One of the things that I haven’t talked about much, since there’s so much prayer, healing energy and dedicated action to taking care of Michaela, is some of the nuts and bolts stuff like having vehicle and health insurance, and the role they’ve been playing.
The day that I signed up for my insurance policies, I didn’t fully appreciate was I was signing up for and what the choices would later mean. To be truthful, I feel like I’m pretty much like anyone one else. I got it, not really expecting to ever have to “Really,” use it. My relationship with my agents has been pretty normal. They run through the numbers and I treated them like we were just pushing paper. I wasn't trying to get the least, but I wasn't trying to get the most either. I’ve had the opportunity through this situation and understand that in a weird way, they’ve been my “Lifeguards.” The titanic went down and under the circumstances, you know you’re gonna get dinged up, but you don’t have to drown. That’s my reality. This post is about how I’ve come to see it that way.
As the bills continue to roll in, the numbers are at more than 250,000.00, and climbing. We have on-going medical visits, physical therapy and I’m not even going to talk about medication bills. Unless you’ve in it, you really have no idea what the ride is like. I’ve never known anything like this. The person who caused the crash’s insurance is supposed to be responsible. The only problem with that is that it turns out that based on investigations by my vehicle insurance company, they have none. How do they know that? They have special investigative teams. They did that work not me. I wouldn’t even know where to start, much less be able to afford getting the “Right,” person to track the information down. There’s also the issue of rates with the hospitals for procedures. During this whole ordeal, and given the time sensitivity, no one is exactly offering us pricing on various tests and medical procedures. It’s straight up decision making on what we felt would be best for Michaela in the long-run. We only got the numbers later, to see what the financial result of those choices have been. It’s my kids life, so-be-it.
But the agents/lifguards, and others working for them, have been helping us every step of the way. I get calls at least twice a week from them, checking on things and making sure that Michaela has everything that she needs, for the best possible outcome. They keep us up-to-date on the business end of things, letting us know what’s getting paid, what’s in the que, investigation results and more. Wow. I wasn’t expecting the insurance companies to hold our hands through this in such a way. They’ve proven to be way more than “Clerks,” who just want insurance premium. All of them have been on point, available and helpful. And because they’re handling that part that’s way over my head anyway, I don’t have to worry about and keep my body and mind trained as much it can on the events at hand. Will I have more out of pocket expenses at the end? Yes. But it’s not going to be for wherever the final bill lands. That’s the point of insurance. You’re going get hit, but at least you’ll be able to stand up, when it’s all over. I’m thankful for that.
If you don’t have health insurance, I encourage you strongly to get it. It you own a vehicle and don’t have insurance, you need to have it. The line, “It’s not always you, sometimes it’s the other guy,” is totally true. Insurance companies and the people that work for them are like I said, a kind of “Lifeguard.” It’s no joke. None of us are bulletproof against reality. None of us have an exemption. The Zen of insurance is that they have the ability to take broken situations and be a part of what unifies and helps to heal them. If it ain’t practical, it’s not spiritual.
Learning Life With Love & Respect,
~Jaye Seiho 淸峰 Morris