Posted in Body Politics, Politics

The only thing worse than dealing with insurance is dealing with not having insurance

I had just raised my head from my puke bucket for the umpteenth time when a young man came up, all brisk efficiency, pushing what looked like vitals monitor cart with a laptop on it, and I was encouraged, because someone in scrubs was back, after an initial flurry of activity and then a long time of just Scott and I sitting alone in the ER bay, to help me.

But he wasn’t there to help me.  He was there to ask for my credit card, because I had a $450 ER copay, and they were going to get it right now.  Even in my dizzy, nauseated stupor, I had the sense that if they didn’t get it, no one would be back for me again.  It didn’t matter that I was miserably sick and afraid that I’d either had a stroke, or something malignant was happening in my brain to put me in this state.  TMC was getting paid right-the-fuck-now.  Before I left, someone from billing showed up–in a white coat no less–to talk to me about payment again. Really, people whose jobs are financial at the hospital have no business wearing scrubs or white coats.

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I’m sharing this because this is the collection of bills I received for my trip to the ER in December which included (only) a CT scan, an MRI, meclizine, valium, and Pepcid, and a lot of saline, chicken broth and crackers, plus breakfast and lunch, and consults with the ER doc and 3 neurologists who put me in a room for observation.  (I have bills for 4 doctors, though I have no idea who Salvatore Tirrito is, but he billed my insurance.  I never saw him.  Never spoke to him. Never heard his name mentioned by any of the people I DID speak to.)

That is to say, the bulk of my visit was me lying around, and everyone hoping I wouldn’t die; there wasn’t a lot of hands-on medicating or treatment. And yet you see the total here (and there’s another $154 of MRI that somehow didn’t make it on here, but did on the actual bill from Radiology Ltd.). And it will be paid by my BCBS insurance which I’ve had through the ACA for the past 3 years, because it was far more affordable than just being added on to my husband’s insurance (which is what I did after I retired, but before the ACA existed); with the ACA, my insurance premium was HALF of what I would’ve paid through Scott’s job, and that’s without any subsidies, which we don’t qualify for.

If I hadn’t had insurance, I’d be under an extreme amount of stress right now, trying to figure out how I was going to come up with over $21,000 to pay for a very scary overnight. But as it is, I’m only under minor stress, because as you can see, my share is only $1K and change. And I’m fortunate at this time in my life that that’s doable, but there are years at a stretch in my adult life where an unexpected $1000 bill would’ve been ruinous, and I have many friends and family for whom that has been, and remains, the case.

BCBS raised my monthly premium $35-60 each of the last 2 years, and this year, decided to opt out entirely of the Marketplace, meaning that the insurance company that has covered me most of my life, both as a child and as a working adult, decided I was no longer a reasonable risk, primarily because they weren’t making enough money through the marketplace, and didn’t appreciate the requirements the ACA placed on them in regards to what they had to offer their insured. The insurance companies are the problem, not ACA. Insurance companies believe they should be able to take your premium money endlessly, and balk at paying when you need to use it, or kick you off entirely, if they ever let you on to begin with. The ACA changed that. And now Congress and Dear Leader are fixin’ to change it again. They can just decide to not insure anyone if they don’t get their way.  They’ve already done that; many major insurers have.

Because I’m fortunate to have a working husband, and the upcoming election made things so precarious in regards to the ACA, I bailed on the SINGLE policy option I had and signed up for through the Marketplace, (a policy that not only raised my rates considerably, but also my copays, not to mention my deductible went through the roof, and for all that, I got less for my money and would’ve had to find both a new PCP and a new GYN), and got back on Scott’s insurance. Oddly enough, BCBS had no problem reinsuring me through an employer plan, despite dropping me through the Marketplace. This is why employer-based insurance is a problem–for people like me. And the bulk of my regular healthcare I pay for out of pocket, despite having insurance. But I still get sick sometimes. I still have emergencies. I need it. Because I don’t have $21K lying around just waiting for mornings when I wake up, can’t walk straight, and can’t stop puking. Who does?

What I didn’t have is options for insurance in Arizona as homemaker. And if I weren’t lucky enough to be married to an insured person, I’d be SOL. Single folks don’t have that option. We need universal health coverage, and it needs to be single-payer, so that your access to health care isn’t determined by your employment status, your employer’s values, or your marital status. Government health is not the problem; greedy insurance companies IS. They have been raising rates 20% annually for years; if you didn’t realize that, you were either uninsured, or your employer absorbed the costs.  They’ve been doing it forever; and once they had all of us (which had to be included in the law, or the insurers wouldn’t have played ball at all), they gouged their captive audience and then hung us out to dry.

I look at my bill for this one night in the hospital and think, “What if it HAD been a stroke?” I would’ve been in for a month like my dad, to the tune of $200K.  If it had been a tumor, I would be trying to figure out how to pay for cancer treatment (if I were lucky and it was treatable; a lot of brain tumors are not), and probably opted not to, because I wouldn’t want to bankrupt us, or Scott if I died anyway.

Because that is LITERALLY what we’re talking about when we talk about taking insurance and health care access away from people:  Death.  People will actually die because they can’t afford their medicines, or the treatment available to them, or will die when they go hungry and lose their homes because they took out a second mortgage to pay the hospital bills.  I’m not willing to let other people die for money, and I am dumbfounded that other people are.  The idea that any human being, anywhere, dies because of profit, offends my soul on a deep level.

