Minnesota Prairie Roots

Writing and photography by Audrey Kletscher Helbling

Focus on mental illness: A Minnesota family’s story December 2, 2020

I READ THE BOOK in a single day. That should tell you something. Fix What You Can—Schizophrenia and a Lawmaker’s Fight for Her Son by Mindy Greiling is an incredibly powerful book. It is painfully honest, deeply personal and informative. A must read, whether you know little or a lot about people with serious mental illnesses.

Greiling writes about the flaws in the mental healthcare system—from lack of providers and treatments and options to poor communication to the struggles families face, too often alone.

You will cry with this mother as she shares the challenges faced by her son, Jim, diagnosed with schizoaffective disorder and also a substance abuser. You will feel her pain, her fear, her anger. This is her story. Jim’s story. Her family’s story. Maybe your, or a loved one’s, story.

GRIEF. ANGER. ADVOCACY.

Mindy writes of transitioning through the stages of grief. From anger to advocacy. Not because her son has died, but rather grieving the loss of what may have been if not for Jim’s disease. She takes her personal experiences and uses her position as a state representative to effect changes in Minnesota laws and ways in which people view mental illness. She became involved in the National Alliance on Mental Illness. She became not only Jim’s advocate, but an advocate for the broader base. All the while managing her own fears and feelings of being alone through all of this, of experiencing trauma.

IMAGINE.

Imagine if your son heard voices directing him to kill you. Imagine if your son suffered from paranoia. Imagine if your son had to get off the one most effective medication for his disease because side effects could kill him. Imagine…

This was/is reality for the Greiling family as Jim continues to navigate life and his disease. But it is also a story of hope and resilience and the strength of not only Mindy, but of her son. She recognizes that, even with schizoaffective disorder, Jim is capable of so much. She believes in him. Never gives up. You will see that repeated throughout the pages of this book written by a determined and caring mother faced with crisis after crisis.

There is no fairy tale ending to this story. Jim’s is a life-long disease with no cure.

PUTTING A FACE TO A DISEASE

I admire Mindy, who sought her son’s input in writing this book released in early October. I admire Jim’s strength in the public telling of his story. Such first-hand accounts make an impact, take a disease beyond statistics to a face. An individual. A family. This is a mother trying her best to secure help for her son, to advocate when needed, to make tough decisions when necessary. This is a family in need of understanding and support, all too often missing when it comes to mental illness. When Mindy’s husband, Roger, emails extended family and asks them to send get well cards to Jim in a hospital psych ward, my heart breaks. But this is too often reality. Families feel alone, without much-needed support from family and friends.

LEARN. LISTEN. SUPPORT.

I encourage you to read Fix What You Can—Schizophrenia and a Lawmaker’s Fight for Her Son published by the University of Minnesota Press. And then, when you’ve finished, reassess how you feel about individuals who are dealing with mental illness. Consider that they did not choose these brain diseases, just like people do not choose cancer.

There is much to be learned from the Greiling family’s story. We’ve come a long way in opening up about mental health. But so much remains to be done. We need more mental healthcare providers. (Mindy writes of a six-week wait for Jim to see a psychiatrist, more common here in Minnesota than uncommon.) We need more programs. More funding. More housing and treatment options. More training for law enforcement. More understanding and compassion. And support. We can pledge, as individuals, to educate ourselves about mental illness and then to take that knowledge and be that person who sends a card, listens, prepares a meal…for an individual/family in need of our ongoing care, compassion, understanding and support. A family like the Greilings.

© Copyright 2020 Audrey Kletscher Helbling

 

COVID-19 stories from Minnesota November 18, 2020

Filed under: Uncategorized — Audrey Kletscher Helbling @ 2:25 PM
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Minnesota Prairie Roots photo taken in downtown Faribault, MN on May 15, 2020.

AT 6 PM TODAY, Minnesota Governor Tim Walz is expected to announce more restrictions related to COVID-19 during an address to our state. With cases, hospitalizations and deaths exploding, additional measures seem wise and necessary. Minnesota recorded 67 COVID deaths today, a new record.

