Insurance

Commander?

On January 20, 2009, history was made as the first bi-racial man was inaugurated as the 44th president of the United States of America.  Having a white mother and a black father, Mr. Obama considers himself black.  There is nothing wrong with this.  He is a man of confidence, believing in himself he presents as a strong personality with character and ability.  Many love him for the fact that he is black and made history being elected president.  Many also, despise him for the same reasons.

Having now been in office for 13 months it appears Mr. Obama’s approval ratings have been waning.  I have not conducted any scientific polls, nor have I spent an exuberant amount of time researching polls that have been conducted.  However, I can speculate as to the reasons.  All I really know is my own thoughts and feelings regarding the Commander-In-Chief.

I saw some of the interview that was done on CBS This Morning with Mrs. Obama.  If she was in earnest with her answers to the personal questions posed, then it would seen that Mr. Obama is trying to keep his personal family life real and intact.  This is admirable and should be applauded instead of  disparaged.  I send many kudos to anyone who can work in a public office and maintain as close to normal a family life as is possible for the situation.  Well done.

Personally, I watched eagerly from the first moment during the election as Mr. Obama began to push forth his on-going plea for health care reform (this started for him long before he began his run for the presidency).   Having a chronic illness, I know the cost of health insurance and how rates go up because you have to visit the doctor more than you used to.  Then I lost my job in October 2008 and learned the hard way the feeling of being turned down for insurance due to a chronic illness and finding prices so outrageous I couldn’t have afforded them with a good income, much less unemployment income.  As time went on I continued to watch.  I did not give in to the hype being lodged against the president by members of congress and senate.  I listened to Mr. Obama’s words.  It was his own words while addressing the Senate in September that turned my thoughts against the health care reform.  You can read my thoughts about that in a previous post.

Another issue that I believe has gone against Mr. Obama is his winning of the Nobel Peace Prize in December 2009.  Less then one year in office and he won the Nobel Peace Prize.  I wondered what he did to EARN it other than the fact that he has black skin and was elected as President of the US.  In his speech he acknowledged the fact that he had not fully earned the honor (indicating he feels he has begun to earn it) but in the same respect he did nothing to turn it down and have it given to someone who has truly earned it.

So what kind of a Commander-In-Chief is President Obama?  He can make speeches that are pretty and well written (credit goes to his speech writers).   He accepted a Nobel Peace prize he did not earn.  He has given indication he wants to bring our troops home (can’t do this completely as we have too many military facilities around the world in countries we have no business being in).  He wants to close Guantanamo Bay installations.  It seems however, he has one main focus for his time in office ~  health care reform bill.  He wants it the way he wants it and doesn’t care about how it will have an ill effect on the the majority of the United States.  This makes me wonder what his real agenda is.  Who will really benefit from this bill as he wants it passed?  My money is on the rich healthy people.  The Commander-In-Chief should have more on his mind for this country than one bill which is not a benefit to the country as a whole.  Perhaps if he broadens his vision his approval rating will rise again and not just because of the color of his skin, but because he is really making a difference.

Health Care Bill = Health Crisis

Terri Carlson wants her 15 minutes of fame and she wants publicity.  Well, I give her publicity here and on Twitter.  Just not the kind she wants.  She lives in California and has been setting up YouTube videos to find herself a husband.  Some may think this a novel idea.  She doesn’t want a husband to love, nor does she want his money.  Ms. Carlson is looking for a man to marry her and add her to his insurance.  She completed a segment on the CBS Morning Show this morning again, begging for a husband.  She did not say what her medical condition is, but on her YouTube this morning before taking her flight she showed she was taking her medical test results with her as proof that the is ill.  She is averring that she, a professed Republican, should be the poster child for President Obama’s health care reform bill.  She has a job working for a disabilities group, but they do not offer health insurance.  She has been buying Cobra Insurance (which everyone will attest to is very expensive), but it runs out in a year.  She feels she must marry someone within a year and be added to his insurance in order to maintain her health care.

Ms. Carlson wants to see the entire bill go through so she will not be denied health care.  I sent her a note via her website.  I spelled out how she is wrong.  This is a selfish act on her part.  I believe that she is aware of this.  She keeps stating this is all fer HER to be able to get benefits.  She does not have other people in mind as she sets out on her talk show arena.  I have blogged in the past about this health care reform bill.  I have read more of it than the politicians we are relying on to vote on our behalf.  The only good thing in the bill as it is written is the section that will make it illegal for insurance companies to deny someone benefits due to a pre-existing condition.  However, Ms. Carlson does not take into consideration that this bill will force everyone to buy insurance even if they cannot afford it.  Yes, there will be some allowance, but they are not very good ones.

In order for this to work, the government needs to revamp many areas, including the Americans with Disabilities Act.  President Obama has had one goal since running for office ~ Health Care Reform.  I watched him and listened to him as I was in favor of this myself.  I did not give into the belief that his reform would bring about euthanasia.  I did not listen to anyone but Mr. Obama.  Unfortunately, it was his words during his address to the Senate in September that turned me against his bill.  He is in a hurry to get this through in order to help a few people he has been trying to help since he first went into politics.  However, he too has missed the big picture, the helping of ALL Americans.  Until all Americans, or at least the largest population of Americans can benefit, this bill needs to be rewritten.  Doctors can increase their costs for people without insurance while charging insurance companies the minimal.  Alcoholics can get disability when alcoholism is their only disability, but people with heart disease and Meniere’s Disease cannot.  This is not a perfect country and the government only wants to put a coat of paint on a decaying wall.

