Dental is Not Medical?

I’m sure 4 out of 5 dentists would disagree, Group Health.

 

Health insurance and I have always had a thing.  I don’t really know how that got started, but here’s a quick run-down:

-Before I was 24 (I don’t remember exactly how MUCH before now) my parents yanked me off their insurance early and without any warning.  I think they did this because they had just found out I was gay and were acting homophobic, and to a lessor extent felt I was acting entitled and wanted to save their money.

-Not knowing what to do, and not having the means or motivation, I remained uninsured.  My veterinary hospital job (a small, privately-owned business) of course did not offer insurance.

-During this time, I went to the school medical center where they told me I was too late to get sutures (did nothing for me) under my mandatory student health fee.  It was the only time I utilized my student health “privileges.”  I can’t remember how much it added to my tuition every semester.  When I needed rabies vaccinations they were not covered by my health fee and I had to pay over $300 out of pocket because I wasn’t in their vet program–I think their classes get vaccinated as part of their tuition.

-Also during this time I had to go to the Emergency Room on a Sunday.  I received an IV, anti-nausea injection, and had a brief conversation with someone who charged me $1200 for less then 3 minutes.  I was also charged $840 for emergency room type nickle and diming fees from everyone and their brother who was within a blocks radius.  Which of course I could not afford on my practically minimum wage vet assistant salary.  Though they said they didn’t accept payments, I created my own payment plan and paid $100-200/month until the bill was paid off.  They do not send you to collections if you pay on it consistently.

-Other then that I never went to a medical doctor.  I got glasses & contacts on CareCredit and went to the dentist with my own money.  I paid for my own Invisalign on CareCredit as well.

-For the first time ever, a veterinary job (in Seattle) offered me health insurance as part of my benefits package.  I was dismayed to find out how much my “benefit” would cost me monthly and tried to revoke it.  I can’t remember if they took away my health insurance, paid it themselves, or gave me a raise to pay it.  And I only lived in Seattle for a year, so if I had insurance it wasn’t for very long.  And when I went to the dentist there, I had to pay anyway, because if I had a plan, that wasn’t on it.

-I never went to the doctor or had any health problems during this time either.

-By the time I moved HERE I had already been without health insurance for a long time.  And didn’t have any conditions, prescriptions, or problems, so I didn’t really want to pay for it.  When my job “offered” it I was wise to the me paying for my own benefit scenario and refused.  They were very worried about liability so they gave me a “raise” in order to force me to be insured.   I thought since I had it, I would try to utilize it to get my money’s worth.  But the only thing I really use it for is teeth and eyes.  Group Health covers neither.  But they do cover acupuncture and chiropractor visits (in full).  So that makes sense *sarcasm* And when I called the gal on the phone had major attitude and treated me stupid for thinking dental WAS medical.

-I got glasses using my insurance.  And it was cheaper then when I had paid for it all on my own using the CareCredit card.  The exam and service was hardly outstanding though.

-As soon as I talked about going part-time, my employer yanked away my health insurance.  They did this before I actually went to part-time hours.  The manual said that to be considered full time you had to work that amount of hours for 60 days, so I figured it would be the same going from full to part time as well.  It was not–at least for me.  AND  even though I had anticipated 30 hours b/c our employee manual said 30 hr was considered FULL time, and I mostly wanted to keep my vacation time, but the insurance didn’t hurt.  When I brought that up, they said the employee manual wasn’t a CONTRACT and they were now considering full time MORE hours, (so I couldn’t have that status).  BUT  the receptionist who works exactly 30 hours (only because she works through every lunch and gets paid for it) still got to keep her vacation time.

-My boss then had the audacity to try to pressure me into finding private insurance b/c she couldn’t imagine being uninsured and it was a liability. . .

-During this time I never so much as got a cold and had no need for medical attention of any kind.

-Later when the 2nd vet got divorced and needed health insurance, it was granted to her even though she worked a maximum of 29 hours a week, and that’s being generous because she constantly strolled in 8-8:30 AM (late).  So I guess it’s not the number of hours but WHO YOU ARE at my last job to qualify for benefits.

