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No Health Insurance
  • Anonymous
    Posts: 29,614
    I am 34, live in Nevada and I do not have health insurance, I lost my health coverage when my husband lost his job and went on disability. Now he will get Medicare soon, kid has Medicaid and I have NOTHING. The Senate and President's health care bill does absolutely nothing for me. Their high risk pool is completely unaffordable for me and the monthly charge is only for one person, not couples like we hoped. Plus, there is no subsidy to help with the cost.
    The ONLY hospital/clinic within 190 miles will allow us to see a doctor on a sliding scale, but FORCES us to come up with payments for any procedure (blood work, x-ray, mammogram, etc.). They overcharge by the thousands and have left us deeply in debt. If you get behind on payments, then they without doctor's visits, so most of the time, I end up going to the ER and incur hundreds of more dollars in bills I cannot possibly pay.
    Right now, I am in a lot of pain, but can only afford to go see a doctor, cannot afford the necessary treatment and they don't have to let me get it because it is not a life-threatening emergency--so I get to live my life in extreme pain!
    I want America to know about and understand people like me, we are too "rich" for Medicaid and too "poor" and sick to get insurance on our own. We cannot work, yet there is no help. We are just left to suffer and die.

    I cannot get a job for several reasons:

    1. I am disabled (physical and mental) and cannot do just any job. Yet, it would be pointless to get on SSI because husband is already on SSDI, so no extra income and still make too much for Medicaid.

    2. I live in an unbelievably rural place that rarely has any jobs that I am physically capable of doing.

    3. I have to take care of several people and literally do not have time to get a paying job.
  • Anonymous
    Posts: 29,614
    So you could work if it was the right job? Why not look into working from home?
  • Anonymous
    Posts: 29,614
    I'm in a similar boat. I've been out of work and without health insurance for nearly a year now and have had several occasions when I really wish I could have seen a doctor, but can't afford to pay out of pocket. Trying desperately to find a job, but the pickings are slim - lots of interviews, no offers so far. My partner makes a better than average salary, but she's supporting us both completely and that doesn't leave much left over at the end of the month. Her employer does offer partner benefits, but they aren't cheap, and because our union isn't federally recognized, the money her employer spends towards health coverage for me is counted as taxable income and would bump her into a higher tax bracket (you married straight folks don't have to worry about that. nice perk, eh?). Even if I went to a place that allows patients to pay on a sliding scale, they look at household income, and for what she makes, I'd get charged the full fee. Never mind that when all is said and done, we MIGHT have about $300 wiggle room in our budget. Same goes for other benefits like SNAP and whatnot. We could REALLY use some help in getting by until I can find a job, but I can't get any, and it just sucks.
  • Anonymous
    Posts: 29,614
    Move to Canada?
  • Anonymous
    Posts: 29,614
    Sometimes, I really wish I could.
  • Anonymous
    Posts: 29,614
    I am in the same boat. My kids and I live with my EX-husband and they go by what he makes, and we aren't married or together, so he had overtime on 1 paycheck and they stopped my kids medicaid and my medicaid. Both of my kids have asthma and I have no money to pay for the meds, I am looking into Peachcare but was told that IF they do qualify it will take up to a month to get it. The goverment sucks when it comes to healthcare, how the hell do they expect people to be seen by a Dr. or dentist or have anything else? I hate the goverment and their stupid asses for not taking care of the AMERICANS that are born and raised in the US. They can make hundreds of thousands of dollars but they don't give a shit about the little people.
  • Anonymous
    Posts: 29,614
    Mexico? I mean, like $75 for the passport, $20 for a doctor visit, $50 for specialists, cheeeeap meds, and the service is great. Any x rays or tests done are cheap and quick, especially if you aren't right on the border. What costs tens of thousands here costs hundreds there. Just saying. I get everything taken care of there.
  • Anonymous
    Posts: 29,614
    I have a rare disease. Except it may not make me sick for 20 years. But now I am uninsurable. Pre-existing condition. Still have to go to specialists for monitoring. I have to be dirt poor to get Medicaid or I can't get insurance. I can't be self employed because I can't get insurance to cover me.

