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Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Sunday, December 18, 2022

 Christmas Symptom Countdown



It’s been a year since I retired. And now that the pumpkins are packed away and Christmas is hovering just around the cranberry sauce comes the season I anticipate all year.

The joyous season of “I’ve Met My Medical Insurance Deductible” is upon us.

The beginning of Advent marks the time allotted to visit all the doctors who have an interest in my health plan before New Year’s draws the curtain and the annual Rite of CoPay It Forward begins anew. It’s a lottery of how many doctors I can fit on my physical symptoms Bingo card before December ends and that mysterious rash goes unrequited. I count down with my Days of the Week pill caddy.

 

It seems like I’ve won the medical specialist lottery. These days I collect professionals whose titles end in -ist like TikTok followers collect new dance moves. I keep cardiologists in my contact list the way the Kardashians keep cosmetologists. My days rotate around medical tests. The Cologuard people send me flowers on my birthday and the local mortuary offered me a discount on my final arrangements.

 

It wasn’t always this way. The second I lit that 60th candle on my birthday Triple Decker Hot Fudge Chocolate Madness, my knee went out, my heart skipped a beat, and the skin in my neck draped over my chest like Spanish moss. I used to toot my own horn; now I can’t lift my knee without banging my gong.

 

I’m not the type that revels in sickness to get extra attention. I’d rather shave my legs with a cheese grater than have a well-meaning Boy Scout help me across the street. If I want somebody who worries about my every need, I’ll trade my cat for a Golden Retriever.

 

I’m the youngest sibling in my family. Now that we’re all retired, our family potlucks have turned into a medical version of Rock, Paper, Scissors.  Neurologist beats Cardiologist, Cardiologist takes out Orthopedist, Oncologist wipes out Neurologist. We swap for medical supplies instead of gifts. Last year I got the grand prize. It was an enema kit and a picture of George Clooney.

 

I can hardly wait for the results of my physical to let me know what I can’t eat this year. Carbs are out, sugar is out, salt is out.

 

Maybe I’ll just go out.

 

Merry Christmas to all. With no side effects.


Saturday, May 7, 2011

The Legacy

Happy Mother's Day to my mom who is busy weeding Heaven's vegetable garden. Time hasn't helped much. I still miss you, Mom.


As far as legacies go, my tastes lie with something simple, like a check. Or stock. Or heirloom china. Unfortunately Mama wasn’t the heirloom china type. What I got when she departed for the peaceful place where mothers don’t have to cook, clean, or say, “If I told you once, I told you a million times,” was not the inheritance I assumed was my birthright. What she left me was the very thing I was the least qualified to handle. Wisdom.

Giving me a lapful of life lessons is like tossing me a copy of the Atkins diet and a size six sheath dress and telling me the party starts at seven. You may as well shove the plans for building a biplane into my arms and tell me to be in Paris by midnight. When it comes to legacies, it’s best to just go ahead and hand me a gold bar.

Now that I’m in the stage of life where good advice usually involves a recipe loaded with fiber, I realize that what Mama left me was a handbook for life. Thanks to the seeds my mom planted in the rocky garden of my mind over the years, I’ve sailed through many of the stormy seas of life without having to evacuate to life boats. Turns out Mom knew best all along. Here are Mama’s Rules to Live By—along with some of my own observations for those who, like me, have trouble following directions.

1. There is something to love in every person. However, there are some people who hide that something really well. Actually, Mama just said that first part. I learned the second part from my sister.

2. If you rip a page out of your brother’s comic book, he can rip a page out of yours. This is a mother of four’s version of The Golden Rule. I learned to treat friends, family, and their possessions with respect. And I’ll never know what happened to Archie and Jughead that day at Riverdale High.

3. Give a child two cookies; one for each hand. This is a smart idea because it keeps the child busy for twice as long, diverts him from "helping" with your biscuit dough and prevents you from having to walk every morning for a week to work off two cookies that you would have eaten to relieve stress if your child had two hands free to plunge into the dog's food.

4. Don’t honk your horn at anybody. At first I assumed this was Mama’s version of traveling etiquette, but now I realize that she understood road rage long before anyone held up traffic trying to read road signs through the wrong part of skinny designer bifocals.

