Temporary Relief

[jianantonic]

I had McKenzie do my bidding today.  I can't think about the insurance situation without tearing up, and I definitely can't talk about it to anyone without blubbering.  It's just a really frightening scenario.  So McKenzie called Anthem today to see why a cyst would be something they can use to charge me 6 times the original quote.   Their answer:  "Because we can."  No lie.

So after telling them to blow it out their asses, he did some searching, and found a political advocacy group for the self-employed.  He and I are both self-employed, and it just so happens that he also doesn't have insurance, so he talked to them for a while and found out that they offer group health insurance for members at a pretty reasonable price.  He applied, we were accepted, they'll cover my ass (literally), and that crisis is over for the time being.

So I am giantly relieved, and McKenzie is my hero.  He already was, really, but even more now.  

But this is still a giant problem and still my main concern.  I am healthy now.  What happens when insuring myself becomes more expensive, as my health deteriorates with age.  There will be a point where miracles will stop happening, and I won't be able to do anything about it.  What then?  I'd rather not find out.  Let's change the system now so no one ever has to worry about these things.

It boggles my mind that the right wing fights so hard for "the right to life," yet does so little to protect quality of life for anyone.  

I have insurance now, and I can get treated for my ass, finally, so this is a giant relief -- but that doesn't mean I'm nto still scared shitless.

Peace.

Comments

[photomonk2.livejournal.com]

What's the advocacy group? Self-employment may be my best choice right now so I would love to know my options.

Congrats on conquering the system!

[jianantonic.livejournal.com]

The organization is called NAPA - National Association for Political Advocacy, I think - McKenzie found them by doing a bunch of web searches and making a few calls, but I'm not sure if they have a website of their own.

[oobermeister.livejournal.com]

i think that might be one of those things that you can sue the insurance company for, yknow, like in those commericials with robert vaughn..."tell the insurance company you mean buisness!"

either way, i'm glad to hear your ass is covered.

[mlf003.livejournal.com]

I'm so glad you were able to find health insurance. And I still don't blame you for being scared because like you say- what happens when we get old and really have health problems? We, US citizens, should really start to plan for our futures and make decisions now that can positively impact the healthcare system...and so much more!

[flamingophoenix.livejournal.com]

Well, when you get old and really have health problems, you have Medicare. Not that that's a huge comfort, but it exists and it ain't going anywhere because old people vote. FWTW.

[flamingophoenix.livejournal.com]

Aigh! I'm glad you've found health insurance that isn't crazy! Good luck with all the rest of this...

[kixeldorado.livejournal.com]

Yay!
I had a reply to your last post all typed up then comcast dropped our signal and I lost it. :( Either way your solution was better than my idea, and half of it was just incredulity that you were able to get a mortgage that was less that $700 bucks here in the land of expensive housing. :)
(The Man and I have been talking housing lately and I posed the question of rent vs buy the other day, sparking the mortgage thing which is why it was on my mind...)

Anyway, I'm glad things worked out.

So now when you get your butt all taken care of, you can go to Anthem's offices and tell them to kiss your newly repaired ass. :)

Tangent

[jianantonic.livejournal.com]

If you can afford to buy, now is ABSOLUTELY the right time. The ball is totally in the buyer's court, because with the flood of houses on the market, you have so much leverage. But if you don't have the credit to get a decent mortgage (not an ARM; a good rate), then it's a risky move.

Everyone talks about the mortgage crisis and the housing crash, but that's just the selling/corporate side. If you're on the buying side, you're in a powerful minority.

And my mortgage is low because I sold a giant house and bought a small condo. I had enough for a big down payment and my credit was well established, so I got a good rate. I could have an even smaller mortgage (read: NO mortgage) if my divorce hadn't slowed down the sale of my house right as the bubble was bursting, but I try not to get bitter about that...