SunnyBeBe wrote:I appreciate the stories concerning why it's difficult to treat sleep apnea. I hope that awareness can be brought about soon.
I will say that the people I have spoken to admit they have sleep apnea or that they strongly believe they have it based on strong indicators. Yet, they don't have any real motivation to treat it. I would think that spending time around a person with Vascular Dementia, strokes, heart disease, would get one's attention. A little research online lets you know the dangers, even if you don't believe your own doctor.
I'm confused about health coverage. With Healthcare.gov, I'm not sure why everyone in the U.S. doesn't have health insurance coverage. It took me about 5 phone calls, but I located a place to do my sleep study with only $20.00 up front. The rest was my deductible and I could pay over time.
Sounds nice, but that is not what most people have access to. A couple years ago, as the program was starting, my job contract was in negotiations, and the main issue was health insurance. My employer was trying to drop our plan. So, I did some looking at the government website to see what my options would be. My monthly premiums would have been over $200 (that was after the subsidies). (My current premiums are $36 a month). I live paycheck to paycheck already, so $200 a month would be a huge increase for somebody like me. I am borderline on the edge of qualifying for assistance. I did the online test thing, and it said I would qualify for $16 a month in food stamps. So, while the assistance wouldn't be much, I am clearly not considered rich either.
Okay, onto the plan. $2000 deductible. My current plan has a $500 HRA account (basically, I get all my premium back in the form of a medical bank account that gets used before the deductible starts). Then I have a $250 deductible. Only then do I start paying for doctor bills or equipment. With the government plan, I would have to be in the hospital or diagnosed with a new disease to ever get close to finishing the deductible. To use the government plan, I would need to pay over $2400 in premiums and $2000 deductible before getting any use of it. Why bother? I would be better off putting $50 a month into a new bank account and stay off the insurance.
I met a lady awhile back with the government plan, and she had a prescription for a monthly asthma inhaler. Even with insurance, the cost was almost $200. Per month. So, no inhaler for her. I get the same inhaler, and my copay through my employer based plan is $22.
Both my brother are sister are self employed. Neither one qualifies for subsidies. Neither one can afford the premiums for a basically useless plan. Both go without insurance and pay out of pocket when needed. I have a good friend in the same situation. Also self-employed. Income is based on the business income, so they look better than they really are day to day. So, they don't get a good deal.
If everybody could get decent plans like the employer based plans, then yes, it would be awesome. But the government plans can only stay afloat if more people pay in than receive. So, the rates are higher, and people sign up because they think they have to, not because it is what they wanted.
My contract will be up for negotiation again next summer. Not looking forward to it. I suspect I will be joining the uninsured. I was really hoping the healthcare plan would be fixed up a bit by now, but it's not looking like that will happen anytime soon.
I am glad that it is helping some people. But clearly, those with medicaid or the VA system are struggling with long delays and limited choices. They may be getting assistance, but it isn't great. And those who are borderline aren't getting much help from it either. If you want good health insurance, you need to be rich or have a good employer based plan.
Who would have thought it would be this challenging to sleep and breathe at the same time?