5. Always have a skill you can fall back on. By this, I know now that she meant a skill that will continue to be of service to the Community of Man. Unfortunately the skill I chose was typing, which caused typewriters to immediately become extinct.

6. If you’re not tall enough to see out the car window, sit on a pillow. Improvise. Adapt. Overcome. Even the Marines agree with her.

7. If something particularly unpleasant is happening to you, there’s probably a lesson involved. Wade through a puddle or two on the linoleum and you’ll remember to let the new puppy out. You’ll also remember to buy a mop.

8. Don’t sell things you can give away. That might not make sense in an e-Bay world, but knowing that someone who needs it will have a warm coat for the winter goes a long way toward offsetting the thrill of bagging $1.50 for your old hula lamp in an online auction.

9. Play to win. Unless that gets in the way of playing for fun. When playing Scrabble with an elderly woman who can’t see past her elbow, give her a break if she thinks she drew five blanks. Come to think of it, that’s how Mom always won at Scrabble, so there’s probably an extra lesson tucked in there.

10. Always take time to watch the birds at the birdfeeder. Time spent with nature is a peace of mind investment. And last winter, a tiny chickadee who muscled his way through a crowd of rowdy cardinals to have lunch gave me some great ideas for handling the next family reunion. And the big project due at work.

11. Don’t worry, it’ll get worse. This was my mom’s slogan. When I was three and ran to her with a skinned knee, she said it. She was right. I broke my arm. When I was thirty-three and getting divorced, she said it again. And soon my kids became teenagers. But by then, I had it figured out. If things can get worse, the problems that seem overpowering right now aren’t the end of the world. Things can also get better. So if teaching two teenaged boys to drive and adding them to my insurance is the worst life has to offer, I can handle it.

But I sure wouldn’t turn down a check.

Tuesday, April 20, 2010

Hold It!

Some days you have to fight to hold on, even as you’re on hold. The scene: a small office, an injured worker, a secretary. Pleased to meet you. I’m the secretary.

Me *dialing the Insurance Company (referred to in the future as The Defendant) listed in large print on our official Insurance Policy, and assuming a pleasant, yet professional Secretary Barbie voice*: Hi! I have a Worker’s Comp case here. What do I need to do?

Insurance Professional: We don’t handle that. You’ll need to call our claims administrator. They can tell you everything.

Me: Okay. How do I reach them?

Insurance Professional: Call this number, ask for Brandon. *Amy ponders the fact that this sounds a bit like a clandestine drug drop, but decides to play along for the sake of the employee, who is beginning to swell. * "Oh, and you’ll need an Injury Report Form," the Insurance Professional whispers confidentially.

Me: How do I get one?

Insurance Professional *Amy imagines her waving a hand vaguely into the air in the approximation direction of Brazil* They have a website. . .

*Amy Dials New Insurance Professional*

Me: Hi! I have a Worker’s Comp case here. This is a very small office and we’ve never had to file a claim before. I’m supposed to ask for Brandon.

New Insurance Professional: It doesn’t matter who you talk to. You just need to file a claim.

Me: Okay, How do I do that?

New Insurance Professional: I’ll find someone in claims. *Amy makes mental note to apply for job in insurance industry.* You need a claim number. *Puts Amy on hold. No music. No cheerful voice. The sound of a phone echoing in the distance continues until Amy considers retirement and begins to create an online advertisement for her replacement.*

New Insurance Professional comes back on line: You need to verify your policy number. *Amy does this and is rewarded by the ringing phone of doom for another few hours. My fingernails now need trimming and I could use a hair cut and leg wax.*

Another New Insurance Professional comes on line: Hello. (No cheerful voice. No “How can I help you? She sounds as if she’s on an IV Valium drip.)

Me: I have never had to file a Worker’s Comp Claim. I need a claim number.

Another New Insurance Professional: We don’t give out claim numbers.

Me: That’s fine. I just need to send our employee to the doctor. What do I need to do? (Amy is thankful the patient is not spouting the spurty kind of blood. So is the patient.)

Another New Insurance Professional: I don’t think we give out claim numbers. I’ll ask my supervisor.

