I will keep writing about this because I am one of the lucky ones. I will keep screaming about the system’s inherent abusiveness because I can and I must – for all those who are sicker, less financially solvent and don’t have a forum in which their voices may be heard.
Nearly a year ago, I wrote this post, recounting the stress of divorce compounded by unexpected health news of the unfavorable kind. After being diagnosed with Stage 2A cervical cancer, I learned that I was considered persona non grata by prospective health insurance providers until I was in remission. At the time, I received the core-rattling news that none of my women’s health needs would be covered for 3-5 years, or until the part of Obamacare that forbids insurance companies from playing pre-existing condition roulette with people’s lives takes over in January 2013.
Since I wrote the first post in this series last year, a few important events have occurred:
- I underwent a successful procedure in June, 2011 that completely removed all cancerous cells from my body – no chemo or radiation required. A six-month checkup in December found no evidence of irregular growth.
- I have since gotten into the healthiest shape of my life. I was already no slouch in the exercise department, but have taken the upkeep of my temple in whole new directions. I have learned, through therapy and hard work, to better manage stress. I am invested in a romantic partnership that brings untold levels of peace and satisfaction. I am more careful about what I put into my body and my approach to preventive medicine has changed completely.
- I am officially divorced, no longer on my ex’s insurance plan and employed full-time at a housewares manufacturer with great benefits.
As I have already indicated, I was fully prepared for my women’s health coverage to be excluded for 2012. Whether I think the situation is fair or not (not) is irrelevant. You know the saying, “it is what it is.” I was planning to bide my time, and though I am not religious, ask Mother Earth to keep the cancer at bay. My single-adult premiums on the new policy amount to $6,000 annually and while I felt forced into a “cross your fingers” strategy as pertained to the cancer, at least I would be covered under all other circumstances right? Wrong.
The new Big Brother in my healthcare decision-making world, a company that will remain nameless but rhymes with Dew Toss, Dew Field of Iroquois, has declared a blanket “pre-existing condition clause” that covers EVERYTHING for which I have ever been treated. Surprise! This clause runs the full calendar year, so I have the honor of forking over $6,000 in the event I am shot or hit by a bus (neither of which has ever happened), but if I need therapy (you know because I was depressed about having cancer), antibiotics, birth control or my first annual cancer screening – all of that must come out of my pocket. My doctor and I jumped through numerous hoops and made many arguments, to no avail. A girl who rides her bike 68 miles to work and back, under the age 35 with the bad luck to get a little spot of cancer last year, is reduced to nothingness until 2013.
And as we all know today, the conclusion above represents the best-cased scenario. Subsequent to the decision by a bunch of corporate bureaucrats that I am too risky for any sort of benefits, though my money is still welcome, a bunch of mostly old ,white men on the Supreme Court will sit in judgment of my fate beyond this calendar year. By June we are told, the ladies and gentlemen of the jury will decide whether to throw the baby out with the bathwater on health care reform, because a few hundred lobbyists and Tea Party crackpots chafe against the individual mandate portion.
So we can make car insurance as a condition of vehicle ownership law, but this is somehow different? Can they really declare that no part of the reform benefits the American people? What about the part where, I don’t know, insurance companies can’t refuse you access to ALL TYPES OF HEALTHCARE because you had a treatable cancer that was cured in one shot?
If the Supreme Court overturns Obamacare, I am out in the cold for 5 years, perhaps longer if an emboldened insurance syndicate decides so. I can’t believe this is America.
About the Supreme Court’s deliberations, the Daily Beast remarked in November of last year, “By agreeing to rule on the issue of national health care, the Supreme Court foolishly politicizes its deliberation process and needlessly damages its own reputation.”
But this is about more than a simple PR misstep, the negation of jurisprudence. This is about American rights and lives. I think I have a patriotic duty to protest my provider’s current right to kill or bankrupt me in the unfortunate event that my cancer recurs, or that I come down with the flu and need antibiotics and a short hospital stay. I want the Supreme Court to consider that with the same fervor with which they seem to regard a libertarian’s right to refuse health coverage when that refusal burdens everyone else.