Angharad ([info]angharad76) wrote,
@ 2008-03-06 22:22:00
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I said a dirty word
How to get the operator at ehealthinsurance.com to hang up on you: Say the F-word!

I'm thinking about changing my health care coverage. Duh. The one offered through work clearly isn't working, and the premium is high too. The problem is me. There isn't a health insurance company in the world that would take me on if it had the choice. I've been denied by the best.

I decided to call ehealthinsurance.com to see if there might have been some change in the last few years since my last round of denials.

I told the operator I was looking to change my health insurance coverage.

"What state do you live in?" she asked.

"Illinois. Um, the problem is my pre-existing conditions."

"What pre-existing conditions do you have?"

"Um, asthma."

No response. So far so good.

"Chronic migraine."

Still no response. Things are looking up. I decide to skip the Ehlers-Danlos and go right to dropping the f-bomb.

"Fibromyalgia."

Bingo. "Let me stop you right there," she says. "With fibroidmyalgia [sic], none of our plans will cover you." Click.

At least most insurance companies now recognize fibromyalgia exists (even if the Firefox spellcheck doesn't). When I was first diagnosed, that wasn't the case.

I truly believe that fibromyalgia sufferers are victims of sexism as well. If the gender ratio were reversed (it's 9 to 1, women to men), it would have been recognized as an illness before 1987, and the skepticism and the initial insurance claim denials would have been seriously reduced.



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[info]angharad76
2008-03-08 10:14 pm UTC (link)
I joined the MLA this year for their health insurance benefit, but they just act like a broker, and I can be denied. The NCTE only has life insurance.

I'm definitely getting my taxes done this year. I think I should be able to get a pretty hefty refund.

One of the huge problems in higher education today is the adjunct system. Schools save money by staffing their classes with part-timers who don't get prorated pay and who don't get benefits. The adjunct to full-time ratio at the school that's not the one that [info]nekosensei teaches at as well is 20:1. It's only been about five years or so that adjuncts at state schools were legally allowed to unionize. Since that time, we've negotiated much better pay. (When I started in 2000, I got $1200 per class. I now get about $2500.) And we get "benefits." Actually, at one school, I only get two benefits--the crappy health insurance, which is a different plan than the full-timers have (the reason it's so bad is that the program is designed as supplemental insurance for people on Medicare), and one free class if there's space a week before the term begins. At the other school, I only get one benefit--$320 per year in professional development. If the schools actually started giving us decent benefits, then that would negate the advantage they get of using adjuncts. Oh, I forgot, I get one sick day per semester. After that, my paycheck gets docked. That's new, too. We used to get docked upon our first absence.

Truthfully, I'm at the point in my career where I might be able to get a full-time position, but I don't want one. The last thing I want to do is teach for the rest of my life.

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