Does health insurance affect your heart?

Health insurance isn't for the weak of heart.

Well, technically, it is, but in our country, I get the feeling the entire industry weakens the heart.

I'm a middle-class Caucasian woman with an entire network of family, friends and medical professionals who have proven, time and time again, that they can help support me. I'm in good health for someone of my size and age, with one major flaw. I deign to have a pre-existing condition.

I've been over this before, and I have a feeling I'll be going over it every day until type 1 diabetes has a hard and fast cure. But lately I have been particularly flummoxed by privatized health care. I was reminded again this week when my family and I were contemplating options for me as I transfer grad schools and have exhausted three years of COBRA coverage. That's the word these companies use: exhaust. I don't think I've exhausted COBRA as much as it's exhausted me. And for the past four months I've been navigating this world of conversion policies and HIPAA plans, trying to find a creative way to continue coverage without draining my parents of their retirement or forcing me back to Starbucks while I get a Masters degree.

And then I came across this article, written a mere three days after I was diagnosed as diabetic back in 2001. Miguel Aguayo is an artist who lives in Canada, which has socialized health care--something he appreciates as a deaf man. Apparently the American privatized health care system was looking attractive to some Canadians, who grew tired of waiting in long lines, and thought that perhaps our system offered the same services more quickly. But then came the unforeseen sacrifices: Aguayo speaks of how, when he and his family lived in the U.S., they often had to postpone medical treatment until legitimate emergencies, and even then, the hospital bills were as paralyzing as the illnesses themselves.

It seems silly to have perfectly good medical facilities that are only available to those who can pay for them, and even then, to ask them to wait until they are truly risking their lives. This is not health insurance. This is disaster relief. And it's expensive.

I don't know what I hope to aim by writing this. I'm preparing to spend another week on the phone, getting transferred from department to department of a huge, profit-seeking health insurance company whose employees see me as a subscriber ID number, one with a pesky little condition that ultimately will cost them more if I keep myself healthy than if I don't have access to the tools I need to stay well.

I wonder what undocumented immigrants do? I wonder what Canadians do? I wonder what these so-called proponents of privatized health care do, when they lose their jobs, get diabetes themselves, or have an unplanned pregnancy?

I might take a cue from Aguayo and head north. As soon as I get off the phone.

Landmark Health Bill Approved--Nearly

Remember in 2008, when Obama promised a season of change in Washington?

It looks like it might have just begun, blooming with the beginning of spring's cherry blossoms. Just today, the House of Representatives approved the latest health care bill, which stipulates that health insurers allow children to stay on their parents' plans until their 26th birthday, that children with medical problems not be dropped from their family plans, and that many large companies face stiff fines for failing to cover their employees. The bipartisan bickering about passing this bill included a group of conservative Democrats (who are they, I want to know?) who insisted on including a clause clarifying that none of this federal health insurance money go to providing abortions.

Just what does this all mean?

It doesn't mean that getting health care coverage will be instantly easier, nor does it mean that this bill has yet become law. The vote now goes to the Senate. And even if the bill does get passed without hitch, it still might be several months before everyday Americans see real change in their health care coverage.

That said, I can't help fluttering with excitement at the thought that maybe, at some point, so many of the decisions I make in life aren't dictated by who will pay my medical bills, and how. It seems nothing short of ironic that this bill pass just two months shy of my 26th birthday, where for the past three years my family has been generous enough to pay to COBRA my health insurance. Fresh out of college I applied for my own health insurance, but was denied across the board because I have a pre-existing condition. I was offered insurance through my previous job, but didn't work there long enough for the transition between companies to make any real difference.

Now I'm back in school, and the CSU system (when faced with enough budget cuts to knock it to its knees) offers a laughable $500 reimbursement for insulin...per year. (Any diabetic reading this knows that one vial of insulin has a retail value of $90; as someone on an insulin pump, I go through 3 vials a month--$500 would last me about six weeks.) So - so I'm ridiculously lucky that my parents are able to help me out, but I'm damned well ready to help myself out, or to let the government throw me and my fellow pre-existing-conditioners a bone.

Harry Reid, you listening? Blue Cross? HealthNet? Aetna? Kaiser? Big business? Weak-kneed Democrats in the Senate, Republicans and Independents who don't know enough diabetics or asthmatics or recent college grads foregoing health insurance--I hope you're paying attention.

I hope you're all paying attention, because the rest of us everyday Americans, we certainly are.