Mildly Unsettling Commentary & Occasional Literary Confrontation

Palindrome

Palindrome
Location
Santa Cruz, California,
Birthday
September 15
Bio
Essayist. Recovering poet. Mother of a small wonder. What else can I say? I write here about parenting, politics, pop culture, and other parenthetical particulars. Only half of my name is a palindrome...

Editor’s Pick
SEPTEMBER 10, 2009 2:38PM

My Healthcare Problem is My Deficit Problem

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“Put Simply: Our Healthcare Problem is Our Deficit Problem” —Barack Obama, September 9, 2009

 

There I was again, watching him, and crying in front of the TV. Not like I was when Obama was sworn in, not out of feelings of pride that we finally have someone in the White House who seems to be able to really see things clearly. The tears started with the most benign of the evening’s statements: Our healthcare problem is our deficit problem. I was emotional because that (overly) simple statement sums up my life right now.

 

Call me naïve, but first let me tell you a horrible little story about this “Healthcare Issue” and what I sometimes call the "$1435 Incident."

 

Sometimes I want to tell it like a joke. It might go something like this: A very sick man walks into a pharmacy and waits in line to pick up a shiny new medication that his doctor has prescribed. As the cashier rings him up, the numbers $1,435 appear in green digits across the screen, which the cashier believes to be a mistake, so he voids the transaction and rings the purchase up again. When the same numbers appear, he pulls the man to the side, away from the line of people waiting behind him and says, "And that’s only for two weeks worth of this stuff," to which the sick man replies, "                 ."

 

That’s just it. There is no punchline. I get to that part and I realize this could never be a joke. It firmly holds its place in the nightmare category. And it’s been happening to us for the last nine years. In fact, at the risk of sounding hyperbolic, it’s nearly wrecked our lives. The sad thing is my self-employed husband was, and still is, insured. Only his insurance provider deemed this new prescription, his only real choice at the time, as a thing they would not cover. And even though we both had full-time jobs, there was no way that we could afford to cover these costs.

 

I fantasized about moving to Canada or to Europe. I fantasized about Michael Moore escorting us to the insurance company’s office to give them a piece of our mind, but I knew that wasn’t going to happen. I fantasized about a miracle cure, a miracle drug. But one had already arrived, and had come and gone before our very eyes. My husband took it for several years, and then one day his body developed a resistance to it. Just like that, our years of relative ease and wishful thinking were suddenly over. His immune system, without any notice, had begun attacking itself again.

 

Anyway, the $1,435 incident wasn’t even the disturbing part, it was the all the things that came before and after that. The $1,435 incident was just like a very big ludicrous comma punctuating a rather large and messy sentence that I will now condense for the sake of clarity: Around the age of 30, my husband was diagnosed with Crohn’s Disease, a chronic illness that has caused nearly everything that we once knew as our lives, and our relationship, and sometimes even our sanity, to crumble.

 

I know we are not alone on this one. It was as if our life had become a pre-existing condition.

 

Very soon after we’d gotten married, we were offered a name to this disease. If you look closely, you can see it in our wedding pictures. My husband’s face is eerily thin and lacking in color. Because he’d been dealing with a more mild version of the symptoms for some time, he spent the first few post-diagnosis years in denial, seeking out opinions from every naturopathic doctor he could find. Then he lost more weight, and things took a turn for the worse. So we found a specialist, who put him on Prenidsone, an evil steroid that produces horrible mood swings and general irritability, and a miracle medication that his insurance actually covered  (because, we learned later, he had to go into an infusion center to have it administered).

 

When that eventually failed and it came time to switch medications, the insurance company backed out, saying that they wouldn’t cover something that he injected himself at home. After trying for several months to eat the costs, after having to quit his job because he was so sick he couldn’t work a full day, after realizing that we were sunk financially, we made the decision to leave our house and the expensive city we lived in. After all, we had a two year old and we needed to start thinking about how this was affecting her.

 

My husband got on a patient assistance program, which helped until that medication wasn’t working anymore. Now he’s on another trial drug, which seems to be working, and his insurance covers it because, you gotta love this part, a nurse comes to the house to administer it to him. For now, things are OK. But I’ve learned over and over again that this too might be temporary.

 

In Buddhism they talk a lot about the impermanence of our lives and about groundlessness. In my family, our lives have been groundless for many years now, and to some extent, I have gotten used to this sensation. It helps me to remember that even when I think things are stable, they might not be. I know that sounds crazy, but it’s the only thing I have to go on because I watched everything that I had counted on change quickly and dramatically.

