1.19.2009

The irony is killing me, literally

Well, my back, anyway.

I can't afford to go to the chiropractor. Why?

Because my health insurance premiums are too high.

Let me repeat that.

I can't afford to get my health taken care of because the health insurance premium I pay each month to keep me and my family healthy is so out-of-the-park expensive compared to our income that I can't pay the out-of-the-park expensive co-pays.

Of course, if my child is peaking a fever of 104.7 then $30 is a small expense compared to her well-being. If I am doubled over with a spine as crooked as a Chicago politician, then OK, $30 it is. But if Mama is feeling a little stiff, it hurts when I move my neck like this, and there are knots the size of walnuts across my shoulders, then $30 is a bottle of milk, a loaf of good bread, and an afternoon at the skating rink with my children. I can keep my neck immobile while performing a perfect pirouette, no problem.

Now, some could say, stop yer gripin', at least you have insurance. I know, I know... don't get me started on that subject. I think it is despicable that families are having to decide if that fever of 104.7 is worth a trip to the ER or if they can just ride it out with some Tylenol and a bath. But that's not my topic today. The bottom line is, this insurance business is a bunch of rotten broccoli: touted as an essential anti-acci-dant but not worth one penny of what you actually get, and leaves a really bad taste in your mouth.

I went back to work for the sole reason we needed health insurance. My husband's employer offered it at an insanely high rate. My place of work offers a more reasonable premium (and when I say reasonable, I mean, are you freakin' kidding me?). I don't want to be working but I also don't want my children (or my junk-food lovin' husband) to be without insurance in the case of an emergency. So everyday I tear myself away from my writing to go sit in a dank office with a office mate who talks into the phone as if the person on the other end is actually at the end of a can and string in Alaska just so I can, after paying the insurance and daycare costs, bring home approximately $3.53 a week. Does that make ANY sense?

Stuck. I have to stay at work in order to get "affordable" health insurance which we don't use on a month-to-month basis because we are essentially healthy, can't use because we don't have $30 for the co-pays, but can't lose because it is insurance for an unknown future.

So, today I am eagerly awaiting the "crowning" of our new leader. I am not expecting miracles from him, just a little more judicious policy-making... and a nice deep muscle massage for me achin' back.

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3 comments:

strangedolls said...

You guys really need to look into Catamount health insurance. The amount you pay each month is based on your income. You can download the forms online.

joanna said...

we don't qualify, but thanks for the suggestion; believe me, we have researched everything!

Courtney said...

My insurance rates went up so much that after my "cost of living" raise I am making LESS than when I started my job (it's only been a year, granted)....fucked.up. I feel for you!