Back on the Road

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AHHH! We jolted awake at 9 AM — we had all passed out for 10 hours!  It feels great to get some rest in, but that means I missed another hotel workout.  Oh well!

 

I did manage to DASH downstairs to grab breakfast before they closed down the buffet (does that count as my workout?).

CIMG3129

An English Muffin with cream cheese, scrambled eggs, hash browns, and LOADS of fruit.  Plus a water (I’m so dehydrated!).

 

Do You Have Health Insurance?

 

I read this interesting article while eating my breakfast.  Insurance industry experts have dubbed the millions of 18-to-20 year olds without health insurance the "young invincibles," a group who reside in a precarious gray area when it comes to insurance coverage.  Many work low-wage jobs, yet they just miss qualifying for government low-income health insurance programs.  They can no longer get insurance under their parents’ plans.

 

Instead of paying exorbitant prices, many young people choose to remain uninsured, risking injury while harboring the belief that youth alone can buffer them from illness.

 

A recent study conducted by the Commonwealth Fund, a center for health care policy, found that 13.7 million people ages 19 to 29 did not have health insurance in 2006. The total number of uninsured that year was 47 million, which means "young invincibles" composed almost one-third of all the uninsured in the U.S.

 

Do you have healthy insurance?  Is it through your parents’, your work, or do you pay for a private plan?  Would you ever go without?  Why or why not?

 

I have insurance through my work, but we could not afford to put the Husband on my plan  because it would cost us $200 a month + a $1000 increase in my deductible.  So, he stays on his parents.  Thank God!

{ 54 comments }

 

  • Nicole (anotheronebitesthecrust.wordpress.com) March 22, 2009, 6:31 am

    I’m still in school, so I stay on my parent’s insurance! Thank goodness, I know I wouldn’t be able to afford it myself! I know far too many people who remain uninsured šŸ™

  • loveofoats.com March 22, 2009, 6:32 am

    have a safe trip back… i want some of that fresh fruit šŸ™‚ yum!

    honestly i would never think of going without health insurance, but then again i guess if i was in a financial situation where money was tight, it would probably be a possibility, you know? i guess it’s all about your situation and priorities…

  • VeggieGirl March 22, 2009, 6:41 am

    FABULOUS night’s sleep you had!!

    Drive safely!! šŸ˜€

  • ksgoodeats March 22, 2009, 6:41 am

    Have a safe trip back home!! I’m still on my parent’s plan thank goodness, it’s not worth risking it!

    PS. Your hunk of cheese from yesterday, yum šŸ˜‰

  • sloank March 22, 2009, 6:46 am

    I’m in grad school so I am so blessed to be on my parent’s plan still. I can’t imagine how people get by without it!

    Just out of curiosity, did you find a helpful way to cope with the “exercise guilt”? I’m in grad school AND I work full time so sometimes my body just cannot seem to exercise after work and class… and the guilt really gets to me!! I’m really glad you brought the topic up and I’m not alone!! What did you find works best?

  • Matt March 22, 2009, 6:49 am

    I get mine from my parents since I am still in school!

  • Amanda @ Fake Ginger March 22, 2009, 6:51 am

    Have a safe trip home!

    We are uninsured at the moment. My husband was laid off in November and his new job’s insurance wasn’t worth it. We’ve been lucky that the only doctor visit we had was a well baby that didn’t cost us much. We’re hoping that husband can find a better job within the next few months so we can get insurance again.

  • livelovelaugheatlearn March 22, 2009, 7:02 am

    I live in a country with a free healthcare system and I am well aware of how incredibly fortunate I am!!!! I know how how expensive it is for americans though and I’m not sure if I lived there if I would be able to afford it. Hopefully you will all have a universal healthcare system soon!

  • teacherwoman March 22, 2009, 7:02 am

    I do have health insurance. My employers pay a good chunk of it. I remember when I graduated from college with my BS and I was no longer eligible to stay on with my parents plan. It just wasn’t an option to NOT be on health insurance. It was out of my pocket then, a good chunk of money each month. I was so excited when I got a full time job that covered most of it! šŸ™‚

  • Anna March 22, 2009, 7:07 am

    health insurance in mandatory in Massachusetts, so you bet I have it. I’m still on my parents’ because I’m a student, though.

  • kirsten March 22, 2009, 7:08 am

    luckily me and my boyfriend each have good insurance policies through our jobs. Unfortunately though having insurance is part of the reason I feel “stuck” at my job unable to do free lance type stuff. Hopefully that will change when I eventually get married and can go on my bf’s policy.

  • Julie March 22, 2009, 7:10 am

    I have it through my work. It’s actually the law in MA that everyone has to have health insurance.

