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Graciela Tiscareno-Sato

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To SCOTUS and President Obama- My Uninsurable Child Thanks You

Posted: 07/05/2012 9:56 am

No issue has ever drawn me into a two-hour debate on Facebook; last week's Supreme Court announcement upholding the Affordable Care Act did it.

Voices of parents raising children born prematurely, or with disabilities, have not been the loudest in this debate. I want us to be heard now so that those of you clinging to old, Tea Party/Limbaugh-inspired rhetoric about how you have lost something (you know who you are), that it's violating your individual freedoms, etc, can begin to realize that this decision is not about you. This decision is about my child, about a child you know, about a child or grandchild you might someday have, and about millions of others who are rejoicing with the recent SCOTUS decision confirming the constitutionality of the ACA.

First, a quick thanks to recognize the wisdom and courage of Chief Justice John Roberts on this, and the four others that voted with him. We parents of children with special needs are rejoicing today and are significantly less fearful of the future.

Why? My first child was born into the world weighing one pound two ounces, at 25 weeks gestation -100 days too soon. We thank you because:

- You upheld the individual mandate under congressional taxing authority - a smart move to ensure Americans of its constitutionality and make it clear that choice remains, whether they love the choices or not.

- Because you upheld two provisions that, had you struck them down, would have forced us to relive nightmares already lived -- like when my daughter was dropped from my employer-provided coverage after reaching the "lifetime maximum" on day 82 of her life, two weeks before her due date, while still hospitalized in the NICU (a journey that would last 137 hellish days.) Because you upheld this key provision of the ACA, other mothers and fathers won't have to go to the extremes I did to keep her covered, extremes that included threatening to kick my own employer and our insurance company in the PR nuts to keep her covered, stressful stuff like that.

-Because you upheld the provision that protects my daughter from corporate entities that called her "uninsurable" to my face. She was uninsurable because she had five surgeries after birth just to save her life, and a tiny bit of her sight. She was deemed uninsurable because her medical history includes "lung disease," (scarring) which developed when a ventilator was used to save her life in the very beginning when she barely had functioning lungs. Those faceless insurance companies didn't want to take that kind of risk on insuring her, even though she's a super healthy kid now. She just doesn't see beyond light and shadows. But she's damn good on snow skis and getting better in the pool. Thank you SCOTUS.

Not everyone is happy with the decision of course and that's why I spent two hours on Facebook expressing my joy and encouraging them to read beyond the headline. From military friends I saw stuff like "SAD DAY IN AMERICA...R.I.P Freedom" linking to the story. Thoughts like "As military member(s), we live, fight, and die for INDIVIDUAL FREEDOMS, and the right to be free from tyrannical governments imposing their will on you with an Iron Fist!"

As a military veteran myself, I offered this soldier three ways to think about it, hoping it might help him (and others) in some way:

1. As a military member with all healthcare benefits provided, you have already happily surrendered so many individual freedoms to serve haven't you? Freedom to wear your hair as long as you want? No. Live in base housing and want to let the grass grow to 12" tall? No. Want to attend your friend's wedding that takes place 3 weeks after your deployment date? Sorry. Want to use your freedom of speech to tell the major to go *!&! himself? No. Shall I continue? You love the will imposed on you or have at least come to accept it; it's this President you love to hate, yes?

2. You have a choice: buy insurance (pay a private company) or pay a fine/tax (to the government) into the pool of money you're going to use when you are in a car accident and end up in the emergency room with no private insurance. Easy, choice is preserved. You do your own math, choose your risk and live with consequences. But, now you're required to take personal responsibility to prepare for that contingency and not free load when your gamble goes against you.

3. Use the social security analogy - you have no choice but to pay, because you will very likely use it someday.

One of those approaches will hopefully help many get over the whole loss of freedom rhetoric they've subscribed to, now that this has finally been ruled constitutional. You don't have to love it. Who loves paying Social Security taxes? Yet we know we must and that we'll likely benefit as we age. Now this thinking can be applied to healthcare insurance coverage, but you still have a choice.

Let's try to read beyond the headlines. Let's return to appreciate the very real benefits that children (17 million kids alone) and adults with "pre-existing" conditions can now breathe easier, as I'm today. There's a little girl in my life that is blind, wears hearing aids and has other medical needs you can't imagine -- so just trust this mother on this point. The Supreme Court has ruled that they too must be insured by insurance conglomerates, who before were happy to drop them, and healthy people when they become sick. And their coverage won't end, as it did when she was born, when some random number, some maximum, is reached. Human bodies, disease and disability are all unpredictable.

Kara Ramirez, another mommy raising a premature child that I connected with in the Facebook group called It's a Preemie Thing, posted, "Thank you Mr. President for ensuring my daughter, who has several preexisting conditions, the ability to be medically insured for the rest of her life. It doesn't make sense to me how people can be denied healthcare based on numbers on a paper or what they've been through."

One of her friends eloquently stated, "I am finding those that are opposed are misinformed about the topic." BINGO.

For the invincible "I shouldn't be required to buy insurance or pay a fine because I don't need it" crowd, who can pay but would rather stick the cost of their care to the rest of us, I offer this thought: Project your mind into the future day when you will be sick, in a likely car accident or simply old and worn out. That's the day you'll look back and begrudgingly thank our President for his leadership on this, even though you'll hate it. You'll also realize then that these actions likely helped you avoid bankruptcy due to medical bills. In fact, I remember a CNN article titled "Medical bills prompt more than 60 percent of U.S. bankruptcies," that you should read if you're still screaming individual freedom violation.

Lastly, if you have no children yet and do plan to reproduce, I wish for you supremely healthy offspring someday. But if something out of your control should intervene (genetics, fibroids, mysterious premature birth, childhood cancer, any one of many syndromes, etc) and you bring into the world a child like mine, you too will look back and thank all three branches of our government for getting this one right.

 
 
 

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No issue has ever drawn me into a two-hour debate on Facebook; last week's Supreme Court announcement upholding the Affordable Care Act did it. Voices of parents raising children born prematurely, o...
No issue has ever drawn me into a two-hour debate on Facebook; last week's Supreme Court announcement upholding the Affordable Care Act did it. Voices of parents raising children born prematurely, o...
 
 
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09:49 PM on 07/12/2012
Dear Ms. Tiscareno-Sato:

May I KISS you for this article!?

God Bless you for speaking up, for speaking out. I have Spina Bifida (a birth condition), and will now be able to remain insured by my parents until age 26. It bought me some precious time!!

You can't put a price on that.

--Laura :)
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Graciela Tiscareno-Sato
02:24 PM on 07/20/2012
Laura, Yes, you may kiss me. :-) One of my daugher's NICU nurses, a Latina too, had Spina Bifida. I will never forget her. Her name was Nellie and she inspired me every day watching her care for those fragile little humans. I appreciate your kind words!
02:48 AM on 07/11/2012
I want to hear some live testimonies from people (patients not providers) that will lose benefits or be penalized by Obamacare. Health care is about people first and providers second who must provide what the people need at a price they can pay.
02:17 AM on 07/11/2012
OBAMACARES!!! He doesn't need it himself but he wants all his 'countrymen', all Americans to be able to have it as easily as possible. His VISION is for AFFORDABLE and ACCESSIBLE HEALTHCARE for ALL AMERICANS. This is the start and improvements will be adopted in future with experience.
The republicans have a totally different VISION to Obamacare which the must replace. The must have a different VISION. Let's wait for it.
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bdunlap52
02:06 PM on 07/09/2012
All well and good, and happy your daughter is doing fine, but do you have any idea the cost, as a NATION, this will come to? This does not lower insurance rates. Mine went up 22% just last year because of this bill. This does not lower costs whatsoever. What this does is say the government can force me to buy a service from a private company. What happens when they decide an electric car is "necessary", and then tell me how much of my own money I can afford to pay for it? What about if they decide I have to put solar panels on my roof, and then tell me how much I can afford to pay? We are letting the government tell us to buy something, some of us against our will, and we let them tell us how much of our money we can afford to spend. If you can't see past your own personal short term gain, I'm sorry, but this opens up a door that can very easily be used the wrong way. What if they decide EVERYONE needs to own a firearm for protection?
02:57 PM on 07/09/2012
All the liberal rhetoric about "lowered costs" and "fairness" is a smoke screen for the real goal. The more voters who receive free services from the government, the safer the power hungry office holders are in their thrones. And think about it, there are already "penalties" for not having electric cars and solar panels on the roof. The penalties take the form of denied tax credits. If you have the electric car or the solar panels, you get a tax credit. If you don't have them, you miss the credit. Clever, huh? No fears that the government will EVER require all citizens to have guns. That would be far too dangerous!

George Mason said, “I ask, sir, what is the militia? It is the whole people...To disarm the people is the best and most effectual way to enslave them.”
02:50 AM on 07/11/2012
Try to think outside the box. This HC can certainly be reinvented. Our US model isn't the best in the world by a lot of measures.
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bdunlap52
09:37 AM on 07/11/2012
So we spent billions of dollars on something that we need to reinvent to make work?  Gee, sure sounds like a good use of taxpayer dollars.
03:50 PM on 07/07/2012
To use my original example in a slightly different way, let's take your case. I do not know how much has been spent on your daughter's care to this point, but you did mention that in the initial period of hospitalization, your insurance company paid out until they reached the policy's million dollar cap. So let's use the $1 million figure. If premiums on this policy are (hypothetically) $600 per month, it would take over 1600 months of premiums for the insurance company to break even on that one case. Since no one pays insurance for 140 years, let's turn that into 1600 PEOPLE each paying $600 for one month, while 1599 of them make no claims at all. In other words, those 1599 people have spent their money, with no return to themselves, in order for one person to have a large return. Now, what would happen if all of those people got sick during that period, or for whatever reason decided they wanted to visit their doctor and make claims on their insurance policies? Where does the money come from to pay the claims? The money tree? Bailouts? And goddess help us when the government gets involved in forcing the functioning of insurance to the point that basic laws of economics are disregarded. Charles Ponzi was arrested and imprisoned for this sort of behavior.
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Graciela Tiscareno-Sato
11:46 AM on 07/09/2012
One more number for you: this employer has 70,000 U.S. -based employees paying those premiums monthly. Go ahead and do the math --you'll see the insurance companies will be fine. Happy to see your compassion towards those entities. Perhaps you'll reserve some for humans as well. Thanks again for your comments.
03:09 PM on 07/09/2012
And, just for "fairness'" sake, I'll pretend than those 70,000 people are hale and hearty, with no need for medical services.

And just for the record, my compassion for humanity includes wishing for each individual the spiritual roundness of self sufficiency rather than victimhood. It's a bit odd to suggest compassion for a business, or a class of businesses. However, I feel a great love for the theory behind the American system. Free men trading freely is an amazing network of trust and honor. Sad to be seeing it thrown aside so cavalierly.
03:49 PM on 07/07/2012
To return to the issue at hand, I reiterate my initial point, and that is that Obamacare is a house built of cards. There can be no such thing as universal health care under the current system of delivery. I think my understanding of the purpose and function of insurance may be a little more complete than yours, in that I recognise the absolute necessity of profit for any company which hopes to remain extant. There must be more money going in than there is going out. (cont. in next post)
03:47 PM on 07/07/2012
"Wow, you demonstrate in your math, a complete lack of understanding of the purpose of insurance. Amazing, but you're also clearly wishing for an alternative reality, whereas the rest of us live in the real world and strive for knowledge and understanding there. Good luck with that!"

Having slogged my way through your initial HP infomercial, and then reading your obsessive responses to almost every comment thereafter, I am struck by your inflated attitude of superiority and incredibly condescending tone. Interestingly, you are not above kissing the asses of any and all who agree with you, while snarking to an embarrassing degree at those who dare to point out the shortcomings in your philosophy. That sort of need to be agreed with usually goes along with a deep insecurity, the source of which I can only guess at. Being the mother of three, I certainly sympathise with the heartache that attends any disaster befalling a child, and I do wish you better times ahead with your daughter. However, good sense and good manners beg that one bear one's misfortunes with some degree of dignity. (cont. in next post)
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Graciela Tiscareno-Sato
11:44 AM on 07/09/2012
You see what you want to see. Good bloggers respond to comments from readers --that's how we roll. If you find that obsessive, I can't help you with that. :-)
02:33 AM on 07/11/2012
This is a matter of life and death - philosophy be d....d!
Lynette
Liberals have a lot more fun!
03:14 PM on 07/07/2012
Great, now thank Mr. Obama by signing 20 people with uninsurable children to VOTE. Then tell 20 more people about the benefits of the new law.
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Graciela Tiscareno-Sato
05:55 PM on 07/07/2012
I'm happy to do all I can to ensure his reelection. :-) I like your specific suggestion too. Thank you!
Lynette
Liberals have a lot more fun!
09:28 PM on 07/07/2012
I know we can do this one neighbor at a time, but it's going to take a collective effort.  It's going to be a very close election.
02:40 AM on 07/11/2012
I thank Obama for his "VISION" of "AFFORDABLE and ACCESSIBLE HEALTHCARE for ALL AMERICANS" This is a start after decades of failure by Presidents and Congresses together. It's work in progress and needs improvement to fulfill the Obama VISION for this the RICHEST NATION on this here planet. Yuppeee!!!.
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02:49 PM on 07/06/2012
So what are your premiums? Funny how now the uninsurable are now able to be insured (or are forced to), though as far as I know there are no caps on what they now HAVE to pay the companies.
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Graciela Tiscareno-Sato
05:16 PM on 07/06/2012
Our premiums are manageable at the moment, as long as one of us remains employed where benefits are automatic w/o the medical histories of family members. The nightmare begins when there's a job loss, COBRA ends, and we're forced to try to find private insurance outside an employer-provided plan. Premium max caps are a GREAT idea. Do you think "We the People" could hire us some lobbyists to get that done? ;-)
11:43 AM on 07/06/2012
Thank you for taking the time to tell people, even when they resist. The Republican Party loves fetuses, but the minute the kid is born, they hate him.They have to love it but don't.The report shows a graph of the highest-ranking countries where medical coverage needed.

http://bigbudsmag.com/news/article/countries-biggest-potheads-are-revealed-july-2012
08:20 AM on 07/06/2012
I don't understand some people's shortsightedness. Some medical conditions are just pure chance, and not the result of poor lifestyle choices. Lifetime caps and being 'uninsurable' are cruel policies that they would not want to be applied to themselves or their family members.

It is good that your daughter is now insurable, but for-profit health insurance means that there will always be pressure to drop the 20% of people who use 80% of the services. Eventually, they will find a way to reduce/drop coverage.
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Graciela Tiscareno-Sato
05:14 PM on 07/06/2012
Beautifully stated...people don't get it until it hits home. :-) Thank you for your kind words.
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Dunewalker
06:49 AM on 07/06/2012
Excellent response. Thank you for taking the time to educate people, even when they resist. And may God continue to watch over your darling daughter and the rest of your family.
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TooLooze
Someone should do something about all the problems
10:51 AM on 07/06/2012
Faved your comment but even more importantly, may health care watch over you. May God not allow his followers to preach against health care.
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Graciela Tiscareno-Sato
05:03 PM on 07/06/2012
Thank you, on both counts! :-)
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Graciela Tiscareno-Sato
05:04 PM on 07/06/2012
Thank you for your kind words and good wishes. I appreciate you. :-)
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Dunewalker
06:46 AM on 07/06/2012
Please consider though, how many hospitals in those "opt out" states will continue to put up with having to treat the uninsured when there are hundreds of millions of Medicaid dollars going to other states as a result of their governors' foolishness. Something tells me that situation will not prevail for long. Hospitals have mighty lobbyists.
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Graciela Tiscareno-Sato
05:05 PM on 07/06/2012
Governors' foolishness is correct, but the advocacy and lobbying continue.....that part of the story is FAR from being finished.
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Dunewalker
06:42 AM on 07/06/2012
How in the world was anything taken from you? Did you lose your insurance once this preemie was able to get hers?
12:23 AM on 07/06/2012
Excellent article. I'm happy for all people who are helped by this medical coverage. God bless.
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Graciela Tiscareno-Sato
04:53 PM on 07/06/2012
Thank you for your kind words. :-)