OmniPod Upgrade: Solo Patch

Slimmer than my current pod... but the big bonus - as you can see on some of the later pictures - is that the default medical adhesive is (WAIT FOR IT!!): hypafix.

Watch the video demo here.

Smart. Smart. Smart. Smart. "Hey, let's make our *default* medical adhesive the one that folks *won't develop a medical adhesive allergy to*!"

Yes. Let's!

These aren't yet for sale (and battling to get insurance to cover them... let's not get into that), but it's fun to see the tech improving for insulin pumps. Looks like there will be a huge cost savings, as the base is replaced every 3 MONTHS instead of every 3 days (the plastic interior is replaced every 3 days with the Solo, but should cost less than replacing the whole mechanism, like you do with the omipod now, every 3 days). Another awesome feature: being able to bolus even without the remote.

And I can get a remote in red!

Love it. Love it. Love it.

I just ordered a demo kit.

Welcome Back to the Ranks of the Uninsured

Last Saturday, I was alerted that UHC had dropped my insurance coverage due to an "administrative" error. I had been completely uninsured since October 1st.

Now, I have dealt with a lot of “administrative” errors at United Healthcare. Every three months, I spend about 6 hours over three days on the phone screaming at customer service reps, their supervisors, rapid resolution managers, *their* supervisors, customer care coordinators, benefit coordinators, and (when you finally reach somebody with any weight in the hierarchy), the actual medical “advisors” who approve and deny my actual claims.

You learn the buzzwords. “Attorney general.” “Lawyer.” “Sue.” “Medical necessity.” “Death.” And, “Gross negligence.”

And in about three days, you get shipped the medical hardware they approved for you a year before.

Yes, I go through this every time I need my medical hardware. But it does get covered. You know, eventually.

Folks who have yet to experience a major medical issue are often ignorant of how insurance companies actually work. They are also largely ignorant of what happens when you get a major illness like any form of cancer, diabetes (including juvenile, the immune disorder that I’ve got),lupus, CFS, or any of the long list of over 30 “uninsurable” medical conditions that – as my shorthand name implies – means that you are completely uninsurable outside a major employer group plan… for life.

Let me say that again:

If you get a chronic illness and/or cancer, any form of cancer, you are TOTALLY UNINSURABLE for at least 24 months. And in the case of certain cancers like leukemia, you are uninsured FOR LIFE outside of an large employer-sponsored plan (so long as you go less than 60 days without coverage. More about that later).

If your employer drops you for any reason – because you’re laid off, because they don’t pay their bill, because of an “administrative” error – you have just 60 days to find major medical coverage through another company, or you will be totally uninsurable for 12-24 months EVEN UNDER AN EMPLOYER SPONSORED PLAN. That’s right: 60 days without coverage and I will have to wait 12-24 months to get insurance covered for the insulin that keeps me breathing. After 60 days, insulin becomes part of me “pre-existing condition” and will not be covered – EVEN UNDER A MAJOR EMPLOYER SPONSORED PLAN – for 12-24 months.

If I bare bones my medical costs, I’m out about $300-$500 a month. Right now, I’m out about $8,000 a year in medical costs with the pump. If I go back to shots and get a cheaper, crappy testing meter (testing strips alone run me $180-$250 a month), I can winnow that down to that $300-$500 range.

And that’s JUST TO STAY ALIVE.

That doesn’t include any preventative care. I’d have to drop my 4x yearly endocrinologist visits, gyno care, urgency care visits for antibiotics, etc. That $300-$500 covers the costs of keeping me breathing.

That’s why I include health insurance benefits in my salary negotiations. If I have a comprehensive plan, I can put up with being paid a little bit less.

But when you drop my insurance… you’ve effectively cut my monthly salary by over $500.

And when you drop my insurance… the clock starts ticking.

I have been uninsured for 17 days.

I have just 43 days to get comprehensive coverage, or I become uninsurable EVEN UNDER AN EMPLOYER SPONSORED GROUP PLAN.

I have been here before. When I was diagnosed three years ago, I had very cheap health insurance with a very high deductible. But I was "insured." And I was about to find out just how incredibly "lucky" that was.

What “insurance” means is that I was out ONLY $6,500 out of pocket for my 3 days in the ICU instead of $30,000.

