I've told a number of people that this year I've felt like a teenager who grew up poor but never really knew the family was poor because she had enough to eat and clothes to wear and somewhere dry to sleep. And tin cans and cardboard boxes to play with. Then at about age 13 the revelation hits.
This spring I've begun to realize exactly how fiscally poor I am. When most people talk about not making much money, they are usually describing an income that's at least two times what I make. That said, my life is good overall. Assuming I don't get sick or my car doesn't need repairs, I get by. Sometimes my parents help a little, by sending a bit of money for a haircut or an oil change; sometimes a friend treats me to lunch. I pray a lot, and by God's grace it mostly works. I'm doing work I enjoy and living the starving artist life without the starving part.
But I'm also in the category of Americans that isn't heard from much but is in the news all the time these days: the ones without insurance. Not the middle class ones without insurance. That's not my peer group. I'm in the "working poor" category of the
insuranceless.
I used to have insurance, but then I quit working for Starbucks two years ago. There went that. Last year I found a good policy through an organization for media types. The sales guy assured me that it covered
pre-existing conditions as long as you haven't had surgery in the past five years. Good. My
thyroid surgery was 16 years ago. I just take some
meds and get the hormone level checked every six months. I should be good, right?
Alas, sales guy probably just wanted to make a sale. The policy was a good one and was reasonably priced, and I have no beef with the insurance company. However, it turns out you have to wait a year before
pre-existing conditions are covered. I had to drop the policy because I couldn't come anywhere close to affording the monthly premium and
still paying full price for my thyroid doc visits for a year.
Back I went to the ranks of the uninsured. But my situation has become much less bleak since this spring. I became a patient at
Siloam Family Health Center here in Nashville, and I'm forever indebted to the donors, volunteers and staff who keep that place running. I pay a little for my visits, but I qualified at the lowest payment level on their sliding scale. I'm also now a patient at
Interfaith Dental Clinic, which works similarly.
Based on my experience with these clinics, I'm inclined to say that such community-based solutions to the
healthcare crisis are much more trustworthy than some of the proposed solutions in the bills before Congress. But in all the NPR-listening and article reading I've done, I don't think I've heard any interviews with people like me, the working poor, about their experience at these clinics.
Everyone's talking about what to do about the problem without doing much talking to the people whose problems are supposedly being solved.
And, granted,
healthcare isn't only a problem for those of us on the lowest rungs of the income ladder. Middle and even higher income folks are all affected by this. And it's true that even with insurance,
healthcare costs can be excessively prohibitive. However, I tend to come down on the side of finding more locally-based solutions than jumping into a
behemoth that will be directed from afar and unable to respond to the nuances of people's particular situations. Rates I've seen for the government health insurance option are still prohibitive for the lowest income among us.