Getting A Job In A Recession = FRUSTRATION

Being out of work for nearly 15 months has given me pause to consider many things.  To start, I hit the rewind button and go back to September ‘08.  The boss came in and let me know what he would be telling all the other employees two hours later (a meeting I couldn’t attend do to a doctor’s appointment).  He began by sitting down and pulling his chair over and said that the decision was made to run the station with only two employees.  He was not one of the employees who would be remaining either.  This was devastating.  I went to keep my appointment and then stopped at the package store on the way home.  I sent e-mails to those I had obligations to that weekend (it was a Friday) to advise I would NOT be in any condition to honor those obligations that weekend.  I then proceeded to plunge into the bottles of tequila, rum and Kahlua I brought home with me.  I remained in a state of shock thinking it was just a dream.  Even after October 31st (the last day of work for all of us) came and went, I was numb with shock (no I did not finish all of the contents of my bottles that weekend, nor did I imbibe continuously).

I finally began looking at things with open eyes (after using my already soaked handkerchief to dry my eyes).  I knew that due to my health I would not be able to get another regular job until I could regain more of my stamina lost from my chronic illness.  I also watched the unemployment numbers soar both locally as well as nationally.  To say I was scared is an understatement.  I had already considered the possibility of my needing to do freelance writing as my physical condition worsened.  But I never anticipated being thrown into it.  I mustered every ounce of focus I could to put things together.  I began by making the decision to start my own business and become a freelance writer.  I then set about reading and studying and putting money into the things I would need to help me along the way.  I even went to a writer’s conference in New York City (Oy vey, what a trip).  Some writer friends shared links to sites where they bid for jobs.

I took an online career test to help me figure out my direction.  The test determined I should be a writer or work in a museum.  I thought, why not put them together and write about museums and historical events.  I laid it all out in my head and then on paper.  I knew the types of magazines and publications I could submit to.  I bought a small camera outfit to add photos to my work for better sales opportunities.  With the help of a friend (the best graphic designer any where.  Just check out my website and other blogs to see her work) I set up my website to begin “pimping” myself out.   I was going in the right direction.  Then I came to a screeching halt.  I realized that I didn’t have a clue about how to get to that place I wanted to be.  I attempted to ask those who have been in the business on a large scale for a long time and was pretty much shut out.  Two even said they would help me and make an appointment with me to just sit down and talk and then they avoided me like the plague.  I guess they saw that I have the talent and they felt I wanted to take over their jobs and clients.  Oh well.

As time has worn on in my endeavors I have grown more and more discouraged.  It doesn’t help when I see those I know with jobs and making an income complain how much they hate their jobs.  I would love to trade with them.  It seems that those who complain about their jobs get all kinds of sympathy from everyone else (I am speaking of status updates on various social networks).  However, when I have made comments voicing my frustration and discouragement from being unemployed and the lack of prospects, I get met with short, bitter statements like “move” or “get over it princess”.   Then there are those who pose questions and when I answer them in a realistic manner (not saying I am giving up totally) they make it sound like I am saying I am doomed and will find nothing.  It seems all of the advise and “encouragement” is coming from those who have at least one household income, their health and continual moral support and encouragement.

Doors get closed (some in your face).  Opportunities fizzle.  Unemployment funds run out.  Bank accounts dry up.  Desperation sets in.  Some folks turn to robbing and conning to get money to pay their bills and put food on the table.  Others take what little money they have and “invest” it in the lottery.  I have been tempted at both of these.  Especially seeing the billboard which brags that the Power Ball is up to $30 Million for the week.    The former, I blew off steam by IMing a friend that I am considering white-collar crime.  Then I can be sent to prison and have my needs taken care of and just spend my days writing.  I even jokingly posted a status update asking if someone could teach me how to get rid of my conscience so I could indulge in criminal behavior since it pays better than being out of work.  I can understand why people turn to this kind of behavior, but I don’t condone it.

The only thing worse than trying to find work during a recession would be to try to find work during a depression.  That is economical or emotional.  So what is one to do in this situation?  There are the optimists who would say to make some lemonade out of these lemons.  Then the pessimists who would tell us to just stay in bed it will never work out anyway.  Cynics?  nothing matters anyway, so why bother.  Nothing I have covered is news.  Well, perhaps you didn’t know about my weekend binge.  I am venting my own frustrations of not being able to get a viable job in the middle of a recession.  Yes, I said middle of.  I know the President and all his mouth pieces have said the recession is ending, but when you have no job and none in sight it is like trying to see the end of your car while driving in the middle of a fog in East Tennessee.  You can’t see that far.

