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Former insurance agent knew she was at risk


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Former insurance agent knew she was at risk | Insurance, health care reform

'I was called a four-letter word ... RISK,' Lori Smith told those attending a forum at MTMC.
Licensed insurance agent Lori Smith knew she was in trouble when she was diagnosed with lupus in 2000 and multiple sclerosis a year later.

“I was called a four-letter word ... RISK,” Smith told an audience at Middle Tennessee Medical Center Thursday morning. The American Cancer Society’s Cancer Action Network and MTMC sponsored the session to advocate health care reform.

Smith, a Nashville resident, lost her insurance policy and couldn’t afford her expensive COBRA policy. “TennCare saved my life,” she said.

Then came TennCare cuts and she found herself without insurance once again.

Smith managed to land a job working for health care reform and received an insurance policy. Then in 2007 she went in for her annual checkup that included a mammogram.

The mammogram was quickly followed by biopsies confirming that she had breast cancer. Smith’s initial bill for a two-day hospital stay was $30,896. Her BlueCross BlueShield coverage provided savings and cut her bill to $8,389, which was paid in full by her insurance.

“If I had been uninsured I would have had to bear that full cost,” Smith explained.

There’s no real safety net for uninsured Americans. Primary care is often provided, but that doesn’t provide care for cancer and other major illnesses, she said.

“I think we can have the best health care system in the world, but we don’t have it now,” Smith said.

“It has come down to political will. Without our voices being heard, health care reform won’t happen,” she said.

Dan Brodrick of Gainesboro agreed with Smith.

“We need a change and we need it now,” Brodrick said.

A Michigan native, Brodrick moved to Tennessee with a truck-driving job, which he lost due to injury.

His wife, shortly thereafter, began to develop medical problems.

“My wife couldn’t get diagnosed because he didn’t have insurance. If my wife could have gotten a simple test,” he said.

Eventually, physicians did exploratory surgery and discovered that she had pancreatic cancer. If caught early enough, this disease has a 62 percent survival rate, Brodrick said.

In desperation, Brodrick called a private center that specializes in fighting cancer only to discover that it would cost $125,000 to start treatment.

After some discussion, the woman who answered Brodrick’s call said, “I guess she is just going to have to die,” he said. And she did.

“We need a change and we need it now,” Brodrick said. “Nobody should have to walk that path. We’ve got to do something and we must start fast.”

Agreeing, Nancy Anness, vice president of advocacy, St. Thomas Health Care Center, said health care should leave no one behind.

“It’s not about politics. It’s about carrying for one another,” said Anness, pointing out that St. Thomas is pushing what it calls the 100 percent campaign to ensure health care access and coverage for all.

The plan calls for 100 percent access and 100 percent coverage including vulnerable citizens, she said.

“What is this really about?” she asked. The issue boils down to “what would Jesus do or you can phrase it ... what is the right thing to do,” Anness said.
 
 
 
Tagged under  health care reform, Insurance


Member Opinions:
By: Dave42 on 9/3/09
The picture covers about 1/3 of the article.

By: Dave42 on 9/3/09
Healtcaare reform, NO. Insurance reform, Absolutely. It's not the healtcare that is broken, but the way insurance companies can sell or not sell, or cancle policies.

By: Baird on 9/4/09
WE NEED A GOVERNMENT OPTION. WE ARE LAST IN HEALTH CARE IN THE TOP FIFTEEN COUNTRIES. WE SPEND TWICE AS MUCH AND GET HALF THE RESULTS. THIS IS SAD. STOP FIGHTING WARS AND TAKE CARE OF AMERICANS. HEALTHCARE IS TRYING TO SCARE YOU TO KEEP THEIR CASH COW ALIVE. BE A THINKER.

By: Geana on 9/4/09
As different as these two individual's stories may be, Lori realizes, as we all should, that any one of us could end up as Dan's wife. Without insurance and healthcare.

By: Dave42 on 9/4/09
Baird,you are sooooooo wrong. With the way those fools in Washington want to write it the Public Option will be no option at all, they want everyone under their thumb and this it the way to do it. It's not the healthcare system but the regulations that the Federal Government has put on the insurance industry. Let people purchase healthcare insurance across state lines, this will create more competition and prices will go down. Sure there are some things about healthcare insurance that need to be fixed but that can be done at the same time the purchasing regulations are changed. Once Government gets control of your healthcare that's the end of our way of life. It's just one more step to complete Socialism. Let the states take care of it the way the Constitution states it should be.

By: Dave42 on 9/4/09
And one other thing you are wrong about Baird, is that we are NOT last in healthcare in the top 15 countries. Why do people from all over the world come to the United States to get their healthcare taken care of? It's because we have the BEST healthcare system in the world. You need to check your recources again before making a statement like that.

By: Geana on 9/5/09
Not necessarily because we have the best healthcare in general, Dave. Some people do come here because we do have some medical specialists and surgeons unavailable in their own countries. Likewise there are people who will travel to Europe to seek treatment there, because the FDA has not or will not approve it here.

Either way, unless the patient is being sponsored by a charitable organization, we can assume those who cross the oceans to seek treatment, have come into the money to do so.

There's only so many specialists in the US, though. I have two friends in TN, different cancer situations, and both had to go out of state to receive the treatments or special surgery they needed. One to TX, one to LA.

We also cannot blame the government regulations for the insurance industry. What it boils down to, is that states set their own secondary regulations. That's why we often see so many disclaimers: "Not available" or "does not apply" in the states of, etc..."

Because of state regulations, we DO need a government OPTION.

It appears Baird did check their resources, as I did. We may not be the very bottom of the top 15 healthiest countries, but according to Forbes our ranking in 2008 was "11." One of the largest contributing factors to this ranking is lack of access to healthcare.

By: Dave42 on 9/6/09
How can there be a lack of healthcare when there are so many facilities all over the nation? Maybe a lack of healthcare insurance, but I fail to see where there is a lack of healtcare. And also the "Public Option" talked about in HR3200 is no option at all. The way it is written, within a little over a year, if it is passed, everyone in the country will have to be covered by Obama care, including illegal trespassers who have no right to taxpayer funded healthcare. HR3200 isn't an option it is but a law. It will be just like all the other countries that have socialized medecine, and I for one don't want the Government deciding what treatment I can or can't have. The Federal Government has no business dictating what medical care anyone gets or doesn't get and that's what you will have if it passes. Just like Cap and Tax, it is just one more attempt by the Obama administration to Socialize the United States.

By: Geana on 9/6/09
Dave, neither Baird or I said suggested country "lacked" healthcare but is "last," again one of the largest contributing factors due to "lack of access" to it.

There may be ten restaurants within site of a hungry person, but if that person doesn't have the money to pay, they don't eat.

HR3200 is by no means perfect and it does have a lot of loopholes (illegals is but one) that must be closed before it is approved into law and/or amended if new ones should arise after the fact. The government may not have the right to make personal decisions for someone regarding what type of treatment that person should have.... but they certainly have the right to enact law which ensures that not only yourself, but every American citizen has healthcare coverage. That ensures every American citizen is afforded the same right to decide between treatments as you have. No one should be told, "Well yes, there's quality treatment available that may save your eyesight or your life, but you don't get that choice because you lack health coverage and/or other criteria."

Now granted, it looks like the government will, indeed, enact stricter laws and regulations on providers of health coverage and that's going to be a good thing. It may open the doors to more affordable coverage and quality care for that many more citizens, BUT, without a government option just as many, if not more, citizens are still going to be left behind... just like Dan Brodrick's wife.


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