 

I watched a disease tear our family into pieces of our former selves. I watched it destroy a savings account, and rip away the hope from my husband’s eyes. I watched our own deficit grow until we were just a few steps away from bankruptcy. I watched as our family and friends couldn't figure out how to respond to this situation, all of us caught up in a whirlwind of denial, pity, resentment, rage and sometimes, out of exhaustion, even indifference.

 

So last night, as I watched Obama address this issue, as I listened to my daughter screaming in the other room because she couldn’t watch The Aristocats for the 13th time, a daughter who still really doesn’t understand that her father has a chronic illness that has affected every fiber of our being, every decision we’ve made in the last five years that she's been alive, and after I pleaded with my husband to watch this joint session address with me, though he is too close to the issue to really be able to tolerate a speech (replete with booing Republicans) about it, I sat in silence. I sat, and I cried, and then I let myself feel a micro-dot of hope, no matter how naïve that may seem.

 

I had to. I just had to. What else can I do? Healthcare reform can’t really help our family at this point, but it could help prevent this from happening to someone else.

    

 

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Oi, oi, oi. That's all I can say. Not much of a contribution, but a cry from the heart.
It seems like the decent thing to do, healthcare reform, which is why Republicans are so against it. Insurance companies have not just been ripping people off, but killing people off. I have insurance that I pay for, and it's only good for prescriptions, basically. If they do not want to pay something, they just do not pay it. It is that simple. Your frame of mind in your situation (for which I am truly, truly sorry, by the way) is probably the only thing that has helped you survive. Healthcare reform could possibly help your family, I think. Hope is really something to hang onto. I remember your marriage counselor post (I think it was you). It was so moving and I so hope things improve for you and your family.
It is inconceivable to a rational (non-insurance company) mind how a cheaper solution (self-injection) is preferable to the more expensive (infusion center or home health nurse).

Send this to newspapers.
I suppose it could help, but the point is that the damage has already been done and we're still trying to recover financially, which has been very hard considering my husband still can't work a full day. Anyway, I have been ranting about healthcare for so long now, I had to get this off my chest (again...I'm sure some are tired of hearing from me about this). Thanks for your support and your hopefulness!!
@GM: inconceivable is right! I kid you not about this. It was all about the "prescription drug" definition in their minds. We stopped arguing about it and just looked for a solution.
oh boy. As a Crohn's gal myself (17 years and counting), this hits really close to home. I've been through the Remicade-Humira-Cimzia trifecta and further exhausted myself to pay those bills. I'm so sorry that you're in this situation, but I'm glad you felt that little flicker of hope. Having Crohn's has affected almost every decision I've made since diagnosis, always with a panicked eye on grabbing insurance wherever I could get it. If Obama's really committed to being the "last" president to have to address this, people like your husband will be able to simply pay an affordable premium and - gasp! - be adequately insured for whatever arises.
You should post this on the whitehouse.gov site (upper right hand corner has a "contact us" link). Every letter is read and you have the option to make your letter public so that others can read it.
My heart goes out to you! Yes, do post this as the others have suggested.
Just tried to post it on the white house site, but it's too long...I've exceeded the amount of words (ha!). I'll try it again with a shorter version. Thanks for the suggestion.
Palindrome I agree with the others that suggest trying to get this a wider readership....I'm going to send it to digg. You write so movingly about the things that matter to you. No one should have to suffer the pain of financial struggle while they are fighting for their physical health. It's wrong but sometimes it takes a lot of personal stories in order for people to really see why it's so. It bothers me so much because most of the people who say they're happy with their health insurance haven't ever been seriously ill. If you polled those who have really been ill I wonder what ratings the insurance companies would get.

thank-you for writing this but I'm so sorry you've had to live it.
But my question is why does this drug cost $3K per month anyway!?

Why does one night in an emergency room cost $10K?

Why does treatment for a heart attack cost $50K?

Why does going to Med school cost half a million dollars?

Why does it cost $500 for a simple filling?

Why does a basic doctor's appointment, in which the doctor sees you for 5 MINUTES result in a $200 bill?

Why does a CAT scan that takes 10 minutes to do, cost $3,000?

Costs are WAY out of control. And so while I certainly have some issues with insurance companies denying coverage, I have bigger issues with overcharging.

Recently my brother had dinner with a college friend who he hasn't seen in 10 years. The guy is an anesthesiologist, and my brother asked him what his take was on containing health care costs.

His simple answer: pay doctors less.

