I am unhappy with the lack of choice I have with my health insurance. As an international student studying business in the United States, the health insurance I purchased through my university provides me with a plan that is very different from a close friend of mine who gets her insurance through her job. For example, my insurance gives me 10 visits of therapy care a year with a psychologist, whereas my friend gets unlimited therapy with her plan. This is because my friend’s insurance plan gives the therapist the ability to make the decision of how long a patient needs to be seeing him/her, whereas my plan already made that decision for me ahead of time. I didn’t have a choice in being able to review different plans to obtain more therapy (since mental health coverage is necessary for me) and as a consumer of American healthcare I expected to have been given more choice in options for health insurance, especially since it’s a product that is purchased and sold. This makes it even more important since access to healthcare in the U.S. is through insurance.
It was the first time I got my physical post Obamacare. I was still charged my $25 copay as I was checking out and leaving. Apparently its no longer free because it was an extended visit. We talked about other things (personal health issues, outside of the realm of the physical questionnaire) which made it no longer a “physical” appointment. I always was under the impression that the point of a physical was to discuss personal health issues. Thanks ACA, but no thanks. The incentive has now been diminished.
Real life stories
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"Your silence will not protect you." - Audre Lorde