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An Elkhart family, Obama & health care

Monica Cummings would be the first one to tell you there's something wrong with this picture: she works as a nurse, but neither she nor her family has health insurance, and they're drowning in tens of thousands of dollars worth of health care debt.

Monica (still wearing her nursing badge) and her husband, Alan, have three daughters, a 21-year-old, a teenager, and a second-grader. Alan was laid off nine months ago from his job making decorative molding for residential homes and RVs, so now he's a stay-at-home dad. We joined Monica, Alan and 7-year-old Abby as they watched the president's news conference Wednesday night. They were eager to hear what Obama would say about his plan to overhaul health care to help families like theirs.

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Both Monica and Alan heard things they liked from the president, including his promise that people with "pre-existing conditions," like Monica's asthma, would not be shut out from getting the coverage they need.

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"Get the politics out of health care!" Monica exclaimed at one point.

"Keep the insurance companies honest!" added Alan. Still, Alan said he wanted more specifics from the president.

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At the end of the night, the Cummings were cautiously optimistic:

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And then there was Abby. How does she feel about going to the doctor?

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(In case you couldn't quite hear that, what she said was, "I think it's kinda scary, but after it's done I feel kinda good because I'm all better.")

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{"commentId":8385528,"authorDomain":"gyadegar"}

lots of questions here. why doesn't she have coverage? did she decline the coverage offered by her employer? If she works for a hospital, I am sure she was offered health insurance. Did the husband have coverage through his employer? If so, was he offered COBRA? As part of the stimulous package COBRA is being subsidized by 60%.

{"commentId":8385528,"threadId":"633316","contentId":"3051863","authorDomain":"gyadegar"}
    Reply#1 - Thu Jul 23, 2009 3:16 PM EDT
    {"commentId":8391613,"authorDomain":"barbararaab"}

    Jinny,

    Monica was offered coverage but says she cannot afford her part of the cost, some $300 per month. Before being laid off, her husband had to drop coverage at his former employer for the same reason; therefore, COBRA was not available to him after the layoff. In any event, based on what this family told me, COBRA coverage would be too expensive for them. There are many other Americans in this paradoxical and risky situation: they have access to coverage, but can't afford it.

    --Barbara Raab

    {"commentId":8391613,"threadId":"633316","contentId":"3051863","authorDomain":"barbararaab"}
      #1.1 - Thu Jul 23, 2009 7:10 PM EDT
      Reply
      {"commentId":8386326,"authorDomain":"hbrowndog"}

      Jinny apparently you didn't listen to what the mother had to say or you would know that she couldn't afford $300 out of each paycheck with her husband being out of a job for insurance.  Only certain people who were unemployed got the 60% subsidy.

      {"commentId":8386326,"threadId":"633316","contentId":"3051863","authorDomain":"hbrowndog"}
        Reply#2 - Thu Jul 23, 2009 3:42 PM EDT
        Reply
        {"commentId":8386386,"authorDomain":"kenecarroll"}

        This family is a plant by the Obama administration and msnbc.  I want to be able to drop health care if I should so want to and not be taxed and fined by this government for doing so.  Its my life and not the US Governments life.  They say that should I get involved in a traffic accident and am sent to the hospital then tax payers have to pay my share....not true...thats why we are forced to get car insurance to cover any mishap like that.....all this is about is total government control and socialism/marxism.  This is not for me and not for the people of the United States of America where I was borneda nd where I grew up.

        {"commentId":8386386,"threadId":"633316","contentId":"3051863","authorDomain":"kenecarroll"}
        • 1 vote
        Reply#3 - Thu Jul 23, 2009 3:43 PM EDT
        {"commentId":8389540,"authorDomain":"becca333"}

        What crap..Do you really believe what you are writing? If it is so bad here, you should try some of the other countries around. I have been to a lot of them and let me tell you, we have it made. But, don't let me hold you back or denie you your say, this is the USA and you have a right to state anything you like..as the rest of us have the right to make up our own minds and decide what we want.