That’s what being “insured” means. It means you get forcibly fucked, but not gang raped.

Over the next few months (again, as an insured person), I was still spending $300 a month out of pocket for medical expenses. I had a $2500 deductible and 80/20 plan. I was shelling out a lot of hard earned cash to stay alive. But hey, we all need to pay to stay alive, right?

And I was INSURED.

Six months after being diagnosed, I was laid off.

COBRA was nearly $400 a month. Rent was $550. Utilities were $200. Unemployment was $328 a week.

You do the math.

I was forced to either cash out my 401(k) or become uninsured completely.

I cashed out my 401(k).

I started living on expired insulin and reused my needles. I saw my endo half as much as recommended. I did the bare minimum I had to to stay alive.

When money ran out, I moved in with friends in Dayton. I lived in their spare bedroom rent free. I continued to live on expired insulin. I had trouble paying for food. I went almost 30 days without insurance.

I signed up with my temp company’s health insurance plan. It was cheap, and nearly worthless. It covered NO pre-existing conditions for 12 months. It was completely useless to pay for any of my diabetes drugs or appointments or any hospital stays I may incur that had anything to do with my illness.

But by signing up for it, it insured I didn’t go more than 60 days without coverage and become totally uninsurable under a “real” insurance plan.

By the time I got employed at my current job, I had over $17,000 in credit card debt. Over half of that was related to medical expenses. The other half was composed primarily of moving, traveling, and grocery expenses.

At my new job, I got day one health insurance coverage. I paid $20 for insulin and nothing for syringes. Co-pays were minimal. Costs were suddenly manageable. I could start living on non-expired insulin again. I had fewer crazy lows and started seeing an endocrinologist again. Life improved remarkably.

When we switched plans to a no-deductible plan, my health insurance costs went down to basically nothing. I now pay just $50 a month for coverage for J. and I.
It sounds too good to be true…

And, of course, that’s because it sometimes... is.

I spent the first 6 months of the new plan arguing with UHC because my account had some kind of “administrative” error that required me to pay the $1,000 deductible out of pocket instead of through the company HRA. Six months this went on. Six months. After six months, they finally “reimbursed” me for the $1,000 out of pocket.

OK. Fine.

Then came the whole fiasco with trying to get my insulin pump approved. It took a year of Insulet fighting with my insurance company before they got approval. Then once they had approval, the paperwork was filed incorrectly. We fought for weeks over that to get Insulet paid. But every three months, UHC found some reason or another not to send my shipment. The shipment they'd APPROVED a year before.

They couldn’t find my paperwork. Or my paperwork was automatically denied because it wasn’t processed correctly. Or there was now an in-network provider for my pump… but no one had the actual phone number of the in-network provider (it took me three days and six hours of screaming and threats to get… a... phone number. I’m serious).

And now… now I’m 12 days from needing my next shipment, and here we go again.

UHC once again dropped coverage. Not just for me, but for everybody at the company. Just dropped it. “Oops.” Just like that.

And just like that, I’m completely uninsured.

I have $186 worth of testing strips that I need to come up with the cash for next week. I have $90 worth of insulin I need to get the week after that.

And I have 43 days to find insurance again. Or J. and I will be turning off our heat completely and living primarily on rice, hot dogs, and expired insulin.

Welcome to America. We have the best healthcare system in the world.

And this is how it works.

Quote of the Day

"In my view a writer is a writer not because she writes well and easily, because she has amazing talent, because everything she does is golden. In my view a writer is a writer because even when there is no hope, even when nothing you do shows any sign... of promise, you keep writing anyway."

-Junot Diaz

Support of Public Services Health Insurance

Apparently, John Boehner hasn't "met one American" who supports a public health insurance option (you know, like our public postal option, public library option, and public security [police] option). I think our current public services have improved the public good and kept private costs down for the same services, and I believe it will do the same for health insurance.

If you think so too, you can sign the petition here.

It Occurs to Me...

... that I shared a lot more on "teh Internets" when "everybody" wasn't reading it.

Sad.

In other news... I got the biggest of my book checks today! Big CC debt will all be paid off on Monday!

Divide and Conquer

Excellent.

