Tag Archives: health insurance

Health Insurance on the Rise – No surprise here!

dollar-1175293_1280Are we shocked?  No! I personally am beyond disappointed and furious at the upcoming 2017 health insurance – all across the board! It’s really almost embarrassing how we have allowed healthcare to evolve in this country.

Going back to December 2015/January 2016, I qualified for and purchased ‘Obamacare’ (a/k/a The Affordable Healthcare Act). Being that I am considered an independent contractor (IC) on my job as a medical transcriptionist (most transcription services are too cheap to consider us employees and will not cover us for health insurance or any other benefits). [Note: While temporarily being an Uber driver, I too was considered an independent contractor, but they at least offered some type of health insurance for their drivers if we so chose – which says that companies could have had it for their IC’s!] My monthly premium was $251 for a somewhat new, up and coming health insurance in Georgia (also offered in 1 or 2 other states) called Harken Health. Over these last 11 months, I can tell you that Harken Health was the elite –  the crème de la crème   of all insurances as well as health care facilities!!!  They were similar to Kaiser where they are an insurance company, as well as a healthcare facility where you can go and receive health care whether with your primary care and/or specialties). They have several offices throughout the metro Atlanta area. Their services consisted of having a ‘health coach’ – a licensed individual who was literally at your beckoning call whenever you needed them. All preventive medicine visits, i.e., vaccines, shots, even specialty office visits such as cardiologists, dermatologists, etc. – there was never a copay! OMG where does THAT exist in 2016!!

Now that the 2017 enrollment has opened, my year-long run of spectacular health care has come to a screeching halt. Harken Health (along with many other health insurance policies) have decided to leave the Affordable Healthcare Act. Because this country is so bent and bound on repealing Obamacare, along with having the greed mindset, many insurances have pulled out of the Affordable Healthcare Act for 2017 going forward. If I choose to still be a part of Harken Health (individual plan – outside of Obamacare) the price will skyrocket from $251 per month to – are you ready for this – $1000 per month premium! More than a car note. More than some rent/mortgage.  I was so infuriated by this, I guess you can say I had an anxiety attack (and/or heart palpitations) in which my heart rate rose to 127 beats per minute over the next several days. Not good for a person with heart disease.

Harken Health is not the only one. In searching out other health insurances for myself, they ALL have risen to a ridiculous price for monthly premiums. I found no policies less than $637 per month for health insurance that I would have to pay for my at my age, my health issues, etc. (They say that preexisting conditions are no longer considered, but it sure is funny that when seeking out a suitable health policy, they do ask you ‘how often will you be going to the doctor in 2017? Do you think you’ll be going to the doctor more than 6 to 9 times per year?’ Okay….why are you asking me that if you’re not considering my age and my health problems? Ugh!

So those of you who thought Obamacare was nonsense, too expensive and ‘needs repealing’, I found it to have saved me money in my prescriptions, saved me mentally in dealing with life stressors by having a knowledgeable health coach and just overall genuinely caring for ME as a person!

Needless to say I am on the hunt for new coverage as well as a new job where I will not have to be an independent contractor, or if I am one, make triple the income where I can afford insurance……Good luck with that!!!

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Establishing Preventive Medicine CAN Help You

meditation-1023497_1920So this, what I call ‘new wave’ of health called preventive medicine is sweeping this country as opposed to many and often long ER visits.

Some weeks ago, I had an encounter through my health insurance to establish a new primary care/preventive medicine, which now is no cost and no co-pay to the patient when you do have insurance. Actually I can say that that was a wonderful ‘experience’! With my many, many health issues, they (my ‘health coach’ and my nurse practitioner) spent an enormous amount of time with ME – not my medical record (EMR) but with ME.  Of course the health coach had to input all of my information into my newly established record, but I could SEE everything she was inputting!  Each and every health and/or behavioral issue I mentioned to her, she immediately stopped me to see what she and I can do to prevent further occurrences or problems.  This was the first time ever I didn’t feel rushed to get out of a doctor’s office so they can get to their next patient. I felt they were genuine in getting to the root of ALL my issues.

It feels really great to get a weekly phone call from my health coach just checking in on me, balloons-1175297_1280seeing if I’m reaching my goals for the action plan we put together, seeing if I’m doing MY part in staying healthy.  The problem I’m seeing though in the future is that these insurance companies, and I mean major ones, are pulling out of this state (as well as other states via the Affordable Healthcare Act) to put a halt to this preventive medicine.  Why? Because THEY are not profiting from preventive medicine!  (Sigh). It is already expensive enough to pay a monthly premium, to see other specialists and to pay for medications, etc.  If you don’t think your health, wellness and insurance won’t affect you starting 2017 and onward, think again! If you are not on top of your own health and wellness you better start because I believe this country is going to be in for a rude awakening very soon!  When is this country ever going to stop being greedy and really start caring about people again when it comes to health and wellness?

In the meantime, at least for this year, I will continue with conquering goals and actively participating in ways to prevent further health issues. A big, big shout-out to my Harken Health/United Healthcare through the Affordable Care Act for showing that you do care and believe in preventive medicine!