SMRs and AMRs

Thursday, August 13, 2009

Falling through the cracks in the U.S. medical system

A congressman hears from constituents

By Mark Fischenich
Free Press Staff Writer
MANKATO, MINN.
August 12, 2009 11:58 pm

The worst day wasn’t the day when Christine Carmichael of New Ulm was a teenager and learned she had rheumatoid arthritis.

It wasn’t any of the 12 days during her life when Carmichael underwent surgeries for everything from hip replacements to a perforated ulcer.

It wasn’t the day when she decided that her private insurance ($900 a month) and out of pocket costs (approximately $1,400 a month) were more than she could afford with a take-home pay of $2,500 to $3,000 a month.

It wasn’t any of the long days she worked toward building up her New Ulm interior design business, hours that totaled as many as 80 hours a week despite her rheumatoid arthritis and ankylosing spondylitis, a chronic arthritis affecting her spine.

“The day that things crashed, I’ll never forget it,” Carmichael told Congressman Tim Walz (D-Minn.) Wednesday.

It was when three of her interior design customers — suffering because of the severe economic recession — called on the same day to say they needed to put their projects on hold. After years of ever-growing premiums and out-of-pocket costs, she had little in savings.

“I ended up having to default on my house,” Carmichael said. “It went into foreclosure in December.”

(Continued here.)

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