- Posted October 1, 2013 by
This iReport is part of an assignment:
Obamacare: Your story
I’m not American but ObamaCare somehow opens my eyes to reality
This morning, my sister and I are talking about health insurance. Most of us don’t have insurance (health, burial, life).
My father who is now 64 years old had his insurance. He is enjoying his insurance. But his sisters (aged 67 and 58) don’t have any insurance. They don’t work in the government and have a small business.
On my mother’s side, only my grandparents (grandpa is 80 years old and grandma is 75 years old) have availed burial insurance from a private insurance company. One of their daughters discouraged my parents to avail the burial insurance but they continued paying their monthly contribution.
In the Philippines, we have Social Security System (SSS). It is a privatized social insurance program for Filipino workers in the private sector. It is the counterpart of the social insurance program for government workers called the Government Service Insurance System (GSIS). Depending on the contributions, members can avail of the salary loan, calamity loan and emergency loan. There is also Sickness Benefit and retirement benefit.
In 1995, Philippine Health Insurance Corporation (PhilHealth) was introduced the Philippine government. It is government-owned and government-controlled corporation (GOCC) and is under the jurisdiction of the Department of Health. Being a company under the Philippine government, PhilHealth doesn't pay any taxes and is partially subsidized by the government. The company's main goal is to give an affordable health insurance to all Filipinos whether by being employed, a voluntary member or members sponsored by the government.
Employed and Voluntary Members of PhilHealth pay monthly contributions to pay for the benefit of the sick member and also for the indigent members who doesn't pay any monthly contributions.
My problem? I am not a government employee so I can’t avail of GSIS. I had SSS but I stopped contributing years ago. And I don’t have a PhilHealth.
I am 32, I have a private work and my income is just enough for my needs.
Now, I am really scared.
What if I get sick? I don’t have enough money for hospitalization, medicines, etc... Is there a government to help me?
What if I will die? The cemetery lot is expensive; the coffin is expensive, etc... Is there a government to take care of my dead body? I don’t want to give burden to my immediate family.
I have old neighbors (reaching 60) without insurance and they have a miserable life now because they don’t get good treatment from their immediate family. They have no medicines and vitamins to support their old age because they don’t have insurance. Some of their immediate families also refused to take care of them.
Reading ObamaCare opens my eyes to see the reality the importance of insurance and every citizen should have the access to affordable and quality health care.
It’s about time to continue my SSS contribution and get my PhilHealth for my future!!!