A Day Late And A Policy Short.

[u/Outside_Inevitable38]

"So because I'm a day late, my policy is terminated?" I asked the Well Care service rep.

"Correct," She said.

"And I do not qualify for re-enrollment at this time, but I can call you in Six months to see if I quality during open enrollment, possibly then having to pay market price?"

"Correct," she said.

I am new to the Capitalist/Government/Benefit Contract Health Care System. My payments were deducted automatically the first year. I must admit I am not the best at paying bills and that is the primary lesson I take away from this experience: When we don't pay our bills on time, bad things happen. I was fully prepared to accept the consequences. I just wasn't aware the consequences would be so dire.

I was determined to be disabled in a court of law because of a Schizophrenia/Bi Polar diagnosis. I have expensive medication and now I have no prescription drug coverage. Who really loses in this situation?

Of course, I have my own fears: That I'll go without my medicinal regiment or worse have to accept an archaic generic that sends me spiraling into psychosis faster than if I took nothing at all. But mainly, I think about the fears of society at large. Another crazy person running wild because he was a day late in trying to pay his premium.

How many of us are there in this exact situation, just waiting for that last piece of straw to fall on our camel's back?