I am 49 years old and one of the many people who have no health insurance.
I have tried to find affordable coverage; however, we all know what that is like. I also have applied and been qualified for the Healthy Indiana Plan. The problem now is the waiting list of two years to get on the plan, let alone requalifying at that time. There are only so many members who can be accepted by the state of Indiana per year, and the waiting list issue helps gain a perspective on the problem of our health care crisis.
I do not take health care for granted. I now pay cash up front if I need medical services. I also do not abuse the emergency room for a splinter. I look for resources to help with prescription medications because there is help if you take the time to search it out.
Another puzzle to me is regarding the Medicaid program. I simply want to understand how a person who has a major-company carrier for primary insurance has Medicaid as secondary or, even better, third. I am not referring to those people with special needs. I am thinking of people who seem to find a loophole and somehow qualify.
I believe that unless there is a crucial medical need for Medicaid as second- or third-party coverage when you have insurance already, then you should not receive the benefit of Medicaid. People who abuse government assistance are a huge part of the problem.
On the other hand, I take offense to the idea of being penalized for not having health care coverage when I have been looking for something since 2010.We all must be responsible because in the end it will be all who benefit or suffer in some way.
I feel that it may be a good idea to allow people to convert their Social Security into a flexible spending account if needed. The government dollars are certainly not really there for us anyway in the future, so why not let us use our own money that we don’t really have to help with our health costs?
Just like everything else these days, it would mean none cents for all. It’s very serious, but sorta funny.