Archive for July 2013

The Bipolar Perspective: Can You Afford to be Bipolar?   1 comment

FINANCING YOUR MEDS

When I heard the final tally I got kind of light headed and grabbed a walker from an old man to steady myself. I couldn’t believe what I was hearing.

I had walked into Walgreen’s Pharmacy a month ago and ordered refills for the cocktail of medications I take for Bipolar II. Topamax and Seroquel alone ripped into me for one-thousand dollars EACH for a monthly supply. I suddenly realized I was priced out of the Bipolar Market and had to find a disease with more reasonably priced medications. Or, find a bank that will finance my pills at a decent interest rate.

NO DOGS OR PRE-EXISTING CONDITIONS ALLOWED

I left my job on May first in search of greener pastures, or ones that at least weren’t littered with as much dog shit. With it I lost my health insurance. Then I accepted a job as a private contractor, which meant I’d have to get my own insurance. And with mention of a pre-existing illness, insurance companies squeal and run away like little girls to hide behind the golf-bags of their lobbyists in Washington.

As a matter of fact, if you do get coverage, you get treated to a deductible in the thousands, and they do not cover prescriptions or any doctor’s care for one year if related to your pre-existing condition. It’s like buying auto insurance that doesn’t cover body work on your car for the first year if it has a pre-existing dent. Yet you pay through the hairy nostrils for it.

GO ONLINE AND HAVE IT RINGING OFF THE HOOK

Really want to get taken to the cleaners for carelessly being born Bipolar? Request information about insurance coverage online. Your phone won’t stop ringing for forty-eight hours straight with pitch-men and women trying to sell you coverage from companies of which you’ve never heard.

Can you imagine presenting a “Three Stooges Insurance” card to your dermatologist? The doctor has the melanoma half hanging off your rear-end in a bloody fleshy mess, and the receptionist suddenly yells in “Doctor, he’s got “Stooge Coverage!” Suddenly you are handed the scalpel, a mirror and instructions for how to finish up the rest of the surgery on your own. “Moe, Larry and Curly’s” policy only covers the first slice.

ALL ABOARD!

I finally decided to go with a company who offered a good prescription discount card, although it was not part of or administered by “their” plan. They were very careful to make this crystal clear. Everything else was even more ambiguous. In fact, nothing appeared part of the coverage except major medical and dental. And there were so many different providers mixed up in this policy I didn’t know who I was actually being insured by. It actually felt like more of a gang rape.

And the only thing the prescription discount card was good for is picking food out of your teeth. It had a million codes and membership numbers on it. And when the pharmacist called to get my discounts, I was not even in the system. And they had no idea who to call to get me in. And my new “un-sure company” wanted nothing to do with this “outside” prescription plan.

Funny thing is my “agent,” who is probably not that smart if she is working for these-second-story-men, called to let me know my ID cards were in the mail. I told her I had ten days to rescind and I wanted to do so. She said she’d call me back and then vanished like “Casper the Un-Friendly Insurance Ghost.”

SWITCHING TO A MORE AFFORDABLE DISEASE

So in the mean-time, I have cut back on some medications and eliminated others. Now I feel depressed, which is making it hard to concentrate on my new job. And I can only afford to buy a few pills at a time, as I can’t pony up thousands of dollars at once each month.

I have finally come to terms with the fact that I can not afford to be Bipolar anymore and will have to stop. I’ll just have to cease taking my medications and deal with the self-destructive mania and severe depression like a man, if the intense withdraw symptoms don’t kill me first. I’ll simply tell myself to “snap out of it.” And maybe the hopelessness and obsessive compulsive disorder will go away, kind of like a bad cold.

Actually, I heard the medications for Shingles are pretty reasonably priced. Maybe I’ll switch diagnosis. A little physical pain might be nice for a change.

It’s hard to believe every single insurance company and pharmaceutical manufacturer can be so cold-blooded and gaping-mouth-profit-hungry that they are leaving people who truly need their medications to survive unable to afford them. And now the only thing to do is find a way to survive until Obamacare in January 2014 takes affect.

AFFORDABLE AND PORTABLE

I like Obamacare. The president is giving the big insurance and drug companies a major kick in the balls for being greedy and cold-hearted. And, he’ll make it possible for people to get insurance without being penalized for having a pre-existing illness. Did I stress this will be affordable insurance as well?

It’s also portable insurance, which means if you change jobs your insurance goes with you. You’re not out on your own trying to cobble something together with Scotch tape and bailing wire until you can find a new job with full coverage.

PRICED OUT OF YOUR OWN ILLNESS

You’re Bipolar. A treatment is out there. But you can’t have it because it costs too much. We are not talking about a heart transplant. We are talking about getting pills from the fucking drugstore.

Moreover, many of these uninsured people with pre-existing conditions like Bipolar Illness requiring expensive medications are not all poor or destitute by any means. Bipolar professionals, teachers, craftspeople, etc. making good money still can’t manage to lay out thousands of dollars a month for medications. Being priced out of your illness can happen to anyone.

BE VIGILANT

So I leave you with this.. If you are Bipolar trying to get health insurance and are caught up in the pre-existing condition quagmire of insurance company irresponsibility, call your doctor and tell them the situation. He or she might have samples. Also, some local municipalities have programs to help you afford your medications or get them at no-charge. Public hospitals may have similar accommodations. And, I’ve heard there are several pharmaceutical manufacturer web sites that help people in these situations, although I don’t know enough about them to make a recommendation.

DOGS FLYING PLANES

Health insurance providers know nothing about medicine, yet they take control of your treatment, or lack there-of. It’s like letting a dog fly an airplane full of passengers. The only thing they understand is getting fed, so you know you’re in trouble no matter where you’re seated. Consequently, if you are planning on being Bipolar, you might want to wait until after you are insured.

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