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January 16, 2006

Bad Medicine

My only real problem these days is that I don't have any health insurance. Regina forwarded me this story the other day, and, let me tell you, I can really relate to senior citizens who are up against the health-insurance bureaucracy and the prescription drug industry. The Clinton Administration's failure to enact real health-care reform is a political tragedy, and a failure. But what's happening to health care now, like so much else in the Bush Years, feels like a criminal enterprise.

I know this first-hand, and I'm not even affected by the new Medicare law, or, as Janeane Garofalo calls it, the "fuck grandma up the ass bill." Instead, I'm currently waiting for Blue Cross California to pass judgment on my fitness for health coverage so I can have the privilege of paying them more than $500 a month. This is because I had a doctor in Austin prescribe me antidepressants a few years ago. They're waiting for the doctor to fax them "more information," though I doubt the information he'll give them is anything more complicated than what I just typed. Also, the facts that my wife had one little skin carcinoma and a benign cyst on her thyroid (sorry for revealing that in a quasi-public forum, Gina) somehow make us--non-overweight, organic-food-eating, yoga-doing, relatively healthy art yuppies in their mid-30s--risky investments for health insurance.

It's been like this ever since I quit my newspaper job more than five years ago. Premiums go up. Services get canceled. Hidden costs creep in and jack up credit-card debt. But we continue to take it from the industry, because if we don't, then if one of us gets in a car wreck, we're finished. It's almost too ironic to consider that if I died in a car wreck, my family would be secure for life, but that if I were only seriously injured, we'd be ruined.

Last year, our desperation got to the point where, before we left Austin, Regina slapped my cell-phone number on a website that offered "free health insurance quotes." For the next six weeks, I fielded at least two calls from shysters a day, always hanging up on them. Unfortunately, Regina also answered the phone. Like an old lady living alone, she is quite susceptible to scams. I guess that when I'm tired and scared, so am I.

I came home one day to find Regina engaged in serious talk on the phone, taking notes, nodding, and asking about prescription drug benefits.

"Neal," she said. "I want you to talk to Charles."

"Who's Charles?" I said.

"Just talk to him."

Charles, as it turned out, was a salesman for a "medical savings plan" company, and he could promise us great health coverage for under $300 a month, plus a small enrollment fee. He told me that if I was unsatisfied with the service, I could get all my money back minus the fee, though he told Regina she could get the fee back as well.

He ran down a vast list of benefits and "discounts." He gave me the name of a Texas life-insurance company that was underwriting the policy, and of a professional association that was sponsoring it, along with another company in Connecticut. Before I knew it, he'd sold me, and I was talking to another guy for "verification," or, as it's known to non-suckers, "giving your credit card number to a stranger over the phone."

As the days crept by, I began to realize that I'd been had. The companies he'd named to me existed, but none of them had any connection to one another. Research into health insurance scams turned up several examples of what I'd undergone, and I really started to feel like a rube.

I made calls, but suddenly my questions got turned over to a "benefits center" in El Paso. I left repeated messages for a nameless "supervisor." Upon calling the original "registration center" to complain, I was told that neither the salesman or the verification man worked there anymore. Instead, I was referred to someone whose email was aid@customeraid.com, and she didn't have a voice mail. The guy who answered the phone after 40 rings now told me I could get a full refund, less 40 or 50 bucks. The customer aid person said they'd send me a "paper check," which was a "new policy," but they never bothered to ask for my address.

After much screaming to various customer-service representatives, I got my bank to stop payment on the original fee, and to block any more deductions from the company. I filed a fraud complaint, which the bank is currently investigating, though I have a suspicion that my stop payment will be overturned, prompting another battle.

The moral of the story is that I'm an idiot for getting scammed, but it's also that stories like this indicate that the ranks of the uninsured in this country are growing. We are a healthy middle-class family, and we can't get coverage. What about the people who actually have health problems, or who really couldn't possibly afford an emergency if it occurred? How many of them are currently on the phone with their "medical savings plans," trying to get answers? Who will speak for the people who, unlike me, don't have the time, energy, or resources to battle evil, opportunistic health-care scam artists? How many people like me are out there?

This is health care in America. The center cannot hold.

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Comments

Big Will, a couple of things. Forgive me for making some assumptions, but -- unless you know Neal personally, which I'm assuming (perhaps wrongly) you do not -- you are making some pretty big assumptions about him. (For one thing, you are assuming he has a spiritual problem. How do you know he doesn't have a chemical problem? In which case a chemical problem might be just what is in order.)

(1) Taking a pill doesn't make everything better for everyone. It does make everything better for some people. And it certainly makes some things better for a lot of people. So -- nothing personal, Big Will, but -- just because antidepressants didn't work for you doesn't mean they're wrong for everyone. (Conversely, just because they're right for some people doesn't mean they're right for everyone. Okay?)

(2) What do you mean, Clinton set up the "alley oop"? Were you paying attention? Do you remember the Clintons trying to pass united health care? What the hell are you talking about? I am so tired of people trying to say that Bush = Clinton or Clinton = Bush. It's not true. The Democrats only moderately screwed over the lower classes under Clinton (with, remember, a Republican House and Senate). The Republicans (with a Republican House and a Republican Senate) are completely screwing over everyone with an income south of a million a year. Let's keep things in perspective, huh?

You are forgiven for making assumptions. I make them all the time. I'm making some right now.

First, if Neal has a chemical problem, then another chemical problem would equal 2 chemical problems, as opposed to one.

Second, I have never met Neal, big surprise huh?, and anything I say in reference to him you must take with a grain of salt. A gallon size bucket of Morton salt. You should actually take that many grains of salt with everything I say, since I'm merely stating my opinions in hope of getting others to state theirs.
I've read nearly everything he has written, but he got out of Austin before I had a chance to get back down there.

Third, I never said that Bush=Clinton. God no. I have a little respect for Clinton.

I've only been sober for going on three years, so as to the exact specifics of Clinton's presidency, I can't even pretend to be educated enough to debate you on. My brain was in a black vortex, and you might agree that it still is.

United Health Care=what happened then? Social security, (waiver), from the best of my knowledge, has never been a well thought out concept. I believe the idea of supporting our older citizens is a good idea, but the social security moniker might have to be revamped with more improved specific if=then notions.

Durr. I meant to say "In which case a chemical solution might be what's in order." Not another chemical problem. I should never post comments late at night. Or in the middle of the afternoon. I should never post comments, really.

I hear what you're saying, BW, but I think you might be over-reaching in your assessment of other people's situations based on your own treatment or lack thereof. I know many (many) people who appear to have been greatly aided by the careful application of antidepressants. Shaken, not stirred.

A chemical problem + a chemical solution might equal equilibrium, not two chemical problems. That's the only point I was trying to make. Some people actually have minor imbalances in basic brain chemistries, in which case if they (under a competent doctor's supervision) add a little more of this or that, they get back in balance.

Unless you're a Scientologist, I guess. Then you just need to consult the books of L. Ron Hubbard and presto! you no longer need medication.

I strongly believe that for some people, antidepressants are literally lifesavers. And even when not literal lifesavers, they can mean the difference between leading a productive life and not wanting to get out of bed in the morning.

Okay, I'm done. I doubt that I'm going to convince you. But congratulations on staying sober for close to three years. That's not an easy thing to accomplish, for anyone.

(BTW, IANAD, YMMV, etc. And none of my comments here are meant to reflect in any way on either Neal or BW, since I don't know either of them. I'm speaking in generalities, of hypothetical people "out there somewhere." But still.)

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