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feeling the suck

Today is not turning out good. I applied a few weeks ago for health insurance with one of the local companies who provide plans for individuals. Today they sent me the big-stamp DENIED package, which indicates that I have the maximum number of points allowable to obtain coverage. Now, the editor in me of course looks at that and says, um, assholes, what you just said was that I was inside the limit, because that's the equivalent of saying "you can miss only two questions on the test and still get a passing grade" and I missed only two questions. I can appeal, but I don't see what good that's going to do me; at the heart of it, I think it's my age. Because they also don't allow you to fill out the forms and say "hey, this was years ago, it's not going to bother me again" (dudes, my gall bladder is gone), so the scores for things like past accidents or operations are huge and throw you out of the ballpark.

I am really depressed about this, for a lot of reasons, one being that it's hard to get around in the health game without having at least something. And the package they sent me for the state's program is astronomical in cost, the monthly premiums are hundreds more than what I pay for COBRA right now, which will soon run out and why I was trying to find something before it runs out. I really don't know what to do now; I feel flaily and depressed, which is exacerbated by not having any money. I'm mostly a really healthy person with a few things here and there, and it pisses me off because I am more than a little certain this has a lot to do with scoring me higher because I'm a woman and I'm older. Fuck you, Regence.

There is a list of "agents" who deal with the state program; I'm thinking of contacting the one here in my area and asking her about other options, and see what she knows. I know I'm supposed to hope Obama can change this disgraceful situation in this country, but I don't hold out much hope for it, just because people in power don't want to change, and the Republicans have so far done everything they could to keep Obama's ideas from being successful, I don't see how something so monumentally reformative as health care for everyone could happen here.

I also got word the other day that I'm being audited for state sales tax deductions on my 2007 taxes. My tax person says a lot of her clients have and she thinks the IRS is just trying to see who they can get to pay by scaring them. I had a huge deduction that year because of the kitchen addition/remodel, new front door, etc. They kindly allow us to make a spreadsheet if we have too many receipts to send, which will be lots of fun, since me and Excel are unmixy.

Teeth still hurt today, mostly my jaw, but it's also kind of weird how all my actual back teeth feel bruised. Craziness. The bank account definitely feels bruised.

elz kindly offered me an invite code to Dreamwidth after discussing it here with her. I am amazed at how many people seemed to think I was being anti-DW when I said it was funny that people kept saying "it's not a special club" who were already in it. I really did mean that it was funny, as in laughing, not as in bitterly sarcastic. But people even defriended me over it. Whatevs. Not much you can do about it, I guess. Anyways, what I like so far about DW:

- I have been able to get the name I wished I could have had here, which is gwyn. I've never been an early tech social networking type adopter, so I have never been able to title my spaces what I want. This is nice.

- Also, I can change the red to purple. I figured out how to post and add a friend, though not how to find them yet.

There's a lot to think about, but I'm too down just now. I plan to just see how it goes -- follow people here, follow them there... wait and watch. A lot of my comms aren't going to move, I figure, so I'll be two places at once for a long time.

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Apr. 15th, 2009 10:00 pm (UTC)

I just got a code too, but I can't decide what to call myself. :->
Apr. 15th, 2009 11:01 pm (UTC)
I'm so sorry about the insurance, that's so discouraging.

Outside of people posting that they're on DWth, I've been finding people by looking at the profiles of people I know, to see who they have friended that I know. And so far most people are using recognizable names, if not precisely identical.
Apr. 15th, 2009 11:57 pm (UTC)
I so totally feel your pain and could probably rant on about the fucking insurance rat bastards for pages.

I was denied because I ~could~ develop *Angina*... COULD DEVELOP... I contested their decision... and even thought I DIDN'T FREAKING HAVE ANGINA? They still denied me.

I contacted the state (yes, I'm in the land of the stupid these days) and hey! they told me that since I was denied? I was automatically eligible for their special insurance that was only $700 a month... for the worst policy!!

I'm retired and on a pension. I can't afford that... just for a catastrophic "what if" policy that won't cover doctor visits, labs or meds. I mean, what's the point???

Fortunately (I guess) for me, I don't own anything... so, as my friend, (career nurse) told me, I would be taken care of... as a leach on the state. =(

This same friend knows what's up... she had to declare bankruptcy and almost lost her house from medical bills of her own... AND SHE KNOWS THE SYSTEM.

I just don't understand why people wouldn't want available/affordable health care... down here, in the old Confederacy? they think it's next to communism... even though they're going broke themselves. argh. /rant

DW? I'm excited about it. I haven't been offered a code but I'll buy in just because it appeals to me on some underdog level.

Going to listen to Susan Boyle's lovely voice once more.http://www.youtube.com/watch?v=9lp0IWv8QZY

Apr. 16th, 2009 12:47 am (UTC)
Dude, I got defriended over talking about AmazonFail. Because apparently my "if you're a big company and you" paragraph was directed AT HER. And she apparently ignored my apology. People are fucking crazy right now.

Did you get my message? Sorry I babbled, I was trying to say everything before my phone died. I'm home now and the phone is charging.
Apr. 16th, 2009 07:57 am (UTC)
That health insurance sucks. They just shouldn't be allowed to reject people for basic coverage based on some health questions but instead be forced to take anyone. How on earth would sick or chronically ill people, or even mostly healthy people who merely know they have any sort of condition that will need intervention eventually *ever* get insurance otherwise?? Though I guess in the US they don't. Here companies just have to insure you on that basic level, but then it's heavily state regulated (though not a single, state provided insurance, you have insure yourself and there are different insurances offering).

*just randomly browsing my friendsfriends*
Apr. 16th, 2009 09:37 pm (UTC)
I can't believe you got defriended over DW....! :o

I have to say, for a civilised country, your health scheme (or rather lack of it!) sucks the big one. I know I bitch about my doctors, but at least if I am ill I get taken care of with no real effort on my part and I don't get a bill. I hope you find an insurer soon.
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