    Fuck everyone who opposes health care reform. What fucking kind of a country are we when the choice is destitute poverty or no healthcare. Fuck every American that thinks people like you and I should get medical care.
  • Anonymous
    Posts: 29,614
    That last line should say "you and I shouldn't get healthcare." Fuck those people for being uncompassionate idiots. Sorry can't type when pissed. :(
  • Anonymous
    Posts: 29,614
    First of all, moron, "anxiety" is a diagnosable and recognized medical condition. Have you ever had a panic attack? Well try having them everyday, sometimes all day, then tell me I should get a fucking job.
  • Anonymous
    Posts: 29,614
    First, this is a thread asking for support, advice, ideas, not asking for opinions on how shitty you think she is just for being sick. She is willing to and probably wants to work, and has stated reasons she can't. She isn't personally drawing ssi. Don't be a douche about your opinions if you must share them. Secondly, people on disability for headaches can be valid. I get migraines so bad I can barely see, stand, or hear, let alone work. Right now I work, but I have taken anywhere from a day to a month and a half off because my head hurt so bad I was seeing colors and falling down. I am a safety risk. I am still young though and able to fight it. I will not stand in judgement, because I know that one day I could be in that position. You should do the same, and be thankful for an able body and sound mind.
  • Anonymous
    Posts: 29,614
    Oh poor you. Most of your dads health issues are signs of poor lifestyle choices, not to knock that he's still working. And most of your issues are probably in your head, so that people can sympathize with you, since you obviously are unable to empathize with others. That or you feel like a martyr since you're not getting disability when you think you can. Get off your own nutsack. No one here is crying for disability, once again. We just want to be able to have access to basic health care at an affordable price. Every human deserves that. No one wants to die sick.
  • Anonymous
    Posts: 29,614
    hmmm Someone didn't read most of my post but that's to be expected I suppose.
    I don't have any issues in my head and I'm managing the ones in my body just fine. And YES I absolutely think people should work when they can, don't say they "simply don't have time" to work and should not expect me to pay for their healthcare. Call me every name you want if it makes you feel better.
  • Anonymous
    Posts: 29,614
    Oh yeah, it makes me feel great calling morons like you names--make my day actually. Like the previous poster just said, I am not asking for anything other than access to affordable healthcare. I would be more than willing to pay what I can. IF there was a job I could do, I would try to. Furthermore, I am taking care of three relatives worse off than me and a young child; yet, I don't get paid for it!
  • Anonymous
    Posts: 29,614
    working, of course :)
  • Anonymous
    Posts: 29,614
    What is your problem anyway? Well, it's okay, I'll work now at the local day care, while I can, without medical care, but when my untreated epilepsy causes me to have a seizure, I hope it's your kid I fall on. Then, once my workmans comp is over, I'll have no choice but to go on ssi, on your dollar of course. Don't you fucking get it? Help pay for medical care now, or pay for disability later. We all want to work, just as any other person who wants to go somewhere in life. But one day we won't be able to. Think about it.
  • Anonymous
    Posts: 29,614
    i can not believe how rotten to the core some of the comments are on here! you are all supposed to be grown ups? and to the author of this post, move to the u.k where i am, yay for the national health service! the u.s think they are so superior but at least we wouldn't let a person suffer for the sake of money.......
  • Anonymous
    Posts: 29,614
    I pay 11$ per paycheck in CANADA for taxes and can walk into any walk in clinic anywhere any time for FREE for medical treatment - your government is lying to you about the costs of public health care on an individual tax basis - I may wait a few weeks longer for certain treatments but I will not lose my house I will not incur crushing debt and I will recieve world class treatment irregaress of my income - not knocking the US just makes me sad to hear about the inequity for medical care for my lovely neighbors to the south. I hope you get the healthcare you need that is a basic human right your fellow american's dont seem to enjoy.
  • Anonymous
    Posts: 29,614
    I have a Canadian friend who refuses to seek treatment in Canada for her debilitating issues. She crosses the border every day to see American doctors and has American health coverage. Getting treated in Canada would take over 2 years to even be SEEN by the specialist she needs. She doesn't have that kind of time. It doesn't work for everybody.
  • Anonymous
    Posts: 29,614
    no one in canada waits 2 years to be seen by a specialist - I work in a hospital and the average wait really is only about 16 weeks maximum - sorry but yet another exame of how propaganda can steer people in the wrong direction - in Canada also when we feel we are not getting adequate medical care we can complain to our local health authorities and to the college of physicians and surgeons. as far as the candadia s who cross the border for medical treatment and yes it does happen - once she has a diagnosis no matte who from it will be covered by our medical system if treatment occurs here.
  • Anonymous
    Posts: 29,614
    I really do see it as such a better option to move to the uk or something like that, but I can barely afford a months worth of meds, much less a trip to an overseas country and getting settled there. I really have considered it though. But minimum wage here doesn't cover that kind of thing.
  • Anonymous
    Posts: 29,614
    She doesn't WANT to be treated in Canada. I have yet to meet a Canadian who is satisfied by their health care system. In fact, many Canadians I've met think the US is stupid for wanting it.
    And yes, some people do have to wait longer than 16 wks. Sorry, but it's true.
  • Anonymous
    Posts: 29,614
    I am a Canadian and I am happy with the health care I get. My hubby had to get an MRI and he waited 2 months to get it, and that was when there was a shortage of isotopes in Canada. It wasn't an emergency and if it was it would have been immediate. I have had 2 children and have no bills to pay for the hospital stays or anything I needed during the births. If I have a problem I see a doctor and if that leads to a specialist it takes 1 month to see them even if they are booked solid.

