Songs for the Struggling Artist


Health Care and the Struggling Artist

American Health Care Horror Stories are all so abstract until it happens to you. Every time I heard about another failure of American health care, I was horrified anew – but because I was healthy, it was like reading about an atrocity on another continent – terrible but distant. I spent most of my 20s and 30s so healthy that I went without health insurance for the better part of both of those decades and got away with it. A couple of ankle turns and an X-ray or two and I got away with spending a whole mess of a lot less than I would have if I’d been paying for health insurance. Like, a LOT. When you’re a struggling artist, gambles like this make sense for a while. (If you’re lucky.)

But, luckily, the ACA happened before I got unlucky and it was finally possible for me to afford insurance. Through the NY Health Exchange in the last few years, I have been insured through three different insurance companies as well as the expanded Medicaid program. I am a direct beneficiary of Obamacare. And I am grateful. And, for the first time in my life, I really need the insurance as I started dealing with my first real health crisis. What’s funny about having insurance after not having it for so long is how shockingly unjust it can be. When you are without, you think – ah, well, if I had insurance, it would be better. Ah ha ha ha!! Not so fast!

I have been stunned to see how little of my healthcare has been paid for. When I learned that the one medicine that halts my migraines was denied by my health insurance company as “not medically necessary,” I was shocked. And I was shocked again to learn that if I bought it myself, it would cost me $600. For NINE doses. The drug company offers coupons for it but because my insurance is tied to Medicaid, I am not eligible. In other words, because I don’t make much money, I am not eligible to save money and my access to a truly beneficial medicine was denied. At every stage of this process, I was surprised anew at the madness. But my situation is not unique. So many Americans face obstacles of this kind (and usually much much much worse) that these stories are the norm. We become immune to each others’ health woes because they are so normal.

The ACA isn’t great. But it’s better than the nothing I had before. And with health insurance companies in the mix. I don’t know how it could ever be better. Obviously, Universal Health Care is the much better option but it is not yet an option in these baffling United States. My state keeps passing a Single Payer bill in the State Assembly but every year it gets rejected by the more conservative Senate. Fingers crossed for this year. (Call your Senator, New Yorkers!)

Being sick in America is incredibly expensive. The majority of bankruptcies are health care related. It’s ridiculous of course. But denying coverage for 23 to 24 million people is not the answer. Returning to the Wild West with denials for pre-existing conditions, like being a woman, for example, is not the way. My most recent insurance company was terrible. But it was better than having no insurance at all. If I were un-insured I could not have even seen the doctor who gave me the samples of the medicine that works. My insurance meant I only had to pay $330 for the hour with my doctor instead of $550. It’s still terrible. But not AS terrible with insurance. And luckily, I was already in the process of switching insurance companies when this craziness with my medicine went down and not only did my new insurance company approve my prescription on the first day of my coverage, my amazing pharmacist brought the medicine to me because we live in the same neighborhood. There are extraordinary heroes in this very flawed system.

As for those who would deny coverage to those who are suffering, I found myself fantasizing about giving them that Virtual Reality migraine simulation headset, of which my friend sent me a video. It appears to give a replication of the visual migraine experience (minus the pain.) In the video, you see people quickly requesting the removal of the headset. But in my fantasy, when the health care deniers ask to take it off, I refuse, because it is not strictly medically necessary. In real life, I know I would cave pretty quickly but in my fantasy, I get them to sign approvals for all migraine relief meds for everyone before I let them take that thing off.

 

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