{"id":2188,"date":"2019-08-18T09:18:45","date_gmt":"2019-08-18T13:18:45","guid":{"rendered":"https:\/\/dahlman.online\/?p=2188"},"modified":"2019-08-18T09:18:52","modified_gmt":"2019-08-18T13:18:52","slug":"affordable-dog-act","status":"publish","type":"post","link":"https:\/\/dahlman.online\/index.php\/2019\/08\/18\/affordable-dog-act\/","title":{"rendered":"Affordable Dog Act"},"content":{"rendered":"\n<figure class=\"wp-block-image is-resized\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" data-attachment-id=\"2190\" data-permalink=\"https:\/\/dahlman.online\/index.php\/2019\/08\/18\/affordable-dog-act\/buddyinhat\/\" data-orig-file=\"https:\/\/i0.wp.com\/dahlman.online\/wp-content\/uploads\/2019\/08\/BuddyinHat.jpg?fit=320%2C240&amp;ssl=1\" data-orig-size=\"320,240\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"BuddyinHat\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/dahlman.online\/wp-content\/uploads\/2019\/08\/BuddyinHat.jpg?fit=320%2C240&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/dahlman.online\/wp-content\/uploads\/2019\/08\/BuddyinHat.jpg?resize=235%2C176&#038;ssl=1\" alt=\"\" class=\"wp-image-2190\" width=\"235\" height=\"176\" srcset=\"https:\/\/i0.wp.com\/dahlman.online\/wp-content\/uploads\/2019\/08\/BuddyinHat.jpg?w=320&amp;ssl=1 320w, https:\/\/i0.wp.com\/dahlman.online\/wp-content\/uploads\/2019\/08\/BuddyinHat.jpg?resize=300%2C225&amp;ssl=1 300w\" sizes=\"auto, (max-width: 235px) 85vw, 235px\" \/><figcaption>Buddy on the Treasure Coast in Florida<\/figcaption><\/figure>\n\n\n\n<p>We have two of the best dogs ever:&nbsp;&nbsp;Buddy and Atticus.&nbsp;&nbsp;They are different ages and breeds, and both come from unknown backgrounds. They are Rescues, with their own personalities, quirks, and endearments.&nbsp;&nbsp;We love them both, and they get along great with each other.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Sick Puppies<\/h3>\n\n\n\n<p>Both have health issues.&nbsp;Buddy, our seven-year-old Border collie mix, is a cancer survivor.&nbsp;&nbsp;When he was diagnosed in 2016, he was given maybe a year to live.&nbsp;&nbsp;After surgery and a year of chemotherapy, its more than three years later and he is currently cancer free.&nbsp;&nbsp;His every three-month blood test is normal.&nbsp;&nbsp;He is the subject of  research papers and medical seminars by his Veterinary Oncologist, with pictures of him chasing a ball in the back yard and sunning on Atlantic beaches long after he was supposed to be gone.&nbsp;  &nbsp;He is a medical success story, and we hope he&#8217;s saving other dogs.<\/p>\n\n\n\n<p>Atticus is our two-year-old Yellow Lab.&nbsp;&nbsp;We found him on the \u201ckill list\u201d of the Franklin County (Columbus, Ohio) shelter.&nbsp;His ears were completed infected, so much so that he really couldn\u2019t hear.&nbsp;&nbsp;The Shelter wouldn\u2019t begin treatments without surgery, and couldn\u2019t afford to take care of him.&nbsp;&nbsp;We saw him on Facebook, and we couldn\u2019t let him die.&nbsp;&nbsp;<\/p>\n\n\n\n<p>It took over six months to clear up his ears.&nbsp;&nbsp;We found he was allergic to almost everything he wanted to eat:&nbsp;&nbsp;beef, dairy, grains.&nbsp;&nbsp;Atticus is now on a strict diet of a fish and sweet potato mix.&nbsp;&nbsp;He can have very little else, except for carrots.&nbsp;Both Atticus and Buddy love carrots, and celery when they can get it.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">The Cost of Health<\/h3>\n\n\n\n<p>Special foods, medication for both, and the usual purchases of flea and tick pills:&nbsp;&nbsp;walking into the Vet\u2019s office is never a cheap deal.&nbsp;&nbsp;Last month, it was cost $319.&nbsp;&nbsp;As I was paying at the counter, I jokingly said, \u201c\u2026can I get these guys on my health insurance plan?\u201d&nbsp;&nbsp;<\/p>\n\n\n\n<p>Instead of the expected giggles, I got information on Dog Insurance.&nbsp;&nbsp;Nationwide Insurance, located here in Columbus, is a big \u201cmover\u201d in the pet insurance business.<\/p>\n\n\n\n<p>There\u2019s nothing cheap about Dog Health Insurance.&nbsp;&nbsp;An average cost might by $40 a month per dog; but a dog as old as Buddy is closer to $80.