It is now official. I hate health insurance companies more than I hate the high cost of health care. I appreciate the emergency room that saved my son’s life a year ago in February. But I am still trying to pay for it. I am practically bankrupted by five ER visits in the last four years. Only one of those was mine. Health insurance does not approve ER costs for a whole list of health problems. And that was a better insurance than we have this school year.
In order to get my son out of the Health Facility that the ER sent him to, I had to arrange a doctor and a therapist before they would even discuss releasing him. I did that. My son reached a level of recovery that they could have authorized his release after one three-day weekend, but of course, the kept him for ten days… all of which I had to pay for out of pocket at hospital rates. The doctor I arranged for saw my son every three months after that to maintain his recovery and prescribe the best possible medicine. He was one of the best doctors in his field and he helped immensely. The therapist was even more helpful, being able to teach my son how to handle the symptoms and complications of his condition. He was also worth his weight in gold.
But then the State of Texas decided the health insurance that teachers got through their school districts on State funding’s dime was much too good. The wise and noble Emperor Perry of Texas decided to hand State employee health care over to Faetna ( a fake name that rhymes precisely with the corporation’s real name if you just drop the letter F). Wonderful doctor does not even deal with the pirates of Faetna. They swing into any and all health care situations on boarding ropes and slash at anything that moves with their cutlasses of problem-making. So I had to get a new doctor. The doctors in this particular field of medicine are not abundant to begin with. Aetna… er, I mean Faetna, decided that we could only use doctors that were associated with the same hospital where we visited the ER. Well, I asked them to give me names of the doctors who qualified. I got three names. I made an appointment. We were filling out the paperwork in the doctor’s office twenty minutes before seeing the doctor. The receptionist interrupted after I had half-way finished the mountainous paperwork to tell me the insurance had rejected payment. This doctor that THEY had recommended to me was not a part of the approved network. They took Faetna insurance, but Faetna refused to pay. The same day I called the other doctors on the list. No doctor recommended to me by the insurance company was part of the required plan. There were no doctors in the city who did qualify.
Okay. It can’t get worse. We still had the therapist who was working miracles for my son. He took Faetna insurance. There was no problem there, right? But wait. The pirate captains of Faetna took another look. They started rejecting his claims too. Soon there was a huge yellow envelope full of demands for clinical records to justify the need for the therapist. I went to the ER, to the wonderful doctor, to the hospital in Denton where they were still taking my money away from me, and to the therapist himself. We gathered documents. The lovely hospital charged me $50 for paperwork and made me drive all the way there to Denton twice to accomplish it. I got all the materials compiled, overnighted them to the insurance company’s disapproval department, and everything should’ve been fine. But. of course, it wasn’t. The claims for services were denied. I am expected to pay out of pocket. They found no clinical evidence that the services were essential and they insisted I pay the bills without help from them.
So, I am left marveling at the ingenuity of the insurance-pirate racket. Every month we pay for all five us, hefty premiums because we have health issues that need to be prepared for, and when the problems arise, and we ask them to pay their promised share… we have issues, and we get denied. I have been shanghaied by the pirates of Aetna… er, I mean Faetna.












































Self-Reflection
Every writer, whether he or she writes fiction or non-fiction, is really writing about themselves. The product originates within the self. So, that self has to gaze into the mirror from time to time.
So, the question for today is, who, or possibly what, is Mickey?
I have been posting stuff every day for a few years now, and in that time, I have been much-visited on WordPress. Maybe not much-read, but then, you cannot actually tell if somebody read it or not. Most probably look only at the pictures. And, since I am also an artist of sorts, that can also be a good thing. Though, just like most artists, my nude studies are more popular than the pieces I value the most. But unless the looker makes a comment or leaves a “like”, you really have no idea if they read or understood any of the words I wrote. And you have no idea what they feel about the art. Maybe they just happened to click on one of my nudes while surfing for porn.
I rarely get below 50 views of something in my blog every day. The last three days were 86 views, 124 views yesterday, and 88 views already today. My blog has definitely picked up pace over the length of the coronavirus quarantine. But no definable reason seems obvious. Some of my posts are polished work, but Robin is right when he says today’s post is merely fishing with the process, which is true almost every day.
As a person I am quirky and filled with flaws, pearls of wisdom that result from clam-like dealing with flaws, strange metaphors that shine the pearls, and obsessions like the one I have with nudism that leaves me properly dressed for diving for pearls.
I have demonstrated throughout my life that I have an interest in and experience with nudism, though not the boldness to parade my naked self before the world outside of the writing that I do. I also spent most of my bachelorhood dating reading teachers and teachers’ aides, finally settling down and marrying another English teacher. I completed a thirty-one year career as an English teacher, which means I spent a lot of time teaching writing and reading to kids who were ages 12 to 18. Twenty-four of those years were spent in the middle school monkey house. And all of that led to being so mentally damaged that I wasn’t good for much beyond becoming a writer of YA novels or possibly subbing for other mentally-damaged teachers in middle schools around our house.
A real telling feature of what I have become is the fact that most of the characters I write about in my fiction are somehow a reflection of me. Milt Morgan, seen to the left, is illustrated here with a picture of me as a ten-year-old wearing a purple derby. Yes, I was that kind of geeky nerd.
And most of the plots are based around things that happened to me as a child, a youth, or a young teacher. Many of the events in the stories actually happened to me, though the telling and retelling of them are largely twisted around and reshaped. And I am aware of all the fairies, aliens, werewolves, and clowns that inhabit my stories. Though I would argue that they were real too in an imaginative and metaphorical way.
So, here now is a finished post of Mickey staring into the metaphorical mirror and trying in vain to define the real Michael, an impossible, but not unworthy task.
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