Minnesota Prairie Roots

Writing and photography by Audrey Kletscher Helbling

That would be a NO November 5, 2019

Filed under: Uncategorized — Audrey Kletscher Helbling @ 4:24 PM
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A graphic illustrating options I considered several years ago when I thought our premiums were high. Minnesota Prairie Roots file photo.

 

The answer is NO. No, you don’t qualify for any government assistance to help pay down your health insurance premiums. There’s nothing/na-da/zero/big fat goose egg we can do for you.

I’m not surprised.

Randy met with a MNsure navigator on Monday to see if we could get a subsidy, tax credit, anything to help reduce the absurd health insurance premiums we will pay in 2020. Here’s the definition of absurd: Premiums of $1,149/month. Each. Randy’s employer pays half of his premium so our cost will be $1,723/month. That’s up $120/month from this year. Our deductibles will be $4,250. Each. That’s also up from $4,000/each this year.

I won’t apologize for my anger as I wonder who gets subsidies anyway. I won’t apologize for my anger when I wonder how insurance companies can, in all good conscience, charge this much in premiums. I won’t apologize for my anger toward politicians who constantly talk about making healthcare affordable, yet it never becomes affordable. There’s nothing affordable about our monthly premiums of $1,723.

When a sizable chunk of your income goes toward health insurance premiums for healthcare you can no longer afford because you’re paying too much in premiums and too much in deductibles, something is terribly wrong and broken. Fix it. Somebody. Please.

LET’S HEAR your thoughts.

© Copyright 2019 Audrey Kletscher Helbling

 

My Halloween horror story October 31, 2019

From a Halloween display in Hayfield, Minnesota Prairie Roots file photo.

 

WHAT SCARES YOU? I mean really scares you.

Is it the current state of our political climate? Climate change? Changes in your personal life? Life that feels overwhelming? Overwhelmingly high health insurance rates?

There’s so much to concern us. And I would place check marks in front of several items on that list, the most recent being health insurance premiums. Ours are increasing again. And I am seriously stressing about the additional $120/month we will pay for insurance that is nothing but a catastrophic plan. Our deductibles will rise from $4,000 each to $4,250 each come January 1.

I don’t pretend to be good at math. Words are my thing. But no matter that lack of skill set, I understand that the health insurance premium numbers are not good for our budget and have not been for years. I joke with my husband that he will need to pay his employer to work for him given the amount deducted from paychecks for insurance. Randy’s employer pays half of his premium, none of mine. I’m on Randy’s plan because I’m self-employed.

Now let me show you the numbers: In 2020, our monthly premiums will each be $1,149 for a total of $2,298 every single month. Of that, we will pay $1,723/month, which totals $20,677/year. And then we have those $4,250 individual deductibles before the insurance even kicks in.

This is absolutely absurd. There are no other words to describe the financial challenges we are facing because of health insurance rates that are through the roof ridiculous. No wonder we don’t go on big vacations, drive vehicles that are 15 and 17 years old, seldom dine out, have a vintage kitchen in need of a complete re-do, windows that need replacing, siding that needs paint or replacement…and don’t want to go to the doctor because we can’t afford to go to the doctor. Much of our income is funneled directly to the health insurance company rather than being pumped into the general economy. Sigh.

I never thought that at our age—in our early 60s—we would be in this financial situation because of health insurance premiums.

So what am I doing about this? Screaming, venting, crying, stressing. But I’ve also set up an appointment with a MNsure navigator to see if we qualify for any type of financial assistance. When I checked a few years back, that proved fruitless. I’m not especially hopeful this time either.

There you go, my financial horror story just in time for Halloween. I am thankful Randy and I both grew up in really poor families so we are not materialistic. We manage to pay all of our bills, get food on the table…and still donate to charities. We paid off our home mortgage years ago and I’m thankful we did.

But we never expected this overwhelming financial burden as we looked to the future and are nearing retirement.

This Halloween I’m not scared of things that go bump in the night. I’m scared of health insurance premiums.

THOUGHTS? Do you have similar health insurance horror stories?

© Copyright 2019 Audrey Kletscher Helbling

 

Dear legislators, Let’s speed things up beyond traffic July 10, 2019

Filed under: Uncategorized — Audrey Kletscher Helbling @ 5:00 AM
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The words on the tailgate of this pick-up truck photographed several days ago in a Faribault grocery store parking lot illustrate a new Minnesota traffic law taking effect on August 1.

 

COME AUGUST 1, you best not poke along in the left traffic lane on a multi-lane Minnesota highway and hold up traffic. Do so and, if caught, you face a fine under a new law pushed by Senator John Jasinski from Faribault.

