Can I vent?
Now that Dyami's "retiring" from his job for the short term, we thought it might be good to purchase some health insurance to cover catastrophic events and/or planned or unplanned pregnancies. We've done this before--the last time Dyami got bored at work and decided to strike out into the great unknown of semi-unpaid work. Last time, we bought the high-deductable plan that's crappy but better than no insurance at all. So it was kind of nice, this time, to know what I was doing. No need to reinvent the wheel, right? I just signed up for the same plan we had before, and waited for the company (Blue Shield) to take our money.
Except it turns out they don't want our money.
Why? you might ask.
Well, because I actually used the health insurance we're currently paying for.
When we got company-provided insurance a few years ago (oh, happy day!) we shelled out a bit of extra cash to get some chiropractic coverage. Both of us like our chiropractor, we have a few aches and pains, and it's nice to be able to get them taken care of when they occur, rather than letting the kinks decide they're permanent.
So that was our big mistake: actually using the chiropractor.
After Lucy was born, I had some aches and pains. Ligaments were all stretched out, my old dance aches were irritated, and I slept wrong and got a crick in my neck.
Nothing too catastrophic.
And man, was I glad I had decent coverage! Cause then I could get it taken care of!
Except apparently that was a bad idea! Because it was on the basis of those complaints that Blue Shield decided I was in poor health and a bad risk.
Hmmm. I eat well, don't smoke, don't drink too much, exercise regularly, and have never broken a bone, been hospitalized, or had a major illness. Not only that, but I gave birth to Lucy at home, without anaesthesia.
If I can't get health insurance, who can?
We're working with our chiropractor to contest the denied coverage; I'm hopeful that the result will be good. After all, wouldn't they desire to profit off of our fabulous health?
But it just pisses me off that this is our health care system. That I will now be afraid to go to the doctor or use the coverage I pay for because it might prevent me from getting coverage later. That someone with an entrepreneurial spirit might think twice from starting a business because they can't afford or receive health insurance. That we are forced to fight to pay someone to provide us with bottom-of-the-barrel, only-prevent-bankruptcy coverage. That all this could be avoided if we all ponied up more taxes (probably less than what a lot of people pay for insurance and health-related expenses) and actually supported a health care system that made sense, pooling all of the people in our country of good and bad health.
If this makes you mad, too, here's an organization that's trying to do something about it. Healthcare reform is just one of their platforms, but it's an important one. I'd like to be optimistic our next president will solve everything, but I'm not. Unless we all put more pressure on them. And ditto with California's legislature. How do they know what it's like? The state already provides their insurance.
So I invite you to join me in supporting Moms Rising. Because in this economic climate, it could be you that gets laid off next. And you who is unable to find coverage for you or your loved ones. If you have had problems getting coverage for your kids, share your story here to help our lawmakers understand this crisis.
And pray that Blue Shield decides to take our money.