by Elizabeth G.
This year, I lost my health insurance coverage. Now, I had been previously covered under my father’s health care. As he is a self-employed contractor, he can change healthcare companies if we’re not satisfied with the one we have. Unfortunately, the new company has decided that I am uninsurable.
Why you might ask? So far, the only information I have been able to obtain is that it’s the result of some information that is in a file from a doctor I saw one time for half an hour 4 years ago. I’ve called several times, with no response as to WHAT it is and if there’s anything I can do about it.
I have no chronic illnesses. I’m on only one medication that is affordable enough that I can still buy it out of pocket, so it’s not something that would be a “burden” on an insurance company. I’m not at-risk for anything expensive or difficult to take care of as a result of family history. I don’t smoke, do drugs, or drink excessively. I’m a 22-year-old, healthy, low-risk female.
At this point, I’m looking into purchasing my own insurance for emergency care. I’m not nearly so worried about doctor’s co-pays or prescription coverage. I’m worried about what happens if I slip and break my ankle on the sidewalk, or get food poisoning, or anything that might require care in a hospital. How much does a cast cost out of pocket? Usually something in the ballpark of $20,000. That would really put the kibosh on saving for a down-payment for a home. (In fact, that WOULD be a down payment on a home.)
I have thus come to the conclusion that being an adult SUCKS and I want to be a college kid again who doesn’t have to think about these things. At least I have dental care now?