Women in business discuss health care

Women in business discuss health care


By Meg Haskell
BDN Staff

BANGOR, Maine — Women in business in some ways are harder hit than their male counterparts by the nation’s broken health care system, paying more for their own health insurance coverage as they struggle to compete in a tough business climate.

For social worker Melinda Merrill-Maguire, it has meant continuing to work full time for a local social services agency and only part time in the private practice she owns with her domestic partner, Charissa. Her full-time job provides the couple and their 3-year-old son with affordable, comprehensive health care benefits — a necessity that would have been out of reach if they had to purchase coverage on their own.

Those valuable “golden handcuffs” keep her tied to her agency job, she said Friday, and limit her ability to develop her own business. Buying a family insurance policy comparable to the coverage she has now would cost more than $2,000 a month, she said.

Merrill-Maguire was one of a handful of area businesswomen attending a small gathering Friday in support of contentious national health care reform legislation pending in Congress. The event was sponsored by Organizing for America Maine, an offshoot of the Democratic National Committee, and Change That Works, an advocacy group affiliated with the Service Employees International Union.

Shelby Wright of Organizing for America Maine said at the meeting that women at age 25 pay about 45 percent more for comprehensive health coverage than their male counterparts. By age 40, the difference is higher, almost 50 percent, she said, so the decision to purchase health care coverage is even more difficult for women than it is for men.

Health care reform legislation aims to expand affordable coverage to millions of Americans now uninsured and underinsured. Though a bill recently was endorsed by the U.S. House of Representatives and a similar measure is pending before the Senate, pro-reform activists and advocates are not letting up the pressure on lawmakers.

“We are closer than we’ve ever been to getting [health reform],” Hampden resident Erin Herbig of Change That Works said at Friday’s event. “It is essential that Maine people let their elected representatives know how they feel.”

Others, however, oppose the effort. Laura Cushing, of Bangor, whose Blue Cat 5 Productions business offers large-scale event planning and management, says the health care reform bill is too complex.

“I think we’d be more successful if we broke it down piece by piece,” Cushing said.

Cushing, who was not part of Friday’s gathering, described herself as a political conservative. She said the proposed reform tries to satisfy the interests of too many groups — such as insurance companies and hospitals — while failing to address important issues such as cost control, physician reimbursement and malpractice reform.

The pro-reform group acknowledges that the legislation pending in Congress is imperfect. But they argue that keeping things the way they are is unacceptable.

Suzanne Kelly, co-owner of the House Revivers contracting firm in Bangor, said she and her husband no longer are able to offer insurance to their employees. Their own coverage is provided through high-deductible plans for which they each pay $500 a month.

“You may as well not even have insurance,” she said.

Kelly said that although the bills pending in Congress are not perfect, they are an important step in the right direction.

“We can’t have all this work go for nothing,” Kelly said.

Cushing of Blue Cat 5 Productions feels most lawmakers are out of touch with the realities of the health care crisis. With no employees other than herself, she pays $500 a month for coverage that comes with a $2,500 deductible.

“Maybe the people in Washington should have to live with the health care we have for a year, and then go back and try again to change the system,” she said.

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9 comments on this item

"The event was sponsored by Organizing for America Maine, an offshoot of the Democratic National Committee,

and Change That Works, an advocacy group affiliated with the Service Employees International Union."

- That tells me everything I need to know about this 'meeting'.

These women... they're totally fine with straddling their children and grandchildren WITH UNSUSTAINABLE DEBT.

++++++++++

The mainstream media is constantly quoting the CBO, but they won't tell you this -

The Congressional Budget Office , QUOTE :

"Fiscal policy is on an UNsustainable path to an extent that cannot be solved by minor tinkering.

The country faces a fundamental disconnect between the services the people expect the government to provide, particularly

in the form of benefits for older Americans, and the tax revenues that people are willing to send to the government to finance those services.

That fundamental disconnect will have to be addressed in some way IF the budget is to be placed on a sustainable course."

This was an excerpt from the Tuesday, November 10 blog of the Director of the Congressional Budget Office (CBO), Douglas Elmendorf.

The federal deficit sits at $1.4 trillion dollars as President Obama has spent MORE on new programs in his FIRST 9 MONTHS in office

then President Clinton spent in 8 YEARS..."

The programs this administration is pushing are MORE about 'party sustainability' and LESS about fiscal sustainability.

According to the CBO and other non-partisan groups, our nation's national debt is expected to balloon to $18-23

Trillion dollars in the next 10 years. As a result, a $19 Trillion national debt in 2019 would be the equivalent

of $63,333 of debt for every man, woman and child in the United States.

In other words, we are straddling our children WITH UNSUSTAINABLE DEBT.

This is the WRONG direction to be heading in.

Women made their bed with Obama in the last election.. now must live with the unpleasent results.

Let's abolish all insurance company regulation, and consumer choice will allow the market to work its magic, right? To allow insurance companies to insure who they like, how adequately and for how much money, leaves out the uninsured and uninsurable who we are ALREADY PAYING DEARLY FOR in uncompensated ER care. That trajectory is steepening, and so is that crushing burden, while insurance company CEOs zoom about in private jets and lavish shareholders with handsome profits. Uninsured citizens cost -- it makes no sense to try to save by leaving people out, and it's terribly unfair to simply cover the unprofitable with taxpayer dollars while the private companies take what they want. I would support either a public, or regulated private solution to this, but a public policy solution is in order here. The status quo assures bankruptcy for generations to come.

...and, by the way. I am neither a Republican nor a Democrat. It is no more sufficient to refute an idea for it's perceived liberal source than a conservative one -- tell me where these women are factually incorrect, and back it up. My views are too well-formed, too deep and too often challenged to be swayed by partisan rhetoric. They remain, however, educable -- I go where the facts, researched and credible lead me.

muguet: More should actually research and find out the facts rather than these conspiracy theories that some of the posters are always bringing up on various threads. It is ludicrous. Reason, calm deliberation, and education are the preferable approaches!

The women quoted in this article are not primarily conservative or liberal; rather, they are working women concerned about affordable decent healthcare access for themselves and their families. Also, some of those quoted in this article who are working diligently to help pass critical healthcare reform should be applauded!!

Well put, chersully2000!

I'd like to know how the woman that runs and operates the bar and concession stand at family fun lanes in bgr. can claim low income by paying herself min.wage like she works for someone else then somehow get herself on maine care health insurance and live in low income housing in bangor housing s cape hart with a friend that works for bgr. housing too boot ! It seems that some women can fool the system at taxpayers expense if they know how to play the game..it also seems that owning a buisness inc. in maine and being a woman leaves some loopholes for state aid and assistance.my point here is lets see a man that runs his own buisness get anywhere near this kind of assistance from our goverment and the state of maine...this is the kind of fraud thats the problem and where all paying for it.

Having worked in Economic Development, gizmoandmarley, I can speak to the fact that, while there are some benefits afforded women business owners, leveraging public money is gender-neutral...

Health Care costs killed my burgeoning small business. I refused to pass the risk on to my family that was associated with the paltry insurance I could afford on the income my business brought in. Maybe I was too risk-averse to be in business; but where I come from they call that responsibility.

If we did have national single-payer, I really doubt my taxes would've gone up the $5600/year (for terrible coverage, mind you) that I was paying for insurance.

Get small businesses out of the health insurance industry and watch your local economy soar!

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