All the fear surrounding death panels really pisses me off. I saw someone with a picture of a grave site on his facebook that had the caption; Obamacare, welcome to healthcare rationing. Yeah, because it's so much better when a suit in an office does it.... I have a permanent disfigurement because of an HMO. I had one through my mom's work when I was like 14. I broke my arm in gym class.
Now, to be fair, the attitude of my mother didn't help. It wasn't swollen, and I could move it a little, so the gym teacher didn't think it was broken. That, and I wasn't crying, so it couldn't have hurt that bad *sighs* So, of course my mother didn't think a sprain was worth ducking out of work early. I had to ride the bus home. When my mom got home an hour after I did I pointed out that a person's forearm isn't supposed to be curved...
To get the HMO to pay for a trip to the ER we had to get permission from my listed family physician to go. The really fun part was that the doctor I was going to moved, and the paperwork hadn't been processed by the insurance company yet. We had to track him down. I sat in my living room with broken arm waiting for the doctor's office to find the old one, get a hold of him, and for him to call us back.
Because treatment was delayed for so long I have a bone spur in my forearm. It won't rotate more than 20 degrees. I can't type with it. I've learned to type one-handed, but I would never be able to get a job that involved typing, because I doubt most employers would look kindly on how I type, even though I can do it faster than the average person. I wasn't allowed to do it one handed in typing class in school. I had to wear a brace and elevate the keyboard with several books so my arm didn't have to rotate.
And let's not forget the day I had a 104F fever. Yeah, my mom had to call for permission for that too. The doctor's office told her to try Advil, and my temp did go down, and didn't get that high again. I'm lucky. Had it been more life threatening than that I would have died because we couldn't afford to not have an ER visit covered, and the damn HMO didn't want to pay out any more than they absolutely had to.