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    ‘Health Insurance’



    Why Healthcare Matters: My Story

    Wednesday, April 2nd, 2014

    As a senior in college, there are a few things that have the ability to instantly put me on edge:

    The first is when anyone asks me that burning question, “What do you plan on doing after you graduate?” This one typically earns the inquisitor a blank stare and some made-up, adult-friendly response so that I won’t have to justify my actual plan to take a year off to enjoy my youth, and enroll in Law School in the fall of 2015.  

    The second is when I’m faced with anything that has to do with health and related health care costs.

    For the sake of current event relevancy, and the close of enrollment for Obamacare, this blog post is going to focus on the latter of the two. So here’s my story:

    I come from a midwest, middle-class, single-mother household and I’ve been working since I could legally hold a job– but it wasn’t until my sophomore year in college when my mother retired and I started working more that things became difficult with my health care coverage. Long story short, I got the boot.


    According to my mother’s health care representative, when I became eligible for part-time benefits at my then employer, I became ineligible for coverage under my mother’s plan– the care that I’d depended on my entire life!  But what my mother’s health care provider did not understand was that I had NO intention of enrolling in coverage under my current employer for the following reasons:

    1. I worked at a grocery store and it was just a college job. My focus was on school and I knew that if the two ever came into conflict, work would have to take the back burner.

    2. I wasn’t planning on staying there long term.

    3. My grocery store job didn’t allow me to be fully self sufficient.

    4. Coverage under my current employer was on the pricey side

    5. My mom’s coverage was much better and cheaper. Switching providers would have been…impractical to say the least.

    For a student who was only making $11.40 an hour as a cashier, I soon found myself at a crossroads between personal expenses and health care. Ultimately and ironically, I took the road most traveled by; that of personal expenses which included important everyday things like food, books, incidentals, toiletries, transportation, etc…

    I didn’t have health care but I figured: “I’m young, I’m healthy, I heal fast and I’ll just avoid getting hurt.” And while I was privileged enough to have minimal coverage under my University’s student health service, every “doctor” visit required me to wait for hours upon hours in the unorganized, overcrowded student health center only for me to be prescribed a $10 round of antibiotics or return a few weeks later with another health problem. I did not have a primary care physician, I couldn’t get my teeth professionally cleaned, I couldn’t get vision check-ups, I couldn’t visit my University’s actual hospital, and most of all, I wasn’t receiving quality medical attention.

    Luckily me and my mother discovered a flaw in the system.  My mother’s health care provider had no hesitation removing me from her coverage, but they had not made her aware that despite her retirement and my increased work hours, my full-time student status maintained my eligibility to remain under her coverage. After a long year, my health care was reinstated, and while I to this day lack vision and dental insurance, I am grateful to have at least some of my bearings back.

    People like my father, haven’t been so fortunate.  He has been uninsured for the past 15 years and admits to not being seen by a doctor in 5 or 6 years.  As a freelance carpenter needless to say, he is at constant risk.  I remember growing up and quizzing him on why he would never go to the hospital for his work related injuries (once he drilled a hole through his thumb) only to hear him quickly change the subject and tell me that he was “fine.” Another time, he passed out at work due to high blood pressure but became infuriated with his colleague for calling an ambulance because my dad had to foot an $800 bill. It took me some time to realize, he wasn’t  pretending to be tough, he had to be.  He wasn’t “fine,” he just didn’t have the means to seek medical attention.

    While I only experienced the inconvenience of not having health-care for a year, I got a feel for what it was like to be uninsured. I compare it to walking on ice, while I’m wearing shoes that have no traction– I could make some strategic steps to avoid slipping but a certain degree of my environment was out of my control; similar to how someone can take precautionary measures to protect his/her/zes health, but some elements and risks will always remain out of grasp.

    Yes, our universities and colleges typically cover some health expenses, but said coverage is limited and only lasts while we are enrolled in classes. Many students in college have parents who are retired or nearing retirement, and will be faced with the fear and challenge of losing support after graduation. Many young people are uninsured or have uninsured family members.