When I first heard about efforts to shift slow drivers from the left to the right lane, I thought, we have way more important issues than that to resolve. I still feel that way. I’m more concerned about the high cost of prescription drugs and healthcare and the absurd cost of health insurance ($1,600 in premiums paid by Randy and me every single month with $4,000 individual deductibles).

So there. While moving traffic along may seem of vital importance to legislators, and I do sort of understand the value of the legislation, I fail to understand why something can’t be done about the healthcare cost crisis. Let’s move that issue out of the slowpoke lane into the fast lane of a financially favorable resolution for the consumer.

© Copyright 2019 Audrey Kletscher Helbling

 

Surprise (not): Another increase in health insurance premiums… December 4, 2018

Filed under: Uncategorized — Audrey Kletscher Helbling @ 5:00 AM
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A graphic illustrating options to consider. Minnesota Prairie Roots file photo.

 

A DAY BEFORE THE MID-TERM ELECTION, my husband came home from work with our health insurance rates for 2019. I thought perhaps those rates would hold steady, maybe even drop a bit. I’d read all about premiums decreasing here in Minnesota in the new year.

But, surprise, our rates are rising. From $1,000/month to $1,069/month. For each of us. Do the math. Times two, our new monthly premiums total $2,138. Overwhelming, isn’t it?

Randy’s employer pays half ($534) his individual premium, which helps. But still, could you afford $1,603 in monthly premiums? That’s a lot of money. Money that we can’t save for retirement. Money that we can’t put toward replacement of our aging vehicles. Money that we can’t put toward a much-needed update of our 1970s vintage kitchen. Money that we can’t use for a vacation. Money that’s not going into the general economy, but rather to one place—the health insurance company.

The unbelievably high cost of health insurance for couples like us only years from retirement is a major financial burden. We’ve done all the right things. Spent our money wisely. Lived modestly. Invested and saved for retirement. Never purchased a new vehicle. Limited vacations to day trips or several days in Minnesota and neighboring states, with the exception of a road trip to Boston two years ago to see our son graduate from college.

I never thought that at this stage of our lives, we would be in this burdensome financial position. That Randy works for a small business and that I am self-employed places us in a difficult spot. Once insured through the individual market, I can no longer afford those even higher premiums. I don’t know if our premiums are so outrageously high simply because of our age or also because we are covered through a small business group pool of perhaps a half-dozen insured.

We can’t risk going without insurance. And, yes, I am aware of faith-based health cost sharing plans. I’ll revisit that option, which would mean switching doctors and seeking medical care outside my community and agreeing to some restrictions on coverage (such as on pre-existing conditions for a designated period and more). I’m perfectly happy with the excellent care I’ve gotten locally. I’d like to stay with the medical providers I know, like and trust.

But now that we will be paying another $103/month in premiums with individual deductibles that are increasing from $3,600/month to $4,000/month, all options are on the table. After all, there’s a lot of money at stake here. To be precise, $19,239 in premiums plus $8,000 in deductibles before insurance pays. Crazy, isn’t it? That’s over $27,000. We can’t afford to use our unaffordable health insurance.

Politicians, I’m waiting on you now to fulfill all your campaigns promises of affordable health insurance and healthcare. Oh, yeah, I’ve heard that before, same old same old…

THOUGHTS?

CLICK HERE to read a related story on health insurance costs.

© Copyright 2018 Audrey Kletscher Helbling

 

Bone break related topics on a Saturday morning August 18, 2018

Filed under: Uncategorized — Audrey Kletscher Helbling @ 12:14 PM
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This splint holds my healing left wrist in place. Minnesota Prairie Roots file photo.

 

WHEN A THICK ENVELOPE arrived in the mail this morning from my insurance company, I felt angst. I expected it would contain information on a $19,431 claim for surgery to implant a plate into my broken left wrist. I was right.

Recently I received a nearly $15,000 hospital bill for that surgery with nothing covered by insurance except an allowed amount of $4,662. I reacted as nearly anyone would—with disbelief, anger and tears. I pay $1,000/month for health insurance and already paid my $3,600 deductible. So the thought of paying another $15K pushed me over the edge. One phone call later and the hospital billing department assured me I didn’t owe $15,000 and that, due to a “processing error,” the claim would be reprocessed.

The insurance paperwork I got today includes two code notations:

Based on additional information received, this service will be processed on a new claim.

We are making this adjustment to a previously processed claim.