On Tuesday afternoon, the governor led a press conference that focused on stories, what he termed “the basic human part of what COVID is.” If you read my MN Prairie Roots post yesterday, you understand the value I place on stories. Last Friday I emailed the governor’s office and suggested stories as a way to personalize COVID. Whether my email helped shape the approach taken at yesterday’s briefing, I don’t know. It doesn’t matter. What matters are the powerful stories shared. I feel it’s important to pass along these stories, using notes I took during Tuesday’s press conference.

“IF WE DON’T ACT NOW…”

Former State Representative Nick Zerwas from Elk River began the storytelling with his COVID experience, one which landed him in the hospital for five days. Only 39 years old but with an underlying heart defect, he required supplemental oxygen. “I was stunned that I was so overwhelmed and ill from this virus,” he said.

At times throughout the tele-conference, I heard Zerwas coughing and wondered if he would make it through the briefing.

Zerwas, a Republican, has done an about face on the virus, now advocating mask wearing and coming together to stop rampant community spread. He spoke candidly about his change in attitude, noting, though, that the virus situation (community spread) now is much different than this summer.

I’ve seen the same attitude changes recently in other Republican leaders who, just last week, became infected with COVID. It’s a welcome shift that I hope ripples to the public and ends the politics of COVID-19.

In his lengthy storytelling, followed by a media question, I found this statement by Zerwas to be particularly powerful: “The virus is here. If we don’t act now, God help us.”

IN THE ICU WITH HEART AND KIDNEY FAILURE

The second speaker, Sarah Winston, the mother of a 17-year-old daughter infected with COVID-19, spoke next. Hers is a story that needed to be told and to be heard by anyone who thinks they are “safe” from the ravages of the virus just because they are young and healthy.

Sarah described her daughter as a healthy student athlete who contracted COVID from an asymptomatic friend. Ella ended up in the hospital for 10 days with heart and kidney failure and more and deals now with inflammation of her heart.

This mother urged Minnesotans to stay home, to quarantine even if they test negative after exposure, to wear masks, to be safe, to be smart.

I was surprised to hear her say, though, that she wants sports to continue (for the mental health of young people).

“AN AWFUL EXPERIENCE”

Dr. Jon B. Cole, a doctor in Hennepin Healthcare emergency medicine, termed COVID-19 “an awful experience.” He spoke from both a personal and professional perspective. In March, when COVID was just breaking in this country, he canceled a trip to Florida with his wife and four children. Five days later, he developed the virus and was among the first in Minnesota to test positive for COVID. Cole emphasized how thankful he was for his decision to cancel the Florida trip.

On a professional level, he spoke of the “substantial number” of nurses and doctors now sick with the virus or in quarantine. He warned of a shortage in healthcare workers.

GRIEVING

“I don’t want anyone else to endure what my family has had to endure,” Lt. Gov. Peggy Flanagan said after sharing the story of losing her brother to COVID-19 in March. She described her brother as “a Marine, tough as nails.” He cared for their father, who died in January. Not long after, he was diagnosed with aggressive cancer and then COVID.

Flanagan noted that she never got to say goodbye to her brother, that she hadn’t processed her grief. It wasn’t until October that her family buried his ashes. Grief threaded through her narrative. As did strength and a determination that her experiences will make a difference.

She emphasized that every life has value, no matter an individual’s age in obvious reference to many elderly in care centers who have died as a result of COVID.

Flanagan said it’s “killing” her not to have Thanksgiving with her mom, asking Minnesota families to do the same so the chairs around their holiday tables are full next year. She encouraged people to drop the “magical thinking” that one Thanksgiving dinner won’t count in stopping the spread of COVID. Those were hard words to hear.

“COVID will continue to spread as long as we allow it to,” she concluded, urging everyone to take care of themselves and each other.

SOME WORDS FROM THE GOVERNOR

When the press conference ended, the media asked questions, mostly of the governor. He noted there will be a pause in sports and other restrictions announced today.

He also expressed gratitude to those who shared their stories Tuesday afternoon. I am grateful, too, for those stories which, as the governor stated in his opening remarks, add the human element to this virus.

Walz offered one final observation: “This is as bad as it was in New York in the spring.” If only he was wrong.

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Take care, dear readers. Make good choices for yourself and others. Follow health and safety guidelines/mandates. Be safe. Be well.

NOTE: I welcome comments and sharing of stories. However, I moderate all comments and will not publish those which are inflammatory or which spread misinformation and/or false narratives.

