change in insurance blog # 4

when i was a kid my mother worked as a nurse at Shands Hospital in Gainesville Florida. I remember going to the doctor and they would ask her if she had insurance. She would pull out this card that read Blue Cross and Blue Sheild. Because I was born with asthma I had breathing problems as a child. I remember going back and fourth to the hospital. My mother would some times get my medicine from the hospital's pharmacy or she would go to the nearest place by our house. The point is she could go any where to get the medication I needed to make me feel better. Now that I am all grown up and have my own insurance through a company named Aetna things haved changed a lot. Now these insurance companies have this thing where they do not cover pre-exsisting conditions. That mean here I am a college student who is struggling and have a health problem and cannot be covered for it. Because I was born with asthma I cannot be covered for it under Aetna this is their policy. They also have this policy if I were go to a pharmacy and get a perscription filled through my insurance then that is the only place I have to use to get my medication. I ask this question to my self, is this ethical? the answer to this question is no, the insurance companies are not acting ethical at all. I feel if I have a condition they should threat it that is the reason for getting insurance right. How I found out that they do not threat pre-exsisting conditions is when I recently went to the emergency room for shortness of breath they billed my insurance carrier they wrote me back and it stated they cannot pick up the bill because of my pre-exsiting condition. We all know how much going to the doctor for asthma can cost. I think this is wrong and something should be done about this. this is a wayof ripping off the American people who think they are being covered for something when they go to the doctor and they are not. The bills come back to them and then go on their credit because they cannot afford it. Things haved changed so much from childhood to an adult and they will get worse as our children grow up.