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
Bob Duke
, VA,
My nephew has a brain tumor and needs expensive medical treatment. I fear my sibling will go bankrupt if Obamacare is overturned.
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tanya marquette
new paltz, new york,
I have never had medical insurance as an adult. I do not believe in the medical industry that exists in the US. It would be a good thing if we really had health care based on evidenciary science and not what the drug and chemical corporations foist on us. There are times when getting a meaningful diagnosis would have been helpful such as the lower back pain that has plagued me since an auto accident last year. There is no way I can afford the runaround between so-called specialists who might diagnose the problem. All they want to do is give drugs which I would not touch. They don't heal; only supress and then do additional harm. What would be meaningful is full access to all healing protocols including the holisitic ones. Without such health freedom access, medical insurance is a very scarey and unaffordable prospect.
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Nancy Judd
Keene, NH, adjunct college professor
I am semi-retired and I remember well the years that I paid out of pocket for my Pap Smears and Mammograms because they were not covered by my insurance.Now that I am living on Social Security, if Medicare did not cover them, I would not be able to afford getting these services.
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Anita Gault
Jul, SC, unemployed
It really upsets me to know that there are so many Americans that do without health care. Many lose their wealth and their health because of this. That is a disgrace to America workers. I have worked all my life, once I started having medical issues the employers wanted me out. Just because some of us have health issues does not mean that we can not be productive in society., Nor should it be a leverage for employers to be able to get rid of a employee. There is not an Amercian that does not need health insurance. It should have nothing to do with who you are, race, age, ethnic, etc. It is wrong for women to have the same job as a male but not have insurance. That is discrimination and I have been discriminated against in this manner. Health care needs and over haul so that Amercans can get medical assistance. It is about saving lifes not losing them because America health Insurance System needs overhauled. Women or children should not be punished just because they are from single parent families. Wake up Washington you are hurting Americans and the deversity that America is about. God please help our health care system save lifes not hurt lifes and their families. I have spoke to many elderly that have worked all their life but they have to do without because our health system is failing Americans.
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Karen Garrett
Scottsdale, AZ, unemployed
I have been unemployed for 2 1/2 years except for some part time work as a caregiver for my mother. All the while looking feverishly for regular employment. Nothing to date. My mother just passed away so I don't even have that. I have not been able to see a doctor or dentist in all this time. I was not even given AHCCCS. I am applying again. I am now experiencing concerns that it would be nice to be able to get some help. Even many employers these days do not offer benefits. I just don't know what to do anymore!
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joyce merritt
Indianapolis, Indiana, disabled
I am disabled and live on a very limited income. I do have medicaid which helps alot, don't get me wrong. My housing and utilities takes up 3/4 of my income. I take 34 pills a day. My co pays come up to $150 a month. After I pay rent and utilities i have $50 a month. Even with the help of the pharmacy helping me by letting me pay what I can I cannot make it. I almost have my house paid off (in 3 years) but the doctors have taken me off everything except what I absolutely have to have. Why isn't there a provision for disabled people with these co-pays. Alot of times you have to chose which ones can I skip this month. I have no car so medicaid provides me with transportation to the doctors but there is co-pays. How can you call this living?
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Richard Seese
Toronto, SD, retired
While at work (min wage job) a co-worker engaging in horseplay broke my little finger, I went to a Dr that morning and was told since I had no insurance he would not see me and to go to the County for my healthcare needs, I went to the county and was told that since I had a job, I made too much money for them to see me. I have some medical training so i went to the drug store, bought a splint and some bandages, went home and set my bone myself. It healed properly and is doing fine. Other times I have had to surgically remove foreign objects from my body using a pocket knife, razor blade, tweezers, and suture it myself using waxed tent repair thread and a curved needle. The bottom line, it looks like we will have to treat ourselves if we need medical care and can't afford it as no one else will. Of course then we run the chance of infection and getting arrested for practicing medicine without a proper license.
