KT-NICHOLS-13   43,017
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Medical Coverage in America - it's not fabulous for us Fatties

Thursday, May 06, 2010

I've been trying to obtain different medical coverage for myself and include my husband. If approved it would be a great cost saver - that's a big IF.

Insurance companies in America do not like to provide coverage for fat people- yes, it's that cut and dry. They find we are a risk - to much of a risk. I pay an extra premium for my individual coverage with Anthem Blue Cross because of my weight, so it's a high monthly rate. It can only go up when I turn 40 in August - you know because I will still be considered fat and then old. NICE!

My insurance broker assured me that the process with this "other" company is easy, no big deal. Fill out the form, he'll submit it, they'll talk with me a bit and then I'll be approved. HA! I actually laughed out loud when he was so matter of fact about it. He was perplexed, so I asked him if they had a height/weight chart. They do, of course!

I did what they asked and a little more but yet that isn't good enough. This company wants to send a third party out to my house to give me a physical and take blood. Great! If I weigh high that day - outside their little chart - they deny coverage immediately.

All I can do is hope for the best, eat right, workout, and pray. If I'm denied coverage due to weight I at least will have my coverage with Anthem. I need to get my husband covered as well, at least until he finds a job that has a group plan.

Deep breath, in and out, in and out. I can do this! I'm Off to the gym for that fabulous Step class, ab class and then a 20 minute walk home.




  
  Member Comments About This Blog Post:

SINCEKINDER 5/9/2010 12:25AM

    I have come across the same thing for life insurance. This was before I started to have issues with my knee. I was healthy in every aspect except for being too fat. I was declined due to my height/weight ratio.

Many employers will not even consider over weight people. There is a lot of discrimination out there.

I wish you all the luck, hopefully your husband will get his job and this won't even be an issue for you all.

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SAMPEANUT 5/6/2010 10:10PM

  It's not fair that anyone should be unable to get health care because of weight. It's discrimination!

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DESERTFLOWER8 5/6/2010 8:54PM

    That is just so disturbing. I grew up in Canada so I am used to their heathcare. I have lived in the States for years now, and was covered under my ex-husbands plan, but due to a recent divorce, I now find myself without any healthcare coverage at all. And I know damn well I cannot get any, and if I could, I could not afford it. Something wrong with that...

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More thoughts on my 40th Birthday Celebration

Thursday, May 06, 2010

As I stated in an earlier blog, I have come to realization that my dream of spending my 40th birthday in Australia is not going to happen. I've processed it and I've let it go. I'm on to more important tasks now, trying to figure out what to do for this special time in my life.

In my fit of anger, I originally announced to my husband that it was either Australia or nothing. He sat quietly and then asked, "you mean you want to do nothing for your birthday?"
"YES, that is correct Sir, Nothing!" How's that for self punishment and pity?! I told him I would work on my birthday - not that uncommon for me - and come home to cook dinner, etc. He responded with silence, which is a good option when I'm all "twisted in the head."

My fit is officially over and I'm no longer twisted in the head about this issue. I have to keep in mind the following when planning for the day. . .
1) For many reasons, pennies are tight around our house - this celebration changes nothing
2) My husband, unemployed now, might have a job where he can't actually get the day and/or days off to celebrate
3) Who to invite - some of my peeps don't play well together

My list of possibles has grown since I last posted about this. Here is the list - in random order.
1) White Water Rafting (Class III action) with overnight camping
2) Spending a few days at Folsom Lake where we can swim, hike, bike ride and rent jet ski's
3) Hiking at Yosemite National Park & staying over (this might be difficult - things book up)
4) Cruise to Mexico (might be too much $$ and hard to plan around possible job offers)

I haven't come up with anything else, yet. It's fun to explore possible ideas!

  


Where does your city rank?

Wednesday, May 05, 2010

Just read an article called "The Fattest Cities" on msn.com

health.msn.com/weight-loss/articlepa
ge.aspx?cp-documentid=100257787>1=31036


I live between San Francisco (Grade is A+) and Oakland (Grade is B+) as far as a ranking of the Fattest Cities is concerned.

I don't know what it all REALLY means but they run these numbers for a reason. Take what you want from it but get out and move a little more and stick to your healthy lifestyle.

I'm on day 2 of high energy so I'll be walking during the day AND hitting the gym tonight for more beloved cardio.

  
  Member Comments About This Blog Post:

KT-NICHOLS-13 5/5/2010 4:43PM

    TAZZY, your new city actually ranks better than the previous one. emoticon

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TAZZYM150 5/5/2010 3:24PM

    I live in the 38th city. I use to live in the 10th. Guess I am going down. lol

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Days like this

Tuesday, May 04, 2010

It's days like this that I am reminded that there can be good days. Days (even moments) without fatigue, I just wish there were more of them strung together. In due time is what Doc tells me. I'd like a fast forward button to get me to that time and place!

I love days like this! And with Step class at 6:15, I have nothing but smiles and giggles today.

Hurray for energy - it is a natural high!

  
  Member Comments About This Blog Post:

MOONSWEEPER 5/5/2010 12:37AM

    I hope you enjoyed the rest of the day and your step class!

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Creating a New Vision

Monday, May 03, 2010

Over the weekend my mood, temporarily, went dark and cold. I realized while talking to my husband that my 10+ year dream of going to Australia for my 40th birthday is not going to be realized. Funny how one comment or conversation can change a mood so drastically.

It has been a life long dream of mine to go explore Australia, even high school friends remember my passion for going down under as early as grade school. Finally, as a young adult making mere pennies I decided to set up an Australia savings account and feed that account whenever I could. It grew and grew as did my hopes and dreams. I protected that account against all odds!

After hours of silence I finally looked at my husband and with tears in my eyes and shaky voice I told him that I must create a new vision because my old dream had just died. The account still exists - I'll continue to protect it - but it will not be used on my 40th birthday.

I still get a little teary eyed when I think of my lost dream but today I decided to turn it around and create a new vision. I'm not sure what it will look like, yet, but I've started to explore.

At the top of the list is white water rafting up North - a class 3/4 trip, if possible. I've been before, many a year ago, but my husband has not. The possibilities are endless and I shall create a new vision and celebrate my 40th in style!

  


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