-When Obama was proposing mandatory health insurance and comparing his plan to Canada’s system, I was fully behind it because Canada knows the story.  Even when work began to fret about the changes, I thought–good now they will HAVE to pay for my health insurance, serves them right for playing so dirty.  But it didn’t happen that way at all.  My job is another small business so they were exempt–I was again on my own.

-I was a part-time student and they made student insurance ONE credit over part-time status.  I was in a loop-hole, and I felt Obama mislead me.  This was not like Canada’s system at all!  This seemed to me like coercion to get healthy people to pay into the system in order to expand benefits for people with preexisting conditions.  And why should I (already near the poverty line) have to pay for other sick people when I am healthy?

-But I am a rule follower so even though I disagreed I tried to see my options.  I applied to Medicare.  Even though I am a part-time student and part-time employee, I was not poor enough to qualify.  Again–who would be if not people like me?  So I checked into my state’s funding for Medicare rejects.  They have a discount program for people of low financial means that are not quite low enough to be considered poverty.  And the news?  My cheap insurance would be catastrophic coverage ONLY (no check-ups, prescriptions, co-pays, nothing at all unless I suffered some tragedy) for a mere $210/month.  And the offers went up from there.  I checked into my other options and I would be looking at $250/mo–at least.  And that’s if I didn’t want anything.  If I actually wanted anything back for that money it was sky-high–I’ve repressed the numbers b/c they were so horrible.

-I have still not had any sort of medical attention, or had so much as a cold (thanks sleep schedule and Zicam!) since I’ve been off health insurance.

-It’s all I can do not to scratch eyes when Planned Parenthood is touting the benefits of the new healthcare plans on Facebook.  And everyone who likes it writes it’s because they have such-&-such condition and now they can get healthcare!  Paid for healthy people like me forced to pay into the system, but that don’t actually use it.  Sounds a lot like redistribution of funds (from healthy to sick, no matter the income) to me.  So I can see the comparisons to socialism–and I am not for it.  I can’t afford to pay for the medicare of some old, sickly smoker. . .

And so that was a little longer story then I anticipated explaining how:

a)  Obama misrepresented his plan and I stupidly voted for it

b)  I got stuck in a whack loophole

c)  insurance companies and greedy bastards

d) employees of small businesses (vet hospitals) are screwed

e)  Cat’s Meow is shady with their benefits, and I’m glad I don’t work there

f)  dentistry is for reasons unknown is not a medical profession

g)  I am willfully uninsured

h) now that I wrote this jinxy post I’m going to get hit by lightning and require a bunch of emergency medical attention.  Hopefully not–but if I did I would try for Care Credit or make small payments. . .

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Birth Control as Cure-All

Before we had sound medical science alcohol was used for a huge number of ailments.  You name it (disease, disorder, mental conditions (including “female hysteria” aka woman’s orgasm), and even surgery– alcohol was used to treat it.  More examples here:

http://www.barlifeuk.com/index.php/2011/07/drink-to-your-health-the-history-of-alcohol-as-a-medicine/

But then, research uncovered FACTS and we moved away from such rudimentary practices.  Or did we?  I would suggest, for as many good, and legit reasons birth control pills are prescribed there are just as many reasons that fall into the cure-all b/c we don’t know and don’t gave a damn about finding out category.

Don’t get me wrong here. I am very happy birth control is so widely available. I’m glad it gives women control over her own body and child-bearing decisions.  (All stats from Planned Parenthood–an organization I SUPPORT).

-majority of women believe birth control allows them to take better care of their families (63%), support themselves financially (56%), complete their education (51%), or keep or get a job (50%). The financial success and emotional well-being of women are undoubtedly tied to contraception, while unintended pregnancies put a financial strain on everyone. The cost of unwanted pregnancies in the U.S. average an estimated $11.3 billion per year

– Oral contraception can cost as much as $1,210 per year for women without insurance

– 40% of births are unplanned. Birth control not only empowers women, but considering only 5% of men around the world even wear condoms. . .

