Friday, December 18, 2009

Health Care

I want to take a minute to talk about health care.

Clearly, I don't usually use my blog on a political front- but that's what blogs are, right? Public forums where you talk about personal injustices, or your cats, or the crown you just got on your tooth, or the final fitting appointment for your gorgeous wedding gown (all of which are relevant to the last 12 hours of my life).

But today, I want to talk about health care. When I moved to Madison, unable to receive health insurance here, I extended my policy from my former job through a Cobra plan- which seemed amazing at first. Reasonably low cost, no fuss with changing to a new plan, and I could continue on with life. Until a month or two into the plan, when I was already living in Madison and realized on my Cobra plan I wasn't allowed to see any doctors OUTSIDE of the state of MASSACHUSETTS. Which is entirely unhelpful when you're 600 miles away, and you're epileptic. Blue Cross recommended I go to walk in clinics or the ER if I needed to seek medical attention- which makes total sense. I mean, that's why I have insurance, after all. So that I can go to walk in clinics.

But I've been healthy and happy and my seizures have been under control, so my health needs have been kept at bay.. until now. Now that I've been on my Cobra plan for 9 months, I'll have to start paying the full premium, which is no longer affordable, so I've been exploring other options (which are few and far between, as private health care is through the roof expensive and I make too much money- a laughable prospect- for Medicaide). Knowing that I'll be married in roughly 3 months time, I figured the easiest thing to do was figure out something for the interim, and then hop onto my husband's plan in February. He called Anthem Blue Cross Blue Shield today to figure out the details- since I take a time sensitive medication (that costs $800/ month without insurance, by the way) we wanted to make sure there was no lapse in coverage.

In infuriating calm and friendly demeaner, an agent from Anthem Blue Cross Blue Shield told my fiancee that they won't take me on, even onto his plan, even though I'd be paying for it, because I'm epileptic. He told Charlie not to "waste his time trying".

I'm sorry- last I knew, health insurance was created for everyone. And I'm not even trying to get it for free- I'm PAYING for it.. and one of the top insurance agencies in the country is turning me away? It's absolutely ludicrous that the sick are denied health care because they're just that- sick.

So now, I have no current prospects for a health care plan even just to get the medication I need, and no future prospect for a health care plan after marriage- though I can hold out hope that my next employer offers it. And heaven forbid I get sick or need to visit the ER or see my neurologist because I can't do that either.

This is preposterous.


Colleen said...

that is bullshit and i'm infuriated with your situation...those jerks, you should write to a newspaper or something and make them look evil and maybe someone will help you in turn!

安室 said...

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