I say, charge less for medical school, pay doctors less, cap damage awards, and allow nurses and dental technicians to do more types of procedures.

I'm sure there tons of common sense measures that can be taken, but ultimately SOMEBODY will be against every one of them because lots of people are making LOTS of money with the way things are right now.
I share your story, in a different context. Thanks for the courage to share this with us. (rated)
I cried, too. And I know what you mean...we have to hope! We just have to.... I wrote of my "insurance experience" last week and it was the hardest thing I have ever written, so I know how difficult this was for you. I did loose everything! Go back to the Whitehouse site and link this blog in the comments section. .... 'cause they need to read all of this! Perhaps if they know folks are blogging these experiences?....one can hope, can't we?
This has been one of the hardest things to write about. I went through several drafts, most of which I wanted to delete and forget about. I will now read yours.
I certainly understand your problems here. I understandthe crying, since I was crying as well.
I wish I had some words here.
I am sorry. I had sworn off more healthcare reading and here I am.
Reading this, I ache for you and your husband. I know people with Crohn's and know how devastating it is. I'm so sorry and I hope hope hope that things get better soon, for your family and for our country both.
also...it sounds utterly creepy but have you heard about the intestinal worm treatment that has had varying rates of success (if not just Google Crohn's + worms to bring up medical articles about it).
I understand this very well. I empathize, and cry, with you.

Thank you for writing this piece.
Silk: Do you mean the pig worms? Isn't that fascinating (and creepy, yes...)

All of you, thank you for your support and understanding.
Damn, it's hard to know what to say. I hope that we, as a country, can do what we need to do. The alternative is just too unbearable.
So sorry you have to experience this. Thank you for sharing your story, because it's very powerful, and if the right people see it, maybe it will open up some minds.
To add to the list of questions posed by finstotheleft, Aging Hippie Chic wrote an excellent piece yesterday, "Follow the Money," in which she cited the ludicrous annual salary of insurance exec Wm McGuire v. the average annual salary of an Internal Medicine doctor... I hope there is a special ring of hell for those in the for-profit health insurance industry.
I am sorry and you are strong for many reasons. I'm glad you watched the speech.
Thanks for posting this, palindrome. As someone who also deals with a chronically ill spouse, I know the drains, financial and emotional. Yours is a poignant story and needs to be told; I'm very glad you told it. No medicine or medical care in this country should bankrupt anyone. It's our nation's great shame. Best wishes to you in the challenges you face.
Your passion is contained by your detailed commentary and all the stronger for it. Powerful stuff that deserves a wider audience. I am so sorry for all your heartache.
this was like reading my own life in some respects. i'm sorry for what your family is enduring. this nation should be sorry for what your family is enduring.

i wish every one of us with a story like this would be allowed to testify before congress for one minute, until they "got it".

they need to do right by the people in this country, and we need to hold it together enough to keep their feet in the fire.

i'm pulling for you.
This is an amazing piece, unsparing, moving. Thank you.
ditto dolly - i'm speechless...
The $1435.00 price tag bears no relation to the cst of producign the drug.

The drug companies perform a useful service, and they deserve a fair profit margin. They do not deserve profit margins FIVE TIMES in excess of that of the average Fortune 500 company -- especially since almost all the research that leads to the development of new drugs is funded by the taxpayers. .

Here's wishing all the best to you and your husband in your struggles.
Reading your story brought tears to my eyes as I am going through exactly the same thing right now. I too have Crohn's Disease and have gone through the ups and downs of this thing for a long time.

I was receiving my medication from the manufacturer as I simply couldn't afford it at the time that I desperately needed it. In the interim I managed to get a job, get some coverage and became ineligible...which was I thought a good thing as I was hoping to be able to take care of myself. Only problem is with my coverage I can't afford the medication.

My co-pay for 3 months of my medication was $2,652.40. I live in a small town, work for a major retail store as it is the one job going in this town and there is no way I can afford to make these co-pays. As a result, I missed my medication while I went on a quest for co-pay assistance and am now in the midst of a flare-up.

My doctor has (once again) placed me back on prednisone to get the condition under control. It is truly an evil drug, but unfortunately it's the only thing this condition seems to respond to quickly.

I have enough in co-pay assistance to get me through the end of the year, then the deductible kicks up again and I'm going to be right back at square one.