-ugh–what a yucky stat!  I think the world should focus on the condom instead of how to get more and more BCP out there.  Condoms help prevent STDs too (AIDS!!!).  A lot of unintended pregnancy would be averted if men would take responsibility too.  Plus, it isn’t good enough to force women to have children, make it impossible for her to plan her own choices, AND put the whole burden of sexual activities consequences onto her.   This leaves men to enjoy as much sex, with as many people as possible–with no worry of consequences.  Then, if there IS an unintended pregnancy HE has the choice of how much involvement he wants to have.  Finally, at the same time men don’t have to think about sex, or be responsible for it’s aftermath, THEY get to make the laws regulating women’s access to preventative methods and what she does with her own body.  Tell me how everybody doesn’t see reproductive issues as political power issues?!

That was a train (though a very important one) away from my actual point:  The point is, birth control for women’s freedom and family planning is good.  It’s liberating.  It gives women power, and that is excellent BUT I think it can be lazy medicine.  I think it is haphazardly doled out as a band aid fix-all. Cramps?  Get on the pill.  Acne?  The pill.  Irregular periods?  The pill.  PMS?  The pill?  You’re a woman?  It’s too complicated to delve into what the underlying cause of your problem might be.  Besides, all the research is done about MEN’S problems.  The research funding goes to impotence–there’s no $$$ left to study little menstrual cramps–that’s just part of being a woman after all.

That’s dis-empowering to women.

It’s not for everyone. And just like any Monsanto product, we don’t really know what it is doing to us in the long term. And I think now that would be very hard to study, because we’ve run out of control groups. Even in lesbian populations (not your primary birth control user) BCP are being routinely supplied for skin or period pain.

How we (Cool and I) got birth control pills:

–>for 1 day of extreme, incapacitating, horribly painful cramps once a month.

-w/o even an exam of the repro system.
-w/o BW
-no R/O
-even with a hx of hypertension
-in a lesbian–or without even asking sexuality

-33% of teens aged 15-19 and nearly 800,000 women who have never had sex, who use oral contraception for non-contraceptive purposes.  most common reasons why women use the pill are reducing cramps and menstrual pain (31%); menstrual regulation, which for some women may help prevent migraines and other painful side effects of menstruation (28%); treatment of acne (14%), and treatment of endometriosis, a condition that can cause pelvic scarring, severe pain, and sometimes infertility (4%). About 14% of all women use birth control exclusively for reasons other than contraception.

So it’s great that birth control can band-aid so many conditions.  But my questions are:  Aren’t there any treatments specific to those actual conditions?  Why?  And do we KNOW long-term affects of birth control use?  Against an equal control group who has not been exposed to birth control.  Do we know this information for the intended use for reproductive issues AND these extraneous conditions as well?

I suspect the answers are still a mystery and here are the reasons for that:

-it’s because the research/interest for women’s health just isn’t there
-a doctor’s (male-dominated profession) mentality “quick fix” “cure all”

And that’s not good for women at all.

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Things. . . Snowballed

I’m so funny–did you SEE that pun?!  But Sunday, I wasn’t really laughing.

Cool found an article about an EZ-123 pass in the area.  Four different ski resorts were participating and you could choose the one you wanted.  They offered, 3 lessons, WITH rental of all equipment (board, boots, bindings, goggles, helmet), and 3 lift tickets good for the whole day for just $79!  I thought that was a steal, considering the times I went snowboarding at the Tahoe resorts were in April (post-season, when snow wasn’t optimal) when lift tickets were discounted.  And lessons–forget it!  Unless you were with 4H or something, lessons were impossibly expensive in Tahoe, so I only had 1 ski lesson when I was 9 years old and part of the 4H ski club.  And when the rental places were hungry for ANY business after the season was virtually over, so you paid substantially less.  But still WAY above the deal Cool found.

And we are trying to get involved in a more healthy, active lifestyle.  And planning on moving to snow-sport country, Colorado.  And I’m trying to have a little fun in my life instead of all school-work-prepare drudgery.  So I was for it!  And I had a total meltdown on Saturday after work, which made Cool have a bad day, and that caused US to be completely out of sorts.  So we needed some fun on Sunday, and planned on going to the 10:30 AM lesson.