        {"commentId":8389540,"threadId":"633316","contentId":"3051863","authorDomain":"becca333"}
          #3.1 - Thu Jul 23, 2009 5:32 PM EDT
          {"commentId":8400928,"authorDomain":"maverickUSN"}

          Hey, have you ever really looked over your auto insurance dec page and really tried to figure out what it means...there are limits to how much it covers before you are on your own and with hospitals those limits can get used up FASSSTTT...and what percent of hospital patients are from car crashes anyway? A few months back one of the kids brought home a cold that was going around at school...sore throat, mild fever, runny nose, and general ickyness. Everyone in the house was sick for a few days and then back to normal except for wifey...she gets an added loss of thyroid function and short stint in the hospital. After all our monthly insurance payments, we still are buried in thousands of dollars in hospital bills. Back in the late 90's my mother worked in hematology at Franciscan hospital (now defunkt) in Dayton, Ohio and my parents used her insurance...My father had to go to the emergency room and that happened just before the insurance company unexpectedly filed for bankruptcy. The owner purchased a multimillion dollar home shortly after the announcement that the insured were on there own for their medical bills. Frankly, health insurance is a business and a cold one...they want your monthly premiums to do nothing, and should you need services they will try to pay the minimum. No conspiracy, just some people want to remain blissfully ignorant of what can happen.

          {"commentId":8400928,"threadId":"633316","contentId":"3051863","authorDomain":"maverickUSN"}
            #3.2 - Fri Jul 24, 2009 3:00 AM EDT
            Reply
            {"commentId":8386425,"authorDomain":"IUA48"}

            Is every one been blinded, or what? Do you really think that this health care plan is going to work?

            Lets get back to th real problem. It is NOT the rising health care costs! It is NOT the physicians out there demanding more money. It is THE INSURANCE COMPANIES, people! Think about it, Health care premiums have gone up, up, up, and the reimbursement has gone down. Therefore, whom do you suppose is making the money, and a LOT OF IT? The insurance companies, of course. One starts to wonder why our legislature is not blowing the whistle on them? Because our elected officials are getting rich, too. The insurance companies are greasing the wallets of every one in congress. Why do you think that AIG got bailed out. A lot of that money went right back into our congress' pockets.

            If I had my druthers, I'd rather pay my neurosurgeon, orthopedic surgeon, general surgeon, gynocologist, obstetrician, pediatrician more money to save my life than to pay our congressmen more money. Taken a step further, I'd rather pay the doctors more money than sports figures that cannot maintain without steroids. At least these guys/women finished college and are actually doing something about us, instead of getting out of college early, or not at all, and making multimillion dollar salaries. i digress...

            {"commentId":8386425,"threadId":"633316","contentId":"3051863","authorDomain":"IUA48"}
              Reply#4 - Thu Jul 23, 2009 3:44 PM EDT
              {"commentId":8386857,"authorDomain":"meddington"}

              >This family is a plant by the Obama administration and msnbc.>

              Yeah, there's about 47 million "plants" out there. 

              {"commentId":8386857,"threadId":"633316","contentId":"3051863","authorDomain":"meddington"}
                Reply#5 - Thu Jul 23, 2009 3:59 PM EDT
                {"commentId":8388209,"authorDomain":"slowclimber"}

                Actually, mge37, that is a lie. The "47 million people" number is one thrown about by the administration and those wanting socialized medicine. 47 million is the total of ALL people who AT ANY TIME were without health insurance during the entire year. In other words, if somebody left a job, was between jobs for 6 weeks, lost insurance for 2 weeks and then got it with the new job, they are considered one of the "47 million".

                There are actually about 18 million. Of those 18 million, approximately 1/3 are people who could have insurance but decline it.

                {"commentId":8388209,"threadId":"633316","contentId":"3051863","authorDomain":"slowclimber"}
                • 1 vote
                #5.1 - Thu Jul 23, 2009 4:42 PM EDT
                Reply
                {"commentId":8388464,"authorDomain":"demoscout"}

                All of this nonsense would go away if any of our politicians had any courage to do the right thing and set up a single payer system like Medicare. All of this silliness about socialism and rationing and government interference is nothing but propaganda put out by conservatives and by the industry giants in the profit making health care system. Single payer, with certain variations, works in every other industrialized nation and the people are happier by far with their health care than we are, and they don't go bankrupt over medical debt and they don't worry that somehow they will lose their coverage, and they don't mind paying their taxes because they know full well that they are getting somethinf for their money. We will be playing around with our broken system and patching it around the edges for another generation because we have a cynical political party that doesn't believe the government should be about helping people and they are doing all they can to undermine any effort in that direction no matter what the majority of the people want.

