In Which I Realize I Don't Need To Use The Health Insurance Marketplace (Post No. 6 of Adventures in Health Insurance)

In my continued journey to obtain the private health insurance now available due to The Affordable Care Act/Obamacare, I've been checking the status of my application at https://www.healthcare.gov/. After two weeks, it's still "in progress." I called and easily reached a real person at 1-800-318-2596. Unfortunately, he said there was no way to provide potential plan information until the application finished processing. At the very least, I'd hoped for an overview of the differences between plans so I could consider options while I wait.

Then a wonderful thing happened. I received a flyer from Blue Cross. With all the publicity, good and bad, over the government website, it hadn't occurred to me (and maybe it hasn't to many people) that I didn't need the website. As of 1/1/2014, private insurers can't turn down individual applicants, so why not just apply directly? 

I reached a salesperson within seconds who provided lots of information. Plans are categorized under the AFA/Obamacare as Bronze, Silver, Gold or Platinum. The main differences are the co-pays and premiums. With a Platinum plan, 100% of covered expenses are paid by the insurer once you hit your deductible. With a Bronze plan, only 60% are paid by the insurer. Platinum has the highest premiums. Different deductibles, out-of-pocket maximum payments, and plan types (such as HMO, PPO) are available for each category. Also, different networks are available. Based on the network that includes my doctor and the hospital where she has admitting privileges, the Blue Cross salesperson suggested five plans. I chose three with high deductibles to keep premiums down. He emailed me a quote within 10 minutes. At the Blue Cross website, I compared them feature-to-feature.

The next day, I called and applied. No past medical information needed, just age, gender, non-smoking, and where I live. (Chicago - I love an excuse to include a photo of Chicago. This is from the shared deck at my condo building.) Pre-Obamacare, it took hours to apply for an individual health insurance policy because it required a detailed health questionnaire and interview. So half an hour on the phone for this application seemed awesome to me, and it would have been quicker if I'd done it on line myself. I should receive confirmation within 7-10 days and will be insured starting 1/1/2014. I may throw a party.

I don't qualify for federal subsidies for premiums, but I could have applied for them if I needed to through Blue Cross. So it appears the only reason to use the government website is to comparison shop. But that can be done the old-fashioned way, by directly contacting different insurers. Once you're familiar with the plans and deductibles based on the first company you contact, you can then get quotes for similar plans from other insurers. As a guide, I've listed the steps I took below, with the Blue Cross Blue Shield of Illinois references.

(1) Explore basics about the Bronze, Silver, Gold and Platinum plans:

http://www.bcbsil.com/health-insurance-shopping-guide/compare-health-insurance-plans

(2) Check whether your doctor or doctors and hospitals are in the networks the insurer offers: http://provider.bcbs.com/

(3) Call or use website for quotes and to compare plans: 1-866-514-8044 or https://retailweb.hcsc.net/retailshoppingcart/IL/census?plantype=majormedical

(4) Apply by phone or website: 1-866-514-8044 or https://retailweb.hcsc.net/retailshoppingcart/IL/census?plantype=majormedical

Rinse and repeat for other health insurers.

I didn't check other insurers because I've had the Blue Cross PPO before and that's the coverage I wanted. But here are a couple other sites:

http://www.goldenrule.com/health-insurance/ (United Healthcare/Golden Rule)
https://www.humana.com/individual-and-family/products-and-services/medical-plans/ (Humana)

12/5/2013

An addendum because I'm excited -- I just received my Blue Cross card in the mail! (You can tell I'm very excited because I rarely use exclamation points, and I was tempted to include two.) I officially have an individual health insurance policy effective 1/1/14. My account on healthcare.gov still says "in progress," so I'm glad I took matters into my own hands. I have friends who are self-employed in Illinois who applied later than I did through the site. They've obtained coverage options, then bought coverage through the exchange. So I suspect I'm caught in some sort of technology loop. There's a Remove button that I will probably use to try to take myself out of the system. But I'm a little curious to see if it'll stay in the loop forever. Votes on how long I should wait before alleviating healthcare.gov of the burden of my unending application?

------------------------------

Lisa M. Lilly is the author of Amazon occult best seller The Awakening. A short film of the title story of her collection The Tower Formerly Known as Sears and Two Other Tales of Urban Horror was recently produced under the title Willis Tower. Her poems and short fiction have appeared in numerous print and on-line magazines, including Parade of Phantoms, Strong Coffee, and Hair Trigger. She is currently working on The Awakening, Book II: The Unbelievers.

