Monday, February 23, 2009

Just Another Uninsured American

Let me tell you a story that is so ordinary and commonplace that you may recognize it as the most truly American of stories.

I have a friend. This guy has worked hard all of his life, and his career achievements have been quite respectable.

He is a journalist, primarily, but he's worked in a number of professions, as a business executive, a screenwriter, a professor, an author, a content producer, a non-profit administrator, a volunteer teacher (unpaid), a writing mentor (unpaid), a private investigator, a TV programmer, a radio producer, a magazine writer, a newspaper reporter, and editorial writer, and investigative reporter, an environmental activist (unpaid), a website editor, a guest lecturer, a guest editor, a blogger, a photographer, a marketing consultant, a branding consultant, and a bunch of other, less glamorous jobs, including pizza delivery man, hobby shop operator, newspaper delivery man, tomato picker, assembly line worker, truck driver, inventory manager, office manager assistant, sales assistant, civil rights activist (unpaid), anti-war activist (unpaid), adviser to a Buddhist sect, volunteer and propagandist for post-Katrina relief organizations (unpaid), chef on a sailboat crew (unpaid, except in lobster tails), dishwasher, carpenter on house-building projects, quasi-doctor administering eye-saving drops to people with Trachoma, tutor (unpaid), song-writer (unpaid), TV movie consultant, magazine entrepreneur, and on and on and on.

In other words, a typical guy with way too much energy who tends to get around.

Throughout his long and colorful "career," he's almost always had health insurance through his employers, which is in his opinion a terrible idea on its face, because he rarely stays in the same "job" longer than a year or two.

You see, my friend is a human butterfly, hopping from flower to flower, trying to spread pollens as widely as possible in the limited time available. If you re-examine the list above, you'll notice that much of what he has done in his life has not been paid for. This is the stuff he prefers, which is giving.

Taking does not come naturally.

But, if you want to know what I think, this guy is an idiot. Sure, he is a good person, generous, compassionate, blah, blah, blah.

But he has never grasped the fundamental principal of America. We don't take care of people here. You are utterly on your own.

Thus, tonight, this poor fellow came home, after a day of not being paid for anything he did, though quite happy until he opened his mail.

There, he discovered the following letter from "Anthem Blue Cross Life and Insurance Co.," which informed him that he has been deemed unsuitable to be insured due to a "cigarette smoking addiction."

Holy Fucking Crap! Unbeknownst to him, it turns out he is a nicotine addict! He must be, because the all-powerful Insurance Company says so.

There's just one, two, maybe three problems here.

This guy has never smoked a cigarette in his life. The famous Surgeon General's Report about the consequences of smoking came out when he was a teenager, and he therefore idealistically (and naively) went to the man he loved most, his father, and begged him to stop smoking.

His Dad promised to do so, but the truth is, he never could do it. Years later, after the inevitable strokes and heart attacks that resulted, his Dad still "went for a walk," which of course meant going outside for a smoke.

In the end, he forgave his father for this addiction. What else can a loving son do?

Meanwhile, as a journalist, over the years, he's been blessed with opportunities to learn about the power that addictions hold over us humans. A former colleague (at Rolling Stone) had inadvertently helped design the seductive "Joe Camel" ads that were intended to addict teenagers to smoking, just as his Dad had long ago been addicted. My friend wrote about that as an editorialist at the San Francisco Examiner, then a Hearst paper, now a free paper.

On many other occasions, he found a platform to advocate against smoking. As only the only son of a Dad can know, my friend comprehended the true, long-term consequences of smoking, and thus his heart broke at the sight of every young man or woman who chose that form of comfort to cope with their pain.

So, tonight's cruel news was also rich with the irony only ignorant bureaucracies can deliver. "How dare you?" he screamed at the form letter at Anthem Blue Cross Life and Health Insurance Co.

But, of course, nobody was there to hear his cry, which echoed across this great land like a ghost with no place to land...

-30-

5 comments:

Dovetail Public Relations said...

