of your insurance company celebrate if there is no public option because he/she can continue to get millions of dollars in bonuses for the claims that are denied? Are you one medical procedure away from bankruptcy?