Let me be clear… This is not a political post. I have no idea how much of this is due to “Obamacare,” although I know at least some of it is in part.
When I was still working for Warner Bros. we had great, I mean GREAT health insurance. When we decided I would come home to be better able to be available for Joseph’s issues and my mom’s issues, we took the health insurance in mind… But it was fine because we had Poe’s. And then he was laid off three months later.
Poe was out of work for two years. For as long as we could, we paid for Cobra. But thousands of dollars later (while on unemployment), we went through all of our savings. After we exhausted Cobra benefits, Poe needed serious, emergency dental surgery. There went all my retirement savings from 18 years of age. Two decades of savings.
But my kids both have medical issues. Forget about Joseph’s doctors and therapists – his meds alone are over $2k per month. Logan needs EKG’s and Echo’s annually, and eventually will need open-heart surgery. And so… I found a program called Heathy Families. In California, it was an alternative to Medi-Cal. I felt better about using it, because I paid premiums, according to our income, rather than being totally “on the dole.”
Eventually I started my own business, but it’s not a corporation, it’s just me as an independent contractor. Poe eventually found a job in security instead of his chosen field of CADD design. As a contractor, I don’t get employer insurance. Poe is offered insurance… The premiums for which are about 80% of his take home pay. So – we cannot afford it. Even after the updates due to Obamacare – now it’s about 85% of his take home pay. We still can’t afford it.
Eventually, Medi-Cal absorbed Healthy Families, and we were officially “on the dole” due to our income level and my children’s need for insurance. Don’t like it, but I have to take care of my kids’ medical needs. Poe and I haven’t been insured in years.
So here’s a bit about my private parts – so if it’s too graphic for you, I’ve put it below the fold: