I have lived in Fernandina Beach Florida for 29 years. Florida is one of the states that make up the United States of America. My family are among the poor ones here. I have had a lot of medical emergencies and so have the other members in my family. My father has had heart attacks and I have had schizophrenia attacks. In this article I will talk about what the financial situation is, and how it relates to the medical care we have had.
My Father was working on the Plantation of Amelia Island when he had a massive heart attack. He was working night shift as a janitor. A security guard called for an ambulance and picked up my father. He was then life lighted to Jacksonville, which means he was moved in a helicopter. He has been rushed to the hospital a large number of times, and has had a balloon surgery years after that event.
My Mother become ill with a bad appendix. She was saved just in time at the last minute when her appendix ruptured. She spent about a week and half at the hospital.
I was walking around in hot clothes on a very hot day. I nearly died after driving myself to the emergency room. I had become dehydrated and my heart was stopping. The doctors saved my life after fighting for it over a period of about 10 hours. I was released an hour later because of my insurance status.
Soon after that happened I was admitted to the hospital. I was now a schizophrenic. I cannot tell you the names of the hospitals and how many times I was admitted. After at least one week each time I was released. I was also rushed to a medical hospital after having panic attacks in the last one I visited.
Now that I have told you a little about our medical history, I want to talk about my review of it. The first thing I will talk about is not having insurance. If you have no insurance then the doctors and nurses try to get you released as soon as possible. This is about money. They are not expecting anyone with no insurance to pay the bill. They have to see you because the law requires it. Please do not get the wrong idea here. I know that doctors and nurses take pleasure in saving the lives of their patients. There are bad ones, but that is how things are everywhere. Back on the topic about insurance. Not having insurance can make your hospital visit shorter. That is desired, because it not only gets you home sooner, your hospital bill is lower.
Not having insurance has gotten me aid from the government. The government has programs where certain hospital bills get paid. They have never paid my bill in full, but it has made them lower. I believe my bills would be in the range of one hundred thousand without that aid (seriously).
I have no idea how much my parents owe, but I can give an estimate on mine. I am guessing my total bills to be around ten thousand. This includes ambulance rides which is very expensive. I have been admitted into about six different mental hospitals on about eight different times. Those bills range around two to three thousand dollars. That includes any ambulance rides.
Some bad results that come from having a large amount of medical bills include, bad credit, denied service (let me explain), a noisy pestilence that constantly uses your phone. The first of those I will talk about is the bad credit. I will then explain the denied service, and go into detail about the pestilence.
All that money that is owed to all those different hospitals, gives you bad credit with medical services. I have been turned away by hospitals because of money I owe. Because there is a hospital that I do not yet owe money to, I will be taken there instead. An ambulance turned me away when the police requested for it. I not only owe them money it is in the thousands. And one ambulance ride will cost about five hundred dollars. Which depends on how far the trip is and any equipment used.
Now about the pestilence. The pestilence I am talking about is the bill collectors. They will call at any hour, and call you anywhere they can. They have called my boss, and had me come from the job site so they could pressure me, which costed my boss a lot of money. They will call up and lie to your family members, just so they can get a chance to pressure you. My credit was ruined because of a bill collector who later kept asking me for a credit card number. A credit card number I cannot get because he ruined my credit. They do their best to make you get angry and upset, so you will say the wrong thing over the phone (now we can get suied). They keep your phone line tied up with their phone calls, and fill up your answering machine with artful garbage (that one is new and creative). They do all this just to try and get money out of a piggy bank that has nothing in it. In a short phrase, they are “a noisy pestilence.”
As a result of all these problems with owing medical bills and not having insurance, me and my family will not go to a doctor. If the injury or problem is not life threatening, then the doctor is skipped. An example is when I drove myself to the hospital for dehydration. I skipped that ambulance bill. When ever we get the flu we do not see a doctor. We just suffer until it is over. We can only get a flu shot if they offer them for free. I never get a flu shot because of my age and resistance. If my father or mother get one I do not know about it. They should because of their older age.
That is my review of not having insurance or money for medical treatment. It is not that we do not want to pay them, it is because we cannot pay them. Inside that piggy bank is about three dimes, and the bill is for five dollars. The bill collector is swinging a hammer at the piggy bank so he can grab up the five dollars (only 30 cents inside). We are having to constantly move the piggy bank to keep it intact.
I have learned to not let any of these problems bother me. Things are how they are and being stressed or upset will not help, it will only make it worse. And it has, I was rushed to the hospital for a panic attack, which caused my bills to go even higher. I know the Lord will see me through. Where I have been cursed, I will be much more blessed by the blood of Jesus Christ.