
The problem is, the setup for the joke is this: What’s whiskey and aspirin? Now the reason I find that so uproariously funny (besides the fact I wrote it) is that in the past couple of months, I’ve been denied healthcare coverage by four different carriers. Oh, you perspicaciously say, I must have:
✓ Spondylosis or tachycardia (or another polysyllabic terror)
✓ A large, suppurating wound that can’t be covered by the Sunday paper
✓ Something growing in my mouth that looks like a lionfish
✓ No functioning internal organs
Surprise—none of those! However, I did have hip surgery for a labral tear close to four months ago. Successful hip surgery, followed by successful physical therapy, signed off as “fine and dandy” by my doc and the PT guy. Why, I could briskly walk up to you right now and put a live salmon in your underwear and you’d never suspect I’d had a hip problem.
No, the problem is getting health care after having a hip problem.
Cobra Bites
The complication is that I did have COBRA health coverage, but it expired about a month after my surgery. Silly me, I’d thought that I could just pick up a new carrier post-surgery, since I’m in basically good health, exercise (with delight) six days a week, and don’t have any peculiar conditions (space between ears notwithstanding) as listed above. Wrong!
So, denied, because of my recent surgery (they are most cautious, these vigilant health carriers) as being too risky. Denied even by what’s called “bridge” insurance carriers, who cover you month-to-month when there’s some problem with standard insurance, or if it’s expired. Denied even when I’d applied for high-deductible insurance—$4,000–$6,000—so the insurance companies wouldn’t have to pay a dime until my arm happened to fall off while signaling for a cab. (Of course, if anything is going to drain your health, it’s filling out the forms online, which run to 12-15 pages. No coffee is strong enough to combat that pain.)
That Bitter Socialist Pill
Of course, that damn socialist Obama wanted to prevent carriers from being able to deny people coverage with pre-existing conditions, but that part of his plan probably won’t see the light of day, since many partiers of tea find it an abomination. After all, we do have to protect the insurance industry at all costs; my God, we wouldn’t want their record profits to be undermined by ill people that need care.
It is interesting to be a freelancer, subject to these kinds of insults, particularly when my pre-existing condition is that I’m fine. Gracious, I feel bad for the people who have real ailments, like diabetes, macular degeneration and the like, who are independent of corporate insurance. That’s a real picnic.
Finished ranting now. For a look at an interesting post on freelancers obtaining insurance, check out this from Peter Bowerman’s site. There is some good stuff in the comments there. For now, I guess I’ll go try a dose of my punchline.
PS
One of my bills from the surgery center came in at around $28,900.00. The insurance carrier countered by offering $245.00. The surgery center then said they had a contractual write-off of $27,500.00. They play amusing games, these healthcare providers. Especially since my “supplies” from the experience were bandaids and hospital socks. Oh, but they were nice socks…