Share Your Story: What do preventive health services with no co-pays or deductibles mean to you?
Has cost ever kept you or a family member from getting preventive care? Has it forced you to make tough choices, like delaying a health screening despite family history or putting off paying a bill so you can afford to see a doctor? We also would like to hear about any success stories! Have you received a benefit with no co-pay? Whatever it is, we want to hear from you!
Thanks to the health care law, new insurance plans are required to cover certain women's preventive health services with no co-payments or deductibles at the start of their next plan year. According to the Department of Health and Human Services, 47 million women will benefit from these new services. That's huge!
Tell us — what do preventive health services with no co-pays or deductibles mean to you?
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Your Stories
Michael E. Bailey
Mission Viejo, California,
Preventive care services mean to me being able to spot cancer or heart or blood vessel problems at an early stage when they are much easier to treat and the cost of treatment is far less. Early treatment has the best chance for success and interventions are less invasive. This is a great thing for me personally.I am also Vice Chairman of Area Disabilities Board 11 in Orange County, California, and I can tell you that these preventive services are very much appreciated by Orange County's disability community. They have helped the clients we serve lead healthier, fuller, more independent lives. And being able to live lives of inclusion and as independently as possible in the community is what California's Lanterman Act has been all about. The disability community, which I am a member, really appreciates these services and are very glad that they are available.
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Helen Levin
Staten Island, NY, retired
I fully subscribe to preventive care, particularly as an individual who takes responsibility for my health.However, despite the fact that I am an older person who receives Medicare, my physician, whois an alternative/complementary MD, does not take Medicare payments. He requires full payment incash and he is rather expensive. And since I do not like to go to allopathic medical doctors, I find myselfmaking sacrifices financially to see him. It would be great if in the United States our alternative doctorsreceived the respect and inclusion in the accepted protocols of Medicare! THE FACT THAT THEY DON'T IS THE PROBLEM. For instance, if Medicare and the FDA accepted the practice of IV drips of vitamin C, etc., then our doctors would be paid! It is a matter of practice.But no! Big"pharm" and their practices of using only patentable (i.e. lucrative products) + their enormous influence on the FDA (interlocking directorates?) and Medicare is wreaking havoc here. Good medical practices and preventions is being destroyed before it is even born in the US, and preventive medicine and holistic care are barely available unless we pay dearly, as I do.
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MichelleK Mondragon
Denver, CO, unemployed
As a state employee I'd always had my family enrolled in a co-pay HMO. But when the industry began to change, so did he insurancce benefits.. My eldest son graduated from college and found a great job with an internet carrier. Within 18 months, his job had been shipped to India. Other jobs he had, he paid high prices for his insurance, now he and his girlfriend are wihout any.The service industry at the college I worked at was going private - buy-outs were upcoming or you could stay and start over again. I had 17 years. I chose to go on with my education and attended an out of state college, with COBRA coverage, for my youngest and myself, only. Soon we found ourselves without a COBRA option, so added a school insurance policy - it was too high, and we never used it, as the Health Center at school provided normal visits for me, so I never renewed it.The state offered a Medicaid partial insurance for my son - Peach Care for Kids. It was great, my son had his own doctors and dentists, and I paid a reasonable price for the insurance. The clinic serviced my needs and PC had our back, with my youngest son.It's five years later now and a few months ago I jgraduated from with my graduate degree. However I now find myself without any form of medical treatment; and I have no abiity to pay for any type of treatment, due to unemployment. My daughter and her children are on Medicaid, due to her unemployment (their dad had them on his plan until he lost his job). My eldest son and family have insurance for their young son only; he works a part-time job (unemployed for 6 mo before the part-time job) and she works a full time job, in a factory. My son has a BA. And years of work in various trades.My youngest has no insurance; he works one full time and one part time job, just to make ends meet. He's been without insurance since he was 18 years old. None of his employers carry health insurance.We are all part of the 47%, we don't want to be dependent on the government, and prior to this spirial downfall we've never asked for Medicare for our children. But the moves made by 'others' has left us dependent, but we only do this for our children's sake. We'd all like to have our full time jobs back, work hard and come home to healthy and happy families, at the end of the day. We want a more responsible society, where everyone works at getting 'us' out of the hole of despair (unemployment) and back to paying for our own health care needs (employee benefits).
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Mella Gregg
Hedgesville, WV West Virginia, Registered Nurse
I was a student, away from home and in college. There was a Planned Parenthood on campus. One day, I started hemorrhaging. I went to the clinic and they sent me straight to the hospital. If it wasn't for them, I probably would have had a lot more problems than I did. They also gave birth control on campus. This allowed me to finish my education and eventually become an RN. Many unwanted pregnancies were prevented. As far as I'm concerned, that is taking responsibility.
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Mella Gregg
Hedgesville, WV West Virginia, Registered Nurse
I was a student, away from home and in college. There was a Planned Parenthood on campus. One day, I started hemorrhaging. I went to the clinic and they sent me straight to the hospital. If it wasn't for them, I probably would have had a lot more problems than I did. They also gave birth control on campus. This allowed me to finish my education and eventually become an RN. Many unwanted pregnancies were prevented. As far as I'm concerned, that is taking responsibility.
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Margaret Cherubin
, CT,
Preventive health care with no copays allowed me to get the detection and treatment for breast cancer. It's that simple!
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Michelle Playter
Olympia, WA, uemployed
If I could get preventative health care services for no copays then I would get them . I would not have to worry how I would get the money for the care.
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Jenny Walker
, New York,
The current provisions that cover preventive health services are important first step - but no where near enough. Currenty, I am a Family Doc and provide care for people of all ages and incomes. In the past I was underemployed and uninsured and unable to afford any health care. So, I see things from multiple perspectives. These Preventive Health provisions will enable many of my patients to afford contraception, preventive screenings, etc. However, they are 1) for those with insurance and 2) do not cover the cost of additional care that might be needed. What is needed is publicly-funded, single-payor, universal health care, as is available in many other civilized countries (industrialized and not). This does not mean a "Medicare for All" since Medicare pays 80% and individuals have to pay 20% (and then private insurers sneak back to rob the piggybank.) VA care-for-all would be closer since the VA provides full coverage..... It does not need to be as obscenely over-indulgent as "Chaney Care" has been but needs to be equitable and available to all.
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Rosemary Diehl
West Palm Beach, Florida, sales
After 10 years working for a company the company was purchased and 41 of 50 sales reps were let go in 2008. Since then I have held a myriad of jobs, some with health insurance most not. I have not had a teeth cleaning since them. I went through a major depression and was fortunate enough to get into a clinical trial. Fortunately I have healthcare right now and am up to date on well woman care and mammogram but I was not until recently. The mammogram really scares me to not be current on as my mother had breast cancer when she was 10 years younger than I am now. I try to eat healthy and take my vitamins so that I don't get sick.
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Tracy Sherman
Seattle, WA,
For me preventative health care means not having to pay a copay for birth control. I hope this will mean that women would previously couldn't afford birth control now can.
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