Published by PaintingChef on 25 Mar 2010
And on the heels of religion? Politics. Why the hell not?
It’s no secret around these parts that I’m a left-leaning individual. A VERY left-leaning individual. Also not a secret? I don’t like to talk politics or religion or uber-controversial stuff like that too often. Why would I when instead I can dazzle your mind with the state of my uterus or a deodorant diatribe? And so why, mere days after forcing you to wade through a stream of consciousness hot mess of an entry about religion would I then be so ambitious as to tackle politics?
Recent events have made it necessary for Patrick and me to investigate the scary market of individual health coverage. No worries, we both still have jobs, daddy hasn’t fired us. It’s just that the construction industry, like every other industry (oh! Except for health care!!) is in the shitter and covering a portion of the premiums for our employees is no longer an option. At least for the time being…
Patrick is, of course, healthy as a horse. He’s been to the doctor a grand total of 3 times in the past 5 years. Once for a sinus infection (and that was under threat of sleep-smothering from me), once for the flu and once for a physical. Each time he visited a walk-in clinic because he doesn’t even HAVE a doctor.
But… those of you playing along at home know that my health care expenditures over the past year have been significant. Infertility treatments? Not so cheap. Also? Not so much covered by insurance. So when we started applying for individual health insurance, I was not worried. Yes, I have PCOS but surely that is a common enough condition that underwriters wouldn’t blink an eye. And why would they care about the infertility treatments I’ve had if they aren’t going to cover them anyway?
Yes… you may all laugh loudly at me now. Go ahead… I’ll wait. I need to warm up my caps lock key anyway…
One week later and I had been denied coverage by FOUR major health insurance companies. My infertility was a pre-existing condition. I was denied health insurance because of a condition that they wouldn’t cover ANYWAY. So I applied for a FIFTH policy leaving out all mention of infertility treatments and only mentioning my Poly-Cystic Ovarian Syndrome on the questionnaire. And my PCOS? A condition that millions and millions of women suffer? Qualified me for an IMMEDIATE and NON-NEGOTIABLE 90-100% mark-up on the policy. Guess what else INDIVIDUAL health insurance doesn’t cover? MATERNITY CARE. Oh yes. Maternity care can be an extra two hundred dollars a month. And you can’t add it once you get pregnant. You have to have it ahead of time AND it has a nine month waiting period! (How convenient) But if you are pregnant when you are applying for health insurance? Oh yes friends… THAT is a pre-existing condition and it isn’t going to be covered.
At this point, for the record, we would be spending over $900 a month for just MY health insurance. And for that amount of money, it wasn’t going to give me a baby with a fully stocked nursery and a team of dedicated, round-the-clock caretakers. I checked…
Needless to say, the decision we made was to keep me on the current employee health care and shell out the money for it while Patrick shopped around for his own policy.
But what I’ve learned is that reform IS necessary. Health care companies are out of control. I don’t necessarily think that the reform passed on Sunday will do the trick but I’m pleased that steps were taken to remove the pre-existing conditions and lifetime maximum coverage clauses, even if the penalties for denying coverage are laughable. And why 4 years? Why not tomorrow?
I DO think infertility coverage should be mandated in all 50 states, not just the 10 or 12 that have already made that decision. It is a medical condition. As for the people who have said to me (and to the millions of women struggling with infertility (because we’ve ALL heard it) “why don’t you just adopt and not spend all this money?” Guess what. Adoption is expensive too. Usually MORE expensive than infertility treatments and there are tax credits for adoption. Aside from which… as I’ve said before… adoption is not solely the cross of the infertile community to bear.
I did the math. And right now, my barren uterus carries the approximate cash value of a lightly used Honda. I’m thinking of getting t-shirts printed…