Me: I just need to know *Amy interrupted by her arrival once again on the Insurance Hold System which equates with Dante’s Seventh Level, the one populated by people who could not pass the Wal-Mart Greeter test. This time, however, she is serenaded with music from Casper the Friendly Ghost. Okay maybe it’s not Casper, but it’s not Mozart either.*

*Amy organizes pencil drawer, stacks post-it notes according to color, and alphabetizes contents of candy dish. Just as she tears page off calendar and resets clocks to daylight savings time, her old friend comes back on the line.*

Another New Insurance Professional: Yeah, we don’t give out claim numbers.

Me: That’s fine. What do I need to do to get this employee seen by a doctor?

Another New Insurance Professional: You can call in the report.

Me: Should I do that now or later?

Another New Insurance Professional: Yes.

Me: So I need to call you later?

Another New Insurance Professional: You can. Or you can do it now. * Amy holds phone away from ear. This kind of stupid might just seep through the phone line. Just my luck, to avoid swine flu and get struck down by this. *

Me: So I can do it now?

Another New Insurance Professional: If you want to. Whenever. At your convenience.

Me: So I can send our employee to the doctor and then call you?

ANIP: If you like.

Me: Do I need to ask for you? *Please, God, no* What’s your name?

ANIP: Beelzebub *This is not entirely accurate. I changed names to more accurately describe the situation.*

Me: So she can just go on to the doctor.

ANIP: Well she needs to go to an Urgent Care Facility.

Me: So she doesn’t go to her own doctor? How clever of you to mention it.

ANIP: Yeah.

Me: I don’t have a claim form.

ANIP: Well you can just call. . .

Me: Got it. Thanks so much for your assistance.

* Amy terminates the call and considers terminating the Insurance Professional but is leery of being placed on hold indefinitely and doesn’t think she can hold out much longer. *

Employee: So what do I do?

Me: Hold on.

Tuesday, May 19, 2009

Dog Days

While I chased word count, Son One, The Zombie Slayer, whiled away his time decapitating The Undead.

“I killed another one,” he announced in the same tone of voice Howard Cosell would say, “another knockout for Mohammed Ali.”

He gestured smugly toward the TV. “I cut his head off and he can’t see me. Now he’s wandering around the swamp attacking cattails.”

I left a participle dangling while I paused. You can kill the undead? I realize we’ve made great strides in modern medicine, but this seemed a bit farfetched, even with insurance.

I paused in my frenzied attack on the keyboard and peered at the television screen. Zombies were meandering about their virtual world, fencing with random inanimate objects. “Why don’t you finish him off?”

Meanwhile the headless nonhuman took a futile swing at some nearby foliage. A battle ensued during which the zombie filled the air with random slashes from a deadly blade before tripping over a strand of swamp grass.

“I can’t do it. He’s just too cute.”

This from the kid who teased me unmercifully when I cried at the Budweiser Clydesdale commercials. He also remained unmoved when the uncles took out the barn—and themselves—in the movie Secondhand Lions. But let a herd of headless zombies thrash about in the tall grass and his heart turns to mush.

I shrugged and returned to my composition. Everybody has a purpose. Mine is writing essays about unsuspecting family members. His is cleansing the world of the undead.

About that time the dog entered the room, circumnavigated the video game area like Magellan on a world tour, heaved a sigh, and collapsed on the floor at my feet. If he were a teenager he would have rolled his eyes and sighed, “There’s nothing to do in this house.”

I cleared my throat. “Back in the real world, the dog wishes someone would take him on a walk.”

Son One paused in the midst of mayhem. “I’d do it Mom, but I’m at a critical point. I must turn people into chickens.”

I saved my document and retrieved the big Lab’s leash from a hook near the door. “C’mon fella,” I said as he pulled himself up like the Kraken rising from the ocean floor.

About that time I heard frantic barking and saw a virtual dog run up to greet my son’s character onscreen. He was cute enough, but didn't have near the tail action that comes with a real life Labrador.

“You can play with a fake dog, but you can’t take your lifelong companion on a romp?”

“There’s a big difference, Mom.” Son One paused as he decapitated another zombie. This one doesn’t chew up my shoes if I forget to take him outside.

“Maybe not. But this one can leave surprises you can’t get off with a power blaster.”

Son One pushed a button and the screen went blank. He met the dog at the door and they disappeared down the driveway together. If the boy were canine, his tail would be wagging, too.