They want you to be there an hour early, and somehow we were running a little behind.  So we arrived in a sort of rush to make the class (you remember my lateness phobia).  We paid, got our passes, and were told to go to the last door for our rentals.  They fitted our boots and handed us the snowboards, and we hustled to the learning center.  Everyone else had goggles, and some had helmets.  I don’t know where they got those or how we missed them, but oh well–we made it.  And in Tahoe, helmets aren’t really a “thing” I guess because my friends and I never wore them, we didn’t wear them with elementary 4H, and I don’t think I ever saw ANYone on the slopes wearing one.  So though it seems like a safe thing to do, I wasn’t alarmed that we weren’t wearing helmets. . .

Our lesson had 12-15 people, mostly kids.  And kids learn quickly, have no fear, and jump right back up if they fall.  So it’s not a fair comparison to adults.  And I’ve never had official lessons, or really snowboarded, but I went 2-3 brief times with friends growing up, so I’d at least been on the snow–so I wasn’t a fair comparison either.  Cool struggled.  As you do as a 30-something learning a new physical task.  She needed to go slower, but she didn’t do any worse then expected for her very first time on the snow.  These things require practice, patience, heart–and good humor.

I was caught in between–trying to follow the speedy class, but also wait for struglasaurus-Cool.  The instructors kept telling me to do whatever, but I had to hang back and almost disobey because Cool would be waaaay behind and not know what we were supposed to be doing.  So I was pressured to be a fair bit below her on the hill.  And she crab-walked down one time, did some falling and crawling, so it wasn’t alarming to see her crumpled when I looked back at her.  But she might be hurt?  Cool normally has a very low pain threshold, and her anxiety kicks in making her a little bit of a hypochondriac.  So I figured she was just being a baby about a normal fall.  Or tired.  Or slow to get up, or frustrated and giving up or something.  I tried to motion to her with thumbs up vs thumbs down, but she only half-way responded.  And she was too far away to be certain what gesture she returned.  And one of our instructors looked to be talking with her, so I figured she was receiving some coaching.

Then, they were both walking down the mountain in the direction of the first aid center.  Uh oh, so I followed them in to see what was happening.  And I had to un-do my bindings and ditch my board, so I was behind.  When I got inside, 3 women and a man were securing Cool to a backboard.  Fuck!  Of course we should have gone back for the helmets.  Cool has a history of injury.  Her mom had been adamant that if she tried snow-sports she would break an ankle, and had tried to dissuade her.  She didn’t look terrible to me, but I wasn’t certain what happened.  I had obviously missed something. . .  The first aid was serious, I could see these people meant business.  And I frantically signed to her “money?!”  And tried to mouth, “How much does this cost?!”  But there was a lot happening and she was distracted and she said “Free.”  Which I was dubious about.  But who was I to step in and tell these people to give us a moment to discuss things?  The law does not consider me Cool’s legit family, and they could kick me out of the room all-together if they wanted.  So I had to just stand there watching and wondering and worrying.

They strapped her in, loaded her on a hospital bed, and began assessing her status.  Unfortunately, I had reminded Cool to take her 6(?) bipolar/anxiety meds before we went.  So of course, her pupils were dilated.  And her meds ALWAYS make her foggy headed so when they asked her to remember 3 items to evaluate head trauma–of course, she forgot the 3rd.  But that’s her normal.  I was still 90% certain she had just taken a normal fall–not sustained any severe injury.  And Cool is a passive petal.  If pressed strongly enough, Cool will just go with the flow, do what she is told, and think about what SHE wants or the consequences afterward.  That’s Cool’s normal as well.  So she was just being compliant, not really thinking about the finances, or what the backboard meant, or the things I was freaking out about.

After about 20 minutes, the 12 people (this was code red stuff) began asking if Cool had any family, or a friend or something) with her.  And right away she told them her mate.  Which, is our term for US because I reject the term “partner” because it sounds too business-like and stiff.  But they apparently, didn’t know what the hell she was talking about (more ammunition for the brain damage theory) and since we are not legally-anything, she had to say “girlfriend.”  Which I HATE.  We have so much more to our relationship then mere dating.  It’s a horrible thing to have to deal with gay stigma in a crises situation.