The Awakening for Kindle: http://amzn.to/pFCcN6

For Nook: http://bit.ly/15bViBm

Visit her website:  www.lisalilly.com

In Which I Probably Applied For Health Insurance (Post No. 5 of Adventures in Health Insurance)

Since my first attempt, I've been periodically checking the Illinois insurance exchange to apply for health insurance coverage under Obamacare (The Affordable Care Act). I'm self-employed and have coverage now through an Illinois program that allowed me to purchase what is basically an extension of COBRA coverage. COBRA, for those not familiar with it, is a law allowing someone covered under a group employer health plan to extend that coverage for 18 months after leaving employment, so long the person pays the premium. After the 18 months, I tried to buy individual health insurance but was turned down by two major carriers due to a pre-existing condition (though it's one that requires no on-going medical treatment). 

I've tried a few times to create an account on the website (link below), which is the first step on the journey to health insurance under Obamacare. On my past 4-5 tries, the system hung up, and I eventually gave up. This time I got through and created an account. I then applied for coverage. At least I think I did. It took a little patience:

Like a lot of government and private company websites, the exchange asks a second or third time for information already provided. The system also has to verify the applicant's identity even after a name and address are filled in, maybe due to duplicate names out there. (I know of at least one other Lisa Lilly who is also an attorney; I keep meaning to call her and say hi.) I was asked a few questions about myself, then was rejected as unverified and given new questions. I suspect the issue was that when asked what previous city I'd lived in, I didn't check Chicago. I live in Chicago now, and my past 2 addresses were Chicago addresses. I read the question as asking what city I'd lived in before living in Chicago. Apparently, the question actually meant what city did I live in when I resided at my previous address. On my second try, I answered Chicago and the system believed I am me and allowed me to move to the next screen.

In addition to a few duplicative and sometimes irrelevant questions (did the government really need to ask me about my previous addresses and my home equity credit line when I'd already provided my social security number?), the process is slowed by processing time after each screen. I recommend multi-tasking, or at least listening to some good music while you're going through it.

All in all, it took about 45 minutes, plus another 10 because I decided to review my info before submitting an application. I thought all my information would appear on one screen or a PDF for review. But, no, reviewing requires going through every single screen again complete with wait time. After reaching the end again and submitting, I got a message that my application was in progress but no information on what happens next. I'd been hoping to check some price quotes, but either I zipped past that or there's no chance to do it until the application is done.

Despite it taking some time, it's a much easier process than applying for an individual policy on the private market. There are no questions about past medical history, past health insurance policies, or past employment.

I did not fill out the questions to determine if I could get assistance making health insurance premium payments. My income from writing and law has been reasonably good during the time I've been self-employed, and I have no dependents. From what I've read, I would not qualify for financial help, so I didn't see any reason to go through the process.

In a day or two, I'll check the website again for the status of my application.  Once again, stay tuned if you'd like to read about the next steps.

Finally, here is the link for the Illinois health insurance exchange if you are looking to buy coverage:  https://www.healthcare.gov/marketplace/individual/#state=illinois  (If you're in another state, you can still use this link. Just choose your own state from the drop down menu.)

------------------------------

Lisa M. Lilly is the author of Amazon occult bestseller The Awakening.  A short film of the title story of her collection The Tower Formerly Known as Sears and Two Other Tales of Urban Horror was recently produced under the title Willis Tower.  Her poems and short fiction have appeared in numerous print and on-line magazines, including Parade of Phantoms, Strong Coffee, and Hair Trigger.  She is currently working on The Awakening, Book II: The Unbelievers.

The Awakening for Kindle: http://bit.ly/15bViBm

For Nook: http://amzn.to/pFCcN6

First Day Trying To Get On The Health Insurance Exchange (Post No. 4 of Adventures in Health Insurance)

This morning I tried to get on the Illinois Health Insurance Exchange. As I talked about in previous posts, I am self-employed as an author and attorney.  I bought health insurance through an Illinois program that allows people to continue their COBRA coverage. I was turned down for individual health insurance, so I'm hoping that through the Exchange I'll have some more options for coverage.

