Late one night about twelve years ago, our baby daughter Sasha woke up sick. When we took her to our pediatrician the next morning, he took one look at her and sent us straight to the emergency room. He was worried that Sasha might have meningitis and he was right.
But we were lucky. While our finances weren’t exactly in great shape back then we were still struggling to pay off our student loans and pay down our mortgage we had health insurance. So during the three long days Sasha spent in the hospital, our only worry was about her health because we knew the bills would be covered. And fortunately, while her care must have been terribly expensive, it didn’t come anywhere near triggering her lifetime insurance caps.
Sadly, too many families with medical crises like ours aren’t so fortunate. Week after week, my husband and I hear from mothers whose children have serious illnesses, or whose babies were born prematurely, requiring months or years of special care. As a result, these kids have blown through their lifetime caps by the time they reach elementary school. We also hear from parents whose children were diagnosed with conditions like asthma, or diabetes, or cancer who have to pay outrageous rates for health insurance because those illnesses are considered pre-existing conditions.
For decades, these kinds of coverage caps and this kind of discrimination were perfectly legal, so many parents were terrified of losing or leaving their jobs because they knew they would be unable to afford insurance for their families. And many kids grew up terrified of aging out of their parents’ insurance plans because they knew they could never afford coverage on their own.
Fortunately, under the Affordable Care Act, insurance companies can no longer discriminate against people with pre-existing conditions, and they can no longer put lifetime caps on your insurance coverage. In addition, kids can now stay on their parents’ insurance until they’re 26 years old. And for families who don’t have insurance, you can now go to the Health Insurance Marketplace at healthcare.gov, and you’ll find a range of insurance choices all in one place, lined up side-by-side, and explained in easy-to-understand language. You can compare what each plan covers and how much each plan costs, and you can then choose the plan that works best for you and your family. Millions of people will qualify for lower costs on their monthly premiums in fact, many currently uninsured people will be able get coverage for less than $100 per person per month.
Having these kinds of choices and protections is vitally important for all our families, because in the end, none of us knows what kinds of accidents or illnesses our children might experience over the course of their lives. And that’s really one of the hardest things about being a parent: no matter how careful and attentive we are, no matter how much love we pour into our kids, we simply can’t protect them from every from every hardship or crisis they might face.
But fortunately, because of the Affordable Care Act, we now have the security of knowing that no matter what life throws their way, we’ll be able to get our kids the care they need. As a mother, I can’t think of a better gift this holiday season.
MORE ON BABBLE:
How the Affordable Care Act Hurts Families Like Mine
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What You Need to Know About Healthcare Reform