I went to the doctor last week to get a CT scan of my head and
sinuses—something I've needed to do for months but have put off
because I didn't have health insurance. Now, thanks to the much
maligned Affordable Care Act (ObamaCare) I have insurance that I can
almost afford even though I am officially a cancer survivor with high
blood pressure and multiple kidney stones.
One of the more amenable provisions of ObamaCare is the Pre-existing
Condition Insurance Program. It enables people like me, people who
really need insurance, to get it even though the insurance companies
and their enablers would rather that we just die already
because—well, they don't have to pay for that. I've been turned
down for medical insurance multiple times because of my ongoing
health issues—issues which have only gotten worse because they
weren't getting any attention. As you can probably imagine, this has
been worrisome.
The Tea Party Republican solution to runaway health care costs. |
When I lost my job I had COBRA. This allowed me to continue on my
former employer's group policy, although at an inflated rate.
Unfortunately, COBRA is only available for 18 months. At the end of
18 months I had to apply for some kind of private continuation
policy. The best option, in fact the only option because of my rather
serious preexisting conditions, was a guaranteed issue policy
available under the provisions of the Health Insurance Portability
and Availability Act (HIPAA).
I got quotes for several of these, and, because of the preexisting
conditions, they were going to cost me a minimum of $24,000 per year.
This would have been a hard nut to crack on unemployment that totaled
only $14,400. Hardly anything would have been left over to pay the
rent, electricity, groceries, and put fuel in the yacht. Clearly
something was going to have to give, and that something was health
insurance.
Naturally this put me at considerable risk of a premature if not
untimely death. Losing my job wasn't exactly a death sentence. It was
something more like mandatory Russian Roulette. Like Russian
Roulette, the longer you play, the worse your odds. Even though I have
insurance now, it may be too late. I may already have played too
long.
It's going to take months to find out what all is wrong with me
before the doctors can start fixing it. Hopefully we will make some
progress in that direction before the Republicans repeal the
Affordable Care Act in the interest of fiscal responsibility and
preservation of our basic American liberties.
I am a little conflicted about this. It never occurred to me that my
right to life would be held hostage to the insurance companies' right
to continue to muck up the American health care system. Now I find
that I'm not only a whiny, sniveling layabout trying to milk the
system of its bounty, I am a traitor to American values as well.
A real patriot would just suck it up and quietly off himself. Of
course a real patriot has health insurance, so this is kind of a moot
point. It's only after you lose your health insurance and find
yourself in a situation where it is difficult or impossible to get
coverage that you realize that your loyalty to the system is not a
two-way street. As soon as you become a burden to the privileged, the
enfranchised, and the entitled, you are a risk that American
Exceptionalism does not care to afford.
If you would believe statistics, many of us are within a few
paychecks of this kind of treasonous dependence, yet still choose to
believe in and vote up the policies that keep us in this precarious
servitude. Go figure.
This comment has been removed by a blog administrator.
ReplyDelete