I’ve started physical therapy on my wonky knee, with the evaluation yesterday and the first real appointment this morning.
This experience is making me realize just how vulnerable authors like me are. Because I’m self employed, I have to get individual insurance, which can get expensive. For a few years, I haven’t had the fear that using my insurance will make my premiums rise or that being diagnosed with something will mean I have a pre-existing condition that will mean higher premiums, an inability to get coverage, or coverage that doesn’t include that condition. Unfortunately, that protection seems to be about to go by the wayside. I don’t have the protection of a big employer that can negotiate with insurance companies or loop me in with a large group. I’m very concerned about what will happen to me as a result of what’s going on in Congress right now. I’m making enough money writing that I don’t need a regular job, but I’m not making enough money to afford the kind of health insurance costs that may come out of all this. I might be in the position of having to get a job I don’t need or want in order to get health insurance, which means less writing and fewer books. Of course, that’s if I can get a job after 15 years out of the workforce and as a middle-aged woman. I don’t even know what I’d do. My PR skills are way out of date because it’s all about social media these days.
Meanwhile, there’s no sick leave, no workman’s comp (if this were a work-related injury). It is nice to be able to schedule therapy appointments whenever without worrying about taking time off from work, but they may also cut into my productivity. Today’s appointment was early in the morning, which leaves the rest of the day free, but I’m also tired and sore.
But I need to earn a living and maybe make enough to pay my medical bills and whatever happens to my insurance next year, so I will write even though what I really want is a nap.