Monday, March 21, 2011

Not Off to a Good Start

How was your first day (back) at work, Ms. Strainedconsciousness?

So sweet of you to ask! It was...


See, the thing is, my alarm didn't go off this morning. And I didn't fall asleep until about 3 a.m. because, despite the sleepless night Saturday, I had insomnia (again).

So I was 2 hours and 15 minutes late to my first day of work.

Yeah, so that's where the "crap" comes in.

I called the office, left them a message, ran into the bathroom while screaming obscenities (I probably sounded like a rhinoceros running around), and was dressed - in make-up! - in 20 minutes flat.

I didn't take a lunch break, so I ended up working about 7 hours, and everything was okay. The employers weren't upset, so that's all good.

But it was still embarrassing.

And now I'm trying to navigate the murky waters of health insurance for people who have pre-existing conditions.

It's not fun.

In order to apply to the State of Texas' Health Insurance Pool, I have to have at least one insurance company refuse to insure me. So I just spent the past two hours applying for health insurance for one company that will undoubtedly thumb their nose at me while blowing a raspberry.

They try to trip you up by asking questions about varying health conditions twice, so I just threw everything in there that I could think of that they could ever possibly want to know about, so if they found something out after I was diagnosed, they can't cancel it because I withheld information (a common ploy of individual plan insurers).

So that bronchitis I had in 2001? Yup, it's on there.

The sinusitis from 2001? Yup, it's on there.

Whoever looks at my application will know more about my digestive system, my neurological functions, and my emotional state of health than they could ever need to know.

And then I had to pay $164 "in case" I'm accepted to their plan (it's refunded if/when I'm rejected with a slap to the face).

But it doesn't matter, because they'll refuse to cover me.

Because I'm "uninsurable."

Neat how the people who need insurance the most can't get it, isn't it?

And before anyone starts railing against the tax-payer funded health pool I'm going to apply to after my rejection: It's not tax-payer funded.

The people who pay the insurance premiums (which are high) foot the bill for the health plan, along with the insurance providers, who are required to pay a tax to the state government. And no, it isn't part of "Obamacare," it's been in place for several years.

No comments:

Post a Comment