                {"commentId":8388464,"threadId":"633316","contentId":"3051863","authorDomain":"demoscout"}
                  Reply#6 - Thu Jul 23, 2009 4:51 PM EDT
                  {"commentId":8389595,"authorDomain":"everettspringer"}

                  I think your right demo scout, Can you imagine our police departments or fire departments being a for profit organizations?? Then why the heck is health care? Just got back from a long vacation and I ran into several Canadian families in the northwest who love their health care system. Two of the parents had cancer and were treated imediately and both are doing fine. Didn't lose their home paying for their treatments either like here in the good old USA.. They told me its a great big lie that the majority of Canadians don't like their health care system and it made them mad to see how the right wing in America is portraying them.

                  America needs health care for her people and I hope Obama gets it done....

                  {"commentId":8389595,"threadId":"633316","contentId":"3051863","authorDomain":"everettspringer"}
                    Reply#7 - Thu Jul 23, 2009 5:35 PM EDT
                    {"commentId":8390300,"authorDomain":"the-team"}

                    Demo scout.....Medicare?  Medicare is going to bankrupt this country on it's own because of fraud and underestimating the cost.  Whatever the government tells you something is going to cost...triple it.  This healthcare proposal that they are trying to "ram" through without reading will cost enormous amounts of money and send us into a tailspin that would take years to overcome.  

                    So you are going to lay the cost of this on the backs of some rich millionaires?  These people are wealthy and smart for a reason. They will find a way to stay wealthy and not pay additional taxes. I talked to one doctor who earns $500K annually....he said that he would stop working at the point that he would hit the tax increase point or he would cut his hours in half and keep his earnings down. He wasn't going to work just to pay more taxes.  Another married couple who are both successful doctors said they are done the day the bill passes.  So now where is Obama going to get the money....YOU AND ME!!  Fewer doctors, fewer jobs because business will be hurt and the little guy gets it in the shorts again. This time it will be major hits....like nothing you have ever seen before!

                    I keep hearing that healthcare is out of control. In 1960 our percent (%) of earnings for food, housing, transportation and healthcare was 53% of every dollar earned. Today, for all four it is 55% ....a 2% difference - is that spiraling out of control?  the New York times said this week that this is the WORST legislation that has EVER been written!

                    Overseas?  They come here for service to the BEST healthcare in the world because theirs stinks so bad!  If you have eldely parents...they will not get the heathcare in Obama's plan that they do now. Many will die because they are not deemed to be as clinically viable as the younger, more healthier Americans.

                    You want chaos and depression....pass a bill like this!

                    {"commentId":8390300,"threadId":"633316","contentId":"3051863","authorDomain":"the-team"}
                      Reply#8 - Thu Jul 23, 2009 6:06 PM EDT
                      {"commentId":8401057,"authorDomain":"maverickUSN"}

                      Yeah, I've known of people coming here from Mexico for example...of course a comparison of the US to Mexico isn't exactly the same as comparing two developed countries is it? Also, I couldn't find in the Times the quote about worst legislation ever...maybe I overlooked it, or perhaps your copy is "more better" than mine.

                      {"commentId":8401057,"threadId":"633316","contentId":"3051863","authorDomain":"maverickUSN"}
                        #8.1 - Fri Jul 24, 2009 3:16 AM EDT
                        Reply
                        {"commentId":8390337,"authorDomain":"jhillis"}

                        Health Care is like the oil business we cannot live with out it so they (insurance Czars) can name their price just like the oil Shieks and if we can afford it we pay it or like so many we go with out. I am just a regular man trying to make sense out of this didnt we just give BILLIONS of dollars to wallstreet with out much oppostion from washington? I just want to be able to afford good quality health care for my family, maybe we need average everyday people to take charge of this and not the guys on capital hill that have a job and health care and make over $100,000 year.

                        {"commentId":8390337,"threadId":"633316","contentId":"3051863","authorDomain":"jhillis"}
                          Reply#9 - Thu Jul 23, 2009 6:07 PM EDT
                          {"commentId":8401139,"authorDomain":"maverickUSN"}

                          Amen, Jim...people that have not had to seriously use there insurance don't know the furstrations of the limitations it has. Pay monthly premiums and wifey goes to the hospital for a few days and I get a third of the ungodly bill...If I had put all my premiums into savings instead of insurance I would have been better off. And the whole family thing kills you...paying so much a month, but I haven't worked anywhere with dental and vision coverage. A lot of places will pay for an annual dental cleaning, but with a house full of mouthes its like getting a free estimate at a body repair shop after wrecking your car and knowing beforehand that its a waste because you can't afford to have any work done.

