Category Archives: Health Insurance

No Net

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No Net

I haven’t wanted to write for months. I’m having a difficult time coming to terms with the enormity of this situation. I force myself to do the self care things that have helped  me to remain sober for more than 36 years…I eat well, exercise, start my day with gratitude, pray…yet, I find myself fighting that gravitational pull. That invisible, powerful force that wants to take me down. I don’t want to die, I just don’t want to do anything.

Early on I acknowledged to myself that I wasn’t going to Marie Kondo my way through this mess. I may get around to tidying up my desk of shame in the kitchen if the urge hits. I will not be learning a new language, sewing masks (they would suck), or (sigh) writing the great American novel (or the mediocre pandemic novel).

I’m shadowboxing depression and my usual moves are tired, weak.

I go through the motions anyway, a weird automatic setting that kicks in like a worn out, haggard looking Stepford Wife. I feed my family (a seemingly endless loop of meals), I do the laundry, I get my ass outside to walk, I check in on my elderly clients and my mom, try to find the humor…I’m struggling, I mean, aren’t we all?

Mind you, I have no reason to complain. I live in a spacious house with people that are not abusive or threatening. Sure we get on each other’s nerves but I’m not in danger here. My awareness that other people do not have a safe space haunts me. Women are getting beaten by abusive partners, children live in fear of their parents, many people are hungry, cold and without adequate shelter and I feel powerless.

I worry about marginalized people, the ones that were barely making it before the virus. Minorities afraid to wear masks in public because that may be more dangerous then not wearing one…people living on the street, those scraping by paycheck to paycheck, the uninsured, the ones with no safety net whatsoever…I used to be a member of that club.

It sounds great to call grocery store workers heroes. The truth is most of them work to survive, they don’t want to stock shelves, run the register or listen to you bitch about a lack of mangoes, they don’t have a viable alternative. They prefer to live indoors with electricity and running water.

Prior to this sh*t storm it was not unusual for me to be at several grocery/specialty stores in a week, sometimes several in a day. I would take my elderly clients out food shopping, to the butcher, etc, then I would go shopping for my family. If someone wanted the Brooklyn Bread, I would drive 15 minutes to that store….croissants, no problem, 12 minutes in the opposite direction. Need Italian cookies (the real ones with an almond base and pignoli nuts), I know a place (stated in a NY accent with exaggerated hand gestures). Back in the carefree days of early March, I was the step & fetch it gal for my family for each whim and craving. That horse has left the barn and in the immortal words of Ke$ha, I ain’t coming back.

Tik Tok Bitches

By the second week of March I realized that exposing myself to multiple stores in different geographic areas was high risk. So I hunkered down to one local store, once a week (or less) and made due with what I could get. I also shop for my mother and my elderly clients, I look like a hoarder whenever I go. I tried the online shopping with dismal results so this is my new normal.

I happen to know one of the workers at my store. Lindsay (not her real name) is a friend of a friend. Sadly our mutual friend passed away a few years ago and I was the one that broke the news to her. We have bonded over our grief and are on friendly terms. I always look for her when I shop, let’s face it, that’s pretty much the only real life social interaction I get outside of my home.

I was shopping two Fridays before Easter, April 3rd. My intention was to get enough for three households to make it past Easter. It was a monster order. My large cart was overflowing and I required two carts to get everything to my car. Lindsay bagged my groceries and helped me take groceries to my car that day. I was careful, I had a mask on even though it wasn’t required yet. I have a habit of bringing hand sanitizer in my pocket when I go into the store so I can put it on before I touch my door handles. I took those precautions.

As we were loading my car, Lindsay talked about wanting a mask. I happened to have an extra one in my car. Nothing exotic, just a basic dust mask. A different friend of a friend gifted me with a 4 pack of them about a month ago. I offered one to Lindsay and she accepted with gratitude. That was the last time I saw Lindsay face to face.

On April 15th I got a Facebook message from Lindsay. I commented that I missed her in the store when I went on April 14th. Turns out Lindsay and her partner both tested positive for COVID 19, they were 8 days into isolation. She didn’t go into too many details just that it was awful and scary. I offered to shop for them, cook, anything…she declined said they were covered for now.

I haven’t heard from her in a week.

 

 

If you have the means and feel inclined, I urge you to donate to the charity of your choice during this time. Here are links to two charities that are dear to me –

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Fingers Crossed…

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Fingers Crossed…

Muthafuckah. Got some not great news today…for my regulars you may recall a post from last week when I waxed poetic about my crappy health insurance. I begged my doctor’s office for a script for an MRI but they declined because my insurance (sucks) needed me to go through more hoops first because they’re assholes.

I figured an x-ray would be useless because the pain I have seems nerve related. Pins and needles, like when your foot falls asleep. The foot thing usually passes after a few minutes, the situation I’m dealing with is 24/7.  The pain ranges from a 3 to an 8, it’s never gone completely. I’ve had about six weeks of this now and I’m starting to get cranky. However, the insurance company needs a checklist ticked off before it will pay for an MRI so basically we ALL work for the insurance company now – the doctors, medical billers, patients, hospitals, labs – they own us.

