• Ginny for GA 20

It’s important to protect insurance options for those with pre-existing conditions

A medical illness or injury that you have before you start a new health care plan may be considered a “pre-existing condition.” Conditions like diabetes, COPD, cancer, and sleep apnea may be examples of pre-existing health conditions. Pre-existing conditions tend to be chronic or long-term. Health insurers can no longer charge more or deny coverage to you or your child because of a pre-existing health condition like asthma, diabetes, or cancer …. Once you have insurance, insurance companies can’t refuse to cover treatment for your pre-existing condition. (Cigna)

Anyone who has ever been sick or knows someone with a chronic health condition knows how important health insurance can be. Life can be very difficult even without a health problem but meeting with doctors, keeping records, making sure you take your medicine on time are just a few of the things that make life even more difficult.

But if you are unsure that you will be able to get health insurance because you have a pre-existing health condition the stress becomes even higher.

My husband died from a rare lung disease.

Although we had excellent health insurance, the question was always at the back of my mind, “What will we do if we meet the maximum coverage?” Would anyone else cover him? We already knew that long term healthcare was not available for him. What other healthcare realities were ahead for us?

It was of great comfort to learn that no matter what, our insurance could not be cancelled. I know it is of great comfort to those with pre-existing conditions to have the assurance that they can move, change jobs or make life decisions without basing decisions on whether they will lose their health insurance or be unable to get new insurance.

One of the main reasons I decided to run for Georgia House of Representatives was to fight for those who are uninsured or under insured. Although we live in a beautiful part of the state and a beautiful area of Cherokee County, people in our district face the same problems that people all over the country face when it comes to insurance. It costs too much and often does not cover what it needs to cover.

People should not feel that they have to decide between eating or taking their medicine. They should not have to worry that they will lose their health insurance and not be able to get another policy that they can afford. People with pre-existing conditions should not be charged so much for their insurance that it becomes unaffordable.

I’ve learned you can never predict with 100 percent certainty what is going to happen with your health. Illnesses appear out of nowhere and we must all be prepared for the unexpected. When I am elected, I will work with Democrats and Republicans alike to make sure that when a resident of Georgia wants to purchase health insurance it will be available at an affordable price. Also, pre-existing conditions will not stand in the way of getting the appropriate insurance policy.

People often ask me if I think health care is a right. I don’t know if it is a right, but I do believe that making it accessible to all is the right thing to do and that is what I will fight for everyday as your representative.

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