Without Obamacare, this North Carolinian would be dead
When illness caused David Tedrow to quit his job, he needed healthcare but didn’t know how he could pay for it. Fortunately due to the Obamacare subsidies, he pays only $126 a month for a plan that would have cost over $500, something he couldn’t afford. His insurance paid for the entire cost of the liver transplant that saved his life.
Now the Supreme Court is threatening to strike down all subsidies to people who are using the Federal Healthcare Exchange. Since Governor McCrory refused to create our own marketplace, North Carolinians like David are forced to go to the Federal Exchange. From the Washington Post article about David's story,
The Obamacare subsidies saved my life. Now, I’m scared the Supreme Court is going to gut them.
In 2010, at 54, I was diagnosed with non-alcoholic cirrhosis (end-stage liver disease). It’s debilitating, and a transplant is the only cure.
At that time, I owned a jewelry store with my wife in Pawleys Island, S.C. On weekends we would meet friends, walk on the beach and join in community events. My wife and I would travel regularly to see our daughters and take annual vacations. We enjoyed a rich and full life.
The disease quickly robbed me off all that. One of my first symptoms was an accumulation of ammonia in the brain. I became highly forgetful — I forgot how to get out of a car and how to answer the phone. I couldn’t remember how to make change for customers. One day, I tried to go home from work and got lost.
As the disease worsened, I tried to make the best of it. My wife and I were lucky to have private insurance for high-risk patients. It cost $2,000 a month with a $5,500 deductible. That cost was high, but we didn’t have any other choice. My liver ailment and diabetes were pre-existing conditions that would have made it impossible to find a new plan.
I stopped working at the store in November 2012. My life was a roller-coaster ride of monthly blood transfusions, hospital admissions, severe memory loss and the loss of my ability to drive. I slept most of the time and depended on my wife for all of my care. We would drive 3.5 hours to Duke Medical Center several times a month for transfusions.
Treating my condition eventually took up so much time that we closed our store. In June 2013, we sold our home in Pawleys Island and moved to Durham, N.C.
In October 2013, I got a letter from my insurance company telling me that my existing high-risk insurance would be ending effective Dec. 31, 2013. I was told that if I wanted continued medical insurance, I would have to find another provider.
I was terrified. At this point, I was so ill that my wife had to be a full-time caregiver for me. We were living on my Social Security Disability check, a drastic change in income for both of us. We could not afford the hundreds of thousands of dollars a liver transplant would have cost. And without insurance, I would have been dropped from the transplant list. I would have died.
My old insurer suggested we sign up for the Affordable Care Act exchange. So I called. The process was messy and frustrating. The Web site crashed; it took days to sign up, and countless phone calls. But eventually, I managed to enroll.
On Jan. 1 this year, I started on the Obamacare insurance. I now pay just $126 a month for insurance; a federal government subsidy covers the rest. If we had to cover the full cost of our health care, we would have just $574 left each month for all of our other expenses, including food and medicines.
At the same time, my conditioned quickly worsened. I was in constant pain, had no energy due to blood loss, had no appetite, couldn’t hold any food down, developed stomach swelling and was hospitalized twice for peritonitis. I was unable to walk unassisted and suffered from extreme confusion.
By April, I was dying. Then, miraculously, on April 3, a liver became available. I was given a second chance. I had the liver transplant, and my insurance covered the entire cost of the procedure.