It made me really annoyed when they confirmed with me, “You’re her friend?”  And I was like, “Mate,” all exasperated.  The head doctor guy told me about the pupils and said Cool had complained of neck pain and wrist pain (and stomach tenderness, sore feet, as well as head-constriction discomfort) and they couldn’t rule out brain injury because of her non-responsive demeanor, pupil-size, and forgetting that 3rd word.  I tried to explain that was Cool’s norm.  This was just her personality and meds.  He said an ambulance was on the way, and immediately I said, “No, no, no, under no circumstance could we afford an ambulance ride–I can drive her.”  And he said 1)  She was on a backboard and was not getting off of it–he would absolutely not release her.  2)  He wanted to make ultra-sure she was OK (CYA) 3) tried to downplay the expense because she has health insurance.  To which I was like, what–health insurance doesn’t cover 100% and we were now looking at ambulance + emergency room + any diagnostics, not including any treatments if they were in fact warrented.  He persisted that he would not release her, but I could talk to the ambulance people and sign a liability waiver–which I said I would love to do.  But I knew I had no legal right and SHE would have to be the one to sign it.

Then, I finally was able to get within Cool’s vicinity (since the 100 people had dispersed, and people realized I was “legit”) to talk to her for the first time.  Cool was in invalid mode, with an oxygen mask and the whole bit and I leaned in and started telling her she had to speak for herself and deny the ambulance that was on its way.  I think it was the first time she realized where this injury was taking her, and the first time money really entered into her mind.  I felt like all the medical staff surrounding us felt like I was unsympathetic–but I know Cool.  I know her hypochondriac stuff, her finances, and how she doesn’t THINK until later.  And I figured if she was legit-hurt, I could drive us down the mountain and we’d go from there.  But I also felt like I had no legal right to step in.  As Cool’s closest relative–that this incident is going to directly impact–that felt awful.

An hour after the call, the ambulance arrived.  And they loaded Cool onto a gurney and arranged for me to drive her car along behind.  I was helpless.  I guess Cool decided she wanted to go to emergency on the ambulance–and if that’s what she wanted (despite the consequences) I had no right to say otherwise.  Part 2:  Emergency.  That’s tomorrow–stay tuned.

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Sounding Less Ignorant for NPR

I’m ashamed to admit my “news” source is Facebook.  And people I overhear–at work or at school.  Not the best for a 30 year old.  Also–I’m anti-politics.  I think anyone who gets that far “played the game” and is therefore dishonest and untrustworthy and phony to a certain degree.  So it’s weird I’m in conversations with NPR.  My mate, Cool sent some sort of e-mail response to the news group and now I’m almost famous.  Which is good and bad.  Good, because people like me–caught in-between a job and a career, poverty, and low-income, liberal and conservative–will have a voice,  I can tell the story of many forgotton people.  But bad too–because I am legit-uninformed, not politically involved, and fairly ignorant regarding laws, insurance, and politics at large.  In the interest of doing my segment justice, here are some well-thought answers to potential questions:

–>Aren’t I concerned about being uninsured?

Sort of.  It would be awful if I got appendicitis and had to pay for an emergency room visit.  It would also be terrible if my apartment caught on fire, my car was totaled, or one of my cats ate a string and required surgery.  I worry about a lot of things:  Paying my rent, keeping my car in good working order so I can get to work and school, keeping up with my undergrad loan payments so they don’t garner my wages, keeping my kitties fed, and buying groceries.  In my situation, any number of things can go wrong, so I have to prioritize which is most likely/relevant.  My health–since I have no previous or current issues, has to go on the backburner.  Plus, with health insurance, I do not feel like I’m getting anything back for my money.  I want exams or perscriptions, or something back in the short term for that $100/mo or $1,200/year that means so much to me.

–>What happens if you do have an emergency or health problem?