  • Anonymous March 22, 2009, 7:13 am

    Safe Travel’s coming Home..

    My 19 yr old daughter work’s, and is not a full time student..so she has no Health Insurance..I can’t afford to cover her, and she doesn’t make enough to do it..

    I pay a 420.00 a month to cover myself and my 13 year old with health,dental and vision..and I work as a Nurse..this is through my Job..

    It make’s me sick to think of her with No Health Insurance, but I can’t do anything about it..I just had charge another Credit card to take her to Urgent care, because she’s been sick and couldn’t get over it without a Doctor’s visit..the cost was horrible!!

    I worry about this constantly..

    The United States has got to find a solution to this problem..

    Sandy

  • Anonymous March 22, 2009, 7:17 am

    Mandatory Insurance in MA ? What if you can’t pay for it..what if you make a few dollar’s too much on your pay check, but still not enough to have Insurace??
    I can’t imagine the system this State has in plan..I’ll have to look it up..

  • Kimberly March 22, 2009, 7:18 am

    Nope, no insurance (but I’ll have it again when I enroll in grad school this summer). At my last job, I had to pay for my own, believe it or not — $400 a month for a fairly crappy HMO. Sadly, many of the “young invincibles” are college graduates working in professional but low-paying fields such as journalism, film, nonprofits, etc, whose employers are hiring them as full-time “freelancers” to avoid the cost of employee healthcare (and try affording private health insurance when you’re living on 35K in NYC.) Can you tell this is an issue that burns me up? šŸ˜‰

  • Amelia (AC/DC: Highways to Health) March 22, 2009, 7:34 am

    I have health insurance through work. Thank goodness too! I would so be one of those people who puts off getting it and just hopes nothing happens. I cannot imagine having to deal with doctors bills without it.

  • Hi! I'm Erin March 22, 2009, 7:37 am

    It makes me sad that restaurant fruit is almost always melon. I don’t like melon!

    As for health insurance, I was on my parents’ plan until I graduated college at 22. Then I almost immediately got a job working for a local government office which provided health insurance. Ever since then I’ve always worked a job that provided health insurance for a reasonable amount of money.

    My husband has not been so lucky. He went many years without and there was even a point where we had to pay around $150/month for private insurance for him because, like you, it would have been too expensive to add him to my work plan.

  • therunningaddict March 22, 2009, 7:59 am

    Wow, this is a very American topic…in Europe, its just something so obvious…the State basically is in charge of this. I cannot imagine what it would signify if each one of us had to insure himself/herself alone…

  • Trish March 22, 2009, 8:10 am

    I have insurance through my work. But every year I see the cost of it going way up – and I worry that they’ll either cut it, or ask me to pay for it(which I could not afford). The whole health insurance situation is bad. I mean, if you’re sick, you need care. It’s not a “want”, it’s an absolute NEED! I still dread getting sick though because even with insurance, I know the bills to me would still be high.

  • Haleigh March 22, 2009, 8:28 am

    Have a safe trip back to Orlanda, hope you enjoyed your trip! Breakfast looks delicious! I always have access to health facilities because I am Cherokee šŸ™‚

  • Andrea (Off Her Cork) March 22, 2009, 8:28 am

    I have insurance through my husband’s work. Being self-employed I would not be able to afford it on my own. Sad but true. Health insurance is crazy expensive especially if you’re female and of child-bearing age (another rant for another time). Since my husband’s employer is in another state, we purchase private insurance and then get reimbursed. The amount we pay is seriously ridiculous and the fact that mine is so much more expensive than my husband’s makes my head explode.

    Glad that you are having such a great time and the area looks amazing!

  • Victoria March 22, 2009, 8:29 am

    It’s nice he’s able to stay on his parents’ plan, even after you guys got married.
    We have good health insurance through my husband’s job, but quite a few of my friends have none, and i’ve really seen them struggle with even the most minor things.

  • Audrey March 22, 2009, 8:29 am

    interesting..i have insurance through my work (for free) which is amazing but i live in mass. which requires every person by law to have health insurance..

  • Run Saraaah March 22, 2009, 8:33 am

    The US system is different than in canada, everyone receives basic health insurance. It scares me the numbers of uninsured in the US!

  • inmytummy March 22, 2009, 8:38 am

    I’ve had periods where I didn’t have insurance. A lot of times when I’ve started a new job, they’ve made new hires wait 3 months for health insurance to kick in. Sucks.

  • Red Head, Yellow Dog March 22, 2009, 9:37 am

    Luckily my dad is nice enough to pay for my insurance right now because lord knows i can’t afford it. It’s really ridiculous how much it costs each month.

    drive safely!!

