No matter where you stand on Health *Insurance* reform, I have a simple message. My son was AT MOST two days from death when we took him to the emergency department before his cancer diagnosis. That visit cost us $250. The insurance paid over $1,500 for that visit. Since we don't have the negotiating power of an insurance company, we would have paid over $1,750 for that ED visit without insurance.
To be honest, I DID think about how much a Saturday night visit to the ED was going to cost us. Luckily, we had savings to cover the cost, so it was an easy decision that I would take him in to see about his "weird" breathing.
I am rocked to my core every single time I think, if we hadn't had the money for the ED visit co-pay or, that we hadn't had insurance at all, we may have given Alex some Benedryl on Saturday and Sunday night and sent him to bed. Chances are, Alex wouldn't have woken up Monday morning. While the cancer diagnosis was terrible, walking into a bedroom and discovering your child dead is a Hell I hope to never experience.
How many children die or suffer because their parents have to decide between a trip to the doctor, or paying rent that month? We've been told, "Oh, you live in Oregon, so even if you didn't have insurance, Alex would be covered". NOT TRUE. Eric and I make too much money to qualify for many social services, and NO ONE will insure Alex on a private plan with a cancer diagnosis. NO ONE. And, we make nowhere close to the amount of money needed to finance his two year cancer treatment without insurance (which is over $250,000 as of 7/31/09).
Why is our child any more "deserving" of a chance at a full life with the best cancer-treatments available than someone with little or no insurance? The answer is, he's not. He's lucky. We are lucky.
I'm not trying to start another debate on Health Insurance Reform - there is plenty of that. I'm just trying to give you all a personal story on the issue. I can't profess to know the answer to the best way to cover everyone. All I know is that we MUST. Not all children are as lucky as Alex.