When I see these people standing at the town hall meetings screaming like spoiled, ignorant children I can't help but wonder what fabulous health plans they are on that they can act so confidently. What happens if their health coverage gets reduced or taken away? Will they yell so loudly then? I see bullies who won't discuss rationally, but just get louder and louder and figure that if they can yell everyone down then they are right. They are like obnoxious frat boys who have decided the world is theirs and they will get their way regardless of how it affects anyone else.

Right now I'm back on my meds. I've got a list of places to call to try to get more assistance, but there are no guarantees. My doctor is talking about switching medications. But who knows what that will be or what it will cost. I am sick, I am scared senseless and I wish some people would just open their eyes and realize they aren't the only ones in the world.
The powerlessness and inhumanity of it makes it hard to live with and to maintain ones own decency and dignity. You have done that and it is admirable and courageous and makes me proud to know I have had contact with you via the internet.
Two nights ago the President reconfirmed the direction our country must move in to preserve the health of our people, the health of our nation, and the health of our economy.

No country, no matter how strong and rich it is, can afford to waste so much money on expensive crisis care for some, and spend so little on baqsic care and prevention for the many. Our citizens need health security, not an uncertain and fraying medical tightrope from which so many of us fall to untimely deaths.

Just as the banks and financial houses that lead our Nation astray need corrective guidelines so do the medical insurance companies. A study made public today reveals that in California for the past seven years the giant Health Insurance Corporation Cigna has denied 1/5 of all its insurance claims from qualified subscribers. That’s not security, that’s fraud. The President presented proposals that will help end the fully justified fears that claims will be denied for those who choose to continue with private health insurance.

The mainstream media will ask whether this speech was a game-changer, and look for the places where disagreements and uncertainty still exist. The divisive rhetoric from detractors will fill the airways, the pundits will pontificate. But this much is certain, there is no way we can afford NOT to take action now. The action may be bipartisan, if a few Republicans come to their senses about what is good for the country and for the economy that they sunk into the mud on their watch. Or it may be partisan. Either way, America is going to finally get a health care system in 2009 that covers most of us most of the time for most of our health and medical needs—just like every other civilized nation on earth.

Palindrome's story and all our stories need to be told to move the debate away from political posturing to responding to real humans with real problems that cause them real suffering. Obama spoke of "large-heartedness" and the "character of our country," and that is what is at stake.
Wow. This was all so great to read this morning. I realize that this issue is HUGE and somehow when you are in the middle of it you are so busy trying to survive it that you don't have the strength or the energy to fight it. But, so much of your energy can also be drained from ANGER at all of it, insurance companies, lack of awareness from doctors and specialists, even from friends.

Chick Mistress and others who have Crohn's, I truly feel for you. This is such an ugly illness, and it's so very hard to talk to people about because it makes them uncomfortable. I have forced myself to talk about it because it makes me feel less discomfort with it, and with telling people that my husband has an unpredictable disease.

Ben Sen, you are such a kind soul. I wish I still lived in NYC.

I know this is a story that needs to be told. And I should be my husband's advocate. I've just been struggling with putting it "out there" but I am glad I put it here!
I just saw the documentary "Frontline: Sick Around the World," produced by PBS. Five different countries were profiled on their health care systems: Japan, Britain, Taiwan, Germany and Switzerland. All have problems. But none of them ever heard of their fellow countrymen going bankrupt because of health problems. In fact, the Japanese authority said he never heard of such a thing. It is simply unbelievable that the Right wants to deny a BASIC HUMAN RIGHT to people because they cannot pay. They are so wrapped up in the fear of "socialism" that they can't see straight. Well, if we don't get some kind of universal system in place, we're going down the crapper. Cuba, fercrissakes, has better healthcare than America. That is a disgrace!
Chronic illnesses are the worst, and best example of what is wrong with the current American system. We all slip through the cracks, whether its lifelong pancreatitis, hypothyroidism or Crohn's. They'll cover this but not that, you're covered if the drug is injected by a nurse at the hospital but not at home (even though you have to do it every day, for the rest of your life). In our ultra-capitalist society you would think the system would make it easy for one to have a working life in spite of illness. But no.

Frankly, my health is fine as long as I can still take my meds on a daily basis. So far. But if I lose my job I'm screwed. My health has taken turns for the worst as I get older, which leads to sick days and worries about losing my job and thus my insurance. The tailspin begins.
Drug companies and health insurere have hijacked the system so much that care and health have little to with healthcare anymore.

Rated.
I hear you, and I will keep writing to the president and my senators demanding health care reform with a public option. I know it isn't much, but I know that what has happened to your family can happen to anyone. We need to take much better care of one another, in this nation. I wish you well.