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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?

Your Stories

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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gus gomez

San Francisco, CA, Administration.

The GOP Party are becoming the political party of killing-off as many voting Americans in this nation, to meet their ideological issues of staying the majority power in charge of every non-full-Anglo-White race in our country; by GOP House and Senate obstructionists' polices and practices, that will limit the rights of millions of Americans, who they deem too poor, powerless, victims, to their actions against them. Without the preventive health care service, and all comprehensive health care programs, the millions of Americans, need, we will no doubt suffer the fate that the New Tea Party Radical Conservatives, are aiming for towards the very people they have kept down since their power took place, centuries ago in the nation of Native-Americans' stolen place/heritage. If anyone is going to continue to kill-off the defenseless, powerless, innocent and unmotivated, in America, are the GOP Party, with all their draconian laws that favor the wealthy-races here and across the globe!!

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Janice Lawrence

Ashland City, TN, insurance

What it means to me is just more ease and less expense. I get to have my physicals at no cost and find out more easily if something is wrong.  In my case, all I get is good news. I'm a healthy person. I work out and eat right most of the time. This time when I had the physical I found out that my thyroid, which I had thought had been sluggish, was functioning properly after four years of taking an iodine supplement.  I like it that this new healthcare system doesn't penalize me by charging me for preventive care. It's less painful to do the right thing.    

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Annelise Ekland

Bartow, Florida, Retired

Medicine in this country has been and is being assaulted from every angle possible. Both my mother and I are state licensed nurses in good standing and what has been done to medicine by the various industries (pharmaceutical, insurance, hospitals and the AMA) is not just a disgrace, it's predatory.All of this got started many years ago when Senator Bill Frist (R-TN), Senator Sr., Bill Frist Jr. (R-TN), together with Rick Scott (Gov-FL) decided to privatize and monopolize medicine, in a Right-wing scheme that closed all hospital based nursing programs (big mistake), turned the hospital setting into a for-profit business arena, and which at one point involved all three of them in a 1.7 billion dollar scam of Medicare. My mother worked until she was 77 years old, retiring from both a (NY) state system and the federal (VA) system. She had the "Cadillac of health care packages" but after George W. Bush and his corporate cronies finished with her, she has been denied any and all of the things she worked so hard to have as a Senior (she is now 92); I now pay all of her medical expenses out of pocket. This includes a deductible, all of her medications, all doctor visits, all lab work. It's a nightmare. People don't realize it, but we are in the middle of a medical holocaust.United HealthCare sent us a letter a few years ago announcing that they were going "for-profit" when they entered the stock market as an IPO. They changed their policies so that many people have had their benefits gutted. In our particular case, if she (at 92 years old) is not dragged from her bed and seen "in a hospital setting" she is fully denied any and all benefits. Yet, because of the purchasing of the doctors and their licenses and enslaving medicine in these "Regional Hospital" schemes, we have been denied services because all hospitals are becoming "private" hospitals which means they get to cherry pick who they will and will not have for patients, and what you will and will not receive for treatment(s). Many of your treatments will be unnecessary as the doctors will be ordered to run as many tests as possible to assault your insurances (which will only drive the price of health care continually up). We are rats in a trap and they are going to squeeze every cent out of us and any insurance plan we have until we are denied any health care that counts. You need to realize that ALL doctor's practices are being bought up by  these "Regional Hospitals." This means that the doctors work for big industry and once all of the doctors have been privatized and corporatized, these profit-driven business men will be making ALL of our medical decisions; NOT THE DOCTORS; the doctors will be required to do what they told to do and will have no real voice in the process; even if what they are being told to do is criminal in our eyes. This is just another reason we need to have a Constitutional Amendment banning corporate personhood, and remove the force of the Supreme Court decision (Citizens United) which the Supreme Court (an unethical kangaroo court that serves private industry) refuses to vacate, even in the face of making a ruling that has flown in the face of two hundred years of jurisprudence (stare decisis).We need Medicare for All / Single Payer from a nationalized health care system. Privatized medicine is the scourge of the Earth, and it means nothing other than rich, greedy men using our health as an excuse to make themselves richer, to abuse us with who will and will not receive health care, and it absolutely does not mean anything better in any way. Please get involved and learn for yourselves what they have done and what they are in the process of doing that is going to result in total misery for the 99%.

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Harris Hyman

Portland, OR, engineer

I am a member of that pernicious demographic, older (75) white males. For many years I have paid my Social Security taxes for the benefits that I now receive. Women are not a distinct special interest group, and are my daughters, my sister and my companions and have also paid for their benefits. As such they are not cast-off ribs but equal members of American society and deserve appropriate care and respect.

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K.T.

Jacksonville, Florida,

I find it funny that men responded on this, stating that health insurance companies don't give out helmets for riding a bike, so they shouldn't cover birth control. He claims that being born a woman is a risky choice in its own. Amenorrhea which can happen from radiation or chemotherapy, Endometriosis, Polycystic Ovary Syndrome and any other women specific health problems, that birth control helps, is the fault of the woman and she should have to pay that out of pocket. I digress, personally what preventive care means to me is that more women don't have to wait until their cancer has an obvious feel to it. That the cancer could be caught years earlier, unlike my cervical cancer that had several years to mastatize. Both my grandmother and stepmother died of breast cancer, that could have been treated if caught earlier. Preventive care means a healthier population, the spread of disease will slow down significantly. Most disease is spread from people that are unaware, testing means they can be treated or aware of life-long conditions, and even be held accountable if they spread any disease. Better birth control means there won't be as many unplanned children, that the family has no means (and in some cases want) to provide for. Having less unplanned children will result in fewer kids in the foster care system, and a much better percentage of them finding homes. Among advanced countries, the United States may be one of the worst places to live when it comes to women's health care. A July 2012 study showed that 43% of women didn't see the doctor or take medicine because of costs alone; the uninsured women are at a 77% rate for the same.

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