October 13, 2009

One Full Year of Living Life Laid Off

By Mariam Williams

“This is the day the LORD has made; let us rejoice and be glad in it.” Psalm 118:24

one year anniversary calendarfree-printable-calendars.com

It’s not a happy anniversary, but I’m alive, and there’s still hope.  I’m thankful today for the writing opportunities God has given me in the past year.  I’ve gone from having a grand total of zero bylines to having 18 articles published in various print publications and having a regular column. By the end of the year, my publications list will include at least 25 entries.  I’ve put the name “Research Works” on my writing, editing and market research skills, and I’ve managed to convince a few people to let me put those skills to use and write their organization’s newsletters and press releases, come up with a slogan for their business or edit their regular business correspondence.  (I’m a little bitter that growing that into a viable business has been impossible given unemployment compensation’s requirement that I report any money I earn, even if it’s only a few dollars for a few hours in one week, but I’m trying to prove that honesty will get me somewhere.)

I’m thankful and more hopeful than I have been over the past few days, but I’m also admittedly confused as to why God has made so many opportunities for me in a dying field.  Let’s just be honest: print journalism is on life support.  Obviously, I can transfer my skills to online journalism, but the blogosphere is already heavily saturated, and people with more experience than I have get laid off every day.

It’s that looming uncertainty that makes me wonder if I missed something when I decided earlier this year that I wouldn’t take just any job that came along.  Was I supposed to humble myself, go to a temp agency or the Census Bureau and make less than I did at my last job and less than I do on unemployment?  At the eight-month mark, was I supposed to humble myself a little further and apply for a minimum wage job at the Target that’s now reopened right behind my apartment building?  Or was I right to wait?  A year later, is God saying to me, “Wait just a little bit more”?  Or is it time to do something entirely different from the path that I was on even before I began living life laid off?

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© Mariam Williams, aka The Pink-Slipped Girl, and The Pink Slip Blog – Living Life Laid Off, 2009. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Mariam Williams and The Pink Slip Blog – Living Life Laid Off or http://livinglifelaidoff.com, with appropriate and specific direction to the original content.  Any use and/or duplication of any photo contained within this blog without express and written permission from Mariam Williams is strictly prohibited.

October 9, 2009

I learn something new about healthcare every day

I want to move on from this topic, but pain currently has a starring role in my life, and issues I didn’t run into when I had adequate health insurance keep surprising me.

For instance, the reason people without health insurance use the ER as a primary care facility became clear to me last week when I finally caved in and sent detailed notes about my chronic pain, and some rather grotesque pictures, to my primary care physician.  She referred me to a specialist, but due to the exclusion rider on my pre-existing condition that basically states that nothing having to do with my chronic pain will be covered, I would be considered a self-paying patient, and the doctor she referred me to doesn’t take any self-pay patients.

“So that’s why people go to the hospital when they don’t have health insurance,” I said to myself.  A hospital has to treat everyone.  A private doctor does not.

When I explained the situation to another specialist’s office, its billing department said to come in anyway and that I would be billed after the doctor decided what he wanted to do.  Perhaps self-paying patients get second-class treatment in his office; for some reason, he saw me for less than five minutes even though I was at the office for an hour and a half.  In that five minutes, he wrote a prescription and ordered another diagnostic test.  A representative from the billing department later called me about the appointment I had set for the test.  The rep told me that my insurance company said that “no diagnostic tests relating to (my pre-existing condition) are allowed until the year 2011.”  This really means they’re allowed, but I would be paying for the $1800 test out of pocket.

If she had said those words to me face to face, I think I would have punched her.  That’s not true; I just would have been embarrassed because she would have seen the rage heating my face and the tears forming in my eyes.  I smiled through the droplets and in my most chipper phone voice, I said, “Cancel all my appointments.  If I have an emergency, I’ll just go to the hospital.”

Would a visit to the ER cost twice as much as the diagnostic test in a private office?  Probably. Would I get the treatment that I need?  Definitely. Would I end up paying the bill? Maybe. But there’s also the chance that the hospital would just pass the cost along to all of you lucky, fully insured people who are afraid of losing health insurance that you don’t even realize sucks.  And you don’t even realize that one of the reasons it sucks is because you’re covering what the very company you pay won’t cover.

Wake up!