© Copyright 2020 Audrey Kletscher Helbling

 

The saga continues: Unsustainable & unaffordable health insurance November 12, 2020

Filed under: Uncategorized — Audrey Kletscher Helbling @ 5:00 AM
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Minnesota Prairie Roots file photo.

ELEVEN MONTHS CANNOT pass quickly enough for me. And, no, this has nothing to do with COVID-19 although I certainly wish for an end to that, too.

What I most anticipate, what I’m most excited about and looking forward to from a financial perspective in 2021 is turning 65. And getting on Medicare. Why? Because of the cost of my health insurance.

Recently, Randy brought home the new premium numbers for 2021. Since I’m self-employed, I get my coverage through his work plan. Based on media reports and based on the across-the-board decline in medical services provided this year (due to hospitals canceling elective surgeries early in the pandemic and fewer people seeking medical care, etc.), I expected our premiums would remain the same or even decline. I couldn’t have been more wrong.

We are facing another increase, of nearly $200 a month, to monthly premiums of $1,245 each. Times two, that’s $2,490 a month (up from $2,297/month) for policies with $4,250/each deductibles. That’s an 8.4 percent increase.

This is a photo of an x-ray showing the implant I have in my left wrist. Minnesota Prairie Roots file photo 2018.

Let’s break that down. Randy’s employer pays half of his premium. None of mine. Therefore our portion of the premiums will be $1,868 a month, $144 more than the $1,724/month we currently pay.

This is unsustainable. And ridiculous. This is not affordable health insurance, to all you politicians out there who claim you’ve made healthcare affordable. Talk to me. I’ve remarked to Randy that soon he will need to pay his employer to work for him, just to cover our health insurance premiums. While I may be stretching that a bit, I see the numbers on his paychecks. When I do the math, I see that nearly three weeks of his base gross wage each month goes toward health insurance premiums.

I also recognize that employers, especially small businesses, feel the financial impact of such high health insurance premiums. If you are fortunate enough to work for an employer who covers your full premium and maybe even contributes to family coverage, consider yourself “lucky.” I have no doubt Randy’s employer is looking forward to his getting off the company plan in 11 months as that will save the business money.

An incorrect medical bill I received in 2018 after surgery to place a plate into my broken left wrist. Minnesota Prairie Roots file photo 2018.

I’ve always been a financially responsible person, someone who spends her money wisely, who doesn’t need the newest/biggest/best. Live within your means, don’t accrue unnecessary debt. That will never change about me. Or Randy. But, still, I yearn for an updated kitchen to replace the 1970s yellowing cupboards, the brown sink with the leaky faucet, the Formica countertops, the worn vinyl flooring…, well, you get the picture. I could have had that lovely new kitchen years ago if not for the exorbitant cost of health insurance.

But, more than that, I dislike that my hardworking husband is giving up a sizable chunk of his paychecks to pay for health insurance that is basically only a catastrophic plan. Any suggestion that we simply go without insurance is not a financial risk we wish to take. Not at our age. So we wait. Eleven more months…

© Copyright 2020 Audrey Kletscher Helbling

 

Dear Santa December 21, 2019

Filed under: Uncategorized — Audrey Kletscher Helbling @ 5:00 AM
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Minnesota Prairie Roots file photo.

 

DEAR SANTA,

I hesitate to write this last-minute letter given your hectic travel schedule and the sheer volume of work involved in delivering gifts around the world, not to mention supervising all those elves. I can’t imagine the stress. I bet you’re thankful for smartphones, loyal reindeer and a reliable sleigh.

I don’t mean to add to your burden, Santa. But I haven’t asked for anything from you in decades. So I thought I would send you my Christmas list and see what you can do. Here goes:

DSLR camera  (My aged Canon EOS 20-D performs poorly in low light and, well, it won’t last forever.)

office chair (Mine is ripping on the back and I need one that offers better back support.)

comforter (I noticed when I made the bed last week that ours is tearing.)

new bed (Ours is wearing out, as in sagging.)

new pots and pans (Mine are circa late 70s, handles coming loose…)

insta pot (This is a wish, not a need.)

kitchen update (Or at least a new faucet to replace the leaky one and maybe a new sink to replace the brown one.)

new smartphone (My Android is old and slow.)

shirts & sweaters (A weight loss necessitates this as does the need to upgrade an aging wardrobe.)

short boots (Not snowboots, but the fashion kind.)

