This past April as I was finishing a test for my political science class, my fiancee Lisa sent me a text message saying that we needed to talk.
On my way home from class I called her, and what she told me made the Los Angeles sun feel a little warmer.
“I didn’t think there was one, but I can kind of see it very faintly. I think that means …” she said as the last part of her sentence hung in the balance, perfectly communicating its message without a need for words.
The little pink line doesn’t lie, and if all goes according to plan, somewhere near Jan. 11 we will become parents.
I don’t know how to convey in words how ecstatic I felt the day I found out that Lisa was pregnant, how crazy it was to hear the baby’s heartbeat for the first time or how wonderful it was to find out we are going to have a little girl.
I also don’t think I can convey in publishable words how ticked off I am that before she is even born, our daughter is getting the cold shoulder from the health insurance industry.
In a recent LA Times article, it was reported that most of the major health insurance companies are planning to circumvent the new health care regulations requiring them to insure all children by simply not offering policies to kids.
According to the report, Anthem Blue Cross, Aetna and other insurance companies will stop selling new child-only policies in California, as well as in many other states. This will lead to an unbalanced market, and surely other companies will follow suit.
Yes, kids already on insurance rolls and those under group plans, like most employee benefit plans, will retain their benefits. However, this makes it harder for an estimated 80,000 California children without insurance to gain the coverage supposedly mandated by the new law.
These children whose parents work at jobs with no benefits or with benefits not covering family members will be denied insurance.
The companies contend that they don’t sell that many child-only policies anyway. That’s probably because before the enactment of the legislation they found excuses like pre-existing conditions to weasel out of coverage anyway.
Let’s not forget the story of the baby in Colorado who was originally denied insurance last year for being “too fat.”
I’m amazed that the callous megalomaniacs that run the health care system will continue to get away with screwing over innocent children.
They claim that, due to the new law, their costs would be much higher to cover children seeking these types of plans because parents would only seek health insurance for their kids once they’ve already gotten sick.
Whoever said this must not be a parent.
My daughter isn’t even born yet, and I already know that I will do everything to protect her. I will always make sure she is safe. I will protect her from the yucky boys at her school. And I will do my best to make sure she gets preventative care so she doesn’t get sick in the first place. I’m also sure I’m not the only one that thinks that way.
Luckily, due to the fact that I’m a student, I believe that I will be able to have her insured through the school plan, but that doesn’t solve the problem for all the other children being denied coverage.
The report noted that the Obama administration offered a solution to the companies of selling child-only policies during certain enrollment periods, an offer obviously made in vain.
Additionally, the administration noted that families seeking insurance for their children could possibly find coverage in the high-risk pools being set up by the new legislation.
It’s great that these companies are being allowed to skirt the law so that families will have to pay more for “high-risk” insurance, even if their kids are perfectly healthy.
There is another option for some families. Those that qualify can enroll their children in state-run programs. The problem is that plans such as Medi-Cal are already stretched beyond capacity and thousands of children don’t qualify.
However, there may be some hope for kids in California. Assembly Bill 2244 mandates that any company refusing to offer child-only coverage would not be able to sell any individual insurance in California for five years.
The bill awaits the signature of Gov. Arnold Schwarzenegger, should he decide to sign it.
The bottom line remains: If the bill isn’t signed, we’re still in the same mess. This also doesn’t take into account the fact that thousands of children in other states will still be denied coverage.
I also won’t be surprised when insurance companies find other ways to ignore the supposed regulations of the health care bill.
This is all an on-par example of how the waffling of the White House and the rest of the knuckleheads in Washington, D.C. has failed the American people and our unborn children.