- Posted October 5, 2013 by
Watertown, New York
This iReport is part of an assignment:
Obamacare: Your story
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I Have No Healthcare Insurance Because I Hate Insurance Companies
I'm in favor of healthcare insurance and understand the need. Things happen. It's nice to have a fall back plan when they do.
But, making someone buy an insurance policy from those that have created so many of the problems we have with the healthcare coverage system seems to be fundamentally unfair.
That's what I don't like about Obamacare's mandate.
Would I buy into Medicare if that option were open to me? Absolutely.
But, when you tell me I have to buy from a private insurance company, that rubs against the raw.
26 years ago I had a Cadillac health care policy from Blue Cross and Blue Shield.
It had a low deductible, low co-pays and a high premium.
I carried that policy for 7 years and it was always paid on time.
When my daughter, Marissa, was born prematurely at 26 weeks, she spent the next 3 months in the Intensive Care Unit of St Joseph's Hospital in Syracuse, New York.
The bills were mounting but we knew we had full coverage for everything including something unexpected like a premature birth.
Just a week before Marissa was to leave the hospital, a representative from Blue Cross and Blue Shield, Steve Lyman, came to see me at the hospital where Marissa was. I thought it was unusual but agreed to see him.
First, he apologized.
Then he told us that the company had decided to drop us without paying the $280,000 that was owed to the doctors and hospital.
I was flabbergasted.
He explained that the company had determined that it was cheaper to litigate our case than it was to pay the costs of Marissa's hospital stay.
Well of course it was. Blue Cross and Blue Shield had lawyers on retainers.
I was extremely angry. Here, my daughter was fighting for her life. She was doing her part but this reprehensible insurance company was going to drop us.
The term is called rescission.
In contract law, rescission is defined as the unmaking of a contract between parties.
Rescission is the unwinding of a transaction. This is done to bring the parties, as far as possible, back to the position in which they were before they entered into a contract.
I told Lyman that I would fight him.
That's were he explained the reality of the law at that time.
Insurance companies could get away with dropping customers that got sick because they had more money for attorneys and would tie the case up in courts for years.
He told me that the company would break me.
I was outraged. For five years we fought this case until we ran out of money.
After spending $20,000, all of our savings, we were broke and unable to pay our attorney for further action.
I took all the information from our attorney to St. Joseph's Hospital administrator and told him our story.
He agreed to take the case over and they won in New York States Appellate Court with an appeal after losing initially.
We never got our money back.
Marissa was deemed as having a pre-condition and was uninsurable.
Preemies are subject to respiratory illnesses so every case of pneumonia.
There were many.
We ended up filing for medical bankruptcy and our finances were always difficult because no sooner would we start to get ahead, Marissa would get sick and we'd have the hospital bills again.
Now, with Obamacare, insurance companies can't do this anymore.
I've waited for 26 years for government to hold insurance companies accountable.
Now President Obama's law does.
And Republicans want to overturn it? Are you kidding? Why?
I don't want to have to buy from a corrupt insurance company.
When Blue Cross is made to pay me and thousands of others back for all of what they took from us when we fought them to enforce a contract we had, then I'd consider buying from a private insurance company.
These private insurance companies have gotten away with a lot.
No one asked them to make amends for all the problems they've caused millions of Americans.
Now they are rewarded for their crimes with 30 million more customers that will have to buy from them with no real competition like a buy in to Medicare?
I don't think so.
The President's new law needs to go further. It needs to be a single payer system and adequately reimburse providers so they will take Medicare patients.
When Republicans say they don't want government running health care, I say yes they do.
Insurance companies act when no one supervises what they do. We need regulations. This is what happened to me and my daughter.
This is why I don't like Obamacare because in my opinion, the law doesn't go far enough to offer true competition and hold insurance companies as accountable as it should.
Those of you that say we don't need government sticking it's nose into the healthcare business, don't know what you're talking about.
You were never dropped and forced into bankruptcy because of one of these corrupt insurance companies. And I don't care if dropping us was 'legal' at the time. It was wrong and it hurt me and caused me to fight them tooth and nail.
I won't stop exposing them until they are ultimately held accountable for all the crimes they've committed to the American people they've cheated.