H1N1 Fears Validate Illinois Health Insurance No Longer Optional
This year’s flu concerns should heed caution for individuals, who do not have Illinois health insurance. At present date, the H1NI has assumed 20 lives and hospitalized 476. [Source: Illinois Department of Health http://www.idph.state.il.us/h1n1_flu/sf_statistics.htm] Between the sick days, doctor’s visits and other medical necessities, the uncertainties of the H1N1 virus are too ominous to chance until the Obama health plan is finalized.
Insurance companies are working in accordance with the Centers for Disease control, the American Medical Association IAMA) medical facilities, as well as other locations throughout Illinois. Unfortunately, these benefits are not applicable to the uninsured. Approximately, 250,000 children are uninsured in the state of Illinois. [Source: http://www.allkidscovered.com/]. Following the sudden death of a 14-year old high school student of Naperville, families without medical coverage have several affordable health insurance options.
The Kronishs’ experience with H1N1 was a sickeningly expensive fiasco. When Mr. Kronish lost his job, the cobra benefits for a family of six was too expensive to maintain on a $57,000 annual income. Not to mention, all four children aged eight, 11, 13 and 14 had been a pillar of good health.
The Kronishs’ 11-year old son had an H1N1 scare that required urgent medical attention. Emergency room doctors ran tests, which lead to an overnight observation. Nerved by the sequence of events, the rest of the Kronish household was vaccinated. In the interim, forgoing Illinois health insurance cost the Kronish family the same amount it would cost to insure the whole family for a year $3875. The Kronish family remains uninsured and saddled with a new hospital bill. With any luck, they won’t endure another medical emergency, imposing additional financial duress.
Between the ER visit, five H1N1 vaccinations of $375, medical bills were a total of $3875, the same price it would have cost the family to maintain their cobra health benefits. Meanwhile, the Kronishs’ remain uninsured with a new hospital bill. Hopefully, they will not be struck by another medical emergency that will set them back even further, financially. In the interim, all Illinois health insurance plans are offering free vaccinations at the doctor’s office, health facility and designated companies (CVS, Osco-Drugs and Walgreens).
These medical benefits are inapplicable for individuals, who do not carry Illinois health insurance. The H1N1 virus demonstrates how the cost of an emergency room visit and overnight observation can quickly turn into exorbitant ordeal that a standard, Illinois health insurance policy would cover.
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