    If it takes someone more than 16 weeks and it needs immediate care and being seen asap is needed go to the hospital, they have specialists on staff for that reason. This Canadian friend of yours needs to see their primary care physician and explain and ask for a referral asap because I can guarantee that it will be within 16 weeks minimum.
  • Anonymous
    Posts: 29,614
    You know health insurance isn't a right. I feel it should be earned. But I also see the problem with our country's healthcare isn't the lack of insurance for some, but rather the ridiculous healthcare prices. You should be pissed it costs so much to be seen by a doctor. Not that those of us who work won't pay for it. I don't judge those that don't have insurance. I do think it's wrong that you can't be seen by a doctor. I just think you're not seeing the big picture. Insurance is the reason our healthcare prices are so high. Politics and lawyers are the reason our healthcare prices are so high. Right now the US has some of the best healthcare services available. Increasing insurance companies is only going to drag the syestem down and make it more expensive.
  • Anonymous
    Posts: 29,614
    How can you say that healthcare is not a right? That is incredibly cruel and shortsighted. Our constitution guarantees us the right to "life, liberty and the pursuit of happiness"; how can we have life without healthcare if we become ill?
    How can anyone even suggest withholding healthcare from someone because they are unable to work? What you are saying is akin to telling someone that if they have no use to society, then they should go crawl off somewhere and die.
    The problem with our healthcare system is very simple, it is a matter of capitalism run amok. We are the only country where pharmaceutical companies are allowed to spend billions of dollars on advertising, which is then passed on to the consumer. Pharmaceuticals should not be a competitive, money-making machine; it should be a government sponsored program which everyone benefits from. No one should be so damn wealthy from the sufferings of everyone else.
    Secondly, my husband--and everyone else on SSDI--has earned their right to be on it, it is nothing more than early retirement for the disabled. People on SSDI have worked and paid their taxes to earn it. I was eligible for SSDI years ago, but didn't take it, because I thought my life might get better. It did not and now my credits have expired. I am eligible for SSI, but will not bother to apply because my husband being on SSDI, I will not benefit at all because he makes too much money. So he gets to get Medicare in a few months and I still get nothing because the system is flawed. I have worked, I work at home taking care of numerous people, but I get nothing.
    Moving to the UK or Canada is not easy, I have looked into it, there is a huge, complicated process that can take years to get citizenship and receive healthcare benefits. No other country is like the US, that is, we let thousands of Mexicans, illegally immigrated here every year get Medicaid, yet people like me cannot get any help at all.
  • Anonymous
    Posts: 29,614
    The government should help you and the rest of us with our healthcare. The problem with healthcare in America is that private insurance companies have been allowed to control healthcare. Private for profit insurance is an abomination, no private company should be in control of our healthcare. In my opinion, this whole healthcare overall would have worked better if the government would have offered us something like Checkup, a Medicaid program that parents pay in a little bit if they are not poor enough to go on Medicaid. If adults with disabilities were given a similar option--where it is government sponsored--but, we pay in only what we can afford. The pre-existing conditions health plan is ridiculously overpriced; people like me cannot afford the $300+ monthly premiums, plus the co-pays, plus the deductibles. In order for me to afford such a plan, I would have to forgo things, such as gas, food, paying my utilities, etc. How can this be fair or reasonable? This whole healthcare overhaul is a joke. The only solution is to rein in healthcare costs by putting standardizing and putting limits on what doctors and hospitals can charge. Taking the power away from private insurance and pharmaceutics companies by heavily regulating them and not allowing CEOs of such companies to become BILLIONAIRES off of sick people.
  • Anonymous
    Posts: 29,614
    Oh, and my employer doesn't offer health insurance either, and as you can see by my budget, I couldn't afford it anyway. Go figure.
  • Anonymous
    Posts: 29,614
    I am a Canadian and very happy with the healthcare I and my sick mother and my sick child have received here - they were never refused treatment, were treated with respect and dignity and never had to sell off their possessions on order to receive care. I am as far as American medical insurance is concerned uninsurable due to my own medical issues and have a low income - as suchif I were not in Canada I would be dead. how is that acceptable?