Katha Pollitt Moneyshot

"The widespread support for Polanski shows the liberal cultural elite at its preening, fatuous worst. They may make great movies, write great books, and design beautiful things, they may have lots of noble humanitarian ideas and care, in the abstract, about all the right principles: equality under the law, for example. But in this case, they're just the white culture-class counterpart of hip-hop fans who stood by R. Kelly and Chris Brown and of sports fans who automatically support their favorite athletes when they're accused of beating their wives and raping hotel workers.

No wonder Middle America hates them."

Read the rest.

Someday I Will Be Famous Enough to Fix My Covers

I saw the initial row over this, but somehow the resolution totally passed me by (I don't spend nearly as much time on the internets these days). There are lots of stories about SF/F publishers whitewashing covers. So even if you've got a heroine who's a far darker shade of pale, it's unlikely it'll be seen on the bookshelf.

This was one of those, "Yeah, and this surprises people because...?" But it's important to remember that our silence as authors can be read as complicity. If you don't say something publicly - even if you're fuming - readers assume you're just going along with it. And that's a shame. Because as somebody who has sometimes wanted to drag a publisher out and kick them in the shins publicly, I can tell you I'm not so keen on doing it because it means, you know, I might be out a meal ticket.

That said, I need to choose my battles. Because if I end up with a whitewashed cover someday, I'm going to have to say something about it. Even if it means the loss of a meal ticket. Because at the end of the day, it's about systematic silencing, erasing. It's about lying.

That said - and understanding what JL was up against - I find this to be a pretty cool win.

Bloomsbury backs down in Larbalestier race row

Spicest Soup in the Universe

I made it, I did.

Also, I am back from a weeklong vacation, which was very nice.

And now I have a whole lot of work to do.

My First Podcast Interview!

Podcast interview with me at Buena Vista U! (oh man, I had no idea she was going to use *all* this stuff)

Listen in!

Quote of the Day

"Tarantino, I think, gets a lot of pleasure out of demonstrating over and over again that you can get the 18-45 male audience that Hollywood desires into seats, and you can give them a story about a hyper-competent female hero who kicks ass in every way, and they won’t run screaming out of the theater clutching their balls in fear."

Pretty much...ditto everything she says in this review. It was a fantastic movie, and in my opinion - Tarantino's best.

(read the rest)

Boxers, Before & After Fights

Before and after.

(via Tyim)

Perspective

"He bested the heroes, killed the defenders, overtook the world. Then he killed the narrator and he was the villain no more."
- Vijayendra Mohanty

How (not ) to Write About Africa

I've read Binyavanga Wainaina's essay How (not) to Write About Africa a few times, but here's a great spin on it: How (not) to Write About Africa read by Djimon Hounsou.

(via deadbrowalking)

You can bet this is showing up in a GW book or two....

Moscowitz is founder of the International Security Coalition of Clergy, whose mission is to train Jews in self-defense and advance fighting techniques in the event of a terrorist attack on a synagogue. He says business was slow for his Coalition until May, when the FBI arrested a group accused of plotting to blow up synagogues in The Bronx. But now Moscowitz's 100-hour synagogue self-defense course is in high demand.

Squee

Lena Headey, my favorite Spartan (and second fav Sarah Conner) is playing Cersei.

OMG.

OMG OMG OMG OMG OMG!!!

Quote of the Day

"We're trying to make our life into a fairy tale."

The Importance of Tragedy

One of the things I always thought odd about American taste in fiction and cinema is our aversion to tragedy. Filmmakers, in particular, are constantly changing movie endings for American audiences to "lighten" them up. Many British books just aren't carted over the ocean for the simple fact that they're just "too depressing."

I had a lot of trouble understanding this phenomenon. I figured it had something to do with our belief in the American Spirit and Manifest Destiny. I figured we were terrified of tragedy, and in love with the idea that science and progress and good, god-fearing folks could overcome everything.

But it still bugged me. Because I love tragedy. I love watching the inexorable trudging on events toward a inevitable end knowing there's no way to stop it... but watching our heroes bravely try anyway. I like the cathartic rush.

Then I watched this TED talk with Alain de Botton and was suddenly stuck by what he had to say about our aversion to tragedy. Tragedy, he points out, was created to teach us compassion. Instead of looking at somebody who's down on their luck and saying, "God, she's such a loser. She must have done something pretty terrible to end up that way," we learn the old "there but for the grace of god go I" lesson. We learn that each person who's down on their luck isn't a loser, but merely "unfortunate."