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Char LaFollette
Tippecanoe, Ohio, retired
I am a 62 year old woman who has been forced into early retirement. I lost my job in March of 2010 and have been looking for work ever since without success. I have worked hard all my adult life, sometimes 60-70 hours a week and even crossed thresholds twice as being the first woman in my company to do a certain job. I also owned my own business for 10 years. When my husband and I both got laid off, we decided to move from Oregon to Ohio to help my mom who has alzheimers. When I arrived here, I began the search for a doctor, as I am diabetic and need prescription drugs to help control the disease. My first shock was that I couldn't get a doctor to take me without insurance, even though I offered to pay up front. It took 2 years and months without medication to find someone who would take me, even though I have excellent credit! Now, after going to school to be re-trained, my husband has a fairly good job and therefore I believed I would have insurance after his 90 days were satisfied. Now I find out there is a $5000 deductable and because of my "pre-existing condition" I would need to pay $300/month for a year before they will cover anything related to diabetes! Well, everything is related to diabetes! I am in shock and refuse to pay this much money for nothing! The insurance companies, pharmaceutical companies and our medical system in general has become morally bankrupt in my opinion. So, now it will be 2014 before the law requires them to cover me and that's only if Obama gets re-elected. And, I don't even know if by then it will be illegal to have a $5000 deductable! It is my humble opinion that we needed a public option, better yet-single payer not for profit! I believe that hospitals should be not for profit. I believe that morally bankrupt insurance companies have created a situation that will ultimately cause them to become extinct and they deserve it! We are the only industrialized country in the world that doesn't believe that healthcare is a basic human right and that is only because of the influence of these powerful corporations on our political system. We have gone from a country of compassion and integrity to a country that puts profit over people and it sickens me to watch this evolution of immorality. My hope is that the American people will wake up and fight not only to keep the Affordable Care Act, but to evolve it into Medicare for all. In the meantime, I am hoping that it will eventually help me.Until then I will use as much alternative and natural medicine as possible and pray that I don't ever need hospitalization!I am afraid for my country and will continue to fight to get corporate influence out of our government. We are fast becoming a plutocracy and I fear the worst if Mitt Romney gets elected and follows through on turning the power and money back over to the "job creators" who are creating jobs in China!
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Mary Ellen Rubinacci
Thornton, CO, sales associate & struggling author!
I am a senior citizen...have 2 degrees...went to college late in my life...began at 25...and received my Masters at 50. never realized I might be too old to get a job...I am under-employed, underpaid...I have a condo, because of my good credit. I have no health insurance....and had ovarian cancer at the age of 39. Sometimes I struggled to buy groceries or pay bills. I had to collect early social security, because I work part-time...if I didn't I'd be homeless!When Romney came out with his "47% statement" It made me angry!!! I pay property tax, payroll tax, sales tax on food and clothes...and I probably pay more tax than he'll ever pay! Plus, I had to have rotator cuff surgery...if I hadn't injured myself at work...I probably would have commited suicide...the insurance company denied my claim...and I hired a lawyer...didn't want to...but the system is set up that way!Discouraged! my family lives in NJ...and I live in Colorado....even my synagogue isn't much help...my counselor came to see me once and brought food and a few things...for this I was grateful. When one lives alone...it is difficult. I am tired of life...but I won't give up! But even fighting becomes miserable.I'd love someone to visit me...if u could...I'll tell u more.Mary Ellen Rubinacci
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Alan Ditmore
Leicester, NC, mechanic
It is a setback for my decade long effort to advance municipal environmental contraception going beyond free because if the feds do it then cities will be less motivated to do it because they will percieve contraception to be adequately covered and funded, which is, of course, environmentally impossible.
Please read these petitions advocating municipal environmental
contraception funding, which is increasingly politically realistic due
to The Big Sort in more and more towns, and helps women's rights, quality of life, and school taxes as well as being at
least 5 times more cost-effective than any other environmental effort.
http://tinyurl.com/townBC2
http://www.feminist.org/news/newsbyte/uswirestory.asp?id=12874
http://tinyurl.com/towncontraception
http://www.nyc.gov/html/doh/html/condoms/condoms.shtml
http://www.facebook.com/alan.ditmore
https://secure.prochoiceamerica.org/site/Advocacy?cmd=display&page=UserA...
http://nwhn.org/newsletter/node/1383
http://action.biologicaldiversity.org/p/dia/action/public/?action_KEY=5999
http://tinyurl.com/opcensor
http://www.change.org/petitions/asheville-lgbt-rights-for-environment
http://www.change.org/petitions/view/transfer_all_environmental_funds_to...
http://www.thepetitionsite.com/1/transfer-all-environmental-funds-to-con...
http://groups.yahoo.com/group/childfreetown/
http://www.thebigsort.com/maps.php
The prochoice and contraception movements are placing too high a priority on defensive actions in the red states when we should be going on the offensive, the side of "change", in the blue states, and cities. The worst places
will get even worse no matter what we do, but the unrealized political potential, the low hanging fruit, is in making the best places even better. This opportunity is being caused by The Big Sort. Mayors are not answerable to rural voters, unlike governors and presidents.
http://www.nationalpartnership.org/site/News2?abbr=daily4_&page=NewsArti...
http://www.nationalpartnership.org/site/News2?abbr=daily4_&page=NewsArti...
http://www.nationalpartnership.org/site/News2?abbr=daily4_&page=NewsArti...
http://www.nationalpartnership.org/site/News2?abbr=daily4_&page=NewsArti...
http://www.feminist.org/news/newsbyte/uswirestory.asp?id=12891
https://secure.ppaction.org/site/Advocacy?cmd=display&page=UserAction&id...
http://www.amplifyyourvoice.org/end_abonly
http://www.npr.org/templates/story/story.php?storyId=5041388
We americans love cars more than babies, Very soon we will have to choose, and we will choose cars.
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