Rebuilding our Community By Dr. Andrew Calhoun, Ed.D. Special for the Milwaukee Times

October 14, 2013

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Rebuilding our Community

By Dr. Andrew Calhoun, Ed.D.

“Life is not the amount of breaths you take, it’s the moments that take your breath away.”
This is one of the notable quotes the leading character, played by Will Smith, makes in the movie “Hitch.” Just such a moment occurred on October 1, 2013, when it became official that over 43 million uninsured Americans could begin to sign up for health insurance, even with pre-existing medical conditions. This new law is better known as ObamaCare.
As you are aware, maintaining a good health insurance plan for yourself and your family is essential to improving and extending one’s quality of life. Those with a great insurance plan are truly blessed, while those who are struggling to make ends meet find it quite difficult to afford any health insurance at all. However, even for those with good health plans, there are financial limits within those plans and not covered by the standard insurance premiums.
Over the years, health insurance companies have always set risk limits on various medical conditions and what would be covered for those who become ill. And if and when those coverage limits were reached the ongoing costs to cover those future medical bills would have to be paid by the individual or family. In many cases those with high risk medical conditions would be dropped from future policies with the same company, face restrictions or much higher future premiums. If and when a family finds themselves dropped from a policy, then the task of finding another health insurance carrier is nearly impossible. All health insurance companies do not want to take on the risk and the cost of providing a level of care for an individual or family that has pre-existing medical health issues. The pre-existing medical condition occurred before a program of health benefits when into effect. In most of these situations, families have been left high and dry, saddled with enormous debt, unpaid medical bills, losing their homes, wiping out their life savings and reducing the ability to enjoy any quality of life.
Offering a great health insurance package and other family benefits was once the hallmark of major companies. They prided themselves on maintaining a quality workforce, longevity, loyalty and good working conditions. However, today many of those kinds of companies, both private and public, have reduced those kinds of benefits and more. Today, it is more about the bottom line and not the workers who keep the company profitable.
It been a long time coming. Numerous US presidents have tried and failed to get something like this in place, but now it is official… Health Care for the most vulnerable individuals and those families that have experienced a health care crisis that has left them without any coverage at all… it is now available and affordable.
Dr. Andrew Calhoun, can be contacted at, Twitter #AC53, or call 414-571-5015.