September 20, 2009

Happy Sunday! A quick thought about the Christian stance on universal health care

by Mariam Williams

I recently read this post by Rev. Jim Rigby, Pastor of St. Andrew’s Presbyterian Church in Austin, TX, and wrote him the message below to thank him for calling the Christians out on this one. (Those damn communists in the early church …)

If our much revered original apostles were among us today, many Evangelicals would have painted Hitler mustaches across images of their faces and hurled the insult “Socialist!” at them while attending their prayer meetings with guns.  Acts 4:32 says believers shared everything they had.  Acts 4:34-35 says no one was in need because “from time to time those who owned lands or houses sold them, brought the money from the sales and put it at the apostles’ feet, and it was distributed to anyone as he had need.”

We have lost sight of that concept today, and your essay had me wondering how the church contributed to the attitude.  Perhaps we didn’t read Acts enough and instead concentrated on our blessings as heirs of Abraham too much?  Maybe we read too much into 2 Thessalonins 3:10 (enlarge my territory) or were so impressed by how God took care of the widow in 2 Kings 4 that we just figured we don’t have to do anything.

Then again, there have always been, and probably will always be, people who do not believe this country is for everyone.  They will be very disappointed that they no longer have anyone to stand on if all the poor die off because we are uninsured.

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© Mariam Williams, aka The Pink-Slipped Girl, and The Pink Slip Blog – Living Life Laid Off, 2009. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Mariam Williams and The Pink Slip Blog – Living Life Laid Off or http://livinglifelaidoff.com, with appropriate and specific direction to the original content.  Any use and/or duplication of any photo contained within this blog without express and written permission from Mariam Williams is strictly prohibited.

September 20, 2009

Sen. Mitch McConnell’s response to the concerns of someone living life laid off

by Mariam Williams

During the first full week in September I wrote a letter to Sen. Mitch McConnell, expressing my views and concerns about the national healthcare debate.  His response – or rather, his lack there of – is disappointing at best.  At worst, especially when I consider how poor in health and indigent the state of Kentucky is as a whole, McConnell’s “response” is the equivalent of him using the state he represents as a piss pot.

He sent a form letter. A FORM LETTER! While this is understandable for a busy person, it’s disturbing in this case because it shows that nothing that has been said in the past month and a half – none of the “liberal” perspectives, none of the heart-wrenching stories about people who have died or gone bankrupt because of the greed of the health insurance industry, none of the President’s speeches – has had any effect on McConnell’s resistance to full and thorough healthcare reform.  I know this because, even though Sen. McConnell, on his website, claims that he spent the month of August going throughout the state to talk to people about this issue, he sent the EXACT SAME LETTER to a friend of mine ON AUGUST 11!  The letter he sent to me is dated September 11.  My friend scanned the response letter and posted it on facebook.  This friend did not even write the letter that the senator refers to in his generic response.  And we wonder why people feel like they don’t have a voice in government.

Before I continue with counterpoints to the generic response, I have to ask a favor of all of you reading this: If you wrote to Sen. Mitch McConnell and received this same letter, which you can read by clicking here for page one and here for page two, please write a handwritten note saying whatever you want directly on the aforementioned letter and then fill out the contact form on this blog.  I will then reply to you asking you to mail a copy of the letter to me or to scan it and email it to me.  Cover your address but leave the date line.  I would like to send as many generic form letters with handwritten responses back to the senator at one time as I can.

Since it is a form letter, Sen. McConnell’s generic response does not address the specific situation I included in my letter: unemployed people who have pre-existing conditions that aren’t covered by their inefficient, self paid, non-employer sponsored insurance, and that they can’t afford to treat.

He says in his letter that “private companies couldn’t possibly compete with government.”  I addressed this argument, and another argument that public-option opponents make that cancels it out when I said, “Opponents say, ‘A public option would obliterate private health insurance providers.  It would be so good, who wouldn’t join a government-run health insurance plan?’ and then they say, ‘How could the government efficiently run a health insurance plan? It would mean long waits and more red tape for your treatment.’”  He says the federal government would fund its plan through taxpayers, who are essentially an unlimited resource.  So here’s my question now: If you have all the money you would ever need to run a health care plan, you could afford to make it good, right?