It just goes to show that you can always improve yourself with a little Lab work.

Happy Birthday, Ry.

Monday, December 15, 2008

Grasping for Gusto

The day I turned 40 I put on yesterday's socks. I poured YooHoo on my cornflakes instead of milk, ate brown sugar out of the box, and thawed the meat for dinner on the counter. Just call me Wild Thing.

“What’s got into you?” asked Raelynn, shaking off her umbrella as she stepped into the kitchen. Raelynn was born with a manicure and a perm. She's never experienced the aggravation of a hangnail or the embarrassment of unruly frizz.

“I’ve decided to revel in life. I’m not getting any younger. I’m going to do all the things I never let myself do before. Is it raining? Watch this.” I skipped out the back door and frolicked in the raindrops, kicking and splashing through baby puddles in the driveway.

“I wouldn’t do that if I were you,” Raelynn said as held the door open for me.

“Why not?”

Suddenly I slipped in the mud and landed right on my bottom step with a hearty thud.

"Life might begin at 40," she laughed and helped me up. "But good insurance is forever."

Thursday, July 10, 2008

Is The Nest Half Empty or Too Full?

After carefully analyzing the results of a scientific study held in my living room over a period of last Saturday, I have come to the conclusion that the theory of the empty nest is a myth.

According to the bogus empty nest theory, a parent’s house becomes empty of radios blaring the theme to Iron Man, cell phones with top ten ring tones, and empty pizza boxes for extended periods of time such as between 11:00 p.m. and 2:00 a.m. on Friday nights. The house becomes strangely silent and can be used for random activities such as sleep or dialing the local hospitals to see if the nestling is lying about in a luxurious private room racking up enough charges to bring on a personal visit from your insurance adjustor.

For a while I had one left in the nest and one fluttering about in the nearby vicinity, but my lesson came quickly: Nests are never half full. It only takes one teenage bird with a cell phone and video game controller to make the nest party central for every chickadee in the treetops. It’s an amazing fact of nature that the human teenagers can actually produce more human teenagers. This happens at an alarming rated equaled only by the number of dirty dishes that appear in the sink the moment you turn on the dishwasher, or laundry that appears in the basket when you wash that last load of delicates.

I’ve decided there must be a transmitter of some type in the video game controller. Whenever the thing so much as aims at an alien at my house, teenage boys come swarming in through the doors like house flies in July. They buzz around the kitchen soaking up beverages and spare pork rinds and settle on the living room furniture, rubbing their hands together while their gaze fastens to the onscreen action. I think they’re attracted to the light.

My own nestlings have recently performed evasive maneuvers; the one that was here is gone and the one that was gone isn’t. I’m not sure what that will mean in terms of luring more of the flock to my perch, but I have a bad feeling that there’s a team of swallows out there ready to migrate. I've seen Alfred Hitchcock's movie, The Birds. I’d better stock the refrigerator.

Thursday, February 28, 2008

Yoga As A Second Language

Lately I can’t perform the Trying to Tie My Shoe Dance in the privacy of my own grocery store without a friend pointing out snippily that yoga would strengthen my core muscles and give me balance.

The only core I care about is at the center of my candy apple. At my age, self improvement is just another name for “Deductible” on the insurance forms.

For the Shoe Dance, I just stretch down toward my foot and simultaneously raise my Reebok while hopping on the other foot and trying to catch my shoestrings. I don’t need yoga, I need higher shoes.

However, in the spirit of avoiding the “I told you so” song performed by a choir of the sagest of my friends and family, I decided to learn some yoga lingo. I figured it wouldn’t take a bloomin’ Lotus to convince them to take their Downward Dog faces somewhere else.

“You need to work on your asanas,” my sister perked.

“Well yours isn’t getting any smaller, either,” I snapped.

“No, I mean your poses. Start with some Sun Salutations for warmup and work your way through.”

“Through what? Do I have to greet everything in the sky? There’s a bird up there that I am NOT speaking to until he cleans up my car."

I decided that as a modern woman who once engaged the delivery room nurse in hand-to-hand combat over the rights to the Demerol, I should create my own yoga positions. Poses that would fit in with my graceful and elegant, if slightly advanced, lifestyle. I’m including them here because my goal in life is to help other people. Also, I have a camcorder and a lifelong wish to win the big money on America’s Funniest Home Videos.

