I’m not in a debating mood today, but this post made me a bit depressed. I have Parkinson’s. I was diagnosed quite recently, less than a year ago. The only people who know about this, online or in the real world, are my wife and my closest friend. Right now, it’s manageable, and not that big a deal, and with my medication, it’s barely visible. I have tremors, but I know how to hide it.
I have health insurance through my job, and even if I didn’t, I could probably afford the medication I take. It’s been around for a while, and there is a generic equivalent, so it’s not very expensive. And, at least for now, it works.
But Parkinson’s is (often, anyway) progressive. It’s probably going to get worse. And seeing my neurologist regularly is expensive, or would be, if I didn’t have insurance. And it’s very likely that I’ll need more, and more expensive, medication in the future. And what about new treatments in the pipeline? They’re not going to be cheap. They’re going to be so expensive that they will be beyond my reach without insurance.
If I lose my job, and therefore my insurance, I am well and truly fucked. And when I reach retirement age, without Medicare, I’d be really fucked. What private insurer is going to insure someone with a decades-long record of Parkinson’s? There’s no way I’d be able to purchase my own insurance. There’s no way I could now. I doubt very much that any insurance company will touch me. I even worry about what will happen if I change jobs. Will my new insurance carrier refuse to cover my pre-existing condition? Not that I could afford it even if insurers would take me. I’m carrying my wife on my employer’s plan right now, because she got laid off about a year ago, and hasn’t found a job yet. She’s done temp work, but that doesn’t provide insurance, and her insurance costs me more than $6,000 a year. I have no complaints about my income, but no real possibility of increasing it significantly, either, and $6,000 is not pocket change to me, not by a long shot.
If I were a citizen of just about any developed nation other than the United States, the only thing I’d have to worry about is the disease itself. But I’ve got all this other crap to keep me awake at night.
Sorry about the rambling. This thread just made me think a bit, and also got me a bit depressed.