  • Anonymous
    Posts: 29,614
    if you are disabled, I'd apply for disability and you'll get medicare. it's there for people like you. I urge you to apply. You will get extra income (may not be much) but you will also get medicare. if you have never worked, you get the very minimum they can give you, which might be around 600 something a month. But that 600 could pay for bills. But what is most important, you'd get medicare. just an idea. I wish I could offer more advice, but I can't but you'll be in my thoughts
  • Anonymous
    Posts: 29,614
    Thanks so much. I've worked for three years (I'm nineteen), so I think I would get more, but I would feel awful never working. I guess it's going to get to that point eventually anyway. I don't know anything about the process of getting on disability anyway. I just feel so helpless. Thank you so much for your kind words, thoughs, and encouragement.
  • Anonymous
    Posts: 29,614
    First, very few people do not get back every dime of tax money they have paid in. Second, you cannot apply for SSI and get on Medicare. If you do get SSI, you MIGHT be able to get Medicaid. If you are eligible for SSDI (you have to have worked 5 out of 10 years), you will have to wait for two years to be eligible for Medicare and will probably make too much to get Medicaid in the meantime--unless you have kids. If you were disabled before the age of 22, then you might also qualify for SSDI based on your parents income.
  • Anonymous
    Posts: 29,614
    It seems too complicated. From what I've researched, I'm screwed. I spoke with a case worker about my situation, and she recommended I get preg to get Medicare services. She said it's basically my only option.
  • Anonymous
    Posts: 29,614
    What is your disability? Do you have substantial documentation? You cannot get on Medicare because you are pregnant, if you are poor enough, you might be eligible for Medicaid.
  • jennibee
    Posts: 3Member
    There seems to be a lot of back and forth and misunderstandings about the Canadian healthcare system.  I just read this article which I thought was really informative.  It's super short and puts a lot in perspective:
    http://ayoungmomsmusings.blogspot.ca/2012/07/how-i-lost-my-fear-of-universal-health.html
  • blkrosemommablkrosemomma
    Posts: 297Member
    Canada is surprisingly hard to get into. They want all immigrants to be well educated and to be useful. The unfortunate circumstance that a lot of people find themselves in with healthcare is that a lot of chronic illnesses such as fibromyalgia, are group diagnosis without any confirmed testing. It's really just a I'm not sure what's going on but you seem to have these symptoms. They are also widely miss understood by the general population and judged harshly. The same goes for many mental illnesses. At the end of the day however the system is still built on the foundation of survival of the strongest. It's a fight to survive in today's economic situation much as it was 500 years ago and much as it will always be. You make the best of what you have, you live, you die, you hope someone remembers you.
  • Charlotte_SometimesCharlotte_Sometimes
    Posts: 1,757Member
    Canada is hard to get into.  I will possibly qualify once i get my Master's.   Mexico is close to me, but it's not the same these days, we used to go to Mexico about once a year.  Now it's scary.   My mom used to get prescriptions filled there and I think she got my glasses there once when I was a teenager. 

     This is an old thread, I realize, but I haven't had health insurance since DS14 was a baby.  I am about to turn 41 and in all likelihood I won't have any coverage until I am finished with school.   I have to rely on a "free clinic" (not really free but sliding scale) if I get sick and it is for basic stuff like respiratory infections or pap smears or something simple. It is very helpful though, usually runs about $30 for an office visit and $15 for blood work and $5 to 15 for meds.  It If there is anything requiring much in the way of testing like MRIs, they can't do it due to lack of funding.  They have an in-house pharmacy so meds are discounted as well BUT again, they don't have anything beyond basic meds and if something "new" comes out that the doc wants to try as it might work better, they usually don't have it in stock and you have to pay full price at a regular pharmacy.

    The place is a lifesaver though.  Before I found it I just kind of suffered.  I had a sinus infection once that was so bad that I was having a fever of 102 for a week straight.   I have been to the ER when something really bad has forced me to it but I consider that the absolute LAST possible option.  Last time I went I had a headache that made me feel like a truck had run over my head and I spent six hours in tears waiting to be seen.
    "But a lesson must be lived
    In order to be learned"

    Ani DiFranco, Manhole