Denied Again

[picapp align=”left” wrap=”true” link=”term=no+medical&iid=231593″ src=”0228/4bf1267b-f5cf-4765-a227-ced6ef96ef10.jpg?adImageId=11645047&imageId=231593″ width=”234″ height=”351″ /]I know that the airwaves are full of all sort of opinion about the pending implementation of the heath care legislation (here is the 1,018 page version).  To be perfectly honest I have no idea what it says outside of providing, in some manner, for federally funded abortion.  Oddly enough, both sides seem to agree on that singular point.

I do know that my wife and a dear friend of hers started a small business when other small businesses were closing.  [Michelle previously worked for a bank so we could have affordable health insurance (and spend the extra money!).]

I do know that the health care provider we had used for quite some time saw an opportunity to toss me overboard when we switched from the employer sponsored plan to a private purchase plan using same provider.

My sin: an abnormal blood test result 18 months ago.  Even though I provided a blood test in November ’09 which showed no abnormalities, even though I was never treated for the abnormality (other than a vitamin D pill), I am out.  Yes, a healthy “normal weight,” low blood pressure, normal cholesterol male cannot buy a non-government sponsored health insurance policy.   

I applied to another health care provider: denied, appeal, denied, appeal, denied, appeal, denied with a “you can start completely over again” letter.  I tried to get a policy covering only stroke, cancer, heart attack or abduction by alien species from yet another provider, denied.

Other than being really upset over having to fill out the same paperwork over and over again, my attitude is, “That’s life.”  I am grateful that I live in the United States where access to health care is easy and ubiquitous.  I do not believe it is my God-given right to be able either to afford it, or be able to consume it.  It is a privilege; a privilege I can now only participate in to the extent of my ability to pay.

I guess I best stay healthy!

I hope the new law does not require me to purchase a “no denial” policy.  The one offered by the state of Kentucky cost nearly as much as the plan we purchased to cover the rest of my family.  I simply do not wish to have 13% of my take home pay devoured by health care premiums. 

Michelle and I are blessed with family who live in Uganda.  They are valuable people and they have no health insurance.  In fact Isaac, Penny and Lionel have access to such limited health care that it would be unimaginable to even uninsured Americans.  I care about them, for they have the same God-given rights as I even though they live on the other side of the planet.  What about them?  Is it just tough luck they were born in Uganda?

All in all, I am glad I need not depend on Washington DC to balance or protect my life.  If I become ill and die without health care I will join the countless others for whom there is no other choice.  Since I am guaranteed permenant residency in the place where sickness of any sort is forbidden, it would be no trajedy.

Come, Lord Jesus!

Dear friend, I hope all is well with you and that you are as healthy in body as you are strong in spirit. 3 John 2, NLT

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About Robert Franklin

Father to six (three boys and three girls, three from the USA and three from Uganda) Husband to one (and intent on staying that way!) Son to Jesus-freak parents. Brother to three great people. Weak, sinful, enemy of God rescued for adoption by grace through faith.
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2 Responses to Denied Again

  1. Lisa Brooks's avatar Lisa Brooks says:

    Larry is uninsurable under the current insurance paradigm. If your wife’s business has at least 2 employees she is eligible for a small business health insurance plan. Those are not underwritten. My company is a sole proprietorship with two employees, Larry and I. He opts out of Health Insurance and I purchase a family policy that includes him, the kids and I. My primary care physician told me about. I use Health Net, but Blue Cross/Blue Shield has one and so does Kaiser. Good Luck.

  2. Roberta and Gary Franklin's avatar Roberta and Gary Franklin says:

    Excellent post; astute comments. Sorry about your health insurance…advise you to get the lab to recheck and rectify the mistake which was probably theirs if you want to do anything about it. Isn’t it wonderful to have one’s citizenship first, last, and foremost in heaven. I am so grateful to the One whom we serve. His “health” insurance is incredible; begins with new birth, progresses to purge all the darkness of sin, and culminates in a perfect body. Alleluia!

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