Hey David, this just isn't right. Seems like you've got good grounds for an appeal. Good luck.

mark

David Weir said...

Thank you, Mark. This is *not* right. But for millions of Americans, this is our daily reality. This is what it means to be an American. Real irony is my friend was recently judged "healthy as a horse" by his doctor!

About The Savvy Sommelier said...

David here is a draft comment post for the WSJ in response to an guest piece that struck a nerve. (I couldn't post because the article was "closed"). I thought you might be interested.

http://online.wsj.com/article/SB123413701032661445.html?mod=djemWMP

Rather than read this one-sided, sensationalized view of a very complex and complicated issue, view a more interesting and balanced account here: [url]http://www.pbs.org/wgbh/pages/frontline/sickaroundtheworld/[/url]

As I Canadian living in the U.S., I have experienced healthcare on both sides of the border. The bottom line is that a nation's healthcare system should reflect the values of its society. There is no "right" answer as the author seems to imply. In fact, the author supplies no practical solution at all - just sensationalized, fear-mongering by looking at a no doubt real but very narrow account of the worst part of one system. I expect better journalism from the WSJ. Perhaps this is why I no longer subscribe to the print version of this "rag".

I am a healthy 42 year old male. I pay almost $1,000 a month (after tax) for health insurance (managed care). I pay every time a family member uses a service. For me personally, I haven't gone to a Dr. in over two years as my care provider doesn't believe in even annual check-ups. So, yes should a health catastrophe hit me, I'm pleased I have access to world class specialists. But shouldn't my $15-20k a year (insurance plus additional billing) after-tax for a healthy family of 5 afford me some regular preventative care?

Anonymous said...

At least he HAD health insurance...at least he COULD (and did) go to the doctor for a check up, and have that little bit of security to know that he was healthy! Yes, it is sad to have a luxury like that taken away, but it is a LUXURY! We are not entitled to health care, and certainly not entitled to anyone taking care of us. People do that out of love. As soon as money (as in profit) enters the picture, all is tarnished, corrupted, by the love of money.
I cannot afford health insurance, but yet when things get bad, I can go to the doctor. I am male, so naturally I wait until I either feel like I am dying, or someone else forces me to to go. (Dumb male pride!)
Recently, I was in this predicament, and to make a long story short...I benefited from something that up until the concept of entitlement was created (thanks to our human ability to think as individuals we are more "special" or "unique" than another)...what was it? Was it the helping (actually hindering) hand of a government attempting to legislate moral behavior?
In my area, we have what is called "urgent care". Emergency room pricing, without the long wait...my bill, twenty bucks short of $400. I received a diagnosis, blood test, and flu test, plus maybe ten minutes with a doctor.
I also got the form to (maybe) qualify for a reduction in my bill.
Skeptically, I filled it out, figuring that even with my financial responsibilities I would most likely have to pay the full amount (which, by the way is roughly 2/3 of my bi-weekly paycheck).
Lo, and behold, I was discounted 54%. And do you know who gave me the discount? No, not the gub'ment. No, not some politically connected human rights group.
By Gods grace, it was THE CHURCH.
Yes, the church...a civic minded, community empowering, and (most importantly) people centered, grass roots organization.
The church, made up of people who, through the goodness of their heart, not legislation, want to help their fellow human.
The church, the REAL big brother...not some phony, politically driven (ego, narcissism) outreach program. Not a bunch of self-centered, short term thinking, guilt addled hypocrites whining about fairness.
Just groups of people, following the Golden Rule (the best they can) honestly, and without motive of profit, trying to alleviate suffering.
With that written...screw the government! They can't even take care of themselves. The only thing they are good for anymore is causing heart attacks, preying (and profiting) on the suffering of others, and corrupting everything that was once GOOD about this beautiful country of ours.
If you are looking for the gub'ment to save you,or us...please, please don't waste your time. They never have, and never will...they only cover their own asses!

Anonymous said...

Wow David, that is not fair and very frustrating. I'd scream too!
Love you, Nance