mimulus_borogove: (Default)
I was pleased with the last American presidential debate. It was an interesting, lively format, and we heard some details we hadn't heard before.

Health care is a big issue for our family. Although we're all healthy right now (knock wood), we've had some big scares, and we know the value of good insurance.

When I was pregnant, I worked full-time and got truly fabulous health insurance. This was excellent stuff, covering things I didn't use, such as acupuncture and fertility treatment. I was especially grateful for it when our spontaneous twins decided to continue their trend of spontaneity by arriving eight weeks early (nine weeks, according to some calculations). The total hospital bill for the kids' first five weeks ran $945,000. That's just the hospital bill; it doesn't include the doctors' fees and radiology and breast pump rental and so forth.

$945,000. And I was getting good nutrition and prenatal care. Sure, I had gestational diabetes--a common complication of twin pregnancy--but it went away shortly after I gave birth. The kids themselves didn't actually develop any major problems. The majority of the time they lay there racking up the bills, it was just because they were too small and undeveloped to swallow, to survive without an incubator, and do those other things that full-term babies are born knowing to do.

We continued our insurance through COBRA as long as we could, and then applied for private insurance. Since we weren't planning to have any more kids, we applied for one with no maternity coverage.

We were denied coverage.

I called our insurance agent and asked why, and the agent told me it was because of the gestational diabetes and the premature births. The fact that we planned to have no more pregnancies didn't matter. The fact that we planned to have no more births didn't matter. The fact that my husband, our twins, and I were all healthy didn't matter. We were denied coverage.

So when the candidates talked about their plans, I was interested.

How the candidates' health care plans would work for my family )

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mimulus_borogove

March 2009

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