There you go, Santa.

Wait a minute. I’m having second thoughts about asking for so much. I am thankful for all I already have. Let’s cross all those wishes off my list and make it a single wish. Here’s what I really want, and not just for myself: I want affordable health insurance, lower deductibles and insurance companies to stop making decisions about individual healthcare. Do you possess enough magic to make that happen?

Here’s the deal. The overwhelming cost of health insurance ($1,700/month for us with $4,250/each deductibles in 2020) is causing financial and emotional stress not only for me and Randy but for many others (those who are self-employed, work for small businesses with minimal or no benefits…) in the same situation. I don’t expect free insurance. But I do expect reasonable premiums and deductibles that make our insurance affordable and usable.

I know of family members, myself included, who are not getting necessary healthcare because they can’t afford it, due to the aforementioned high premiums and deductibles. And, no, I can get neither subsidy or tax credit. I checked, with multiple sources (aka MNsure navigators and social services). We fall through a loophole.

I know of family members denied prescriptions or treatments because health insurance companies judged these unnecessary or determined there were other options. Why do insurance companies have the right to override a medical provider’s directive? This makes absolutely no sense to me, Santa. Sure, policyholders can appeal decisions. But why aren’t doctors’ orders good enough?

I expect that for every grievance I could list here, thousands millions more exist.

Well, Santa, I don’t want to sound like a complainer and you probably can’t grant this wish. But if you have any connections with anyone who can effect change, I’d appreciate your help.

Safe travels and Merry Christmas!

Love,

Audrey

 

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

 

Book review: A closer look at mental health care reform in Minnesota from 1946-1954 September 19, 2019

AS A WRITER, hearing other writers share insights into their work always interests me. That includes listening to Susan Bartlett Foote talk about her book, The Crusade for Forgotten Souls—Reforming Minnesota’s Mental Institutions, 1946-1954, at the Owatonna Public Library on Tuesday evening. Foote’s book won the 2019 Minnesota Book Award in nonfiction. It’s a well-deserved honor for a book which shares the powerful, and previously untold, story of reform in Minnesota’s mental health care system some 70 years ago.

Despite the four years Foote invested in researching and writing, she is quick to credit another woman for this story. Engla Schey. Foote dedicated her Minnesota Book Award to this activist and aspiring writer whom she calls the first mental health advocate in Minnesota. Schey worked initially as an attendant in several state mental health hospitals, or “insane asylums” as they were called back in the day. She witnessed first-hand the neglect, abuse, inhumane treatment, poor living and working conditions…all documented in her diaries. Foote read those diaries, in the possession of Schey’s great great niece.

The result is a deeply personal story about one ordinary woman’s efforts to change “a cynical and secretive system.” Schey’s insider perspective, Foote notes, allowed her to upend the whole structure. At the time, some 15,000 people lived in the state’s seven mental health hospitals with 80 percent of them committed and 35 percent senile/elderly. Half suffered from mental illnesses with stays of sometimes 20 years. The statistics are startling. But it is the stories Foote shares that make the most impact. Read this book and you will find yourself in tears.

As Foote related in her Tuesday evening talk, Schey quickly recognized that she needed help—of liberal churches, unions and writers—if she was to effect change within the system. She cared deeply. And personally. Her father voluntarily committed himself to the state hospital in Fergus Falls.

Eventually, the Minnesota Unitarian Church got involved, taking the approach of responsible study and analysis rather than jumping in and demanding immediate reform. The Rev. Arthur Foote (Susan Foote’s former father-in-law) led those efforts along with activist Genevieve Steefel and others.

Soon those initial reformers recognized the need to engage the press and political leadership and to build popular support, Foote said. Investigative news stories published. And some politicians, like then Minnesota Governor Luther Youngdahl, set aside partisan politics to make mental health care reform a top issue. Foote praised Youngdahl, referencing his stand that all mentally ill Minnesotans were entitled to fundamental human guarantees (dignity) and his goal to build a patient-centered mental health care system. A photo of Youngdahl burning a pile of straightjackets (and published in the book) signaled that change was going to happen, Foote said. And it did. Conditions improved both for patients and staff.

