7
Feb
2011

Health Insurance Is A Great Concept

Written by  |  under Exercise, Life

Apparently in an effort to make yourself healthier, it is possible to over do it to a certain point where you push yourself back into being uninsured.

Over the years, before I lost all my weight, I was told repeatedly I couldn’t get health insurance until I got in shape.  Once I started working my behind off (literally), I was hoping I could finally get some insurance, but then I wasn’t in a position to afford it.  I continued to work on getting in shape, and eventually my weight started to go back up due to building muscle mass.

I now bench press more than I ever have, I can do seated leg presses of more than I ever weighed, and while I still look heavy, and have gotten some weight back, I’m healthier than ever.  I’m also now where I can afford health insurance again, so, surely, I can get it with no problem!

… not so much.

I applied for health insurance last week online, and this morning I received a letter saying I was rejected due to my height/weight ratio.  I called the insurance company to explain it isn’t fat, and that I’ve worked hard to get where I am, and I’m told it didn’t matter if I had zero body fat, my height/weight ratio precludes me from being insured by them.

In Jan. 2007 I started this journey to lose weight, and while I have had my slip ups here and there, I am extremely proud of how far I’ve come.  And now I’ve been told … it doesn’t matter.  I’ve apparently gotten too healthy.  I’ve apparently worked too hard at getting into shape, and unless I’m some skinny, weak rail, I won’t be insured.  Instead I’ve found something that makes me mentally happy, and it gives me some time each day that’s just mine.  For 30 to 60 minutes a day I get to shut out the world, and know that I’m betting myself … or so I thought.  Somehow I’ve learned that in the eyes of insurance companies I was swinging myself back into bad territory without knowing it.

And now here I am.  Do I give up something that has made me happier, in a better mood, healthier and I feel has just improved my life just so I can be insured?  Do I let all of this work I’ve been trying for slip away?

To say I’m angry, annoyed, hurt and insulted would be an understatement.  It was the first thing I saw in the mail this morning, and it tainted my entire day.  Thanks, insurance company.  Apparently doing right by myself was wrong in your eyes, and now I have to decide to give up something I now love so I can fit some stupid chart of yours that has no brain, and has no ability to discern muscle from fat.  Let me see if I can fit in your little mold.

Yeah … I’m loving life today.

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  1. Jack  |  February 8th, 2011 at 10:10 am #

    And here, my friend, is reason 1 why universal, single-payer health coverage is part of our future: private health insurance isn't about providing health care, it's about maximizing profit and minimizing risk. The goal of providing everyone with a decent baseline of healthcare is incompatible with the goal of maximizing profit and minimizing risk. It's kind of like law enforcement, national defense and retirement security that way.

    Jack - Gravatar

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