I try to be open minded, I try to see both sides of the issue. What's most concerning to me is my own side of course. WARNING: This post gets VERY personal. And quite rant-filled. Do I complain a lot? I feel like maybe I complain a lot... but I don't try to...
Let me begin. Yes, I've had a child before. I found out in May 2012 and then the next day my husband got a job. I put off seeing a doctor as long as I could, because what are they going to say? You're pregnant. I know. You're [this far] along. I know that too. Your due date will be [date]. Yeah I figured that out, thanks, anything else? Uhhhhhhhhh. And then I'd have to pay them. By the time people convinced me to go, of course my husband didn't have insurance yet and without the ACA, I believe I wouldn't have been able to get it because of something something "pre-existing condition" something something. (I don't understand insurance very well even to this day). I was not yet 26 so I was in fact still covered by my parents' insurance, also something made possible by the ACA. I don't remember at what point we switched over to our own insurance but either way without the ACA I am pretty sure I would not have been covered. Paying all the bills after delivery was very shocking and nearly made me broke. I mean, $50 for the inflatable pillow to make sitting more comfortable afterwards. $1 each for the pills they gave and a $2 fee for the nurse to hand it to me! The epidural had it's own separate bill all by itself, but I guess insurance on those is all right because I only had to pay $78 for that. I didn't save any of the bills themselves so I don't remember any other specific costs but I don't like having to pay that much money ever, the total it came out to. Note: without insurance, I most certainly WOULD have gone completely broke. For having a child.
Without provisions made possible by the ACA, What could I have done? At the time, newly married, barely employed, part time and with no benefits at the jobs I had (yes I had, like, 3), just graduated college, never lived on my own or been responsible for all of my own bills before... What would it have been like? Again I have literally NO idea how insurance even works. But I think I know enough to know that I wouldn't have had any. So how would I have paid a doctor? I wouldn't have been able to. What about a midwife? Most I had heard of also cost a few thousand dollars that I didn't have. And anyway, if you have a midwife and there's any complication they have to still take you to the hospital anyway so more thousands of dollars there. Try to give birth in my bathtub? I tell you the thought crossed my mind many times and I watched hundreds of YouTube videos about it. But then what would I do? Would still have to go to a hospital at some point. And I know enough to know that emergency services cost WAY more than regular services. So I went with a doctor! In this country I just don't feel any other way can work financially! And thanks to the ACA, I think, we did it! Without filing bankruptcy or anything like that! For having a child!
For the kid, I tried to look into Medicaid. I attempted filling out forms and stuff probably 3 times and it was impossible so I gave up. Someone made me go to WIC and thankfully I was able to get assistance there. I won't go into this one but it was terrible.
Fast forward almost 5 years. I'm pregnant again. Found out in January. If not for ACA mandating maternity care be provided, I wouldn't have known in Nov or Dec or whenever deadlines happen for enrollment that I would need it this year. I know plenty of other people in the same boat. But does that make me financially irresponsible? If I had the choice between a cheaper plan and a more expensive one I generally go for cheap. Because budgeting, people! I and my husband both have full time jobs and to be honest here we don't make more than we spend. It sucks. I hate it. I'm trying to save money everywhere. But we have house payments, HOA fees, 2 car payments, taxes to pay (sometimes I really hate you, uncle Sam), other loans we're trying to pay off. Retirement plans. Car and life insurance. Utilities. I think his wage is more than mine but since the health insurance comes out of his check it looks about half of what I get. Did I buy one too many iPhones in the last 5 years? Maybe. But honestly, $30ish dollars a month for those gadgets is not going to make up for what I'm paying and what I'm about to have to pay coming up shortly. (This is me trying to see Republican side of things--they call my spending irresponsible, and I can agree to some degree however even if I cut out the things they think I shouldn't have done, it's no better! Middle class is scary, guys. Freaking scary.)
