I can’t believe it, but I am uninsured right now.
Those who know my health history can’t believe it either.
But we are victims of timing.
Bryan was laid off, losing his group insurance. We have applied to two major insurance companies and were denied so fast that my email actually created a breeze up into my hair. If you can’t guess why, look back at all these health posts.
We have access to COBRA and will most likely be enacting it this week, to the tune of $1,500 a month. Just to provide a stop gap before Bryan gets a new job, with group benefits. Where medical underwriting is not required.
We are also exploring what we can do through my company, but seeing as we are tweeny weeny (me) – again, getting coverage without medical underwriting is pretty impossible.
Medical underwriting as in, telling me it sucks to have diabetes.
Something I inherited.
In the middle of the Supreme Court ruling I made a comment on Facebook that “health is not a choice.” Of course, I was set upon like day-old meat sitting in a corral of rabid dogs.
“Health is a choice!”
“People who don’t take care of themselves get what they deserve!”
“I am taking the risk by being uninsured, why should you care?”
So, sure, there is a lifestyle component to diabetes, but really? Being 15 pounds overweight caused me to get it at age 32? What about children with Type I who get the diabetes as toddlers? Did they have a choice?
And – lest we forget – did I choose to have a life-threatening ear infection?
If I haven’t been clear on the subject, I had several CT scans where they were making sure my skull had not fractured. My doctor actually said to me, “I need to make sure your brain is not leaking.”
From an ear infection. That I had no control over.
And now those two things have forced my whole family to be uninsured.
We will fix it soon, and pay a lot of money to fix it, and scrape hard for even more money to fix it, but we will do it. We have Plan A, B, C and D for combinations of insurance and where to go for it.
Why does someone with a traditional job get more access to health care than I do?
Why would I be denied coverage for a very common disease and an uncommon malady that will never happen again?
It’s just crazy.