I’m grumpy today because I’m not feeling well and haven’t been for…well, far too long. The migraines are getting more frequent again, and more of them hurt instead of just making me stupid (thinking through sand) and hypersensitive. The allergies are taking a different tack this summer. I can breathe through my nose, and I’m content to leave my eyeballs where they are, but I feel as though I’ve been wandering around with about an extra twenty pounds of weight strapped to each ankle. I am so tired it hurts to have to stay awake sometimes, like after taking a shower in the morning. I’ve been working from home more so I can nap. And now my temperature is going wonky. To be fair, it does that whenever I’m tired or slightly sunburnt or….
It’s time to do something, which means going to the doctor. The old OTC antihistamine is no longer doing what it must. The class of antihistamines that works best for me isn’t available OTC in a 24-hour form. The migraines have been successfully treated in the past, but only with drugs that are only available by prescription for a very good reason.
On top of that, it’s time for another MRI of my heart. Oh, yes, and a new antibiotic prescription so I can go to the dentist without pushing myself another step closer to a valve replacement. Time is already doing that for me, but no need to hurry things along. I’m hoping the original will last until Medicare kicks in.
Thing is, there’s nothing acute wrong with me (as far as I know; the static can get pretty loud sometimes). Everything I have is a pre-existing condition. Everything but the allergies dates back at least to my teens. Arthritis included.
This is kind of a big deal. HIPAA’s got me covered somewhat, but needing to maintain constant coverage limits what I can do. My husband and I can’t start a business together without being absolutely certain that we can afford the exorbitant prices of individual coverage, assuming a carrier will cover us. I can’t pursue writing full time, or him photography, without being sure we can afford COBRA if something happens to the other’s job. We also have to be prepared for something happening to both our jobs, even if we don’t take any entrepreneurial risks.
I can’t experience a gap in coverage (neither can he), which means we are hostage to the highest priced insurance plans in the U.S. If I do, if I can’t afford that insurance, none of the crap I have to deal with will be covered for a year. Any treatment I might need, including open heart surgery, would be mine to pay for, even while I was paying for insurance.
And after all this, I’m relatively well off. I just hurt every day. I have a flexible job, so my health doesn’t keep me from being a good employee most of the time. Other people lose jobs because their health makes them not unemployable, which would give them access to Medicare, but undependable, which gives them access to nothing.
Like me, a lot of these people have little or no control over their conditions. They didn’t ask to be ill and marginally employable and uninsurable. Anyplace civilized, they wouldn’t be punished for the accident of their health while insurance companies rake in profits.
This is why we need health care reform and, more specifically, health insurance reform.