Because it will deny a healthy 20-something with no medical problems a bare minimum health insurance plan.
Last year, thanks to Obamacare, I was able to get health insurance for 6 months through my mother’s work plan. It was a blessing. I got every exam one can be examined for, physical, gynecological, and my throat had been hoarse for a while so I thought I’d check that out too.
I regret all those appointments.
At my physical exam I learned that I was slightly underweight, but terrifically healthy nonetheless. Hooray!
At my gynecological exam I gave the doctor a thorough review of my lifestyle, including my healthy diet, exercise, and use of marijuana in the last five years, because I am a sinner, you know.
An ENT concluded I didn’t have polyps, but did have slight swelling. Nothing a couple of speech therapy sessions couldn’t fix.
And now all of this was on record in Kaiser’s files. I reapplied for Kaiser Permanente health insurance after I was no longer eligible for that sweet sweet Obamacare. I mean, I had such a great time there, why not keep the party going? Since I’m poor, I pretty much had one option: For $74 a month, I could get a plan that covered no dental, no eye care, no prescription medication, no birth control, and no doctor’s visits. BUT it would cover me in case heaven forbid a car should run over my body and all my limbs would have to be replaced with robot limbs made out of titanium or aluminum or paper mache, whatever’s cheapest I’m sure. Awesome deal, right?!
I filled out the 27 page application, and like an idiot, answered each question honestly trying to match my records previously existing at Kaiser Permanente. Here is part of the letter I got back:
Foolish girl! Why oh why did I enter in my actual weight and height?! I should have known better than to not have tape-recorded my physician saying I was totally healthy, then transcribed it for readable proof later on. Did I have to mention I had minor throat swelling (NOT polyps, as the letter inaccurately states, and I made a SPECIFIC clarification stating so.)? And don’t anyone start to get righteous on the fact I should have never smoked pot in the last five years, so I should be denied coverage. Let he who is without sin admit they’ve never been stoned. That’s how that saying goes right?
And here I thought I had ROCKED that application. Zero family history of heart attack, diabetes, anything, no asthma, no ADD, no mental health problems, no dangerous lifestyle activities, 30 minutes of exercise a day, vegetarian diet. Give me my health award already! Apparently none of that counts if you have a high metabolism, had a doctor confirm you had a sore throat, or went to just about any party in LA.
So guys, if heaven forbid you see me lying the the street in a pool of my own blood from being hit by some car, DO NOT take me to the hospital! My family can’t afford it.
It’s no secret that health insurance companies aren’t interested in covering the sick/people who need it most. But if they won’t cover the healthy either, then…what…do we do?