frustrations with the system…

It was suggested that I call the state to see if they could help a bit more with my insurance through them.  As it stands, I need to run up monthly medical bills of more than $1068 before my insurance kicks in.  This makes it nearly impossible to go to the doctor for anything unless I head to the emergency room.  Aside of being a huge inconvenience, it ends up costing the state more.  If they simply covered my doctor’s appointments at a PCP, they would not be paying over a grand when I need medical attention.  As it is, I will be heading to the ER after therapy today so I can get this vertigo figured out.  It’s interfering with my ability to drive or concentrate, which is a huge inconvenience. I can’t be upright for more than 15-20 minutes without starting to feel buzzed and dizzy.  It also happens when there’s too much activity around (heavy traffic, a lot of people moving around)  It brings about dissociation by virtue of being so disorienting.  Everything starts to spin and wobble.  I’m relying on others to drive me because I had 2 scary close-calls over the last 2 weeks.  One day I ran a red light and nearly plowed into a bunch of crossing traffic (no idea where my head was, but the light looked green to me).  The other time I backed into bushes without realizing it, as if I had been driving while drunk.  I can’t risk losing my license or worse: hurting someone… I wish I could just go to a doctor’s office, but they would charge too much for me to afford, but not enough to meet my “share of cost”…

I looked into the healthcare marketplace, but everything is prohibitively expensive per month, with outrageous co-pays and deductibles higher than I make in a year.  How is any of this helpful to someone?  I heard there was potentially “free” insurance, but it’s all via tax credit which translates to having to pay up-front, then being given a credit on my taxes.  That would be fine and dandy if I 1) had the money up front to pay all that, and 2) didn’t already have a tax exemption due to being on disability… It was a great theory, but only for the insurance companies who are now guaranteed customers because we get fined if we don’t buy it.   Thanks for looking out for the big guy.


What are your thoughts?

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )


Connecting to %s

%d bloggers like this: