lyn Foley

Welcome to Medicare!

by Lyn Foley on January 26, 2010

Lyn Foley

Lyn, the Medicare Bead Babe

Today I am 65, yup, 65.

I used to think 65 was ancient – until I got here. And until I look in the mirror, I’m sure I’m only 39. I don’t feel 65, that is until I try to get up off the yoga mat without using both hands to help.

Mostly, though, what 65 means to me is Medicare! I’m thrilled to be on Medicare, because my husband and I are two of the millions of Americans with health insurance worries. We’ve been self-employed artists most of our adult lives, which means no benefits of any kind, unless we provide them for ourselves. No retirement plan, unless we create it. No overtime pay, no holiday pay, no nothin’, honey, unless we provide it for ourselves.

We’ve saved for years. We especially saved every penny we could over an eighteen year period in order to sail around the world. We invested some of that savings, and by the time we left to go sailing, we became debt free.

All of that saving years ago is saving us now. But even so, I had a $5,000 deductible on my health insurance – largely because I couldn’t afford the premiums on any other type of plan with a lower deductible. Even with the high deductible my insurance costs alone were about $500 a month. (and I’m the super healthy one in this marriage). Last November when we were in Albuquerque for a show I was zipping up the tent for the night when the wind blew the flap and zipper into my eye. I had the worst pain I think I have ever had. Long story short, I went to the emergency room since we knew no doctors in Abq, and it was late on a Saturday night. It took the emergency room staff about 15 minutes to figure out I had bruised my cornea in two places, give me some pain meds and an eye patch and send me on my way.

In December I received the bill: $1,821.00!!!! None of it covered by my expensive insurance. (Meanwhile, I went to my own eye doctor here at home. Charges for the exact same exam and treatment: $24.00). Something is wrong with this picture.

So, Happy Birthday Lyn, you are now on Medicare.

{ 2 comments… read them below or add one }

Cindy January 28, 2010 at 8:54 pm

HAPPY BELATED BIRTHDAY, LYN!!! I sure hope you had a fun day!! Hard to believe you and my Dad are just about the same age. I hope all of your birthday wishes come true this year! :-)

Lyn Foley January 29, 2010 at 6:57 am

I agree, it’s hard to believe!! Oh, but true!!

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