First, I needed to find the exchange. I googled "Illinois Get Covered" because I'd heard on the radio that was the website to check.  That got me to some links for sites with overall information about the Affordable Care Act/Obamacare, but I couldn't find a link to the actual exchange to see what type of coverage is available.  (Note to Illinois -- you might want to make that more obvious.)  So I Googled Illinois Health Insurance Exchange and eventually found my way to this link:  https://www.healthcare.gov/marketplace/individual/#state=illinois

You can choose your state on this homepage from a drop down menu, so this should work no matter what state you're in.  The homepages is Illinois, so I clicked Apply Now.  I got a screen telling me it was very busy now and to please wait for a log in page. I waited. Then I left and ate breakfast, came back, and found the log in screen.

I had to create an ID based on an email address. So, first thing to know is that you'll need an email address, at least to sign up on line. I used my law firm email and created a password. I reached a screen that said I needed to answer three security questions to finish setting up the account. I assume that's to be sure it's me next time I sign in, or in case I lose my password. Unfortunately, the security questions were blank, and nothing showed up in the drop down menus for each question. I clicked Live Chat and got a note thanking me for contacting Live Chat and asking me to wait for someone. I waited for a while, then needed to go to my office, so I closed the window.

I repeated the above process this afternoon (it did not remember my ID or password) and got stuck at the same place. It's been half an hour now that I've been waiting for someone from Live Chat. I tried sending a message explaining the issue but nothing happened.

Since the deadline to buy insurance on the exchange isn't until mid-December, I think that's enough for today. I'll try again later in the week.

Stay tuned.

------------------------------

Lisa M. Lilly is the author of Amazon occult bestseller The Awakening.  A short film of the title story of her collection The Tower Formerly Known as Sears and Two Other Tales of Urban Horror was recently produced under the title Willis Tower.  Her poems and short fiction have appeared in numerous print and on-line magazines, including Parade of Phantoms, Strong Coffee, and Hair Trigger.  She is currently working on The Awakening, Book II: The Unbelievers.

The Awakening for Kindle: http://bit.ly/15bViBm

For Nook: http://amzn.to/pFCcN6

Virtual Camping Out in Line for the Health Insurance Exchange (Post No. 3 of Adventures in Health Insurance)

Being both a writer and a lawyer, I have hard time turning off my brain (or maybe that's why I became a writer and a lawyer). As I wrote in my two previous posts, I'm self-employed, so I have no group insurance option, and I was turned down for individual health insurance. So I did some preliminary research on the exchanges. Below is what I learned.

Differences in types of plans:  The main difference I found between the Bronze, Silver, Gold, and Platinum plans that will be offered is the estimated percentage of healthcare costs you will pay versus the insurer -- 60%, 70%, 80% or 90% respectively. I'm a little confused about whether the percentage of payment refers to a co-pay, deductible level, or out of pocket. Or all three.

Deductibles: I found one article that estimated the Silver deductible as averaging $2,550 based on data for 6 different states. There may be more info out there on this, but as Tuesday is only two days away, I'll wait to see what the actual exchange says. (It's too nice a day outside to spend it all in front of the laptop. After all, this is Chicago, tomorrow it could be snowing.)

Premiums and costs: Kaiser has a calculator which gives some estimates, with a lot of caveats about how no one really knows. Here's what the calculator calculated for one adult living alone (errors in typing in data, if any, are mine):

47 year old non-smoker living in Chicago, IL (no subsidies):

Silver: $259/month (out of pocket limit of $6,350)

Bronze: $186/month (out of pocket limit not listed)

31 year old non-smoker living in Chicago, IL, earning $35,000/year (no subsidies):

Silver: $191/month (out of pocket limit of $6,350)

Bronze: $138/month (out of pocket limit not listed)

31 year old non-smoker living in Chicago, IL, earning $20,000 (qualifies for subsidies):

Silver: $85/month (subsidized) (out of pocket limit of $2,250)

Bronze: $31/month (subsidized) (out of pocket limit not listed)

Questions I still have:  The premium estimate for me is about $50 less per month than I pay now, but there's no way to compare apples to apples. Now, both my deductible and out of pocket limit are $5,000. So if I am under the deductible, as I am this year and was the first year I had the plan, the Silver plan would be far more affordable for me. If I'm over the deductible, my current plan might be a better. I'm also unclear on differences in the quality and breadth of the networks offered, the deductibles, and the co-pays.