I pay it off.  Slowly.  I went to the emergency room before.  Certainly I could not afford it.  And no payment plan–other then “pay immediately or lose your good credit” was extended to me.  BUT I paid what I could each month–and the emergency room didn’t turn me into collections.  I made my own payment plan so to speak.  Just paid what I could on a consistant basis for almost 2 years.  And paid off my entire bill–my myself.  It’s what responsible citizens do.  I hardly expect government or tax payers to pay my way. . .  And for non-emergencies I just try to reduce my doctor visits, live wisely, and do what I can to avoid costly medical expenses.  It’s not that hard to sleep, take vitamins, and wash my hands rather than running to the doctor for every sniffle.

–>Haven’t I looked into my insurance options?

I looked into my options briefely.  I can’t say I have devoted an apprporiate amount of time on the issue, because my biggest priorities are studying and attending school and going to work–and when I’m not doing that I’m generally tired.  What I did find was what I deemed unreliable, politically-charged “information” or large sets of data that may or may not pertain to my specific situation to wade through.  It’s been frustraing and has made me feel very ignorant and uninformed about the whole process.

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Who Holds the Cards?

In a job–it’s mostly the employer.  Why do you think so many people aspire to be their own boss?  Sure, I could get a job almost anywhere my resume’ (and luck) allowed, but the rules AT the job–completely out of my control.  Employees are completely dependent on the whims of management.  It’s not as if I think work should be a democracy–that’s not it at all.  I think being wholly dependent is a bad place to be in.  I have never liked being up against a wall.

I was upset when my boss yanked away my insurance and changed the number of hours required to be a full-time employee (just for me?) seemingly instantaneously.  And it wasn’t really losing the health insurance–though lack of notice was crappy.  I never really used it anyway:  My wisdom teeth were paid for using Care Credit.  And the one medical thing I use–dentistry–not covered.  At all.  More on THIS in a later post.  So losing something I never used (or wanted) in the first place didn’t matter all that much.  Though maybe I should bite the bullet and hurry to get a new pair of frames since the last time I got glasses was in 2008.  Luckily, I was smart enough to get a huge supply of contacts while living in the (cheaper) Midwest, so I still have plenty of those. . .

Back to the injustice:  It wasn’t really the amount of hours to be considered full-time I had a big problem with. . .  Though I can tell you I will be unhappy if EVERY employee does not have to adhere to the new rules.  If someone doesn’t work the NEW amount of full-time hours, yet still gets any of the perks (vacation) of full-time it will make me irate.  It shouldn’t always just be me getting the short end of every stick around there.

What made me upset was more the realization that the Employee Manual was just an empty symbol.  This new decision, reached on short notice, rendered every piece of information IN the manual meaningless.  This deviation showed my employer would jerk us around at will.  Don’t get me wrong I knew she could, but I thought the Employee Manual offered some guidance/expectation/and security for both sides.  Because somehow employer/employee relationships seem like a war–or at least strategic game.  We are made enemies by forming the management/subordinate relationship at all.

But I spoke my mind.  Though confrontation makes me uncomfortable.  And when I get heated, tears come annoyingly to my eyes making me look like an unstable, overwrought ball-sack (thanks mom) and I HATE that, because it always happens when I feel strongly about something and want to convey it in a clear way.  Which that last run-on sentence was not.  Clear, I mean.  So I got (annoyingly) teary, but held my ground.

And surprisingly my boss not only listened to my concerns, AND reconsidered the timing of the changes, BUT also said she supported me and would listen (and has in the past) to my reasonable concerns.  She went so far as to tell me I wouldn’t get fired.  Which was surprising to me.  And I suspect untrue as EVERYone has their limit of what they are willing to handle (I know I do).  It isn’t like I think my boss would purposely go out of her way to screw me over–but I know she might do it unintentially.  Or because I’m last on her employee-priority list.  If it came to me and someone else–I know she’d chose everyone else’s will over mine–mostly because this has happened before *cough-summer schedule*

So that’s the newest story.  Which makes me all the more excited to accumulate all the education I can, so I can climb higher in employment, make more money, and move out of here.

And though there was no good place in this post to state a disclaimer–>I meant to tell you, my readers, that starting soon, I will post every other day, instead of the every day (save for last Thursday, which I thought I had posted on).  I need to start getting in a school mindset and study anatomy more than I blog.

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