Posted in Commentary, Politics

I Can’t Stand It

I admit, I’ve been a little shut down lately–in self-defense, mind you–regarding the hateful, greedy dumpster fire that is our federal government currently, because I cannot deal with the daily onslaught of untrammeled horror coming out of D.C..  But with the release of the budget, and the intolerable stupidity and heartlessness coming out of the mouths of the people who are stumping for it, I just can’t stand it anymore. There are three things I hate most in life, and those are willful stupidity, meanness, and lying. This government is saturated with all three.

It’s impossible for me to understand all those American voters who voted for what we’re seeing now because they are against “their hard-earned money” going into pockets of people they deem unworthy because they are…well, let’s see, who are they? They are single-mothers, and children, and people of color, new arrivals to these shores, refugees, the poor and vulnerable, and themselves in many cases, but somehow, that doesn’t matter. Somehow, though, they’re just fine with “their hard-earned money” being funneled directly into the deepest pockets in the land. The logic fail on the most basic level just leaves me sputtering in disbelief, and yet it’s happening. I cannot deny it. Robber barons have taken over our government, with the express consent of the people who will suffer most for it, and the majority of us get to suffer right along with them. And they have the gall to be surprised, despite 65,844,610 of us telling them that this was exactly how it was going to be, for 18 months leading up to the election.

What a country. I don’t even know what to do with it. I really, really don’t, because it is so wrong-headed, and the ramifications so dismal, far-reaching, and terrifying that I find it hard to string words together to rant about it, because my basic and constant to reaction to what’s happening is this:

And this:

When you have politicians proudly explaining to us that poor children don’t need free and reduced lunch (often the only meal some kids get all day) because it doesn’t improve test scores, and that the elderly, ill, and homebound don’t need meals-on-wheels (often the only food and human contact some people get all day, or week), we have taken a hard turn to the darkest side. Especially when these cuts are being used to finance tax breaks for people who already have more money than sense or compassion. Their greed is insatiable, and the Trump administration, and all the cronies he’s installed in it, will not be satisfied until they have emptied the treasury of every single cent, and incentive, they can wring out of it for their own current and future enrichment. And they are willing to starve children and old people, to let Americans die without access to health care, to get it.

That is evil, my friends. That is unequivocal evil. And yet these are the people who constantly claim they are the party of morality; that they are the good Christians fighting the righteous fight against the rest of us perverts who think human rights are for all humans, civil rights are for all citizens, and that we ought not let the most vulnerable among us suffer for our selfishness and fear. They don’t know a damn thing about Jesus Christ, or what he stood for.

I have been disappointed in my country before, but this is new. This is despair. We are in real, existential trouble, and people are literally dying, and there will be more, whether they’re shot in the street by racists, or raped and murdered by people who are fans of a President who thinks he can assault women with impunity, or they can’t get the medical treatment they desperately need, or they just quietly starve in obscurity.  I don’t know how we stop this horrible juggernaut. Will it only stop when it has consumed and exhausted all of us, and there is nothing left but corpses and dead earth? Are we going to peacefully, if fearfully, walk ourselves into the ghetto, telling ourselves that if we just cooperate, it’ll all get straightened out, and it couldn’t possibly be that bad?

It can be. It is.

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.

screenshot-2017-01-25-at-1-27-24-pm

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.