I just need to rant a bit about the cost of health insurance. Having been between jobs, I have had the misfortune of paying for my health insurance through COBRA. To maintain health insurance for myself and my son is costing me approximately $1200 per month. That’s just obscene. And yes, I have tried to apply for an individual policy and have been rejected twice due to having “too many medical problems.” I’m guessing having any problem is too many for an insurer. They only want to insure the perfectly healthy of course. I didn’t choose chronic illness. I didn’t choose to have to take three different and expensive medications to manage my Depression. It’s not like I have cancer or something really expensive to treat. Of course they probably look at the possibility of needing medication, therapy and the potential for hospitalization as just too much risk.
So, needless to say, I am a bit depressed about the enormous amount of money I am spending on insurance. And I still have copays for medications (ranging from $15-60) and for doctor visits ($30). So I am probably spending more like $1400-1500 a month on health care. I truly can’t understand why we can’t have universal health care.
I’ll be using up almost all of my pitiful retirement account to pay for the insurance for the next three months…until I can get on my new employer’s plan. I just hope I don’t have any really serious health problems in the meantime. They say that’s how most people lose their homes, etc. is due to catastrophic illness/injury. I’ll just have to say my prayers.