                          {"commentId":8401139,"threadId":"633316","contentId":"3051863","authorDomain":"maverickUSN"}
                            #9.1 - Fri Jul 24, 2009 3:28 AM EDT
                            Reply
                            {"commentId":8390515,"authorDomain":"jhillis"}

                            I Just want to hear the truth! Tell me how it is I do not want hear what a republican or demacrat has to say I want to hear what an American has to say

                            {"commentId":8390515,"threadId":"633316","contentId":"3051863","authorDomain":"jhillis"}
                              Reply#10 - Thu Jul 23, 2009 6:15 PM EDT
                              {"commentId":8499091,"authorDomain":"americanized-canadian"}

                              Why don't you ask a Canadian that has lived in Canada and in the united States!!!

                              {"commentId":8499091,"threadId":"633316","contentId":"3051863","authorDomain":"americanized-canadian"}
                                #10.1 - Tue Jul 28, 2009 11:54 PM EDT
                                Reply
                                {"commentId":8390621,"authorDomain":"monger-1"}

                                My health insurance is $4,000 per year, not counting the 3 grand my employer puts in. I had over $10,000 in out-of-pocket expenses which Congress made non-deductible on my income tax.

                                I have heard nothing in the discussions that will impact me, other than the prospects of increased taxes. No wonder the "reform" is a hard sell. They sure aren't selling it to me!

                                {"commentId":8390621,"threadId":"633316","contentId":"3051863","authorDomain":"monger-1"}
                                • 1 vote
                                Reply#11 - Thu Jul 23, 2009 6:20 PM EDT
                                {"commentId":8390892,"authorDomain":"pjsplayroom"}

                                Well we just added a little girl to the family 4months ago! and let me tell you about my bill i recieved from the hospital (pennsylvania hosp) when everything was said and done the total bill was close to 33 thousand dollars- to have a baby! gee the c-section cost 3700 and the spinal was about 1500-and the hospital stay was a whoppin 27000 for what for my wife to sit in a room she  shared with another patient o and baby care was another 6700 yeah and when i asked the hospital to itemize my bill i got the cold shoulder!!! And the to top it off my insurance only covered 85% of the bill- and i pay through my employer 700 a month!!! the system is broken!!!!! people are cryin they dont want socialism -but the banking system is socialized -corporate companies are socialized with tax payer money!!!!! the best health care in the world are all socialized systems to protect the people it serves-the US isnt even in the top 20 countries in the world-why because of greedy banks-drug companies -hospitals-and insurance companies period-lets get this done! but this has to be done right -the government needs to regulate what were paying we can have a free market-but it has to be fare for everyone !!!!!! 

                                {"commentId":8390892,"threadId":"633316","contentId":"3051863","authorDomain":"pjsplayroom"}
                                  Reply#12 - Thu Jul 23, 2009 6:35 PM EDT
                                  {"commentId":8394881,"authorDomain":"dmccullars"}

                                  The debate is over. It has been over for years. Now, it is simply interest groups throwing money at Congress to try and obscure the fact. The fact is the cost is not sustainable. Eight to ten percent inflation per year is now at the breaking point. Breaking the economy to deflate any hope of quick recovery. I can't for the life of me figure out what these damn conservitives want, other than campaign contributions. This is a moral issue. How this issue lands speaks to the moral compass of the USA. Is the almighty dollar our almighty God? For you Christians, what would Jesus do? This country is a paradox. The old business is over. We are in this together, or we go down together. It boils down to simple math. And an 18 billion dollar profit 2nd quarter for United Health is obscene. They are not allowing for coverage, they exclude the sick, and they pay their shareholders for immorality involved. This is simple folks. If this is killed, you money worship folks have your win. If the democrats have the balls to pass this thing, we make it work with modification and dedication. Simply, my grandchildren will not have access because of the greed of this generation of baby boomers, who avoided the sacrafice of the WWII and has lived the greatest prospertity in our history. Come on folks, look outside the money. And by the way, properly managed health care will be a wash, at least. And, it should require a buy in by all Americans. Lets get this done and fix the problems as they go along. Thank you for reading.

                                  {"commentId":8394881,"threadId":"633316","contentId":"3051863","authorDomain":"dmccullars"}
                                    Reply#13 - Thu Jul 23, 2009 9:35 PM EDT
                                    {"commentId":8397714,"authorDomain":"NurseMonica"}

                                    Unfortunately, only a very small portion of what was discussed during the interview was featured in this article. I don't support this bill. The pre-existing condition thing was the only part that interested me.