He says another reason a public option “would soon become the only option” is that the government could dictate prices to doctors.  I’m not sure why this is or if it’s true, and if it is, I don’t see how it’s different from private insurance companies who negotiate to pay doctors and hospitals at a discounted rate.  Granted, this does cause problems.  Locally, the Norton Healthcare hospital system and Anthem, a health insurance provider, are in battle over how much – or how little – Anthem pays doctors.  This has forced patients to a) switch healthcare providers, which we all know sucks because you don’t want to leave a doctor you like and you don’t want to have to repeat your history to a new physician; b) switch insurance providers; or c) pay the out of network price to remain with Anthem and with their physician of choice.  I guess if we had a single payer plan, doctors would either make minimum wage and like it, make minimum wage and give me crappy care, or just not be doctors, and I guess that should make me shudder in fear.  But knowing that people in other countries who have a single-payer system still get cared for makes me unafraid.

I find it very interesting that Sen. McConnell is concerned about the government limiting the amount of money doctors can earn, but he wants to limit the amount patients can obtain in medical malpractice lawsuits.  Other than the obvious reason, it’s also interesting because there is no proof that medical malpractice lawsuits are crippling our healthcare system.  A recent article in Business Week says studies show that “comprehensive, nationwide reforms would lower overall health-care costs by 2.3% at most.”  In Texas, where the medical malpractice limit is $250,000, “health-care costs are still among the highest in the nation and are growing at a faster rate than in most other states.”  This isn’t common sense reform if it doesn’t work.

I completely agree with Sen. McConnell on this statement: “We should encourage insurers and employers to expand prevention and wellness programs that have proven to reduce costs.”  If my insurance providers’ underwriters had asked me what I eat every day or how often I exercise instead of only asking about the few things I had seen a doctor for in the past 10 years, they would have found that I’m doing everything I’m supposed to do to take care of myself and prevent heart disease and cancer, the sometimes preventable diseases that cost the most money to treat. And maybe they would have charged me less money (hahaha!).  Again, Sen. McConnell doesn’t address those who are unemployed or uninsured, but on this point he’s right.  As the saying goes, an ounce of prevention is worth a pound of cure, and in this debate, it may be worth millions of dollars in treatment.  If prevention measures included seeing doctors annually, adults would know about problems earlier, which means they could get treated for a minor, inexpensive problem when it’s minor, instead of for a major problem when it’s life-threatening.  It would also keep more people out of the ER, that place they go when they don’t have a regular doctor and know their condition is at a breaking point.

Of course, a lot of the people who end up in the ER are uninsured and/or poor, like many of the people in Kentucky, and I still don’t know what Sen. McConnell’s plan is for those (his) people…

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© Mariam Williams, aka The Pink-Slipped Girl, and The Pink Slip Blog – Living Life Laid Off, 2009. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Mariam Williams and The Pink Slip Blog – Living Life Laid Off or http://livinglifelaidoff.com, with appropriate and specific direction to the original content.  Any use and/or duplication of any photo contained within this blog without express and written permission from Mariam Williams is strictly prohibited.

September 18, 2009

What’s up with lackluster job recruiters?

by Mariam Williams

I know the open job to unemployed ratio is out of control, but do recruiters at career fairs have to look so bored and annoyed with job seekers?

Yes, the unemployment rate in Kentucky is around 11 percent, but I’m thinking, if a job seeker comes to your booth, you could at least pretend like you might want that person to work for your company.  I attended a career fair this week and encountered recruiters who looked like they didn’t want to be there.  They were short with their answers, they looked bored, they wouldn’t elaborate when I asked questions that required more detail, they said they didn’t have any advice for anything beyond what I was already doing, and they said all their information was online anyway.  I expected two recruiters in particular to kick their feet up and begin filing their nails.

Has anyone else had this experience at job fairs? Am I being unfair here? Should beggars not be choosers? Should I just be glad there are still job fairs to go to?

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© Mariam Williams, aka The Pink-Slipped Girl, and The Pink Slip Blog – Living Life Laid Off, 2009. Unauthorized use and/or duplication of this material without express and written permission from this blog’s author and/or owner is strictly prohibited. Excerpts and links may be used, provided that full and clear credit is given to Mariam Williams and The Pink Slip Blog – Living Life Laid Off or http://livinglifelaidoff.com, with appropriate and specific direction to the original content.  Any use and/or duplication of any photo contained within this blog without express and written permission from Mariam Williams is strictly prohibited.