Here are my innovations. Be sure to notify your children before beginning any new exercise program as they will want to call in friends to help them make fun of you.

Down with the Dog Position: Stretch as far as possible across the bed until you can at least touch the dog, who is presently indulging in a flagrant violation of house rules by reclining dreamily and just out of reach on the bed as if he’d received an invitation from Lassie for Dogs Rule Day. Smack at his paws with the tips of your fingers until he rolls his eyes, sighs heavily, and jumps down in exasperation.

Tiny Print Eyeball Squint: This is an exercise for the muscles of the face. Try to read the answers to yesterday’s crossword puzzle in the newspaper without wearing your glasses. Squint eyes tightly, wrinkle your nose, and draw the upper lip toward the wild hairs sprouting from your eyebrows, furrowing your mustache attractively. Pull newspaper so close to your face that you could inhale the letters off the page, and repeat the exercise. Extend arms to full length, leaning to one side to allow more light onto paper. Repeat exercise. Give up and roll up paper to use later during Down With the Dog position.

Crossed Legs Sneezing Position: As a mother of two children, I am at the time of my life where a single sneeze can cause an embarrassing fashion disaster. (During cold and flu season I leave a change of clothes in every room, two in the trunk of my car, and an extra pair of stretchy pants in the glove compartment.) I find that the following exercise eradicates the dangers of a water hazard should respiratory systems erupt during a heated discussion at a PTA meeting. When a sneeze threatens to attack, quickly cross one foot carefully over the other and squeeze the thighs together like lemons at juicing time. This exercise may draw unfriendly comments from the crowd, but allows you to put off the purchase of Depends for a little while longer.

Late for Curfew Aerobics: What good is an exercise program that doesn’t elevate your heart rate? When your teenager is out past curfew, sprint to the window every five minutes to check for their car. Sprint to the telephone and snatch up the receiver to see if there’s still a dial tone. Sprint to your purse and dig for your cell phone to see if there’s a message from the Sheriff. When the errant teen finally wonders in, indulge in a rapid toe tap while crossing the arms over the chest. Breathe in and out quickly to stimulate blood flow from your face, which now resembles the surface of the sun, to the heart. Produce an atom-splitting tirade on House Rules to cleanse the body of impurities.

Corpse Pose: This is an actual yoga position designed for total relaxation at the end of a workout. The body is stretched out on the floor much like a murder victim on CSI. I recommend using this pose on that teenager that just came in late.

Wednesday, January 23, 2008

For Whom the Phone Rings

A cell phone is an incredible invention, designed with amazing technology by intellectual minds, so that our children, who normally count screaming “Front seat shotgun” as they race to the car as interpersonal conversation, can talk to us in the bathroom even when we're not at home.

With high hopes for a goal of widespread family communication in the new year, I finally submitted to the cell craze and bestowed the most basic instruments upon the family, admonishing the kids that these phones should be used only in cases of dire emergency such as a vehicular crisis more severe than a broken radio knob, physical injury resulting in the use of the family health insurance, or an unbelievable shoe sale at the mall.

Minutes later I received a text message from my oldest son who was located directly across the kitchen table, typing furiously on his new phone’s keypad. During several attempts to read the message, I managed to call myself twice, change the screensaver, and turn on the speakerphone function.

“Mom, just press this button,” the Alexander Graham Bell of the electronic age reached across and tapped the keypad. With a resounding beep, the message leaped to the screen.
“Pass the potatoes.”

New rule. No more text messages between people who are close enough to cut each other’s meat.

On my next trip to the mall, I visited the convenient restrooms thoughtfully located in the luau-themed food court. Hanging my purse on the pineapple, I assumed the classic public restroom hover-squat recognizable to health-conscious women everywhere. Suddenly, the unmistakable sounds of Beethoven’s most famous four notes exploded against the ceramic walls. DA DA DA DUN! I wanted a ring tone I could hear. I picked one that climbers sheltering from sudden storms on Everest could hear. I looked up. My purse hung tantalizingly above my head like an overripe coconut on a palm tree.