Like anything, though, change did not come easily nor is it always permanent. I experienced a deep sense of disappointment and frustration as I read in detail about all the politicking, untruths and denials. I can only imagine how those deeply involved in reform efforts felt. Youngdahls’s biggest disappointment, Foote shared with us in Owatonna on Tuesday, was that Minnesota churches (other than the Unitarians) wanted nothing to do with the issue of mental health. Has that changed much?

Youngdahl, in the ever-evolving political environment, suffered another disappointment in his failure to open a state hospital in Brainerd. One eventually opened there and my brother-in-law Brian became a resident after suffering incapacitating permanent brain damage. I knew him only briefly before his passing in 1984 at the age of 23.

At Tuesday’s talk in Owatonna, an audience member shared afterwards that a family member died of tuberculosis while hospitalized in a state hospital. Another attendee told me privately of staff intentionally breaking the legs of a man who lived at a state hospital in Faribault. For every story spoken, I expect many more remain unspoken. The hurt runs deep even all these decades later.

Although politicians and the public moved on and times changed and cuts began in the state hospital system by the early 1950s with Minnesota falling back to “average” in mental health care, Foote said, “I maintain this story is an inspiration, not a failure.”

She closed with a quote from Governor Luther Youngdahl: “Protection of the patient depends on our eternal vigilance.”

I agree. And I contend that we can all be Engla Scheys. We have within us—within our families, our circles of friends, our churches, our schools, our communities—the ability to make a difference in the lives of those dealing with mental illnesses and those who love them. Through our compassion, care, understanding, love and support. On multiple levels.

© Copyright 2019 Audrey Kletscher Helbling

 

From Sleepy Eye: When a small town clinic goes the extra mile August 23, 2019

Sleepy Eye Lake with the steeples of St. Mary’s Catholic Church visible in the distance across Minnesota State Highway 4.

 

ON A WEEKDAY AUGUST AFTERNOON as lovely as they come in Minnesota, I sat at a shelterhouse picnic table along the shores of Sleepy Eye Lake eating a salad. Sportsman’s Park proved a picturesque place to enjoy a picnic lunch with my husband and son before continuing west to visit my mom in a care center.

 

 

After lunch, we followed a paved trail to a public dock with a view of the lake and the town of Sleepy Eye to the south. I wasn’t at all surprised by the mucky green growth polluting the lake like most lakes in southern Minnesota.

 

 

A few kids hung out at a second dock angling for fish in the murky water. And two bikers zipped by in this park which also features 16 camping sites, two camper cabins, disc golf and a playground. Just a nice spot to picnic and enjoy the outdoors.

 

 

Sportsman’s Park seems pretty typical of most small town parks at first glance. But then I noticed something unique—a row of six white bicycles. Further investigation revealed a seasonal bike rental program offered through the Sleepy Eye Healthcare Foundation. Begun in the summer of 2017, Bike Share allows users to download an app and rent a bike. I never would have expected this in a community the size of Sleepy Eye with a population of some 3,400.

 

 

But given the 3.12-mile paved Sleepy Eye Bike Trail and the camp sites and cabins at this park, this seems an ideal fit.

 

 

The nonprofit foundation, part of Sleepy Eye Medical Center, aims “to provide excellent healthcare to our patients and to enhance the wellness and quality of life in the communities we serve.” Bike Share fulfills that mission. Maybe other healthcare teams offer the same in rural communities. But this is the first I’ve seen.

 

 

Additionally, the Sleepy Eye Healthcare Foundation sponsors an annual 5K Run/Walk for Health, a golf tournament and post-secondary scholarships for students entering the healthcare field. I’m not surprised really at the level of community support. I grew up in the county just to the west and understand the importance of local healthcare access. Without it, people sometimes drive hours to clinics and hospitals.

 

 

I’m getting sidetracked here. So I’ll circle back to those bikes, to my appreciation for these rural clinics and hospitals that show they care about the communities they serve through programs like Bike Share. The sign below the main Sportsman’s Park sign summarizes well the spirit of small towns like Sleepy Eye in the words “a cooperative project.” Working together to enhance wellness and the quality of life seems a noble goal no matter where you live, no matter the size of your community.

© 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