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MediGap, elderly, healthcare, 1-800-MediGap

What would You do if You had to Choose Between Your Health and Your Finances?

by Deborah Cruz

Have you ever had a serious illness and first had to ask yourself, can I afford this? Luckily, we have insurance through the Big Guy’s job that provides us the security of knowing that if we ever, God forbid, find ourselves in a medical pinch, it’s not a big financial deal. Granted no one wants to find themself in an emergency medical crisis like we did a few weeks ago with our Bella but I can’t imagine having to think, “Can we afford this?”

In fact, when we were at the hospital, the doctor “suggested” we take our daughter to have a procedure. My husband and I were baffled because, in our mind, either she needed it or she didn’t. The doctor asked if we wanted to check with our insurance first to see if it was approved and all I thought was, if it’s needed, it’s getting done. If we had to pay for the procedure out of pocket, it’s getting done. No matter what we need to do, we’ll do it to take care of our child but not everyone has that ability and that scares me.

It also made me think of our Great Aunt Maxie, who is an amazing, vibrant woman who just happens to be 85-years-old and in failing health. I’ve had conversations with her in which she has told me that there are procedures that she can’t have because she can’t afford them and I don’t think that it is fair that the world could lose such an amazing woman, who is so full of life and love; a genuinely great woman, just because she has to live on a fixed income. She’s just accepted it and we’ve had to accept the fact that she’s living on borrowed time because she can’t afford any more procedures.

Being poor is not a crime, but taking advantage of the poor should be. We live in a world where health insurance is a luxury for many. Healthcare should be universal human right. Even in the United States our poor and elderly are deprived of health insurance or fall into a situation where the insurance is not enough to cover the care leaving many at the mercy of Medicare and the doctors who don’t want to work for free. Thankfully there are services here like 1-800-MEDIGAP  to help find supplemental insurance to help the elderly get the coverage they need so they don’t have to make the decision between their health and their finances. Every one of us deserves to be healthy; no matter how old or young we may be.

Have you ever found yourself in a position where you seriously had to consider the cost of medical care before the benefit of it? How did you decide what to do?

Disclaimer: This is a sponsored post but all opinions are mine.

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1 comment

Chrisor 2013/11/04 - 7:03 pm

That’s the main problem with our health care system. Having good health is priceless because if you are too sick to enjoy life, it doesn’t matter how much money you have! Years ago, hubby had an ulcer when we had no health insurance. He was in the hospital and had blood transfusions, etc. The bill ws $20,000. We put it on credit cards and then took out a loan later and feel like we’ve never recovered financially. Now we have great insurance but pay a lot for it. What I think is the worst is that if you don’t have insurane, you are charged MORE than insurance companies! It should be just the opposite.


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