If you’re mad about insurance rates going up, I’m right there with you.  But at least have the decency to be mad at the correct people:  those engaged in medical profiteering, insurance companies being among the worst, followed closely by drug companies.  Because when you cheer for the end of the ACA, what you’re really cheering for is the end of actual human lives.  And if you’re okay with that, I can never be okay with you.

Posted in Commentary, Politics

What did you endure, Trump voters?

No, really, I’m asking:  What, exactly, did you endure, that you suffered so over the last 8 years with Barack Obama as our president?

Because I keep hearing about how you suffered tremendously under President Obama, and now we (progressives) get to know how it feels to be so unhappy in a president.  And I want to know HOW?  Because no one ever gives any specifics of how they, personally, were affected in the negative.  

He righted the tanked economy.  He rehabilitated America’s international reputation.  He advanced civil rights for many marginalized groups.  He showed mercy to refugees.  Right or wrong, he avenged America for 9/11 in killing bin Laden and in the continued hunt for and incarceration at Gitmo of suspected terrorists.  He helped millions of Americans have access to health care for the first time.  

What have you got against any of those things (and others), exactly?

What have you endured, from Obama and from progressives across the nation?  What exactly is your problem?  

Is it that you suffered the “indignity” of being led by a Black man, and were forced to confront not only the racist past, (present, and foreseeable future) of our country,  but also the unexamined white supremacist ideals and structures that have seeped into your own mind and values, and that made you uncomfortable and angry?  

Is it that you were “forced” to be legally decent to people who aren’t you and your family?  That you were prevented by law from actively persecuting people you don’t understand, or don’t agree with?  That you find it ever more difficult to find a receptive audience for your racial slurs and misogyny, and are held accountable when you misjudge that audience?  

Were you intolerably put out by the fact that a large number of people think their lives and their bodies and their sex lives are none of your goddamn business, and spoke out, loudly, to make you understand that they didn’t appreciate your inappropriate, hateful intrusion across their healthy boundaries?  

Were you brought up uncomfortably short by the realization that you really don’t understand what it means to live in a society with others, and that since time immemorial, humans have worked cooperatively for their MUTUAL benefit, stifling the unreasonable expectation that their every individual desire and preference be accommodated at all times, because people are different?  

Did you suffer further by not understanding the history of humanity in general, and this country specifically? Did it hurt your heads to reckon with the uncomfortable truth that this is a nation of immigrants built on the bones of the native peoples of this land, land our ancestors stole from them through violent genocide?  Do you feel enslaved and murdered, as they were, because you have to hear Spanish in the Walmart or Arabic in the grocery store?  And if so, where is your ongoing concern for the people who suffered when your family showed up on these shores as you unironically scream “Go back to wherever you came from!” at strangers?  

While you were enjoying unprecedented access to health care through the Affordable Care Act, many of you not understanding that that WAS the Obamacare you hated so, did it gall you that OTHER people’s children were not dying for lack of health care access?  What was the pain and suffering you endured when the cost of helping ill strangers was spread around to all of us?  I’ve got news for you:  It always has been.  If you haven’t been paying for your health insurance and health care up until now, that means the rest of us have been doing it for you.  That’s how insurance works, in case you didn’t know.  The well people have always been paying for the sick people.  When you get subsidized medications, it’s because the people who can afford them are paying more.  When you don’t have a primary care physician and end up in the ER with no ability to pay, the rest of the people who go to that ER who can pay pay for you, too.  That’s why one night in the ER for me cost over $18K.  Which sucks, but I’m willing to accept it so that at 3 a.m. when your child has pneumonia and can’t breathe, and couldn’t get antibiotics in time because you couldn’t afford to go to the doctor, you can get seen in the county ER and your child doesn’t die.  I know that you and your children are not to blame; my anger is for the insurance companies who are happy to profit from your pain and misfortune.  But I’m happy to contribute so that kids live, even though they’re not my kids.  Evidently, that pains you.

How did it affect your life, really, when Obama, and people like me, said that everyone having a lot of guns wasn’t working out so well for us, to the tune of children dead in elementary schools, and people dying in malls, movie theatres, and dance clubs?  You’re still waiting for him to come for you guns, aren’t you?  

Honestly, I just don’t understand what you’re talking about when you speak of the horrors of the last 8 years under Obama.  I keep hearing how we elitist progressives aren’t listening to you, or trying to understand what you’re going through.  But I’m not accepting that rap.  All we ever tried to do was make sure every last damn one of us, including you, was safe, sheltered, fed, educated, and protected equally by laws that exist ONLY to protect us in the first place.  All we’ve ever tried to do was make sure that our darkest, unexamined, historical demons didn’t get, or stay, enshrined to the detriment of any of our fellow citizens, including you.  All we’ve ever tried to do was get people to understand that it was better to share our good fortune and we’d all be better for it.  Were we perfect in the execution?  Of course not.  But at least it was coming from a place of decency, of compassion, of reason.  You’ll never convince me that starting from there isn’t the way to go.

Such unimaginable horrors you’ve endured, to be pushed to, please, finally, learn to recognize and respect the humanity, dignity, autonomy, and opportunity of ALL the people around you that you share this country and this world with, and that there is, truly, enough for every one of us if we share.  And the very people who have shipped your jobs overseas, foreclosed on your houses, made off with your pensions and retirement savings, locked you out of healthcare in the past, and gutted your public schools, all in the name of personal profit, are the ones running your country now.  If you think you were suffering before, I’ve got bad news for you:  You ain’t seen nothing like what’s coming.  None of us have.