Shit on the Little Guys!

Health insurance. Let's just talk about this, because we can? Great. How does one score a good health insurance plan? Well, let's go through the steps:

1. Find a company that has the features and benefits you'd like. In fact, find three.
2. Fill out applications, pee in the many a cups, get your physicals.
3. Wait to be approved for a plan, and start forkin' out the dough every month!

What is all this for? Self-assurance that everything is going to be alright if you're walking down the street when somebody in their toyota camry decides to pick up their phone and tell their BFF that "OMG I CANT BELIEVE U R GOING OUT WITH HIM", ergo slamming into your left leg as you try for your life to step out of the way of this swerving mad automobile from Japanese hell. (Well, everything will be alright medically) You'll still have to deal with the psychological babble that comes with seeing your boring-ass life flash before your eyes. But that's beside the point :) You are going to be "covered" financially for all these medical bills. If you're lucky enough to have been approved for your "choice A" company, then you'll have to shell out maybe $500-$1000 for the $30,000 procedures to fix you up. This is called a deductible, and is in fact frowned upon in most societies. Why? Because that seems like a shit load of money! How dare they make you pay that proposterous amount! You're already shedding out $150-$300 a month for this "what-if" coverage, how do these people sleep at night?!?

Shut. Up.

Listen.

As I throw this question on the table, think about your current situation. Why is it that humanity has the carnal desire to profit from anything they can? Why don't more people have the will to overcome that urge? I don't know. I do know that those who don't have the will, create companies like health insurance incorporations. These are organizations who are very strict with what customers they'll deal with, and which ones they'll turn away. Why?














It's all about risks. If there's a chance they'll need medical expenses paid for in the near future, and they won't make a substantial amount of money on you before that time comes, and after all the figures are added up. . . forget about it. You don't get covered. Tough Luck.

Yep. Luck. Sure.

Basically, 90% of those that have and qualify for insurance, don't need it enough to justify the payments they make every month. (yes, that statistic is my opinion, and in no way factual. Got a problem with that? Kiss it) 100% of those who don't qualify for health insurance, are the ones that absolutely NEED IT!! Pisses me off. (to say the least)

I have insurance. Through benefits, that my wife gets from her work. Ask me how much this insurance helps me. Go ahead. Ask.

The two most crucial, literally life-sustaining medications that I require are monthly prescriptions of $2,000. EACH. How much does my crappy insurance pay? Well, they pay a flat rate of 80%. Now, this is definitely better than not having insurance at all! However, due to my health. . . I do not get the insurance I deserve. If I had a $1,000 deductable that most people throw a shit-fit about, that deductable would be met in the first week of the year, never to be paid again for at least 360 days. All I'd be paying was the $25 co-pay for my prescriptions. As it stands now. . . Colten pays $491.78 for his enzymes a month (that's 20%), and over $500 for his Pulmozine (Actually, I haven't gotten that one for over 8 months, because I don't have money). Ergo, I'm slowly but surely decaying :D My lungs are at least.

I guess this is my way of venting. My way of dealing with the frustrations that come with having CF, and being poor. Maybe it'll get better! We'll just see. . .

Living for what?

Ok friends.  I've been thinking a lot lately about what it means to be 'living' life.  Not to be living, but rather what we're preparing as teenagers to be doing for the good 3 quarters of the life ahead of us.  I've come to this conclusion: work.  What kind of work?  Well that's entirely up to you I'm sure!  It's been my observation that it's mostly mindless work that requires very little, if any skill.  There are the minority that go out there, extend their roots and find out just what they're capable of.  Some find success in their endeavors, while others may struggle to stay afloat around the expected norm.  But for the most part, we're all just working for the sake of maintaining our lifestyles.  

What lifestyle?  The style, where monday 

through friday (and at times, saturday) you go through the same daily routine?  Wake up.  Shower.  Consume sustenance to maintain your bodies nourishment.  Drive to work.  Work.  Drive home.  Consume sustenance to maintain your bodies nourishment, that

's been slowly drained from you for the last 8-10 hours.  Watch your fellow man living "the dream" of 

st

ardom in the form of their 'perfected' craft known as acting. . . and this you do for your entertainme

nt.  Go to sleep.  Do.  It.  All.  Over again.

I'm finding it very hard to find the joy in life, as I grow nearer and nearer to financial crisis.  All of our endeavors must initially be put into starting a 'life'.  Get your finances in order.  Once those are in order, you then spend your time maintaining your finances and your 'lifestyle.'  The majority of homosapiens it seems never get to really taste what it's like to not have to worry about being financially stable.  Everybody worries.  Where's the joy?  Does it really take 360 days of working, to earn that 5-day vacation?  Is our joy or time to relax really having to be earned?  That's less than 2% of our time spent, enjoying life.

Maybe it's in the small things.  Ya know, in between dinner and your tv show.  Just before you go to bed with your spouse.  Maybe it's the short phone call to your best friend, or your brother while you're taking your lunch at work.  I don't know!  Feels like even then one is stressed about all the responsibilities in life.

Will there every come a point where you're truly, 100% happy?