While covering the uninsured has been a main focus of healthcare reform, millions more fall into the category of `underinsured' -- those with coverage, but not enough.
BY FRED TASKER FTASKER@MIAMIHERALD.COM
Cathy Kerns has multiple sclerosis. The drugs she takes are lifesaving, she says, but they cost more than $5,000 a month -- and she must make a 20 percent co-payment. Her specialized physical therapy costs $600 per half-hour -- and she pays 20 percent of that.
``If I call and plead with the insurance company that I need more therapy so I can walk, they say, `Sorry, it isn't in the policy,' '' she says.
``I'm paying more than $30,000 a year out of pocket. I'm running through my savings.''
Kerns, 60, who is retired and lives in Orlando, represents hidden millions in America's healthcare crisis. She has insurance -- but she is underinsured.