When I went to my first appointment in April (see? I put it off again) and I couldn't find my insurance card, they told me I had to find it or I would have to drop $300 before they could see me. EXCUSE ME. $300 to pee in a cup and have blood drawn, they tell me I'm pregnant. Yeah I know. You're 16 weeks. Yup, already knew that. Your due date is [date]. Figured that much, what else? Uhhhhhhhhh. Guys I found the insurance card (or rather had my husband text me a picture) so I didn't have to pay that outrageous amount of money, at least not right then and there. They are still going to get their $300 though, aren't they?! This is not a problem with the ACA or the old way of things or anything to do with insurance, is it?! Methinks there is another problem that needs addressing... can you figure out what it is? What's also not fair about this is when you show up and you DO have an insurance card, at what point do you get told how much the services will cost? Who knows the answer? WHEN YOU GET THE F-ING BILL is when. I have an issue with this. It isn't solved by the ACA, it isn't solved by the new "plan," if you can call it one, it won't be solved by just repealing the current law.
I know a lot of people pay more now than they did. I know a lot of people will go broke if they lose coverage. I know there are irresponsible people out there who are getting more than they deserve. But I also know I have benefitted from ACA, and am pretty certain I'll be screwed without it existing. I can see to some extent why Republicans don't want it, in like a very figurative way, but when applied to my ACTUAL LIFE all I can think is WHY FOR THE LOVE OF ALL THAT IS GOOD WOULD YOU WANT TO UNDO SO MANY THINGS THAT ARE SO GOOD FOR SO MANY AMERICANS. I believe there are other issues to be addressed. If I didn't have to pay $300 for one appointment up front, the insurance company is still going to pay them that. Is that not why insurance costs so much? Why do they deserve $300 for one appointment like that? Related note, why did I go see a doctor 12ish years ago because my arm hurt, he had no idea why--and said as much to me, but he still gets $200? Why did I go to InstaCare 4 years ago for a rash, take 2 tests and have them say there's nothing they can do for me (at least they told me what I had, or maybe they only told me what I "probably" had) and then they still get $400? Why did I call 911 when my husband was threatening suicide 2 years ago, the police took him to the ER, they asked him a few questions and told us to get counseling, and they still get $1300? Someone needs to answer me those, and THEN tell me why I'll be out probably minimum 2 grand JUST TO HAVE A BABY, and since I don't get paid maternity leave at my job tell me what am I supposed to do without $3000 in lost income, and explain to me how this would all go down if there was no ACA, and what anyone is going to do about it.
I have NO problem paying for mandatory care for things like maternity and stuff. What I do have a problem with is that the industry can charge SO MUCH for it. And for everything. How are they getting away with that?! I understand doctors go to a lot of school and training and maybe they deserve a lot but I don't think they and the hospitals and everyone deserve enough that people have to go bankrupt to be helped. ($3 for every OTC pill they give you? It's probably more now...) Perhaps it's an ethics thing. As an American, this is where I believe the focus should be. If outrageous profits could be lessened, the costs to insurance companies would be lower, and therefore the costs to us Americans would go down. That's what people are mad about. That's what I'm mad about. The cost. I admit again, I don't know much about insurance, but isn't that at least partly true? I pay them monthly so they have a bank so they can pay most of the bills with the money I already gave them, and if that's not enough, some of the money my neighbor gave them too? And that bank would sure as heck stretch a lot farther and help more people if the bills weren't so much. This is what is wrong with our system, and this is what needs to be addressed.
In the meantime here I am, my middle class self, working every day no matter how sick I feel, if I have to go in late because of it, staying late at night away from my family, doubling up and doing any extra job I can to get more income, paying my bills as best I can, not seeing the balances go down fast enough, knowing every day that by the end of the year my entire debt will double and there is nothing I can do to stop that from happening. What does my God-fearing Christian faith do for me here? Dear GOP, it wouldn't have stopped me from getting pregnant. I mean, come on! My 2 kids are already 5 years apart without birth control! You can absolutely bet that I will be looking into it after this! I don't think I care either way if it's covered or partly covered or not covered (maybe I would care more once I know how much it COSTS) but whatever I end up paying for it will be less $, or at least more bearable than 5 grand at once or more if with no maternity coverage. Please don't call me irresponsible. Name one family in my income bracket with more kids that is not receiving some kind of assistance. I like not receiving assistance, that makes me feel pretty responsible, actually. Don't look at the numbers in regards to what you are debating currently, look at the people. And the real consequences, not just the economics. Stop making this a partisan thing and being jerks to each other on the Hill, and please stop bad-mouthing constituents who didn't vote for you because you still represent them too. I know mine is only one story but I had to share it. Whether anyone reads it or not, I got it out of my head.