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Budget Baby: It's Healthcare, Stupid

The rising costs of healthcare, even for those with insurance, are causing increasing strain for American families.  In a so-called "soft" economy, fewer people are willing to pay the rising out of pocket costs to get the basic and preventive care they need.  As employers shift more of the burgeoning costs to employees, the healthcare crisis touches more American families.

It's not just about the uninsured anymore, though those numbers are climbing dramatically as well.

Anecdotally, grocery stores and coffee shops and banks are so frequently populated by pictures and stories of families with young children asking for help offsetting healthcare costs for some rare form of childhood cancer or leukemia or disease, I wonder if healthcare costs will eventually drive all us to financial ruin, but those are just on my cheerful days.

My family gets by with some of us on catastrophic (huge deductibles, covered in emergencies only) and some of us on 80/20 employer plans (Do employers ever cover dependents anymore?).  At least Florida is onto something....

Meanwhile, what does your family do in regard to health insurance?


Comments

 

Ashers mom said:

My husband is a teacher so we are covered by the school district...we are some of the lucky ones.

May 6, 2008 2:18 PM
 

renee said:

I didn't see the original post about Florida, but I'm not wild about singling out autism.  Why not just fully fund Early Intervention and require insurers to pay for developmental services for all kids with developmental disabilities?

May 6, 2008 2:18 PM
 

chyna823 said:

There is a special place in hell for (most) healthcare insurance executives. After we paid more than $12K in premiums last year, our carrier paid less than 40% of the cost of a very necessary surgery for our daughter. But we were forced to continue the coverage because if we were ever going to be insured by anyone new, we didn't want to get dinged by the "pre-existing condition" rules. It's ridiculous.

May 6, 2008 2:22 PM
 

Sheri said:

Renee,

I'm the mom of two (most likely three)boys on the autism spectrum.  I agree with you about coverage for all developmental disabilities.  Autism is probably singled out because in many cases things like speech therapy and the like are covered until the child was diagnosed with autism.  I have a friend who went from paying a small out-of-pocket co-pay for her son's speech therapy to paying $195 per session--all because her doctor put her son "on the spectrum".  If her doctor had not diagnosed her son, her insurance would still be picking up the tab.  

I know Indiana's early intervention program, First Steps, has been great for our family's needs, but I think they are planning on cutting costs.  The same goes for special education here.  The sad thing is, we are literally throwing away an entire segment of society.  Many of these children have a great chance to improve if they receive the much-needed therapies as early as possible.  By spending a bit more now, we would be saving much more later by enabling these children to have the chance to grow up as "normal" as possible.  They could grow up and give back to society instead of taking from it (and I'm talking about needing additional services and SSI).  

My oldest son was diagnosed with autism back in 1993.  He attended a special needs pre-school.  I was told at the time he would not talk, socialize or learn.  I didn't believe that so I fought for what he needed.  He is graduating from high school this year.  He has received varsity letters in track, orchestra and cross-country.  He's went to every formal dance his school has put on (with a date).  Is he going to cure cancer???  No.  But I believe that he will live on his own one day, and he is able to work.  

We pay premiums that are sky high in 95% of the jobs out there.  We need to make sure we get what we pay for.

May 6, 2008 3:44 PM
 

AnneAC said:

Health insurance premiums and deductibles are smothering us. Tack on our student loans and we're just barely making ends meet.

May 6, 2008 5:47 PM
 

Angus said:

I, as a Canadian, just do not understand how you guys deal with this stuff.

Our universal health care certainly isn't perfect, but I can go to the hospital and have my baby and only have to pay approx $30 for a private room because husbands work plan only covers a ward room.  

Friends just had a daughter born with spina bifida.  She is in the childrens hospital and they don't have to re-mortgage their home, of work overtime and be away from her, to pay for her care.  Now there's an oxymoron.

I don't run to the dr for every hang nail, and if I needed an MRI I'd likely have to wait quite a while, but I don't know that I could afford one if I lived in the US anyway, so I don't complain.  Maybe ask me when I'm in old age and have actual health problems though.

May 9, 2008 2:27 AM

About Rachael Brownell (Redsy)

Rachael is mother to three daughters and lives in the beautiful Pacific Northwest. She writes at Redsy.com and ImperfectParent.com

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