Because It Can Be Done. Because It Should Be Done.
Disclaimer – this is not a political commentary on the recent election, but rather an issue that will clearly be impacted by the results. I will not publish any negative attacking style comments. It is my intent of this post to look for a solution, not just because it can be done. Because it should be done.
November is always a difficult time for me. The first of many negative events that have happened in November, had the most profound effect on me, because it changed the direction of my life forever.
28 years ago, after stalling and deflecting attempt after attempt to get a mysterious lump on the left side of my neck looked at, for more than a month, I stepped inside the door of an “oncologist” having no idea what that word meant, only that I had been referred to the doctor there. Without even greeting me, the doctor began spouting off “Hodgkin’s Disease is a very treatable form of cancer…” Yes, it happened just like that, that cold. To be fair, oncologists cannot afford to get emotionally all wrapped up in their patients, because, well, it is just too difficult with many outcomes with tragic results.
There are some who are reading this, who I actually worked with back in 1988, and are hearing this story for the first time, though they were very familiar with my cancer diagnosis. But as I left the oncologist’s office that evening, contemplating what I was going to tell my fiancé and family, I drove by my employer. I do not know why I did that, but that detour would have a definite impact on whether I would beat cancer.
The drive itself, short in distance, felt more like a drive through the state of Florida. I definitely had no focus other than I had just been told I had cancer, in spite of no testing being done.
As I passed the company store that I worked at, I noticed the light was on in our CEO’s office. It was not uncommon of Jeff to work late. Jeff had taken over the company business from his parents. Very soft spoken, he was still able to convey what he needed done and expected. And just as it had been a “mom and pop” business, he treated his employees like family. So it had only been natural that I was drawn, on the way home, into the parking lot, and enter the store.
I stood in Jeff’s doorway, in obvious shock. As quickly as he said “hey Paul”, his expression of surprise turned even quicker to concern, as he could tell this was not just a social visit. I had explained my doctor appointment to him and what I was about to be diagnosed with. Then we began to talk about what I may need as far as care, and time, anything else. I had health insurance with Jeff’s company, and being only 22 years of age, I really did not know anything about insurance, coverage that a person should have, or even how to use it.
I told Jeff that the doctor was going to send me somewhere else, because his office did not accept the insurance that I had. I am a creature of habit, and once I am introduced or begin something, I follow through. I do not pass the buck to someone else. More importantly, there had been an emotional connection already, and I had begun the process of fighting my cancer, and being told this doctor would not be the one to treat me, did not sit well with me, nor did it sit well with Jeff.
“Paul, first thing in the morning, I am calling our insurance rep, and I am bumping up our coverage to the top plan. I don’t want you being delayed, or being refused anything you need to get through this.”
For those who read this, that were more co-workers back then, Jeff was a good man. He cared about each and every one of us. And on that night, he made a decision that may not have been a smart business decision as far as expenses go, but he made a decision he was able to make, and wanted to make. He did not have to make the decision. But he did. And true to his word, by the afternoon, not only did I have a coverage that would allow me to be seen and treated anywhere, but so did everyone in our company. Because Jeff cared.
Which is why, it is so frustrating to me, that 28 years later, we, as a country, are still arguing over health care for people. For crying out loud, of the two major political parties, the party fighting against health care for all, claims to be Christian based, family values, yet, they do not see fit, that we, as a civilized country, no matter what religion or lack of, we are good hearted people. There is absolutely no reason that anyone should ever be denied medical care. That is not socialism either, that is called us being civil and decent.
Upon completion of my treatments in March of 1990, I would run smack into the wall of discrimination. Employment (part time work to supplement my full time job), life insurance, and so on. I kept hearing the same thing over and over again. “Sorry, but you had cancer.” “Perhaps five years or so from now, we might be able to consider you.” Eventually, an opportunity would come up for me with another employer, good financially, but they would not offer me health insurance. But at that point, I was already five years out from my treatments, so I was not worried about insurance.
As I got older each year however, the need for insurance became a concern for me. And of course, I kept being told the same thing, “sorry, we can’t insure you because you had cancer.” In 1997, I was offered yet another job, which offered group insurance, and since it was a union position, they had to give me the insurance.
Now of course, in the 21st century, President Obama created the Affordable Care Act. On paper, it was supposed to be a good thing because it was going to do what no one else had been able to do so far, and that was reduce the number of uninsured. I was insured already, and the ACA was not going to have an impact on me, so I did not pay much attention to it other than the fact it would finally eliminate insurance companies from discriminating against people who need insurance the most, the sick.
I get it. Health insurance companies are only in the business to make money. And they will not make money if they have sick clients. That is why they denied everybody who had a pre-existing condition. Now, there were a lot of other issues with the ACA, but the good thing that did come out of it, was more than 20 million people finally had health insurance.
That said, the ACA did not solve the escalating price gouging of insurance premiums, price gouging increased of prescription drug prices, and of course, unjustified high cost expenses of for profit hospitals (I remember seeing an itemized bill charging me $30 a day for a pillow following my open heart surgery). But the ACA did do what it was meant to do, get more uninsured people insurance.
It is common sense, it costs less money to keep people healthy, through prevention and proper intervention, than to deal with such extreme health crisis costing millions of dollars to treat. So it makes sense to make insurance affordable to all, so that prevention can become the main driving force towards lowering our health care costs.
This past Tuesday, a historical event occurred. A non-politician was elected President of the United States for the next 4 years. My personal issues for or against Trump, there is one thing about his candidacy that I will not support without some sort of compromise. And I do not want people telling me to calm down or not “jump to conclusions.” I know what I heard Trump say, and I believe his efforts and ability to do so. Whether the rest of the government can prevent the rapid fire repeal of the ACA as Trump has promised – “I promise on day 1 of my presidency, I will repeal Obamacare.” – remains to be seen. Possible cabinet members have expressed optimism that Trump will repeal and replace, but there is nothing available or ready should Trump decide on day 1 to repeal the ACA. And as a cancer survivor, with numerous late effects caused by the pharmaceutical industry from my chemo treatments, I now find myself in need of the ACA because I have no insurance, and many pre-existing conditions.
I will not support any repeal of the ACA that does not spare the pre-existing condition clause, or the college student clause. There are options available to not cause 20 million to lose their health insurance and face death (remember the “death panels” we had been warned about if the ACA was approved but NEVER HAPPENED?). People losing this coverage will die. So if our government must get rid of or modify the majority of the ACA, so be it. But leave the pre-existing condition and student coverage alone. If you feel it must be repealed, then for crying out loud, have the replacement ready first.
My former employer, Jeff, did the right thing as a person, perhaps not as a businessman, but as a person, not because he had to, but because he wanted to do it, because he could do it. It can be done. It should be done.
Paul, this is an excellent piece at this time. I am so grateful for the boss you had. I hope he reads this. I am sharing this as I don’t think many get the importance of what many of us go through. Thanks for sharing this important story.
Lynn, I made sure my coworkers who are still friends of mine, and were when I was sick saw this too. That is why they had good benefits.
Always articulate and so well spoken, Paul. I can only hope that Trump will pull one of his Trump moves and not do everything he said he would do. Word is that he has said on his 60 minutes interview that he won’t repeal ACA until another plain is ready to be put in place – and that he will keep pre-existing conditions. I hope that is true. Meanwhile, I am now thinking that my move to Switzerland was the smartest thing I ever did! Keep the hope alive, you never know.