But in America, we don't believe in misfortune. We believe in pulling ourselves up by our own bootstraps. We figure that bankrupt people living out of a friend's house, unemployed, with chronic medical conditions, working temp jobs, are just... losers. Lazy. Meritless. After all, if they worked hard and had merit, they'd be winners, right? They'd be successful American entrepreneurs.

But what our American dream ignores - each and every time - is the influence of tragedy on people's lives. We don't like tragedy. We don't like the idea that sometimes you really do get hit on the back of the head with a shovel for no reason. Sometimes, shit happens.

Because if shit happens, then we can't ignore the bum on the street. We can't plead entitlement for healthcare. We can't just say, "If you don't own your own house, you're a loser," or "if you don't have a car, you're a loser."

Without tragedy, without teaching compassion and morality by putting us all in the shoes of good people who experience bad things, we look down on the poor, the uninsured, the bankrupt, the destitute, with scorn, derision, and not one ounce of compassion. After all, they must have *done* something (or *not* done something) to get there, right? I'm good, I'm hard working. That will never happen to *me.*

I mourn our lack of tragedy.

Excuse me, ma'am, I'm busy trying to figure out which way I'll choose to prevent you from receiving healthcare

In conversation with my mother:

"Well, with this Obamacare thing, we'll all get rationed healthcare."

"Mom, do you even know what `public option' means?"

"The government's taking over healthcare!"

"Mom, the government isn't running healthcare. All they want to do is expand Medicare to cover people who don't have insurance or are underinsured. That's it."

(long pause)

"Are you SURE?"

"Yes, mom. I have a chronic health condition. This is something I actually looked into."

"Well, what's to stop employers from just dropping our insurance then, if there's a public option?"

"Because Medicare SUCKS, mom. Doctors treat you like crap. You still pay copays for insurance. It's a shitty insurance program for poor and desperate people. Nobody fucking wants to be on Medicare. But for poor people, or people with chronic conditions, or other folks who can't afford health insurance - it's *something.*"

"But --"

"Ok, mom. Think of it this way. It's like the post office. You can go to the post office and have a letter sent for cheap, and it takes 5-7 days to get there, right? And you wait in a long line and the employees are surly. Or you can go to UPS or Fedex and get it shipped overnight and walk right up to the counter and everyone treats you great. You still get your letter sent. It's just that the service and speed you get from the post office sucks compared to UPS and Fedex. But! It's affordable. The postal service makes it possible for everyone to send a letter, not just rich people. All they want to do is create an insurance version of the U.S. postal service. And the post office certainly hasn't put DHL, Fedex, or UPS out of business."

"Are you SURE?"

"Yes, mom."

"But... then why do they make it sound like a government takeover of healthcare?"

"Speaking as somebody in marketing and communications, I can tell you exactly what I'd say as a communications manager at a big insurance company... and `government takeover of healthcare' is it. These are the same talking points the insurance companies dragged out back in 1993, the last time we tried to get healthcare reform going. Because the other stuff in this bill - which the insurance companies aren't keen on advertising - is that there's going to be a lot more regulation for the insurance companies. Dropping bank regulations on the banking industry in the 90s helped create the greedy meltdown last year, and having an unregulated insurance industry is what's turning health care into a greedy meltdown. The bill will eliminate lifetime caps on coverage and force them to cover people with pre-existing conditions (among other things). These companies make billions of dollars a year. This is their marketing strategy. Tell people the government's taking over healthcare, and people freak out. I do a lot of marketing stuff. I provide people with a lot of talking points. Now think of somebody who's making about 8 times what I make sending press releases to every talk show host and major news outlet in America about what's become a totally political issue and spending millions in money lobbying your representatives. Scary talking points make much better news than `expanding Medicare.' People who are afraid are really easy to manipulate."

"Well, I just don't know how it'll all turn out."

"I don't either. But it'll be really interesting to find out."

(for those interested, here is the actual latest version of the bill. Wiki-like forum where you can actually comment on diff't sections of the bill. Very cool.)

Real News

"After months of committee meetings and hundreds of hours of heated debate, the United States Congress remained deadlocked this week over the best possible way to deny Americans health care."

I love The Onion.