Those codes flag most, but not all, of the claims in four pages of claims. So is this a done deal? I don’t know. I hope so. Zeroes fill every space in the amount I owe columns. I choose for now to think this ends a stressful ordeal.

Speaking of end, the question of the week to me has been: “How much longer do you have to wear that?” The questioners, at least a half dozen yesterday, are referring to the splint on my wrist. The last time my orthopedic doctor discussed this with me, he said I would be wearing the brace well into late September. I see him next week. Maybe he will shorten that time. Range of motion therapy continues to go well. Strengthening therapy comes next. I’m now more than two months out from my bone break.

 

Margie Brown Holland (formerly of Faribault) and her unborn daughter, Olivia, were murdered by Margie’s husband in 2013. This t-shirt, part of The Clothesline Project, honors the two. The Minnesota Coalition for Battered Women coordinates the project to honor victims of domestic violence. Minnesota Prairie Roots file photo.

 

This plaque at the Faribault Area Chamber of Commerce and Tourism office honors employee Barb Larson, shot to death in the tourism office by her ex-husband, a retired Faribault police officer.

 

Kim Sisto-Robinson of Duluth created (and shared) this graphic honoring her sister Kay. Kay’s husband shot and killed Kay in 2010. Kim has made it her mission to be a voice for Kay, to speak out on the topic of domestic violence. File photo, courtesy of Kim.

 

One issue still lingers, though, and it’s something I dislike as much as that incorrect $15K hospital bill. Just last evening a burly stranger joked that my husband hurt me. Not funny. Not funny at all. I don’t care who you are. To suggest that domestic violence is in any way funny rankles me. There is absolutely nothing humorous about any aspect of abuse, whether psychological, mental, emotional, spiritual, financial, technological or physical. I’ve heard more times than I can count that insensitive, uninformed and supposedly funny comment that Randy must have pushed me or hit me. He didn’t. I fell on rain-slicked wooden steps. I don’t understand this attitude. Women (and sometimes men) are being assaulted and dying every single day in this country from domestic violence. I find absolutely nothing funny in that. Nothing.

THOUGHTS ON ANY of this?

© Copyright 2018 Audrey Kletscher Helbling

 

An update: Stories while recovering from a broken wrist August 15, 2018

My newest exercise tool, therapy putty.

 

WHEN YOU’RE RECOVERING from a broken bone and subsequent surgery, little things hold significance. Like Play-Doh. I was so excited Tuesday morning when, at the end of my occupational therapy session, my therapist handed me a container of therapy putty. Play-Doh to me. Annie instructed me to, twice daily, lightly squeeze the putty with my left fingers and thumb. “Lightly,” she repeated, as she observed me manipulating the blob of yellow gunk.

 

Look on the right side of my wrist to see the plate, shaped like an ice scraper, and held in place by 10 screws. Minnesota Prairie Roots file photo.

 

So why is this such a big deal? It’s just putty, for gosh sakes. It’s a big deal because every added exercise signals progress to me. Now, nearly nine weeks out from the fall that resulted in a severely broken left wrist requiring surgical implantation of a metal plate, I continue to regain my range of motion. Strengthening exercises have not even begun. Yes, this is a slow process requiring every ounce of patience I don’t possess.

 

Site of my bone break and surgery. And, yes, my hand, fingers and wrist remain swollen.

 

But I dutifully do my 10 exercises three times daily. Because I want to use my left hand again. I am itching to wrap my hand around my Canon DSLR camera, to cook solo, to carry my two-year-old granddaughter… I know, realistically, those goals are still a long ways from being achieved. But it’s good to have goals.

 

I am thankful for any time out of my wrist splint.

 

Two weeks ago I was much less positive as I developed a severe itchy rash on my wrist. I’d show you a photo, but I don’t want to gross you out. Picture a really bad case of poison ivy. Efforts to treat the surface skin problem with an antibiotic failed. Hydrocortisone cream solved the problem as did airing my arm while resting. You can only imagine my joy at releasing my arm from the trap of a splint for more than just exercising and showering. That made me one happy camper.

 

On this bill, the $4,661 is the insurance discount. The $0.00 is the amount of the insurance payment on the (incorrect) bill.

 

I was anything but happy, though, when I received a nearly $15,000 hospital bill last week for my surgery. More than a few bad words flew from my mouth as I cried. And then cried some more. I pay $1,000/month in health insurance premiums with a $3,600 deductible. I’d already paid my deductible and now the insurance provider was refusing to pay. Are you kidding me?