If I could kick the bottom of the bag, I could knock it from the hook to the floor and retrieve it with the toe of my imitation leather flower-bedecked thong sandal. I reached out tentatively with one shoe and immediately appreciated the disastrous results of stretching further.

DA DA DA DUN!

An attempt to use the spare roll of toilet paper as a projectile also failed.

DA DA DA DUN! Beethoven played on, more insistent with every note.

In desperation, I lunged for my purse, grabbed it off the hook and fell back in place just as the automatic flusher sensed evacuation and commenced operations. I pulled the phone from the depths of its nest and flipped it open with a flourish. The caller was my firstborn son, obviously in some turmoil that only his mother could resolve.

“Hello?”

“Mom, do we have any clean spoons?”

It figures. To me, crisis avoidance is saving my skirt from the self-flusher. To him, it’s getting a snack before CSI comes on.

Sunday, December 2, 2007

Cart Wheeling

Not long ago, I had a near-death experience in the grocery store. I was bending over to check out Mrs. Fields’ fat grams when a woman wielding a grocery cart like it was a runaway bumper car rounded the corner on two wheels. If it weren’t for quick thinking on my part, I might have required a trip to the Crisco aisle to disengage that buggy from my body. For a second I thought I saw a bright light, but it turned out to be Register Six calling for assistance. Later, when I got lapped in frozen foods by a gray-haired granny with a number 5 pasted on the side of her grocery cart, I could see the need for a list of safety rules posted in a conspicuous place, perhaps tattooed on Little Debbie’s left cheek. With that thought in mind, I offer 8 Simple Rules for a Successful Supermarket Experience.
Show proper care for your vehicle. For the safety of everyone on the floor, do not select a buggy with uncooperative steering that can be guided only by a team of Iditarod sled dogs. Also, be on the lookout for features that may interrupt the aerodynamics of the cart such as toddlers left over from a previous shopper.
When perusing different item choices on the supermarket floor, please be sure to park only in traditionally acceptable parking areas. Nobody cares if you set up camp in front of internal organs in the meat department, but if you pause to check the fat content in the cookie aisle, we will forcibly transport you to the dairy case and secure you to the yogurt section with string cheese.
Please observe crowd-friendly speed limits. I know you’re in a hurry to rush home and get those tacos on the table, but don’t careen around the corners so fast that you initiate a forceful meeting between Betty Crocker and Orville Redenbacher.
Practice defensive shopping. Try to remember that there are people with immediate dietary concerns that may require them to effect a sudden stop in front of you to compare chocolate chip content on the cookie aisle. Likewise, you must understand that if you stop in the middle of the aisle while trying to decide between creamy and crunchy, you are likely to become a temporary member of the fresh fruit display. Take heart in the fact that kumquats should not do any permanent damage to your complexion.
Please show concern for the safety of other shoppers. Do not execute a sudden lane change without at least warning the gentleman who is presently rolling his cart over the heels of your Reeboks that he may suddenly find himself neck deep in summer squash. Likewise, don’t speed up suddenly, causing the six-year-old boy who is riding below the cart in front of you like a mudflap on an tractor-trailer to wrap around your front wheel like freshly chewed bubblegum.
Do not accelerate like Richard Petty on the straightaway at Talledega to beat me to the Express Lane, especially if your buggy is loaded like a Conastoga and you’re counting all 24 cans of Little Friskies as one item to make the 10-item limit, and all I’m carrying is a gallon of milk, two packs of Ho Ho’s, and a box of Ben & Jerry’s that has created a layer of freezer burn up to my elbow. I have killed for less than that.
Remember to return your buggy to the cart corral after you load your car. You may feel justified in aiming it toward the gate and assuming it will roll downhill to the target by itself, but let me assure you that grocery carts are not domesticated animals and will take every opportunity to separate from the pack and make a break for freedom. Lassie is not available to pull the buggy from quicksand, a well, or the tailpipe of a new Jaguar that happens to be in its path. The aftermath of the ensuing chaos will involve your insurance, and this is one case when the term “deductible” might be unsetttling.
Most importantly, steer clear of the lady dressed in a New York Yankees T-Shirt, stretch pants, and flip flops, who is wringing her hands and doing laps with a cart that contains two boxes of Ding Dongs and a frozen pizza. It’s me and I can’t decide what to have for supper.