Let's get serious for a minute. Being unemployed is wicked and wearisome enough, but
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the albatross of maintaining health insurance has potential to make a bad situation utterly merciless.
After I was laid off from Billboard in March 2009, I was able to maintain my health insurance via COBRA for 18 months. It was blessedly subsidized for nine months, thanks to an Obama stimulus bill, allowing me to pay about $140 a month for the same benefits/doctor I was accustomed to. What a gift. Then COBRA jumped to $405 a month—the full amount for my individual policy for health, dental and vision insurance—alarming but a godsend.
However, at the end of the 18th month, which I will reach September 30, I will suddenly be without
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healthcare. Boom—cut off, no questions asked. That leaves me only with the option of shopping for an individual health insurance policy—mind you, if
anyone lets healthcare coverage lapse for even a day, you invite the near certainty of being turned down for a free agent policy. To
get insurance you better already
have insurance.
I dunno what Obama's public health insurance plan will eventually hold for Americans, but let me tell you: Not having a job and finding affordable healthcare is akin to carving Mount Rushmore with a nail file.
Might being a
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member of industry organizations help? Grammy voting member? The Freelancers Union? Despite lots of bravado, ultimately to qualify, you need three legs and two heads. No luck. Next up: Three days scouring the web for an indie NY plan. Phone calls and emails with agents. Fortunately, I qualify for Healthy New York, which offers reduced rates if you meet specific criteria—including limited income. Because my Census gig ended earlier this month and I am currently earning, uh, zero, I scored.
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So I met with an Atlantis rep today. Consumer reviews aren't great, but for $310 a month, I am covered HMO-style for a year. I lose my decade-long primary health care physician, but I have a $20 co-pay for most everything, including meds... I'm thankful. I don't have to worry about walking in front of a bus. If I get real real sick, I have care and drugs.
Amazing... Most of us get a job and sign onto the
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company's healthcare without a second thought. I always have. Not having a full-time job for so long has opened my eyes to how backward our healthcare system is. And with 9.6% unemployment, I'm sure as hell not alone.
Most every other nation has public healthcare that
works; once again, the United States is far behind the curve. I'm willing to pay my way, happy to do it. But jumping through hoops like a dog is humiliating and scary. For sure, it doesn't feel much like the American way.
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