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A Medical Hurdle

This story is for those of you who really hate the concept of  universal healthcare:

My last job working full time was for a financial adviser.  It was a small business and  did not offer many benefits, including health insurance. But that was okay, because my husband had the state employee’s insurance plan through his job at Marshall University. It was restrictive outside of West Virginia. For example, he needed an eye surgery and the best care was in Kentucky. Living right on the Kentucky line, we chose to pay more than drive further to Morgantown.PEIA

Once he retired, we fully expected my health coverage would end immediately and were pleased I could pay fully for coverage to continue for two years. As expensive as that option was, it would give me some time to find something else once we moved to Oregon.  And I was happy it was coverage by Aetna. I had lived in Hartford for many years and felt that company had good policies and attitudes.Aetnalogo

When the Affordable Healthcare Act was passed into law by Congress and approved by the Supreme Court, I was relieved that I did not need to find another 9-5 job with a large company or the state government to get insurance, as all those jobs were an hour away. I started looking into the Cover Oregon plans and determined I would save $100 a month once enrolled.cover oregon

Meanwhile, using my post-retirement West Virginia insurance, I started establishing relationships with new medical care and filling my prescriptions at the local pharmacy.ritedaid

Until yesterday, when I went to pick up a refilled prescription and a new medicine that my new doc felt was necessary to replace one causing some blood chemistry issue.  The pharmacy told us that our insurance had dropped us. Said they had dropped Graham so they had dropped me. But Graham, being on Medicare now, had never been enrolled. Just me.

We have received no communication from this insurance company. It was past 4:30 eastern time so have to get through the weekend and then we will call on Monday. We paid cash for the medications, thankful they were generics and only double and triple the cost we were used to paying.scrip-shopping-cart-md

This is the way insurance companies act. And now, we will have to fight for the coverage we were told would be offered for two years.fight

Having lived through Dave’s long fight with cancer, I know very well first hand that often people who are ill, or dealing with someone who is very ill, have no spare energy to fight battles like this. But this is the way our current healthcare coverage system has existed for years.  I often had to fight for the promised coverage.

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