Seven years ago I was a college senior who was working 80 hours a week, Monday through Friday at two different jobs, so that I could save enough money to complete my final semester in a study abroad program in Spain (I was a double major: Journalism and Spanish). I worked from 8 a.m. to 2 p.m. at CVS, left there and went home to change, eat a quick bite and make it over to CMOP to work 3 p.m. to midnight or 3 p.m. to 1 a.m., depending on the day of the week.
I did this from December 2002 to June 2003 so that I would have enough money to pay for my tuition for the study abroad program (student loans wouldn’t cover it because technically it was through Murray State with the KIIS program; MTSU just transferred my credits when I completed the semester) as well as all of my bills during the time I was in Spain and therefore without income.
Before I was scheduled to leave, the manager at the CVS and I discussed the fact that I was not going to be working there for two months and what that would mean for my employment status. I had enough vacation time to last me almost two weeks, but that wasn’t enough to keep me on the payroll. They were going to have to let me go and then rehire me when I came back, because for some reason CVS does not allow leaves of absences to be taken for anything education-related. (Nice, right?)
When I got back, all of the tenure and benefits I had earned, including vacation time and health insurance, were reset as though I had never worked there before—despite actually having put in six years of time.
The vacation time wasn’t too big of a deal, but the health insurance was. I wouldn’t be able to sign up for CVS’ health insurance for another YEAR, and I needed health insurance. I wasn’t eligible to be added on to my mom’s insurance because I was too old (I was 24) and soon to be a college graduate. At the time I had a condition that, while not life-threatening, required me to have a battery of tests run every 3-6 months. I needed insurance to help me cover the cost of the tests and, in the event I did develop cancer (or more pre-cancerous cells that would require surgery, as I had before), help me with treatment.
I applied for insurance through various private companies, including Blue Cross Blue Shield, but was denied each time because of the pre-existing condition. A few weeks later I received COBRA paperwork from CVS, but the monthly premium would have been nearly $1,100—way more than I could afford. I made an appointment with the local TennCare office because I figured hey, TennCare is for people who are uninsurable, right? Wrong. I was called before my appointment and told not to bother coming in because I wasn’t a single mother and therefore would not be approved. I protested, saying that I was unable to secure private health insurance and I couldn’t afford the COBRA payments, and was basically laughed at.
Within two months I had found another job — and while it was a good job and actually a bit of a pay bump (working in the MTMC pharmacy), I took it primarily because I would be eligible for health insurance Day One.
Now, my situation was not that dire. I didn’t have a debilitating disease that required hundreds or thousands of dollars of medication a month. I could have gotten by without insurance for a year or two, probably, and just hoped really really hard things didn’t get bad. I did eventually have to have another more invasive surgery, but luckily I had insurance (And I still had to pay nearly $3,000).
I can’t imagine people in far worse situations falling through the cracks of our current healthcare system, unable to get insurance or afford the bullshit option that is available. But guess what? It happens. And I support this bill because it will help people like that. This bill would have helped me.
And honestly, I’d rather see us spend billions of dollars helping keep people in our country alive than billions of dollars killing people in other countries.
Anyway, I just want to make the point that before you start screaming that healthcare reform is only going to help hoodrats who are looking for another handout or that helping our citizens get access to healthcare is a waste of money, maybe you should step back and consider the actual good it will do.
Or, if you want a less-personal take on the healthcare bill, go check out The Washington Post.