Happy New Year everyone! A bit belatedly, I know, but you are now talking to someone with two completed dissertation chapters and a third in gestation, but who is now, I’m afraid, officially a “fallen-away blogger.”
Better blogging times are coming, Lord, we just don’t know quite when…
Meanwhile, my university welcomed me to 2008 with some warm, fuzzy, and deeply American news: they would be cutting off my health insurance, in spite of the fact that I am now, and have been for the past five and a half years, a graduate student in good standing at Berkeley who has always been judged by my department to be making what they call “good progress” (towards what exactly is a larger philosophical question that shall not be addressed here).
The precise details of this health insurance debacle are, as all things with this “industry,” byzantine, maddening, and very difficult to convey. I shall attempt, nonetheless, to summarize: in order to finish a Ph.D. at Berkeley in any field that requires research away from campus (and that would be, ahem, many), a student will—for bureaucratic purposes and to save her department big, big cashola—be placed on what is called “withdrawn” status for two semesters while she is away. During this time, she has to buy her health insurance through the university as a separate fee, which costs her approximately $3000 for the year.
Since her stipend is somewhere between $15,000 and $18,000 per year (pre-tax), this poses a serious financial “challenge,” but one that can be surmounted by eating nails for a couple of months and never turning the heat above 50 degrees.
So far, so good!
You with me? Now, right before the student gets her Ph.D., she spends ANOTHER semester on what is called “filing fee” status, another bureaucratic category into which she is placed, like it or not. Under this status, she is also required to buy her own health insurance.
Here’s where things go off the rails. The insurance company that “serves” the university has made a rule that a student may only buy into health insurance through the university for two semesters. But this is in the extremely fine print, of course.
Those of you keeping score at home may have already realized that to finish the program the student has to buy health insurance for three semesters.
Folks, with “service” like this, who needs enemies?
I noticed this rule on January 14th, one day before my health insurance from last semester ran out. So I gave the folks out in California a friendly call to investigate.
Me: So I read this rule about the two semesters on your website and I’m calling because I wondered if I was reading that right.
Insurance Elf: Yes, you are.
Me: Well, that’s funny because my program—and I’m guessing many others—puts a girl on this kind of status for THREE semesters, not two.
Insurance Elf: Well, I’m sorry, but we have been enforcing the two semester rule.
Me: May I ask why?
Insurance Elf: We did a study and we discovered that the group of students who buy insurance while they are on withdrawn or filing fee status is small, but it is a high claims group. We needed to minimize our losses.
Me: (Pause to take in the wildly inhumane magnitude of this statement and to tear out a chunk of my own hair) So what do you suggest I do for health insurance then, Insurance Elf?
Insurance Elf: There are plenty of outside plans you can buy as an individual.
Me: Dude, I have researched those “plans” in the past. They have terms like, say, $2000 deductibles. You take a financially marginal person and give her insurance with a $2000 deductible and you have given her nothing but disaster insurance. There isn’t any “health care” about it. That’s just insurance so that you won’t have to eat mealworms and live in a refrigerator box for the rest of your life if you fall on the ice and break your arm. You can’t go to the doctor unless it is clearly a matter of your imminent death. You got mild asthma? Go home and f*cking gasp, little friend.
Insurance Elf: Well, we do enforce the two semester rule.
Me: I think you’ll burn in hell for this.
Actually, I didn’t tell the Insurance Elf she’d burn in hell. But I think she will.
So at the moment I have the disaster-only insurance. There is a chance that the insurance elves will make an exception in my case, but while they deliberate, I have to have some kind of coverage. (Revisit specter of a lifelong diet of mealworms and a refrigerator box home.) And the coverage can’t lapse or the health “care” industry will shaft me on the old pre-existing condition clause.
Now, without boring you with all the ins-and-outs of this matter, I can assure you that one way or another this will be resolved by February 15th such that I can have usable health insurance. But only because I am married. That is, either Berkeley will relent, or I can get onto Alex’s insurance.
So this isn’t really about me, even though my situation is all, all, all wrong.
This is about a broken, inhumane, indecent health “care” system that has been turned over to rapacious businessmen who prey on people who need medical attention and take decisions about health, healing, and well-being out of the hands of doctors and nurses and place it into the hands of people who only want to make a buck.
This is wrong. It’s wrong that companies are “minimizing losses” by making it impossible in practice for people to go to the doctor when they are sick or to get their medical care covered if they do. It’s wrong that we have so many people who are completely uninsured and so many who are underinsured and therefore in constant danger of financial ruin.
It’s wrong in a country where we have so much money and so many resources that we would allow this to go on. If ever a thing were immoral, this is.
I’ve been in such a toot about this that I have contacted all the major Democratic presidential candidates to offer my services to help them sort out this health care nightmare. I have told them that I will get my Ph.D. in December and will be available—just in time!—in January.
Unaccountably, none of them have had their people get back to me.
Everybody must be at lunch.
Or on the phone. Arguing with their insurance companies.