I was livid and way too upset to call either the hospital or the insurance company the day I got that bill. But then a hospital employee phoned several hours later to verify my address and I broke down sobbing and eventually was connected to the billing department. The insurance company, the hospital staffer said, made a “processing error.” She advised me to burn the $15K bill. The claim is being reprocessed. I hope it’s correct this time as I don’t want another financial scare. This never should have happened. The incorrect billing caused me a great deal of unnecessary stress.

 

If you look closely, you can see faint remnants of my rash. The lines are imprints from the “sock” I wear under my splint.

 

If only I’d had that therapy putty last week to work out my frustration and anger…

 

© Copyright 2018 Audrey Kletscher Helbling

 

As health insurance costs rise, so does my personal financial concern November 1, 2017

 

EVERY YEAR ABOUT THIS TIME, my blood pressure temporarily spikes in response to my anger. Anger about ever-rising health insurance premiums depleting our family pocketbook faster than a pick pocket.

I’ve vented and raged and spewed my discontent here. My jaw drops. My mind thinks a few unprintable words. My stress rises. How can we continue to pay these astronomical premiums and still have money for basic needs like food, gas, utilities, clothes, etc?  I am thankful Randy and I paid off our mortgage decades ago, that our three kids are out of college and independent, that we’re OK driving aging (2003 and 2005) vehicles… We’ve always been, out of necessity, fiscally conservative, just as we were raised within poor rural families.

Let’s break it down. Health insurance premiums for my husband and me (I’m on his work plan) will go up $190 from $873/month to $1,000/month in 2018. That’s for each of us. Randy’s employer pays half his premium, $500. So we will shell out $1,500/month, or $18,000/annually. But before insurance kicks in, we must pay $3,600 each in deductibles. Alright then.

Let’s recrunch those numbers. In reality, our premiums are $1,300/month each if we need medical care and reach our deductibles. Times two, that’s $2,600/month or $31,200/year. Subtract the $6,000 Randy’s employer pays for his insurance and we’re down to $25,200. Still.

This year I met my $3,700 deductible. But I paid out $14,176 in premiums and deductible for around $4,000 (maybe a bit more; some bills haven’t processed yet) in medical expenses. I’m no math whiz. But even I can see that makes zero financial sense.

Holy, cow.

Somehow we’ve managed on a modest income, Randy’s as an automotive machinist and mine as a self-employed photographer and writer. But these latest insurance premium hikes are pushing us to a financial breaking point. I need to figure out an alternative to the $1,500 to be deducted from Randy’s paychecks each month for health insurance in 2018. Our incomes are not increasing to meet this through-the-roof expense.

My kneejerk brainstorming produced the following options and reactions:

  • Go without health insurance. Not a good idea given our ages and the financial risk.
  • Find jobs with better benefits. At age 61, that’s unlikely.
  • Take on second part-time jobs.
  • Use a Christian-based health cost sharing plan. A strong possibility that requires additional investigation.

Our eldest daughter suggested we move to Canada with its publicly-financed healthcare. I know little about that system. But in a recent conversation with a Canadian visiting her brother here in Minnesota, I heard all about the shortage of doctors and the months of waiting to see one. Even if you’re seriously ill. No, thank you. Besides, I won’t move that far from my granddaughter.

There you go. Now, on to the research, the discussions, the continuing frustration and anger and stress and number crunching that each autumn overtake me.

I’ve joked with Randy that soon he’ll pay his employer to work because nothing will remain of his paychecks. I wish that statement didn’t feel uncomfortably close to reality.

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AS BAD AS THE RATE HIKES would be for us, I know it could be worse. I’ve seen rates from a major carrier for individual off-exchange health insurance in my county of Rice and seven other southern Minnesota counties. If I chose the bronze plan (least expensive) with a $6,650 deductible, my monthly premium would be $1,361. Take that premium and deductible times two (there would be no subsidy from Randy’s employer) and our health coverage would cost $45,964 before medical bills would be covered. Holy cow. Who can afford that? Not us.

I realize many of you, especially self-employed small business owners or employees of small businesses, are dealing with the same absurd health insurance premiums. I don’t have an answer. I just know that the escalating cost of health insurance is creating a personal financial crisis for many of us. Additionally, because of those costs and matching high deductibles, we can’t afford medical care. Now does that make sense?

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TELL ME: Are you dealing with/facing similar skyrocketing health insurance premiums? I’d like to hear about your situation and what you are doing. Are you going without insurance? Selected another option? Found a job with better benefits? Whatever you have done, or haven’t, I’m listening.

Please note that I moderate all comments. So please keep the discussion on topic and civil.

 

© Copyright 2017 Audrey Kletscher Helbling