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.

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