MOMocrats are honored and happy to welcome successful author and advocate Melissa Stanton as a guest blogger covering the ongoing health care reform discussion. Today, the Senate Finance Committee is voting on the health bill. It's a landmark day, and hopefully the Senate will hear voices such as Melissa's on this topic. She offers the perspective so many of us can relate to: a "rags to riches to rags to riches. . ." history of on again/off again health care. Read on for Melissa's story. . .
I’m very lucky. I have health insurance through my husband's corporate job.
That coverage, though, requires that we pay several hundred dollars a month out-of-pocket toward the premiums, and of course for the deductibles, co-pays, etc. But, we didn’t have to apply for the insurance, and since it’s a group health plan, we couldn’t be denied coverage due to any pre-existing conditions. (Have you heard? A c-section can be considered a pre-existing condition.)
Although my family is currently blessed with decent employer-sponsored health coverage, I am a strong believer in health insurance reform, including a public option. Experience tells me that good fortune doesn't always last.
As a child in the mid-1970s, my father and stepfather were both unemployed at the same time due to corporate layoffs. Although my mother and my dad's wife worked, neither had jobs with health coverage. I remember being very sick (with some strange allergy that left me puffed up and covered in hives) and not being able to see a doctor due to our lack of health insurance, and money.
As an adult, my insurance fortunes have varied between near rags and comparative riches.
I landed a staff job with benefits soon after college. However, when the magazine I worked for folded, I spent $400 a month for medical and dental coverage premiums as an unmarried 25-year-old. My access to coverage came through COBRA, the federal law that allows workers to keep their employer-sponsored health benefits for 18 months after a job loss by paying the full cost of the premiums. (In response to the bad economy and the escalating cost of insurance premiums, President Obama signed legislation earlier this year enabling laid off employees to pay just 35 percent of the cost of coverage for nine months. While $350 a month in premiums sure is better than, say, $1,000, it's still a big bill to foot when you're unemployed. Not only that, the discount and the coverage expires.)
Fortunately, I immediately found work after that layoff; however, my new employer (one of the largest magazine publishing companies in the world) hesitated to put people on staff, lest it have to pay for benefits and absorb other employee costs. So I worked as a freelancer, or “independent contractor,” which meant I did the same work as staff members did, but without any insurance, paid vacation, 401-k or job protections. Marriage eventually supplied me with coverage, as did my eventual hiring as a full corporate citizen worthy of a fantastic package of employee benefits.
A decade later, when my husband lost his Wall Street-area, Internet-industry job due to layoffs and accepted a hard-to-turn-down consulting position in Maryland, I left my corporate career in New York. Although I redirected my work efforts toward freelance assignments and caring for our toddler son, because my spouse received no employee benefits (remember, he was a consultant), I sought out a family-flexible retail job that paid just $10 an hour but provided health insurance for a 30 hour week. (These days, with employers, and especially retail employers, slashing hours and benefits, such a work-for-the-insurance option might be nearly impossible to find.)
Soon after, I became pregnant with twins. I quickly became too sick to work and was put on bed rest. I had to quit the job. (I hadn’t been there long enough for disability leave.) We wound up paying nearly $1,000 a month for family coverage premiums through COBRA. We were lucky to be able to keep (and afford) the employer-contracted group coverage. If we'd been forced to shop for private insurance on the open market, the cost would have likely been higher, and my pregnancy would almost certainly have been deemed a pre-existing condition and excluded from coverage. By the time our 18-month access to COBRA expired my husband had become a staff employee, and with that change in status we were once again the beneficiaries of employer-sponsored insurance.
Recent Comments