    As a working college student, and daughter of an uninsured father, my experiences with the US health care system have been none other than interesting. While it is relatively simple, this is my  family’s story. This is my perspective. I challenge you to tell your own. Make your voice heard. Inquire about what legislators are and are not doing when it comes to your health care. Try to become as well versed as possible on your medical coverage rights because honestly (to quote the academy award winning rap group Three 6 Mafia), “It’s hard out here for a pimp.”

    Saundrea "Drea" Shropshire
    Bio: Saundrea "Drea" Shropshire is currently a senior at Howard University. Majoring in Political Science and minoring in Swahili Studies, she plans to attend law school in the fall of 2015. An avid biker, knitter, painter, movie enthusiast, music junkie, reader and writer, she takes on all tasks with the utmost tenacity and dedication. She also has many leather-bound books, and her apartment smells of rich mahogany.

    Email the author at: blog(at)rockthevote.com



    News Round-Up: October 29, 2013

    Tuesday, October 29th, 2013

    Hawaii is up next to legalize gay marriage; an official review on NSA programs is underway; and social media sites criticize tasteless blackface and Trayvon Martin costumes. Meanwhile, the Jonas Brothers break up, and Julianne Hough receives some intense criticism for her offensive Halloween costume.

    -Sandy + Maura
     

    CRUCIAL

    Hawaii governor expects gay marriage bill to pass ‘within week’,http://rtvote.com/1f1FWUw
    Hawaii’s legislature is expected to pass a bill legalizing gay marriage “within a week or so.” The state’s House of Representatives will pass the bill on Thursday if it passes Senate; both chambers have Democratic majorities. Governor Neil Abercrombie stated that he hopes the bill will pass before January, at the very latest.

    White House: Review will address global NSA concernshttp://rtvote.com/1gXYp8Q
    As more nations become enraged by NSA’s spying programs, the White House has assured the public that the collection of data on allies will not continue. A review of these programs is currently in the works, and a report on the review will be due by the end of the year. Spain is the latest country that has joined in on protests against the U.S.’s surveillance tactics; others include Germany, France, Brazil, and Mexico.

    Trick-or-treating takes a tasteless turnhttp://rtvote.com/1g9uU2E
    Halloween is right around the corner, and so are some of the most offensive costumes in Halloween history. Some of the more tasteless trick-or-treaters are donning Ariel Castro costumes, blackface costumes, and even Trayvon Martin/George Zimmerman costumes. There has been a backlash on social media sites (rightfully so) against such getups, and the Utah Jazz and Julianne Hough have received such criticism.

    5 killed in Dallas-area shootings; suspect arrestedhttp://rtvote.com/1f1LVZx
    Police have arrested Charles Everett Brownlow, Jr., 36, for killing five people in a shooting spree in the small town of Terrell, Texas. The murders started at 5 PM Monday, and Brownlow was captured and arrested early Tuesday. The victims have not been officially identified.

    Report: White House knew plans would be canceled under ACA,http://rtvote.com/1gY57eY
    About 50%-75% of 14 million consumers who buy health insurance individually will have their plans cancelled in the next year because their current policies fail to meet the standards of the Affordable Care Act. Initially, the White House said that policies in effect as of March 23, 2010, could be kept even if they did not meet the requirements of the new healthcare law. The Department of Health and Human Services later narrowed that provision. NBC News reports that the Obama administration has known for three years that people’s insurance would be canceled. The White House has responded that those whose policies are voided will be automatically shifted to plans with better protections. Additionally, they claim that nothing in the Affordable Care Act forces people out of their plans, but the failure of some plans to meet the new minimum standards should be expected.
     