Health Care ~~ Health Disaster

For more than a year, since Mr. Obama began talking about health care reform on the campaign trail, I have listened intently with what he had to say. Half in hope, half in caution I drank in the speeches and listened to all the flowery, sweet-smelling words. Having dabbled in politics years ago and from just being an American citizen, I know better than to put full faith in promises made on the campaign trail. I had to reign in my hopefulness a bit, but I did hope.

Older than his run for the White House is Mr. Obama’s push for health care reform. In fact, this has been his passion from his days in the Senate. It seems that he has had a strong desire to improve a basic need of the citizens in this country. Looking back over Mr. Obama’s past speeches I found that he has mentioned America’s need for health care for at least the past three years.

As president of the United States, Mr. Obama found firmer footing to build his health care reform platform. He met with much opposition and rumors as to the actual truth about his proposal. One of the more prominent rumors was that the proposal was designed to euthanize the elderly. I am not given to follow idle rumors and chose to listen to the words of the one laying the plans.

My hopes continued to grow each time I listened to the president’s speeches addressing healthcare reform. All my adult life I have had health insurance through the jobs I have held. Mostly I would use this insurance for regular check-ups and examinations on the occasion I would become ill. In November 2004, I first presented with the chronic illness of Meneire’s Disease. For the first time I needed full use of my purchased health insurance. Instead of my insurance being a useful tool, it became a source of stress.

Working for a company with less than 20 employees each year our medical co-pay increased drastically. Only a handful subscribed to the insurance and only one of those had a chronic illness. I became downcast upon reading the memo from the insurance company that the reason for the increase was over use to the medical insurance in our company. I and the others knew who was to blame. My response was that it just doesn’t pay to get sick in this country.

October 2008, I lost my job due to the recession. I was given the papers to apply for the standard COBRA insurance that is offered to all insured employees who lose or leave their jobs for whatever reason thereby losing their medical insurance as well. This insurance is generally much more expensive than what one has been paying especially if the company has been paying part or all of the insurance coverage. On top of the added expense a person is expected to pay the fees minus the income they have been accustomed to receiving.

Unable to afford the cost of this insurance I began shopping around for insurance I could afford. My biggest obstacle is my pre-existing condition. All of the insurances are pretty much the same ~ buy the insurance for a year without them covering the pre-existing condition and at the end of the year they will let you know IF they will cover said condition. Chances are if you see a doctor or purchase medications regularly (which you do with chronic illnesses) you will NOT be covered after that year. Then you have wasted a year and all the money used to purchase the insurance.

Thanks to the wonderful world of the internet I have friends all over the world. Over the past eleven months I have chatted with them and on occasion mentioned that I had to cancel doctor appointments because I couldn’t’ afford to go. Those who live in countries with national insurance coverage couldn’t understand why I couldn’t afford to see the doctor. I would explain that our country doesn’t care enough to provide decent medical care for its citizens.

Several years ago I was classified as indigent and treated at the Health Department. We do have one clinic in town for those without insurance which charges on a sliding scale. However, they have a three month wait to see a doctor. At the Health Department the doctor refused to provide medication for my asthma, told me I had an upper respiratory infection and gave me a flu shot. No antibiotics or anything else to treat the infection. I got sicker until I passed out in congregation. A nurse and doctor in the congregation came to my aid. They were both appalled that the doctor would give me a flu shot while I was ill and not provide medications to get better. While I applied for TennCare at the time, I was denied the insurance. Since I was ill, I let the matter drop. Months later I was told by an employee at the Health Department that everyone is denied when they first apply. It is only in appealing that TennCare is granted.

Incidents like this are why I have been in favor of Mr. Obama’s health care reform. However, I changed my opinion when he addressed the Senate on September 9th. I originally planned to write this the day after, but came down with the flu and was in bed for several days. However, while I watched the speech I became doubtful and yes, even angry.

Mr. Obama and the others putting this together, in my opinion, are looking at it from the point of view of those who do not have a chronic illness and have never had to make a choice between purchasing their needed medications or groceries. The way I am reading this healthcare reform, it has way too many holes in it to be of good use to those who could truly benefit and need coverage.

It is my understanding that Mr. Obama wants to make medical insurance mandatory for all citizens the way auto insurance is mandatory for all drivers. To me, this is one more way the government is trying to control the citizens. If you can’t afford the insurance, you can get a waiver so you don’t have to have it. How does this help when many of those who can’t afford the insurance are the ones who really need it?

One big issue for me that Mr. Obama talked about was the coverage for pre-existing conditions. Again, Mr. Obama and his people don’t have a clue what they are doing or saying. Yes, he may make it illegal for an insurance company to deny coverage due to a pre-existing condition, but that doesn’t mean that have to cover the condition. I have been on this road for almost a year now and I am not buying what he is selling.

The United States is one of the richest countries in the world and yet she can’t take care of her own people. There are government employees, at all levels, making at and below poverty level. Wealthy celebrities go to other countries to adopt poor babies to give them a “good” home instead of adopting poor children in this country. I would love to see things come together to show that the United States government really does care about ALL its legal citizens. Right now, from where I stand, I only see the rich getting richer; the poor getting poorer; the healthy remaining healthy and the sick dying.