Am listening to political speeches! I have to mention pre existing conditions or lack of. Years ago when I had my first child Laurie, there was no health insurance available for pre-existing conditions. It happened that when I got pregnant in Youngstown,
Ohio, my husband was still looking for a job. I saved every penny, to pay for my Dr. And hospital bill. But low and behold, and totally unexpected, my baby girl was born with serious birth defects, including 5 heart defects.
At that time I was perfectly healthy, I didn't drink or smoke, and only gained 20 lbs! I did have a flu virus at 3 or 4 mos. pregnant, the Dr's thought that could have been a factor. Bottom
line my precious baby girl had no health insurance and we couldn't get any!
By then my husband had a job with benefits, but wouldn't include Laurie because I was pregnant when he did get a job.The Heart Assoc. eventually, stepped in to help a little, we were in debt
long after she died at the age of 6 months. No pre-existing conditions allowed!
Fast forward to many years later. As a Realtor, I am and have been "an independent contractor", for 44 years! Many folks don't realize that we pay for everything ourselves, health insurance,
total SS payments ( entitlements !!, that is a joke ) etc. In 1994 I had two ankle fusions, Blue Shield upped Premium, couldn't change Insurance, in 1997 I had to have two hip replacements.....I tried to hold off on one, and I was at an open house on crutches
and my whole hip joint crumbled.......so My premiums jumped to over $2100 a month, for me only, paid by me, I couldn't shop or change, no one would accept me!
Everyone screams about Obamacare, I am finally on Medicare now, they accept pre- existing conditions! So folks,
young especially, you NEVER can predict when a medical disaster will hit.....be sure you have good Medical Insurance whether it is Obamacare or improved version suggested by others, and be sure it allows for pre- existing conditions. Not just for you, but
for your family!
As an aside, I'm not sure how they work, but some have suggested medical saving accounts. Boy, That is possibly dangerous......young folks, including myself said, thought "it will never happen to me"......It Did! My little savings wasn't close to being enough! I'm afraid folks will squander
dollars in savings accounts......have to educate myself more on these!