News that should surprise no one: North Carolina has the fastest growing population of people without health insurance. Since North Carolina is also a leader in lost jobs this isn't exactly shocking news. The report referenced in the story contains an estimate of 1.75 million people in the state who don't have health insurance. The US Census shows North Carolina's population in 2007 as 9,061,032 so that means that the percentage of people in North Carolina without health insurance is roughly 19%.
- Our insurer basically disputed every claim.
- Our riders that were supposed to provide a certain number of office visits at no additional cost basically did nothing. We still ended up paying out of pocket.
- Our coverage was almost impossible to understand which means we started avoiding the doctor for fear that it would cost us $120 to find out one of us had a simple soar throat.
- Luckily we didn't experience any major illnesses, but if we'd kept that coverage I think we might have ended up with undiagnosed illnesses because we tried to avoid the doctor.
Basically we started to view our insurance as "armageddon coverage", only to be used in case of a catastrophe and I'm not entirely confident it would have covered us even in those circumstances. My point is that if even 10% of the 81% of insured North Carolinians has similar coverage then we're probably looking at close to 700,000 people that could be living with easily treatable illnesses that could grow into major health crises because they're afraid to see the doctor and who might not then be covered adequately when they end up in the hospital. Add that to the 1.75 million people without any insurance and you have a really frightening number of people at risk for financial devastation if they get sick.