Whether I have good coverage now depends on your perspective. I'm in the Blue Cross PPO. Nothing, even prescriptions, is paid for until I hit the $5,000, which I obviously aspire each year not to reach. The plan thrills me, having faced no coverage at all. A friend who has never been self-employed, though (and who is against any type of universal health insurance) said to me, "That's terrible. Can't your firm get you better coverage?" Me: "I am the firm. And according to the health insurance companies, I'm not insurable." Friend: "But you're healthy. Can't your doctor write them a letter?" But that's not how it works - see my last post: Once I Became Self-Employed

Happily, it looks like I misunderstood a previous communication from ICHIP. While my particular plan may go away, I can be migrated to a similar one that might cost me slightly more. Still, I will likely purchase through the exchange, as it seems to me that my plan won't continue in the long run if the exchanges work well.

Links that may be helpful:

http://kff.org/interactive/subsidy-calculator/

http://www.bcbsil.com/health-care-reform/health-care-reform-faq

http://www.chip.state.il.us/aca-survey-faq.html


------------------------------

Lisa M. Lilly is the author of Amazon occult bestseller The Awakening.  A short film of the title story of her collection The Tower Formerly Known as Sears and Two Other Tales of Urban Horror was recently produced under the title Willis Tower.  Her poems and short fiction have appeared in numerous print and on-line magazines, including Parade of Phantoms, Strong Coffee, and Hair Trigger.  She is currently working on The Awakening, Book II: The Unbelievers.

The Awakening for Kindle: http://bit.ly/15bViBm

For Nook: http://amzn.to/pFCcN6

Once I Became Self-Employed (Post 2 of Adventures in Health Insurance)

On a sunny day about about a month and a half before I planned to leave the large law firm where I worked, I played tennis for the first time in years.  I felt great.  I'd arranged for office space for my own practice, FindLaw had finished my firm website, and I'd set up my landline and bought a Blackberry.  As noted in the last post, I'd been very healthy, didn't smoke, and was the appropriate height and weight (see photo -- that's me).  But I'd had an exclusion a decade before for carpal tunnel on my health insurance at a small firm, and I liked my Blue Cross PPO coverage from my current employer, so I decided to COBRA for the full 18 months.  A day after I played tennis, the side of my left calf started hurting.  I assumed I'd pulled a muscle.  Over the next week it became worse instead of better, enough so that I had trouble sleeping by Night 5.  I saw the doctor, who sent me for an ultrasound. 

I had a blood clot.  The good news was it was superficial - meaning in a surface vein, not one that led to the heart or lungs.  Medline Plus says this condition is "usually a short-term condition that does not cause complications. Symptoms generally go away in 1 to 2 weeks...."  So, basically, it's not a blood clot that will kill you but, as I learned a year later, it will keep you from getting health insurance.  My treatment was similar to a muscle strain.  Rest, elevate, ice.  My doctor had me take a baby aspirin a day and told me not take birth control pills just to be on the safe side, but said I didn't need to worry about it.  That lots of people get these and never even know it.  Also that everyone should get up and walk around to help prevent clots rather than staying in one position for long periods.

I started my law practice as planned.  Just over a year later, I applied to Blue Cross for an individual policy, hoping that, given that they had my records and knew my health, they would just extend my current coverage.  That's not how it works.  I filled out a long form.  It covered the last 5 years in depth, but asked about my medical history for my entire life.  It did not ask about my general health habits, other than not smoking.  There was nowhere to list that I walked 10 miles a week, did yoga 3 times a week, and practiced meditation.  I'm sure I went into more detail than many people would about my medical history, including my eye surgery at the age of 4.  If I'd omitted anything, even by mistake, I knew I could find myself without coverage down the road right when I needed it.  For instance, let's say I forgot about the eye surgery, then three years later I was hit by a car and needed surgery on my leg.  If the insurer found out I'd omitted the eye surgery and could show that was material -- meaning the insurer would have denied coverage if it had known -- it might then refund all the premiums I'd paid and leave me without health insurance.  I could then be facing over $100,000 in hospital bills with no health insurance.  (Hospital bills can easily run above $100,000 when a pedestrian is hit by a car.)

How much I included on the form, or in the follow up telephone interview, turned out not to matter.  The insurer wrote a letter saying it was rejecting me because of the blood clot without looking at anything else.  I'd just met a health insurance broker at a networking event who'd warned me that 40% of people get turned down when they apply for individual coverage.  I called him, and he helped me through the process for another major carrier.  That application was just as involved, plus I had to disclose that I'd been turned down for health insurance.  I was turned down again.

