X X-mas

People ask me, “Doug, what exactly was it you did at the factory before you retired? The answer is more difficult than the job I did. I analyzed data “and stuff”! I made charts that no one used, it turned out, but that would have been of great value had they taken the time to look at them.

Anyway, I created this one last chart showing my finances in vague and altered form to foil the math-proficient. Hee! Hee!

Half of this year, I was dealing with BlueCross BlueShield to re-establish health insurance. I DO have it again, at a cost of nearly 50% of my income! God love AMERICA! On December 15th, BC BS will debit my account for four months’ insurance. At once. To the tune of significantly over $4000. MERRY CHRISTMAS!

When it became clear that the debit would happen, of course, I had to talk really fast with my financial advisor. God bless my financial advisor!

When I started to get all whiney about all that money going out of one account into another so I wouldn’t get another $30 charge for insufficient funds and another $10 charge for accepting a transfer of funds into my depleted checking account, my financial advisor reminded me many people don’t have money they can transfer from one account to another.

(Fie on 1st National Bank anyway! Ho! Ho! Ho!)

He got me thinking.

Christmas will be rough this year but I have many blessings, in no order:

1. Mom is doing well at the care center and will be 97 in February! Praise the Lord!

2. My insurance is outrageous because I have one heck of a precondition, one that makes no insurance suicide, BUT, I have insurance: Millions of Americans don’t. Shame on AMERICA! The Lord provided for me! America?

3. I have food and a warm place to live, even if the rent is going up to well over $600 a month in January. Insurance and rent take over 70% of my income a month! But I have enough. Many don’t. The Lord provides what I need!

4. Seven years ago, I nearly died of Wegener’s granulomatosis. I thank the Lord that I have been in remission for 5 years 8 months! I should be dead!

5. My brother, sisters, and their families are doing well! Praise the Lord!

6. No one in the family died or was hospitalized! Thank you Heavenly Father!

Count your blessings this Christmas, and know that the greatest gift of all is Jesus Christ, the fulfillment of God’s promise to us in John 3:16. So, it turns out “The Greatest Gift Of All” wasn’t that gift-wrapped Lexus in the driveway or that 52 inch HD LED television in the front room afterall!

God’s blessing on you this season!

Doug ~ AKA weggieboy

hiatus

My word! The last time I posted, it was the middle of summer, July 31st! Perhaps the cooler weather will prompt me to return to this blog.

A lot happened in that time, mostly management of my mother’s and my financial and insurance business, something I don’t want to relive.

At this point, I don’t think I have insurance coverage. I’ve become one of those unfortunates who fall under the status “has pre-existing condition”. It’s a big ‘un, too. Wegener’s granulomatosis. Not on the Nebraska Comprehensive Health Insurance Pool list of pre-existing conditions they cover.

Well, there is one form of vascular disease- WG is a vascular disease- on the list, but it relates of arterial issues arising from smoking. Wegener’s granulomatosis isn’t that. Smoking!? And what about these other “pre-existing conditions”? Alcoholism. Attempted suicide. Cancer survivor.

I’m here to tell you, if you are going to have a pre-existing condition in THIS country, the United States of America, it better not be an orphan disease!

“I’m here to tell you…”

That expression crept into my awareness after I first came down with Wegener’s granulomatosis in March or April 2003. Surviving that initial flare, surviving treatment with Cytoxan and Prednisone (the standard treatment for severe cases then and largely now, and known among weggies as the “Toxic cocktail”), that phrase took on new meaning and life.

“I am here to tell you,” I’d say. It wasn’t a given before. I was near death, with lungs and kidneys under assault by my own immune system. “I’m here to tell you,” I’d say. And I meant it!

I. Am. Here. To. Tell. You! I am here to tell you that America’s healthcare system is failing me just now, its insurance side at least, and I hope and pray that my health holds out until the Republican- and insurance company-opposed healthcare reforms phase in or I reach the age where Medicare kicks in, if that will do the trick.

I’m waiting now for a call or an e-mail from BCBS’s local agent to let me know if I am “in” or I am “out”.

If I am “in”, I get to pay too much for less insurance than I had under my company, then COBRA, plans. And be grateful to a healthcare system that values dollars over people, rich people over poor, the advantaged over the disadvantaged, umm… I hear violins!

[“Can Jimmy Stewart return from heaven and play me in the tragic movie I’m playing in my mind. Yes? Oh, good!”]

If I am “out”, I probably will survive. I’ll even set money aside for a rainy day when my body’s auto-immune system runs amok, again, as probability tells me it most likely will before I die of it or its complications.

[I must get to work on that obituary and funeral arrangements. I’m a veteran, so should qualify for a burial by Uncle Sam in the new veteran’s cemetery built on top of an old prairie dog town where I used to watch burrowing owl chicks feed on grasshoppers brought to them by their parents. I’ll like that!]

These will be days of uncertainty, but not days bereft of hope. My faith in God, tempered by this terrible illness, is key to that. That and the fact that God in His infinite wisdom had the good sense to create cats, of which I have one very amusing and companionable specimen, Louie.

I’m here to tell you, that’s Louie in the photo in the super hero suit he’ll wear when he rescues me from this quagmire! Good kitty!