Do you have medical coverage for yourself and your family? Are you middle income and do not have medical coverage? What are your options? Read on. I am furious with this wonderful country we live in the United States of America which it seems has turned its back on the very people who support it. I had wonderful medical care through my husband's employment for many years and just took it for granted. I worked most of my adult life now I am divorced and unemployed and do not have any medical care. Join with me in exploring what options are available for an ordinary person who is a member of the middle class. What happens when this ordinary person needs medical care?
I thought like everybody else that everybody in this country was entitled to medical care but that is not what is happening. WHY IS MEDICAL CARE FOR EVERYBODY NOT HAPPENING? HIGH INCOME PEOPLE: If you have the money you can purchase medical insurance for yourself and your family. It can become a problem if there is a pre-existing condition of one or more of your family members. Maybe, all they have to do is pay higher premiums and that problem is solved or not. Employment is the way most people obtain medical insurance for themselves and for their families. Today employers in some cases expect their employees to pay a portion of the escalating monthly premiums.
Many employees choose not to be covered simply because they can not afford the escalating monthly insurance premiums. If an employee had to choose between food for their families and monthly escalating premiums food wins good Doctor Information hands down. So what good is the medical coverage if the employee cannot afford it? Now what do they do for medical care? What about the thousands of employed people who do not have medical insurance options. These people fall under the category of part time employee or their employer can not afford medical coverage. What about the employers that feel their employees should be covered under their spouse's employment? But what if you don not have a spouse or your spouse does not have medical coverage? Now what are your options?
LOW INCOME FAMILIES: (1) MEDI-CAL There are tight restrictions on Medi-cal. It is dictated by income, bank account and diagnosis. (2) COUNTY MEDICAL SERVICES (CMS) There are also tight restrictions on this plan. It is dictated by income, bank account and diagnosis. CMS is also difficult to obtain. MIDDLE CLASS: For the middle class just barely hanging on by their fingertips NOTHING, a big fat ZERO, unless you have medical coverage through your employment or through your spouse. (3) FREE CLINICS ON A SLIDING SCALE: There are a few free county clinics that work on a sliding scale by income. $35.00 is the highest amount you can pay. If your need is greater than a fast trip to the doctor for a prescription, you will have to pay for that additional care.
I recently visited one of these clinics. The doctor told me I needed a program of Physical Therapy and I would have to pay for it. I am not employed. Physical Therapy is very expensive and I was out of luck. But the bottom line is I needed the physical therapy so I would once again be employed. I was given a prescription and had it filled at Sam's Club. I was told it was the most reasonable place to purchase prescription medication when you do not have medical insurance. I did not need a membership for a pharmacy visit. Thousands of people now flock to the hospital emergency rooms for everyday medical care. They wait long hours clogging the flow of real trauma cases. It is not unusual for some people to give bogus personal information; therefore, they will never receive a bill. The hospital does require every patient show a form of identification for your file.