Both carriers sent me information on the Illinois Comprehensive Health Insurance Program.  ICHIP had two programs I qualified for, both for people who had no group coverage available to them.  One was for people who'd kept their COBRA coverage the entire 18 months and wanted to continue insurance.  That had no waiting period and picked up as soon as my COBRA ended so long as I filled out all the correct forms.  The second option covered those who'd been turned down for individual coverage.  That program often had a waiting list, then excluded pre-existing conditions for a set time, something like six months.  I opted for the first plan.  The people administering it were very helpful and always available by phone when I called.  And I got the Blue Cross PPO. 

My plan has a $5,000 deductible and costs around $300/month (based on being a 47 year old female non-smoker).  Nothing is covered under the $5,000, so I was a bit shocked when I discovered my allergy nasal spray was over $100 per month.  I'm very fond of breathing, though, and the less expensive medications I tried didn't work, so I paid it.  I could and probably should have gotten a lower deductible, but I'd been very healthy, so I figured it was worth the risk.  I hit my deductible one year, when I had to have surgery (see Goodbye Ovaries below). 

One thing worried me -- I was required to pay my premium by certified, not personal, check.  And all over the premium notice it said if I missed the premium, my insurance would be gone and I could never reinstate it.  Before my surgery, I thought, what if I have a tough recovery and can't get to the bank to get a certified check?  So I prepared a financial power of attorney to be sure someone could do it for me.  I also didn't know what I'd do if needed to move out of state, as ICHIP is only for Illinois residents.  Fortunately, I love Chicago.

Other than that, I've been happy.  I got to keep my doctors.  I've learned a lot about healthcare pricing.  That's led me to think that a co-pay based on a percentage of the actual charge might be a good thing, as otherwise the co-pays are completely disconnected from the amount of the bill.  On the other hand, I also learned the actual bill has little to do with reality, so long as you are insured.  My surgical bill and emergency room bills were something like 3 times the PPO rates.  So even before I hit the deductible, the insurance was valuable, as I still paid only the PPO rates.  If I'd been uninsured, I would have been liable for the whole amount.

Now my ICHIP program is going away because the Health Insurance Exchange is supposed to make it unnecessary.  According to the state, this should mean my premium will be cheaper because the ICHIP premium is always set at 150% of what the rate would otherwise be.  I'm relieved that, unless Congress makes changes, health insurers can't deny me coverage.  I'm also happy I'll have the option to cover employees, if I hire any again, through the exchange.  (I've had a few different part-time employees over my five years in practice.)  And, presumably, if someday I want to leave Illinois, I'll still be able to get coverage.

I'm concerned, though, that Congress will succeed in getting rid of the insurance exchanges, and I will then be stuck with no ICHIP and no coverage.  I'm also concerned about whether I'll be able to keep the Blue Cross PPO.  I heard that premiums will vary with network size.  So the cheapest plans will have smaller networks; the Cadillac plans will have wide networks. 

On 10/1, I will go on the exchange and see what I can see.  Even before I read articles raising potential technology issues, it seemed unlikely to me it would all be working on Day 1.  I figured that for the same reason I try not to buy a new Microsoft version of anything.  The ones I've bought have always had bugs.  (It was a nightmare when I bought a computer with Windows Vista when it first came out.  I used to walk around the office saying "I hate Bill Gates" over and over.  But I digress.)  I don't expect the government will do better than Bill Gates.  On the other hand, I was pleasantly surprised every time I dealt with the ICHIP people.  So I'm crossing my fingers they are in charge.

I will let you know how it goes.


------------------------------

Lisa M. Lilly is the author of Amazon occult bestseller The Awakening.  A short film of the title story of her collection The Tower Formerly Known as Sears and Two Other Tales of Urban Horror was recently produced under the title Willis Tower.  Her poems and short fiction have appeared in numerous print and on-line magazines, including Parade of Phantoms, Strong Coffee, and Hair Trigger.  She is currently working on The Awakening, Book II: The Unbelievers.

The Awakening for Kindle: http://bit.ly/15bViBm

For Nook: http://amzn.to/pFCcN6

From Then Until Now (Post No. 1 of Adventures in Health Insurance)

Many people in both my professions (writing and law) are self-employed and, as do I, face the on-going issue of how to pay for healthcare or obtain health insurance.  With the changes occurring due to Obamacare or the Affordable Healthcare Act, whichever you like to call it, I thought it might be helpful to share my journey.  I plan to check out Illinois' healthcare exchange on Tuesday, October 1, 2013 and will report on my progress.