    PUNDITS

    George Clooney and John Prendergast discuss what should be done to stop the chaos in Sudan in “Sudan could become a second Syria,” http://rtvote.com/1f1Puij

    Errol Louis talks about Banksy’s insensitive slam against New Yorkers and Americans in “Banksy’s insult shows he’s clueless about New York,” http://rtvote.com/19PKcV9

    CULTURAL

    Julianne Hough Goes Blackface as Orange is the New Black Character for Halloween Costume, http://rtvote.com/1gY8ouS

    Jonas Brothers Break Up: “It was a Unanimous Decision,” http://rtvote.com/1gY8H8U

    Dax Shepard Doesn’t Have a Wedding Ring, Says It Cost Him $142 to Marry Kristen Bell,http://rtvote.com/1gY9t63

    Adam Levine Says Fiancée Behati Prinsloo Made Him Believe in Marriage,http://rtvote.com/1gY9R4i

    sandywu
    Bio:

    Email the author at: blog(at)rockthevote.com



    It’s Time to #GetCovered

    Tuesday, October 1st, 2013

    “When you’re young it kinda feels like you’ve got the world on a string. You feel invincible. But you’re not. Life happens.”

    Remember this video? Hard to believe it’s been four years already since you joined our fake doctor friends Zach Braff & Donald Faison to demand affordable health care (Zach, we sincerely hope those nipple wounds have healed by now). And now your efforts have come full circle – starting today you can enroll for healthcare coverage! 

    Okay, okay, okay. We get it. The Affordable Care Act (aka “Obamacare”) is confusing, and it doesn’t help that everybody and their mother has a different opinion about it. So here are the important facts you need to know:

    • Are you under 26? You can stay on your parents’ health insurance. No sweat!
    • Do you have a job? Your employer might have healthcare benefits available. Check to see if this is an option.
    • Are you older than 26 and do not have healthcare through work? You can now enroll at www.healthcare.gov/ (and at a competitive price too!).
    • Opting out? Starting next year, you will have to pay a penalty for not having health insurance. The penalty starts small, but will increase gradually over the next few years. 

    Over 19 million Americans ages 18-34 do not have health coverage. Don’t be a statistic. Enroll today and #GetCovered.

    If you have questions, our friends at Young Invincibles have your back: Read up on some Healthcare FAQs.

    Sincerely, 

    Heather 

    Heather Smith
    Bio: Heather is President of Rock the Vote.
    @rtvHS
    Email the author at: blog(at)rockthevote.com



    One-stop shop for Health Care

    Friday, July 2nd, 2010

    Yesterday, the Obama Administration launched HealthCare.gov, a website allowing you to find insurance options and understand your options under the law.

    HealthCare.gov also directs you to other websites to learn about prevention and compare hospital care.
    The two step insurance finder allows you to explore your coverage options by answering a few basic questions on where you live, your current situation, and your future needs; it then automatically sorts through a catalog of public and private options to identify a coverage choice that may be right for you. 

    The website provides detailed information on the law itself, including a cool timeline of what options become available when, explanations for featured provisions, a PDF of the full law, and special sections for some groups and issues. 

    The White House blog boasts of the website’s 500 pages of content and data for more than 1,000 insurance carriers and 5,561 open products.  In addition, the site provides information on the Pre-Existing Condition Plan in every state. 

    Some have compared HealthCare.gov to a travel website. Where are you going and when do you need to get there? HealthCare.gov, offers one-stop personalized shopping access to coverage options as well as comparison tools and information on the Affordable Care Act.  If you’re in the market for health care insurance, take a look at the site before you buy.

    UPDATE: Check out this video primer:

    Danni Lin
    Bio:

    Email the author at: blog(at)rockthevote.com



    A Word From Blue Cross

    Wednesday, June 2nd, 2010

    Rock the Vote is pretty proud that we pushed for – and eventually got – an extension for people ages 21-26 to stay on their parents’ health insurance. So we were more than happy to receive this letter from our health insurance company telling they are participating in the program BEFORE it goes into law in September.

    Click here to read the letter from CareFirst BlueCross.

    Jason
    Bio:

    Email the author at: blog(at)rockthevote.com