                                    My feeling is that nurses aren't paid nearly what we're worth. I would gladly take the insurance that is offered to me if I were paid enough...If my husband hadn't been laid off and both of us were working (which was our plan all along) we could pay for that insurance without any difficulty. You must remember though, only one of us is working now. I can't even afford to make my student loan payments on time. If I made more money, I could afford to be insured. But, as long as medicare and medicaid refuse to cover needed services, all the while paying for unnecessary and redundant items in health care, I will continue to make far less money than I am worth. This government-provided-healthcare that we already have is terrible enough. I don't want to allow them an even tighter leash than they already have...

                                    And just what does a nurse's job entail? The carrying out of physician's orders. If they pass this bill without first looking at it from all angles, they could set off a catastrophic shortage of physicians throuout the US. The money for this "healthcare fix" won't just come from higher taxes, it will come from the wages and salaries that doctors and nurses should be making. What do you think they mean by "lowering the cost of healthcare"? How much money do you think YOU should be paid for your services after 8-12 years of college? How about the fact that you have to work toward that goal even in high school -they don't let just ANYBODY in to med school. How much do you think you would need to make to afford the payments on $1-2 million in student loans? If this bill passes, and the government comes into control of how much doctors can be paid, people will stop going to med school. Nobody going to med school = no doctors, eventually + no doctors to write orders for the nurse to carry out = no nurses...(which = no more job for me). This attempt at repairing a bad system may just backfire and have the opposite of the intended reaction.

                                    As far as being a plant for Osama and MSNBC, that's just wrong on so many levels. I voted for the one with many, many years of experience in public office and sacrificed immensely for the freedom and safety of all Americans. I did not, however, vote for the one who was elected by voters who were named Mickey Mouse & Donald Duck, or the voters who were 5 and 6 year-olds, or the voters who had been dead since 1997. I voted for the best man for the job, and he didn't win. Apparently the the voices of Disney characters, first graders, and dead people were enough to sway the vote. I think my conservative view was easy to see if our whole interview was featured. But hey, what can you expect from the type of people who would like nothing more than to squash conservative talk radio because it doesn't promote thier agenda...

                                    Please don't judge...I think I got "Michael Moored" here

                                    Monica Cummings

                                    {"commentId":8397714,"threadId":"633316","contentId":"3051863","authorDomain":"NurseMonica"}
                                    • 1 vote
                                    Reply#14 - Thu Jul 23, 2009 11:32 PM EDT
                                    {"commentId":8399969,"authorDomain":"denkre"}

                                    We are on Social Security, therefore our insurance is the one Obama wants to save money on, our cost for 2009 shall be Part B Medicare $2313.60, Part D $852.00 and AARP to cover the 20 % tha Medicare does not pay is $4884.00, for a Total of $8049.62 or $670.80 a month.. I am 73 years old, Obama wants to do what  to us??? 

                                    {"commentId":8399969,"threadId":"633316","contentId":"3051863","authorDomain":"denkre"}
                                      Reply#15 - Fri Jul 24, 2009 1:37 AM EDT
                                      {"commentId":8411022,"authorDomain":"barbararaab"}

                                      To Monica and the readers of this blog:

                                      Just to be clear, I did not know who either Monica or Alan voted for. I did ask, because I was interested, but they exercised their rights as Americans not to say, and I respect that. But there was no way either one of them was a "plant" for msnbc.com or for the Obama administration. And now that I, and all of us, know where Monica is coming from politically, I think you can see that.

                                      Also, just to be clear, while there were some parts of our interview that did not make this post (because we can't include absolutely everything; not enough space) there was no point in our interview in which Monica expressed what she has written here about who she voted for, or even whether she supports this bill (which is still being formulated in Washington, by the way); that's why you don't see it in the video clips, not because we chose not to use it.

                                      I am sorry, Monica, that you feel you got "Michael Moore'd."

                                      --Barbara

                                      {"commentId":8411022,"threadId":"633316","contentId":"3051863","authorDomain":"barbararaab"}
                                      • 1 vote
                                      Reply#16 - Fri Jul 24, 2009 1:24 PM EDT
                                      {"commentId":8498073,"authorDomain":"Rixar13"}

                                      I think a VA - Veterans Administration Health Care would be best as it has the highest patient satisfaction with reducing costs. Just thought I would suggest a great system that works. Veteran from Florida.

                                      {"commentId":8498073,"threadId":"633316","contentId":"3051863","authorDomain":"Rixar13"}
                                        Reply#17 - Tue Jul 28, 2009 10:25 PM EDT
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