  • Anonymous March 22, 2009, 9:38 am

    I lose my parents insurance in 2 months when I graduate from law school and the lack of a job currently makes me very nervous about what I am going to do about it. I have two prescriptions a month that I know will be expensive. It is just hard because I have to study for the Bar, take it in July, then not find out if I passed until Oct, which makes for a lot of time until I can actively search for a job in this economy. Es no bueno.

  • Christine March 22, 2009, 9:39 am

    I have insurance through my husbands work and its very affordable ($120 a month for the two of us) ALso since I’m in school for anesthesia..we are required to have it (needle sticks, AIDS risk, etc) However…if I wasn’t required..and my husbands work didnt provide it..I would absolutely go without haha. I like to live life on the edge šŸ™‚

  • Amy March 22, 2009, 9:47 am

    In Massachusetts we are required to have health insurance so I have it through work. When I go back to school in the fall, I’ll either be on the school plan or get it through the state. I’d never go without insurance. Things can happen in an instant whether you’re young or old. My health is one thing I’ll never risk.

  • sandy March 22, 2009, 10:11 am

    I had insurance until I turned 22 this past december so I cannot be on my parents plan anymore even though I am still a student. Luckily I am getting married soon and my bf is a police officer so he has good insurance =)

  • Julia March 22, 2009, 10:13 am

    I didn’t have insurance for 6 months right after i got off my university’s student health plans. I honestly could NOT afford to join a private plan, and my employer did not have insurance. Thank GOD nothing happened in the 6 months, because as soon as I got a job with great benefits, I started needing to go to the doctor! phew
    It is scary to be uninsured for sure.

  • jenn March 22, 2009, 10:15 am

    great topic. i work for the american medical association; who runs the “voice for the uninsured” campaign.
    i used to not have health insurance, during the time i was 20-25, im 27 now and if it wasnt through my company, i still wouldnt have it.
    even making a decent salary, the cost of insurance a month is just too high to pay along with all your normal bills (student loans, rent, car, car insurance, gas, food, cable, electric, etc and i also live in very high cost NJ) the easiest one to say no to is health insurance. its sad, but its extremely true for many people. even people with insurance still neglect go to the doctor when they should b/c of high cost copays, or specialists not being covered untiled a certain amount has been paid first.

  • *One Step at a Time* March 22, 2009, 10:16 am

    Health Insurance is required in my state. I am a grad student and am not longer covered under my parents insurance because I turned 23 in January. I waived the health insurance school plan for the year…so as of January, I was without health insurance and ILLEGAL! Haha. My parents thankfully extended my coverage for a few months until I can get on the school plan! šŸ™‚

    Have a safe trip!

  • Meredith (Pursuing Balance) March 22, 2009, 10:48 am

    I’m on my school’s health insurance plan, but honestly am not sure why my family paid so much for it since it doesn’t even cover annual physical exams šŸ™

  • Claire March 22, 2009, 11:23 am

    I was on my parent’s insurance until last year, so now I have my own. It is required at my med school! Next year, as a resident, I’ll have insurance through my work. I don’t think I’d go without it.

  • Katie March 22, 2009, 11:23 am

    I’m insured through my husband’s employer. I carried it through my employer until we got married, but his plan is much better and it was cost effective to drop mine.

    There was a period between graduating from college and finding my first full-time job when I was uninsured. It was horrible. It’d get sick and not go to the doctor because of the cost. Luckily that only lasted for about a year.

  • Tami March 22, 2009, 11:35 am

    we have excellent health insurance. we pay about
    $3000 a year and the university my husband works for pays about 17,000

    we just got a letter from the uni. telling us the total cost of employing him, with vacation, retirement, etc, etc it was an additional 30,000$

    i have no idea what the answer is but something needs to be done about health care industry

  • Brandi March 22, 2009, 11:40 am

    looks like you guys have had a fun trip!

    yes, we have insurance (we’re 25 and 27) and we’re both on mine through my job at Virginia Tech. Thank goodness it wasn’t too much to add my husband on to my insurance!

  • redheadedjournal March 22, 2009, 12:09 pm

    I had a small cut in my hand that turned into $50,000+ worth of surgeries so hearing about people being uninsured makes me sooooo nervous! One little thing can cause people to get into major debt.

  • Anonymous March 22, 2009, 12:17 pm

    Perhaps we should consider individual responsibility instead of what the state can do as a more effective expression of utilitarianism (it’s an intresting concept since it could be considered selfish). Obesity has as a disease? How about push away from the table and go for a walk instead of subscribing to another tier of cable?

  • balancemycake March 22, 2009, 12:48 pm

    I’m graduating from college this year, but will be going for my Master’s immediately after and luckily my mother’s insurance policy offers coverage for full time students until age 23..so I’ve got 1.5 more years until I need to find a job that offers it šŸ™

  • Tina March 22, 2009, 12:56 pm

    Yep, it MA it is mandatory to have health insurance, But, it is fine by me because I grew up without it (we couldn’t afford it) and my poor mother was paying medical bill for years and years!

  • Bec March 22, 2009, 1:37 pm

    In Canada we have universal health care but its still so important to have coverage for dental, optical and a drug plan because those things can add up!

  • Heather McD (Heather Eats Almond Butter) March 22, 2009, 2:25 pm

    I’m on my husband’s insurance through his job. Before getting married, I went without health insurance for a while as I worked as in independent contractor doing massage therapy. I was denied an individual policy due to a stress fracture I got while training for a marathon. My sports med. doc. even wrote the insurance companies (I was turned down twice) explaining that I had simply over-trained, but they turned me down citing that a stress fracture could be early signs of osteoporosis. Isn’t that ridiculous?!?

  • Dori March 22, 2009, 4:00 pm

    I pay SO much money just to have health insurance — $500/mo, not counting what I pay for dental. Iti s awful, but I could never go without. And my mom would never let me!

  • Caitlin at Healthy Tipping Point March 22, 2009, 5:42 pm

    sloank – i think the answer is that i just need to adopt a positive mental attitude about it and move onwards and upwards. exercise guilt is all mental, and i try NEVER to let my emotions negatively control me. so, i’m just getting back on the saddle. whats in the past is in the past.

    sandy – im sorry to hear about your daughter and i pray she stays healthy and safe!! i also hope we find a solution for our heathcare crisis SOON so hardworking people like you can actually afford to LIVE! thanks for sharing your thoughts.

    kimberly – its really effed up that companies do that, and i agree with you!!

    anon (the lawyer) – good luck on the bar!!

  • haya (living and learning) March 22, 2009, 6:26 pm

    my work insurance is really awesome and i am very lucky to have it. granted i do live in canada where basically everyone has access to free coverage, but now i also get 80-90% of dental work, eye stuff, prescription drugs, etc that aren’t covered by the govt health care and it is great.
    if i were not working, i would probably squeak by without extra insurance. my dentist has a cheaper price plan for uninsured and i’d take the risk of paying for prescriptions and other expenses as they came up.

  • Pam March 22, 2009, 6:30 pm

    I’m in Pittsburgh! Where did you live here?

  • Caitlin at Healthy Tipping Point March 22, 2009, 6:35 pm

    pam – yay pittsburgh! while at pitt, i lived in the dorms, on bouquet street, on mckee street, and on atwood street. all in oakland šŸ™‚

  • HangryPants March 22, 2009, 6:41 pm

    I don’t have it, which I know is horrible and stupid, but I can’t pay for it right now. I am in the process of getting on Mark’s.

  • Pam March 23, 2009, 4:12 pm

    Ohh I went to Pitt too and lived in Oakland for a couple of years. Love your blog!

  • Jess March 24, 2009, 12:27 am

    When I graduated University I went for about a year without full health coverage (we don’t call it insurance) because I was working on contract and not as a full-time employee.

    I live in Canada, though, so most health issues are covered. I just didn’t go to the Dentist that year and hoped nothing major arose.

  • Bridget March 25, 2009, 4:11 am

    In my program, we have the Japanese National insurance plan. It covers 70% of everything for treatment of illness. Now, that means that normal pregnancy related check-ups and delivery aren’t covered; plastic surgery isn’t covered unless it’s reconstruction, etc.

    I didn’t want to be stuck without insurance, because of my history of neurological problems. So, right after college, I took a crappy low-paying job because it had insurance benefits. I needed the benefits a few times, so the low pay ended up being worth it. A lot of my co-workers didn’t opt for the insurance, though…they said that it was just too expensive.

    My friend just shattered her ankle here last weekend. She has to have surgery on Friday. It’s not so expensive here, because so much is covered. But, even insured, I couldn’t have afforded surgery after college. (I doubt she could have either).

    Here’s to hoping that this horrible problem is solved soon! It’s ridiculous how many different kinds there are (some are really crooked), how many loopholes there are in coverage. Ack!

  • Caroline March 26, 2009, 7:11 am

    I work for the state Board of Regents (through a state university) and get great health coverage but definitely pay for it. Due to budget cuts the university isn’t paying for as much of our insurance and the small raise I received at the beginning of the year has been completely obliterated. I would never want to go without health insurance, especially now that the husband has a working motorcycle.

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