I remember reading "Nickel and Dimed" By Barbara Ehrenreich, I remember feeling like it was a good attempt but I got so angry at her. She spent so much time in that book talking about how surprised she was that the working poor weren't dumb. How elitist and offensive! Yep, some of us don't catch the breaks others do, and some of us make poor decisions when we are young which have lasting repercussions. And before you go preaching at me with that "Pull yourself up by your own bootstraps" crap keep in mind that I have worked 20 hour days at points in my life. I am a very hard worker, and have a strong work ethic. I however was born into a lower middle class (I am being generous there) family and wasn't ever taught how to handle money. When my dad left I was in a single parent home and learned how to rob Peter to pay Paul but not much else about finances than that, other than when you can't afford oil to heat the house in winter, you make sure the electric is paid so you can get dressed in front of an open electric stove so you don't freeze, and so you can boil water to bathe.
When I graduated from High School my mom swore I would get to graduate from college...and I had every intention of doing so. We were going to move when I was 19 and at the beginning of my Sophomore year so I decided to drop out of school until I could establish residency in Maine (the state we were moving to) and start school again up there. Two months after I dropped out my mother was diagnosed with inoperable pancreatic cancer and given 3 months to live. (she died about 9 weeks later) I was not going to be able to get enough financial aid to be a resident student. So, into the workforce I went and as someone who had no vocational training and had only worked at a Christian camp every summer I didn't have much experience.
I started working at the children's clothing store my sister had gotten a job at while I was working at Oceanwood (the Christian camp) for what I believed would be my last summer doing so. Thus began my illustrious retail career. (if you have never worked retail....count yourself lucky, it will make you lose your faith in humanity)
And without a degree there are very few roads open to you in this day and age. (it may not have been so in the past but when you have 9 college graduates applying for a position and one high school grad with "some college" generally there will be a bias toward the degree holders, and if not it is just so they can pay the other person less and how exactly does THAT help?)
What does this have to do with the Bean you ask? Glad you asked, I have a tendency to go off on tangents at times.
I currently have no health insurance, and am applying for Medicaid to get me through prenatal care and delivery, and I am noticing a real difference in the quality of care which those in lower income brackets and those in higher experience. Bitch all you want about Obama care but I think if it can improve the quality of care for pregnant women and working families it gets two thumbs up from me.
I haven't even met my nurse midwife yet, don't know who it will be or when my first appointment with her (please let it be a her) will be...why because I have to be financially processed first. Yup, it's more important that everyone knows how they are getting their money than it is to actually check to see if I am perhaps experiencing an ectopic pregnancy or if I have Rh factor issues (which are known in my family).
It is frustrating to feel like your baby's health doesn't matter to healthcare providers, because of your tax bracket. I have had wonderful insurance through a few of the companies I have worked with in my adult life and let me tell you, you haven't experienced being treated like a second class citizen until you have been shuffled like so much cattle through a process which in any other doctor's office would have been joyful and congratulatory, and immediately followed up with a follow up appointment. Not so much here, here you don't get to even find out when you are first meeting with your nurse midwife (or doctor, or whomever can see you that day) until your financial advisor sets it up after your medicaid appointment. I was led to believe this is how it is going to go throughout the pregnancy so you don't know who will deliver your baby until you go into labor, and if you didn't like this particular Dr. or want a Dr. at all (which I don't) too bad, you are lucky the state is paying for this at all. (The state by the way which I have been paying into for 20years a large chunk of my weekly/biweekly pay)
It is so frustrating when people approach me with, "oh I have an OB you would love" or "have you decided where you are going to have the baby?" "Are you doing a birthing center or hospital?" etc... I don't get a say, the poor don't get a say in what happens to them or their bodies, so yeah I support the HECK out of Obama care if it means that the poorer members of our society can stop being treated like some kind of freakin burden and start being treated like people again!
rant over gotta go pee for the 900th time today.
Ciao for now~
marymontmama
If it makes you feel any better, the only accredited birthing center I've found in Indiana is in Goshen. If there was one closer, I'd totally go.
ReplyDeleteMedicaid is definitely the cheapest option. Have you applied for Presumptive Eligibility yet? It will cover you until your Medicaid application gets processed.
If you're interested in other options or having more control over your care, most doctors and hospitals offer a (sometimes significant) discount to patients paying OOP, especially if you can find a way to get it all paid off before the birth. Some even offer discounted packages that include all prenatal care and L&D, and sometimes the price for a C-section is only a few hundred more (obviously, this varies from hospital to hospital).
I've heard some good things about AmeriPlan. It's a medical discount program, but there is a monthly fee.
Midwives are cheaper, but you already know that.
If you ever want more than the one ultrasound Medicaid gives you, they usually run around $100 at imaging centers.