Anyway the planets aligned and I got the referrals, made the appointment, and saw the doctor. The appointment was with a non-surgical Orthopedic at the Rothman Institute. The office ran like a well-oiled machine. They even took an x-ray of my neck for $20. which is the best deal I’ve gotten since well, ever. My PCP wouldn’t send me for an X-Ray because she’s scared of my insurance.

The x-ray didn’t show much (shocking) so I got my script for the MRI. The RI office staff managed to get an authorization code from my cheap ass (yet freakishly expensive) insurance company so I got my MRI a few days ago. This morning I got a call around 9:15am from an unknown number so I let it go to voicemail. It was the Orthopedic doctor. Well, that was unexpected. I called the office told them I would be available after 12:30. I got another call from the doctor at 12:32, this is highly unusual. Doctors calling as soon as they get the results to discuss it with you…

Doc: Hello, I wanted to let you know I got the MRI and it isn’t terrible.

Me: (nervous laughter) Great, not terrible is good, maybe.

Doc: We compared this MRI to the one you had in 2010 and the same area is involved (cervical).

Me: I’m glad you were able to hunt that down.

Doc: I’m recommending that you see a surgeon.

Me: Oh.

Doc: There’s some compression around the spine and some fluid. (barely audible) Myelomalacia

Me: Mya-what?

Doc: Myelomalacia, don’t Google it.

Me: Of course I’m going to Google it, you just told me not to.

He then proceeded to name some doctors that are spinal surgeons. I got off the phone and promptly cried for 45 seconds. Then I started Googling, then I took a walk because I can’t do anything else. He told me to hold off on physical therapy until I see the surgeon. Oddly enough I had a physical therapy consult scheduled for this afternoon.

I talked to my husband, I talked to a friend, I talked to God and my dog. I made the appointment for Monday which is a miracle in itself. Hopefully, I’ll have more information and the start of a game plan this time next week.

I put my gym membership on hold. That was when it hit me, shit got real. Exercise has been a physical and mental release for me for 30 years. Now I have restricted exercise (walking) and constant pain, it’s not an ideal combination. I’m trying to not think about it too much until my next appointment, easier said than done. Fingers crossed…

 

It’s All About the Money Honey

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It’s All About the Money Honey

This week has been a painful reminder of how incredibly messed up healthcare is in America. I’ve had an annoying issue that’s been shadowing me for about a month – near constant tingling/numbness in my right arm. I waited a couple of weeks to see a doctor because I thought it might resolve on it’s own, it hasn’t. So I made an appointment and saw my doc – she put me on steroids to see if inflammation was the cause.

I was a little freaked out to take the steroids because I’ve heard some rough stuff but it was a low dose for six days so I tried it. Nothing miraculous happened, the pain and numbness were dulled a bit but not gone. A day after my last dose I had extreme pain so I called the doctors office asking for next steps. No one called me back. I called the next day and got Honied and Sweetied by the nurse.

Nurse: Hold on hon, let me check….(hears keyboard clicking…)

Me: The pain is fairly significant and it’s constant, can we possibly streamline this process?

Nurse: Well Sweetie your doctor is giving you a referral to the Rothman Institute.

Me: OK, will I have a diagnostic test done before then to pin point the problem?

Nurse: No Honey. Go to the Orthopedic doctor first.

So I call the Orthopedic doctor. I’m fortunate they have a cancellation so I don’t have to wait a month or more to get in. The intake person tells me I will see a non-surgical doctor and asks me if I have had any x-rays or an MRI. I call back my doctor’s office…

Me: Can I get an MRI or some other diagnostic testing prior to the Orthopedic appointment so it is a more productive appointment?

Nurse: Pffffft. I doubt it.

Me: Can you ask?

Nurse: (Clearly annoyed) This is what your doctor has suggested.

Me: Yes, I understand that. I’m just in a lot of discomfort and I want to streamline the process if at all possible.

Nurse: (sighs loudly) I’ll put a note in for the doctor.

Next day…nurse calls we play phone tag 4 times before we connect then the call gets disconnected….

Nurse: Doctor says your other option is 4 to 8 weeks of physical therapy, then reconsider MRI, otherwise, insurance likely won’t cover.

Me: So physical therapy for a problem that hasn’t been properly diagnosed yet because an accurate diagnostic test hasn’t been done because the insurance won’t pay….I’ll stick with the Orthopedic referral, thanks.

Once again the death of common sense has been verified. I am nothing but a walking widget to these people…another name in the computer that stumbled off the factory floor and had the nerve to ask relevant questions. I’m sure this nurse started her career with the sincere desire to help people, now she is relegated to towing the corporate line for a variety of insurance companies. The doctor may sign her paychecks but they all work for the insurers now and it’s been that way a long time. This is the insurance we pay $20K in premiums for each year because my husband and I are both self-employed.

In other news, I went for a consultation for a cosmetic procedure today – blepharoplasty (under eye bags). Met with the doctor, scheduled the procedure and poof have an appointment for early November. Easy Peasy!

What’s the difference here folks, cash. The almighty dollar y’all so if you are willing to pay cash you can get your tummy tucked, boobs/eyes/ass lifted, nipped, tucked and fat sucked with barely any questions asked.  GAWD forbid you have a real problem then you will jump through hoops of fire to get the coverage you actually paid for, healthcare in America, it’s just swell.

 

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Actual photo of me trying to get the healthcare coverage I already bought. (Pssst, not really I got the image form Pinterest)