Hold on, hold on, hold on

by Kate

I was in a car accident on November 2nd, 2011.  It was the other driver’s fault.  His insurance company doesn’t see it that way, and is refusing to pay out for my medical bills or the loss of my car.  The lawyers I’ve spoken to agree with me, but my case isn’t strong enough for them to take on.

I am in pain.  Every day, I am in pain.  I have a headache every day  My shoulder feels like I’m being stabbed.  My back hurts.  Every day.

To get on disability, I need to verify that I am injured.

To hire a lawyer, I need to verify that I am injured.

To verify that I am injured, I need to see a specialist.

To see a specialist, I need to get into a low-income healthcare program.

I have been waiting to get into the low-income healthcare program since February.  They were supposed to mail out my card two weeks ago.  As of this morning, they have not mailed out my card.

Even with the mythical card, I will still have a $500 deductible, every month.  This means that I will be responsible for the first $500 of my medical care.  And it resets each month.  And each month, I need to reapply.  So if I need to get tests or treatments, I need to pack them all into the same calendar month so that I don’t have to pay more than $500 out of pocket.  And I don’t know how I’m going to scrape together $500, anyway.  But it’s better than not having any coverage at all.

I make $10 an hour.  I work as close to full-time as I can.  I am always in pain.  The work I do, while simple and not particularly physical, aggravates my injuries.  I can’t afford to not go to work.  And my job hurts me.

So I spend a lot of time on hold.  I make a lot of phone calls.  I have to be a tireless advocate for myself when I have never in my life been so tired.

I get out of bed.  I go to work.  I make the calls.  I get put on hold.  I wait, and wait, and wait.

I don’t know what to do but keep trying.

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