Firsts

I’ve spent over a year experiencing “firsts”. I’ve finally accepted the fact that the Universe is throwing lessons my way and if I keep closing my eyes and going “la-la-la-la-la”, this train ain’t gonna’ stop. I’m going through a period of growth and change in my life. Again.

Tomorrow I get to experience another “first” – one I’m really not looking forward to. One that terrifies me. I’ve debated blogging about this, though, because this particular experience is nothing new to a lot of people out there. I may come off sounding like a whiny little snit. If I do… :: shrugs :: I can’t help it. Try to see things from my perspective.

Tomorrow I will officially be uninsured. My COBRA insurance expires at midnight tonight. Because of my epilepsy, I can’t get healthcare coverage through any of the insurance providers. My COBRA coverage can’t transfer to an individual policy because they’re based out-of-state (something to do with insurance companies not being able to provide coverage across state lines, even though Blue Cross is Blue Cross in WA and in TX). The only insurance I can get right now is the State High Risk Pool, which is ungodly expensive. My other choice is to go 6 months without any kind of coverage and apply for the Federal High Risk Pool, which is affordable. But asking someone with epilepsy to go 6 months without healthcare coverage is asking a lot. Just like asking someone who has a heart condition, or asthma, or any other condition that required regular visits to a specialist and expensive medication.

I haven’t been without insurance coverage since 1987. Yeah, I know… last year I was saying I hadn’t been without full-time employment since 1987.

I don’t like being afraid, damnit. I feel like my last “safety net” is going away.

The Great King COBRA Rant

I can’t convert my COBRA insurance coverage because Premera BCBS is out of state. I have to apply for individual coverage here in TX. They can’t transfer my existing policy because it’s a group policy. I’m an automatic “deny” on my healthcare app with BCBS because they want you to be seizure-free for 5 years before they’ll touch you. They suggested the High Risk Pool.

On the Federal High Risk Pool, you have to go without any insurance coverage at all (note, COBRA counts as insurance coverage) before they’ll cover you. Texas has a State High Risk Pool but if you’re on COBRA and your plan has a conversion option (which, technically, mine does; I just can’t use it because they’re based up in the northwest part of the country and I’m “out of state”), you have to wait 6 months before they’ll cover you.

This. Is. So. Fucked. Up.

I thought “healthcare reform” was supposed to help people who can’t get insurance. WTF? Am I missing something?