I first purchased an individual health insurance policy a couple years out of college.  I had a group plan at my office job (my degree was in Writing/English, thus the office job), but I'd discovered I could earn more temping through a downtown agency and give myself the freedom to take time off to write.  I shared an apartment, lived on a very limited budget, and usually worked about 3 weeks, then took 1-2 weeks off to write, which I loved.  My limited hours meant no health insurance through the temp agency.  For less than $100/month I got a policy with a high deductible that I kept for about 4 years.  Never met the deductible.  I had no trouble qualifying, I don't even recall if the form was long or short or what questions there were, though I'm pretty sure someone came out and gave me a blood test.  A few people told me I was young so I ought to just go without coverage, and I could always get treated at the county hospital.  That sounded like a very bad idea.  One of my friends, a year younger than me, out of the blue needed emergency surgery during a brief coverage gap.  Her bill was tens of thousands of dollars, and she earned not much more than minimum wage.  (She eventually finished paying about 15 years later.)  Also, I felt that if I could afford health insurance, I should buy it, especially because I'd chosen to work less and earn less.  Unlike many people who find themselves without insurance, I could have opted to stay at my job and keep my benefits.

Fast-forward a few years, and I developed carpal tunnel/tendinitis from all the typing for work and for my own writing (and my guitar playing).  The treatment options weren't good back then, and the work comp doctor recommended working until it got really bad, then having surgery.  I researched a little, learned that many people needed surgery again when they returned to work, and decided I ought to find something else to do for a living.  It was a very rough time for me, but eventually I returned to school, earned a graduate paralegal certificate and got a paralegal job where I relied on my research and writing skills and had a secretary who did the majority of my typing.  (Not everything was computerized at that time.)  I also had health insurance with an exclusion for carpal tunnel/tendinitis, as I worked at a very small firm and the policies were more like individual than group policies.  As I'd rejected the idea of surgery, the exclusion didn't affect me too much, but it didn't make me happy.  I didn't know what I'd do if something aggravated my hands and I needed treatment.

Later I went to law school and became a lawyer at a large firm that had a group plan with Blue Cross.  Hooray!  No worries on exclusions, though I never needed treatment for the carpal tunnel while I was a lawyer, having discovered the Microsoft Natural keyboard (which I'm using right now).  Even before I went to law school, I'd had in mind that eventually I'd open my own practice.  Partly, again, so I could take time to write when I was able to afford it, and because I wanted to work for myself.  It turned out I liked the large firm quite a bit, so I stayed 8 years.  After year 6, though, I started talking to people who'd started their own firms to gather information.  One thing I always asked, given my previous experience, was what they'd done about health insurance.

Those who were married generally got coverage through a spouse.  Others practiced part-time and had a full time job where they got health insurance.  Some tried to get insurance through an organization, like a bar association or writers' association.  It turns out those types of plans are not group plans, but individual policies where the members get discounted rates.  Which means, unlike a group plan, the insurer can turn you down.  Which happened to a colleague when she opened her practice.  I was shocked, as she'd never had any health issues and had only been hospitalized when she had her children.  But she'd sought counseling during her divorce and was turned down even though she'd applied through the Chicago Bar Association (she was a member).  The carrier -- one of the major, name brand ones -- said they don't cover people who have had any type of psychological counseling.  She got insurance through another major carrier. 

I decided to use COBRA for my first eighteen months on my own, which cost over $400 a month but kept my Blue Cross PPO.  Everyone told me health insurers only look back 5 years, and I didn't see anything in the last five years that should be troubling, though I had gone to counseling for relationship issues myself before that time.  I hadn't had any major health issues other than the carpal tunnel.  My friends and colleagues thought I was crazy to be concerned.  My only medications were for allergies, I don't smoke, I exercise and am within the recommended weight range for my height, and I'd only missed perhaps 3 or 4 days of work for illness in my eight years of practice.  So I figured when my 18 months was up, I'd apply for an individual policy and I'd be set.

That didn't turn out to be the case.  But more on that next post:

http://lisamlillypad.blogspot.com/2013/09/once-i-became-self-employed-post-2-of.html

------------------------------

Lisa M. Lilly is the author of Amazon occult bestseller The Awakening.  A short film of the title story of her collection The Tower Formerly Known as Sears and Two Other Tales of Urban Horror was recently produced under the title Willis Tower.  Her poems and short fiction have appeared in numerous print and on-line magazines, including Parade of Phantoms, Strong Coffee, and Hair Trigger.  She is currently working on The Awakening, Book II: The Unbelievers.

The Awakening for Kindle: http://bit.ly/15bViBm

For Nook: http://amzn.to/pFCcN6