Tag: #obamacare

Health & Healing

The loss of my job in January was bad enough, but it was insult to injury after I got the message from my states ACA program that my insurance premiums were going up by 160%+. It worked out to be what I managed to scrape together and save from refinancing my only tangible asset, changing my insurance and phone coverage. I wasn’t worried. I began to believe the fear mongering by the press about how the ACA subsidies were expiring at the end of the year were going to double or triple our premiums. It made 160% not as horrible as it could be. Fast forward to the beginning of this month and I checked to make sure my autopayment cleared my card and the cost was $1,500+. That was a 300%+ jump in the premium., or close to 500% jump total. I’m still shocked…terrified…bewildered…dumbfounded…pissed off.

The bureaucratic two-step I’ve been doing to get my money back and set up the state funded medical program has been intense, confusing and frustrating. I’ll admit, I do have a mental block when it comes to stuff like this, it’s a lot like figuring out taxes for me. I hate it and need it and it’s written in legal double speak and I allow it to confuse me. I try to push through, but by the time I get to the end of the paragraph I can’t remember what it was talking about. I’m assuming it’s willful ignorance, but I don’t know how disengage my will. I’ve filed a complaint to get my money back and I’ve set up my state funded medical which will be available to me 1 April 2026.

Not a moment too soon, either. I thought I was suffering from sinus issues because of my nose clogging and my face hurting due to the pretty, pretty trees in bloom but it turns out it was more. I didn’t check to see if it was COVID because it didn’t go into my chest. But this messy, goopy, sticky, blood stained mush came out of my nose when I could get air through it to breathe. I power-washed my sinuses regularly with my battery-operated neti-pot which I think saved me. If I were working, I would have taken OTC meds and powered through but it was nice to stay in bed, literally for days and sleep and allow my body to heal. Today is my first day out of my room and I’ve been off all meds since Monday. As much as I love Nyquil and Dayquil they don’t do my body any good. So, yesterday my body forcefully ejected the unused or unnecessary portions of the meds from my body and, honestly, I feel five pounds lighter.

What made the recovery a little easier was knowing I could take my state funded medical card to an urgent care or emergency room and get help if I needed it. It’s just a fact of life, when you don’t have insurance even a benign common cold creates the most uncommonest of scenarios in your mind about death or drowning in debt. People who are against the Affordable Care Act, I believe, have never had to decide to wait out chest pains and hope it’s not a heart attack or go to the emergency room and not be able to cover rent. I have. And I have to say, jumping through the fiery hoops of bureaucracy is better than betting your life to make rent.

Once Bitten…..

There is a scripture that talks about a child being able to put his hand in the den of asps and not be harmed.  This of course is Isaiah divining the peaceable kingdom to come.  I know we aren’t living in the time of peace and harmony so why do I still stick my hand out to be bit every time I talk to Mom?  She is convinced that I truly do not earn my keep, at least not the $12.33 an hour I’m supposed to work for her.  I’m working from home today and she’s already planned blood draw and then her social worker is coming over which will more than use up the allotted time I’m supposed to work per day to “earn my money”  but it’s not cleaning house, it’s not doing her laundry, it’s not feeding her birds, it’s not slaving for her.  She wants unconditional love, unconditional devotion, and unconditional willingness to be kicked in the gut when she needs someone to hurt as much as she does so she has the illusion of control and doesn’t feel alone.  Where I want to hurt myself in those situations she wants to hurt other people.

I know that, I’ve know that she’s angry and scared and is having problems adjusting to the inevitable.  I know this then why is it it hurts and tears at me when she says things like “Well, it’s not like you’re earning your money.  I could probably cut your hours back so K can work full time”.  I know she needs and wants to keep me on “the payroll” because she’s afraid that if I didn’t need my medical so desperately, I would quit her and leave her alone to die.  I think that’s what she has always expected her whole life, that she would die alone because her family doesn’t love her, that she is unlovable.  She’s convinced herself her parents and siblings hated her, and if even half of what she has told me is true, it is probably the root cause of all this, her husbands have abused her, cheated on her (or so her expanding memory keeps telling her), her grandkids (except for one) hate her and she doesn’t know why, I’m only here for the money and benefits.  I can’t seem to change her mind on that.

The bright side to all of this is the medications are working.  I know they are because I’m not ranting about her, knowing that if I keep going on and on about how I do my job would send me into an emotional maelstrom and I would dwell on it for hours if not days.  I might still pick it up from time to try to figure out what do but I’m able to divert my thoughts when I realize I’m starting to spin before I’m out of control.  Amazing what happens when you take your pills every day.

The angry person that I am wants to tell her what she can do with her $12.33 and comprehensive benefits and put them somewhere the sun doesn’t shine.  But honestly I couldn’t afford to pay for COBRA and also lose the pittance of a paycheck that I get from my second job.  Heaven knows I’m not able to afford everything else with my first job.  Pushing the anger aside I’ve been able to think clearly enough and realize that going without medical is no longer an option in the US, and ways have been provided to help those of us who can’t make their ends meet.  So, what this means to me is that I don’t have to work for her any more, I can be her daughter, do what I am emotionally and physically able to do for her and take back the control I need for my own sanity.  I know, I know, control is an illusion, no one has control.  Despite that, I need to protect myself as much as possible as she starts to deal with her own end-of-life issues I want to be there with her and I want to help her and prepare her but not at the expense of my own sanity.  If anyone is going to drive me over the crazy cliff it will be me.  I am the mistress of my own fate.

So this gives me a whole new list of things to do:

  1. Contact Covered California for help in figuring out the system (done)
  2. Get the cost of COBRA
  3. Sign up for VHP but not on Medi-Cal.
    • Medi-Cal patients are treated differently than VHP participants.
  4. Assign my hours over to K and then quit my job as Mom’s “caregiver” and then start taking care of her as her daughter.

I doubt she’ll stop trying to hurt me, but at least she might have to think twice because I’m not getting paid to be her personal walking and talking Damnit Doll.