&nbsp;But, when you add up our actual costs a year, we are way beyond that, at least $3000 last year, not including special foods.&nbsp;&nbsp;So maybe we should sign up.<\/p>\n\n\n\n<p>Now this is a political site, about politics and America and what\u2019s going on today.&nbsp;&nbsp;So you know there has to be a political side to this essay.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pre-Existing Conditions<\/h3>\n\n\n\n<p>That operative term is:&nbsp;PRE-EXISTING CONDITIONS.&nbsp;&nbsp;If you don&#8217;t get pet insurance from puppy-hood, which ain\u2019t happening with Rescue dogs; then all of those problems we\u2019ve had with Buddy and Atticus aren\u2019t covered.<\/p>\n\n\n\n<p>Sure Buddy\u2019s covered for accidents and new problems.&nbsp;&nbsp;But if it relates back to his lymphoma or treatments, it\u2019s off the table.&nbsp;&nbsp;He\u2019s considered in \u201cremission,\u201d but never \u201ccured.\u201d&nbsp;&nbsp;And sure, if Atticus comes up with something new, then the insurance would help.&nbsp;&nbsp;But his main health issue, allergic reactions to most normal dog diets; doesn\u2019t count.<\/p>\n\n\n\n<p>So while we could go ahead and purchase dog insurance for them, the cost would be more of an addition to their current health costs than a savings. While it might avoid some future catastrophic  costs, we would likely end up paying more annually.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Life without the ACA<\/h3>\n\n\n\n<p>It&#8217;s a lot like the alternative to the current human insurance rules under the Affordable Care Act.&nbsp;Humans may be covered under their parent\u2019s coverage from birth, but once they leave &#8220;puppy-hood&#8221; and become adults (defined as 26 under the ACA, but it used to be 21) they are forced into the open market to find their own insurance, usually through employment.&nbsp;&nbsp;And if their employer\u2019s coverage doesn\u2019t include the pre-existing conditions they bring with them, as many didn\u2019t before the ACA, they are stuck.<\/p>\n\n\n\n<p>So if you are considering \u201c<a href=\"http:\/\/files.alfresco.mjh.group\/alfresco_images\/DVM360\/\/2018\/07\/11\/61604098-4a07-4025-b0bc-5a7259b62598\/veterinary-pet-insurance-comparison-chart-printable.pdf\">on the market<\/a>\u201d dog insurance, get it early, when your dog is a puppy.&nbsp;&nbsp;That way, all of their health issues will be covered, and, as long as you don\u2019t lapse coverage, it continues to be covered.&nbsp;&nbsp;And since, unlike human insurance, they can\u2019t \u201cage out\u201d of your coverage, you and your dogs will be protected.<\/p>\n\n\n\n<p>And what about those Rescues, those dogs that enter the health world with problems in the first place?&nbsp;Just like those humans unable to get coverage for pre-existing conditions, they are going to struggle to afford health care.&nbsp;&nbsp;Maybe they\u2019ll get lucky, like Buddy and Atticus, and find people who will pay the price to take care of them.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>Some humans  got lucky and found employers with insurance coverage of pre-existing conditions.&nbsp;But if the Affordable Care Act, or whatever replaces it doesn\u2019t force insurance companies to accept those conditions, then those humans will be out of luck, and out of money.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>We have two of the best dogs ever:&nbsp;&nbsp;Buddy and Atticus.&nbsp;&nbsp;They are different ages and breeds, and both come from unknown backgrounds. They are Rescues, with their own personalities, quirks, and endearments.&nbsp;&nbsp;We love them both, and they get along great with each other. Sick Puppies Both have health issues.&nbsp;Buddy, our seven-year-old Border collie mix, is a &hellip; <a href=\"https:\/\/dahlman.online\/index.php\/2019\/08\/18\/affordable-dog-act\/\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;Affordable Dog Act&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[],"class_list":["post-2188","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Affordable Dog Act : Our America - Essays on Politics and American Life<\/title>\n<meta name=\"description\" content=\"Buy dog health insurance. 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