It's that time again to reexamine our health insurance policy as it's expiring soon. As a small business owner, this is one of the most challenging, infuriating and appalling things I must worry about year after year. To add to the frustration, I wear two hats, the second being someone who lives with a preexisting condition.
Our policy increases drastically every year. In 2012, our costs went up 48 percent and this year, it will be 47 percent. If only I were able to do this in my business, I wouldn't have a care.
On the flip side, I was diagnosed with multiple sclerosis 28 years ago and haven't had an issue until the last four years, but because of the label "MS" and "preexisting" condition, I have paid the consequences (literally) over the years. Who should be held accountable?
This is a battle that I thought was going to be over with Obamacare, but I am disillusioned as no one seems to know what's in store. I believe health care costs are still going up as the industry is hedging its bets. UPMC made millions (could even be billions) while getting tax breaks through the dubious "nonprofit" status. There have to be alternatives without having to plead indigence and/or not be insured at all.
What really enrages me is the amount of wasted papers sent, booklets, newspaper, television and radio ads that monies are spent on when so many can't afford their daily medicines, let alone hospital or emergency care. I don't need or want a health coach, wellness services or dedicated account management services. What I do need are reasonable costs for services that are overinflated.
I know I'm not alone in my frustration, but when is enough really enough?