Untouchable?
Those of you who are friends with me on Facebook have read updates on my quest to transition to full-time freelance science writing. The major hindrance to going full-time is health insurance. My eating disorder (and accompanying medical issues, such as osteoporosis, epilepsy, a herniated disc in my back, GI issues, etc) would all be considered "pre-existing conditions" and thus not eligible for coverage. Hence my almost too ironic job at the bakery: a group plan under an employer would render me eligible for coverage, even of my pre-existing conditions (after a 6 month waiting period). This fact also tethers me to having some sort of full-time-ish job, which is rather irritating for someone who wants to spend their time freelancing and not slinging bread, wrangling pies, and frosting cupcakes.
Thankfully, my parents have a fantastic insurance agent whose office is right across the street from the bakery and I talked to him about what the possibilities were for me. Presciently enough, on July 1, Virginia adopted the federal high-risk pool insurance program for people with pre-existing conditions that were otherwise uninsurable. The key is that your pre-existing condition cannot be covered under a policy for 6 months. What we came up with was a short-term medical plan that would not cover my pre-existing conditions and a special hospital income protection policy if something catastrophic happened. At the end of those 6 months, I would go into the federal high-risk pool. Since mental health parity also took effect on July 1, I should--fingers crossed--be okay.
What shook me, however, was the agent's comment that without Virginia's adoption of the high-risk pool, I would be uninsurable. That would mean my dreams of freelance science writing were essentially dead in the water. My eating disorder had effectively rendered me untouchable.
That's what breaks my heart: that some bureaucrat somewhere could so quickly and efficiently kill my dream because I have an eating disorder. I realize that paying out more in benefits than you take in with premiums isn't a good business model. I get that. I also get that eating disorders aren't cheap to treat. But to have an eating disorder diagnosis render me unable to get a health insurance policy for the rest of my life? It's depressing.
I feel like I have worked so hard in recovery to try and bring back a semblance of normality and health to my life. Many of my hopes are pinned to the wish that, one day, the spectre of my eating disorder will no longer haunt my every move. Finding health insurance is a stark reminder that some people never forget. I know some of my family members have been unable to forgive me for getting ill, and I had attributed that to human emotionality and fear and frustration. But this cold, calculated move makes me wonder if I'm permanently broken. If a whole, healthy me will ever emerge from the wreckage of anorexia.
I don't want to dwell on this, as I know insurance companies know precisely diddly squat about life. They were, after all, the ones who denied almost all my claims relating to the eating disorder, when I was sick enough that even I knew I would die without immediate treatment.
Although I have some issues with the health care reform bill that finally passed through Congress earlier this year, it has allowed me the chance to live my dream, and for that, I am grateful.




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