2011: my personal #ACA (Obamacare) story

This is my personal #ACA (Obamacare) story. It happened in 2011. The Affordable Care Act (Obamacare) saved our family a $5000 out of pocket payment to Montgomery Regional Hospital near Virginia Tech while my son was a student.

Coverage for adult children through age 26

One of the benefits of the Affordable Care Act is (was?) that parents can keep their adult offspring on their employer-sourced health care plan until age 26. In 2011, my 22 year old son was covered by both my insurance plan through my employer and the student health plan provided through Virginia Tech.

As a full time student, my son’s health care was covered at Schiffert Health Center, the on-campus health center which was stated to be a turn key health care facility, providing everything that a student would need. All of that was covered in the student’s health care fee included in their tuition. Having read that statement, I would not have enrolled my son in additional health care insurance.

One problem: the student health plan only covered services rendered at the on-campus health care facility. Luckily, the ACA provided coverage for my son in my employer’s health care program.

An ambulance ride and a visit to the ER

When my son went to the student health center with chest pains in March of 2011, he was informed that the center did not cover treatment for chest pain. They called an ambulance and my son was transported to Montgomery Regional Hospital.

The hospital performed the usual battery of tests for coronary trouble, determined that he was not having a coronary, and released him.

Having chest pain? You’re okay. Now walk home.

I’m going to go off topic here for a minute. The way that the hospital released my son really made me angry. Having determined that my son was not having a life threatening emergency, the hospital released him with no other diagnosis, no treatment plan, and no ride home.

Really? You’re treating a patient for a stressful, painful episode and when you realize that he’s not going to die on you, you boot him out with no ride home? Stressed out young people don’t realize that there are resources for finding a ride, at least not at first when they are scared and in pain. Shame on you, Montgomery Hospital. Eventually, my son did realize he could call a cab and only walked part of the 4 mile trip.

Mama gets the bill some time later

My son did not tell me about this incident at first. He knew that mama would not have been happy.

In April of 2011, I received a letter thanking me for choosing Montgomery Regional Hospital and a bill for $5000 for the ER visit and tests. Surprise!

So I called my son, got the whole story, and sent the bill to our family health insurance. They covered everything but the deductible, saving our family the $5000 out of pocket cost.

Thank you Obamacare!

Thank you Obamacare! Thank you President Obama, Vice President Biden, Senator Tim Kaine, and Senator Mark Warner! You provided my family with a safety net when we needed it most.

And thank you American Woodmark for providing me and my family a health care plan that covered everything we needed in 2011.

To quote Vice President Joe Biden on March 23, 2010, “This is a big f—ing deal.”

fullsizerender