Reality Bytes: Google Goggles: OCD Sanity Checker
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Sunday, January 10, 2010
Thursday, January 7, 2010
Community Apathy: Public Safety Issue
Community Apathy: Public Safety Issue
UPDATE JANUARY 7, 2010
Blaming the victim not only further stigmatized vulnerable populations, prevents witnesses and victims from coming forward to prevent and report criminal activity. It contributes to bystander apathy and prevents people from reporting crimes.
Community apathy is what leaves me wondering why I am completely invisible to everyone within a 60 mile radius of my home. Not a single person seems to hear a word I am saying.
I know they hear me. I way too loud for anyone to pretend for second that they don't know who I am or why I am so sad and angry to be trapped in this big little city.
No one should be invisible, and it concerns to live in a community that has demonstrated a total lack of empathy and compassion. So yes, once again, my neighbors may hate me, blame me, or just plain pretend I don't exist. Unless, of course they need something... the simple that I don't have anything to give.
That type of desensitization is what allows people to look the other way and blame the victim. This creates a culture of silence, fear, and indifference.
Perhaps you made a profit of the publication of this article, just as the news story I sold for $1.00 a year ago made the publishes 47 times that amount.
But I need a job. I am invisible to everyone around me until they are confronted with their own crisis.
By implying the my "problems" getting the help that I was begging for, had anything to do with psychosis, or a mental health diagnosis, you have astly underestimated me and let the world know exactly how you deal with the people who put you where you are. People like me. And you know who I who i am so form letters,just don't fucking cut it.
I am your neighbor, your fundraiser, your neighbors, constituents, and dare I say "friends" you have shown how muxh you value my "vote and my support."
Thanks, but no thanks. That just convinces me that you are no different from all the other mediawhores who use labels to exploit those who have already been marginalized by society.
It seems to me, that the perpetrator and the witness should have to answer for there actions rather than placing the blame on me.
Is there anything I could have done to invite such a violent and personal atack in my own home? Is there anything any woman, man, or child can do that justifies years of trauma, isolation an fear?
Perhaps you should have commented on what kind of illness allows a man to watch a man use such force to put a woman of 122 lbs against the wall, his hands on a women without even lifting a finger to call 911.
Have you ever heard of Kitty Genovese? She was murdered as 38 people watched. Not a single person called the police or did anything to help as she was brutally murdered in the city of New York. This is due to what we call "Bystander Apathy. " People often look to others for cues when deciding how to respond to a crisis. Sad, but true. Are people that ridiculous?
Having been a both a witness and a victim, I decided that I would never look the other way. It would serve our communities well to adopt the same philosophy. Not only to create a more cohesive community, but a safer one as well.
When was the last last time you called the police or filed a police report? We have criminalized and marginalizesd too many members of society. So where does it end?
I made a decision a long time that it would end with me. But if you were to ask me today, I might have a different answer.
Blaming the victim not only further stigmatized vulnerable populations, prevents witnesses and victims from coming forward to prevent and report criminal activity. It contributes to bystander apathy and prevents people from reporting crimes.
We already have enough problems putting rape victims on he stand.
This is so far from over..
Elyssa Durant, Ed.M.
Nashville, TN USA
Monday, December 21, 2009
looking back.... FAST FORWARD!
Too little too late....
Elyssa Durant, Ed.M.
Nashville, Tennessee
Cell: (615) 424-8810
ed70@columbia.edu
RE: White House Healthcare Forum
February 12, 2009
Dear President Obama & Members of Congress:
There are widespread reports that Phil Bredesen of Tennessee is being considered for a position with the Department of Health and Human Services in Washington, DC.
As someone who has lived and voted in the state of Tennessee since 1996, I have witnessed several shifts in policy, both on the local and federal levels. I am a recipient of TennCare, Social Security, and I a member of the Daniels Class. Governor Phil Bredesen has no place in Washington. Please remove his name from consideration for a cabinet position with HHS.
Order Setting Aside Daniels
Governor Bredesen is currently "holding off in spending" until he learns what federal aid will become available to the residents of Tennessee. I am urging you to take immediate action. PLEASE sign the economic recovery package before it is too late.
Even under of the best of economic circumstances, the state has often been reluctant to release state monies until they are in physical receipt of all federal matching dollars. This delays program implementation and compromises the integrity of the research design. Consistency is a critical component of effective program development and design.
Governor Bredesen had decided to hold back state funds until the final details of the stimulus package worked out, were finalized. Anyone who has followed the healthcare crisis in Tennessee will tell you, Bredesen is not the champion of healthcare we once hoped he would be.
If we hold off on making decisions about the state budgets until the details of this enormous, comprehensive package are finalized, our current programs will suffer as a result.
We cannot wait for a determination regarding federal funding before we to determine our state budget while before we of the programs we already are suffering financially.
Let me assure you that when it comes to withholding critical items like food, housing, social services, it adds up exponentially. Withholding medical care simply because of procedure and bureaucratic red tape, is shameful and cruel. The money is there, but it seems there should be a certain level of oversight and accountability if we expect it to be used effectively without delay and without excessive administrative delay and costs.
How do I know this? Because I used to work for the state during the time when they not only made the as they were transitioning to during the transition from I used to work for TennCare, An Appaling Appeal
We need to have some level of accountability to ensure the timely and proper disbursement of funds. In my experience, there is little recourse for person’s individuals who are caught up in the complicated payment arrangements, complicated language, and the systematic, procedural delay when it comes to the processing and payment of claims. How much longer? Appeal Filed 9/9/2008
Let me personally assure you, that there is a very real human cost here as well... and unless there is immediate intervention, much more than just money will be lost.
Please sign the bill before any more jobs, homes, and future are ruined by because help did not fast enough. Please release the funds, because we are running out of time.
I am 36, and my spinal cord is damaged from years of delayed, sub-standard medical treatment as I attempted to navigate a system that simply does not work. I owe the federal government $179,982.00 in student loans. When I am able to work, I make $10.46/hour as a substitute teacher in MNPS. That job comes with no security and no benefits.
I have an advanced master’s degree from an Ivy League Institution. I am nine credits shy of a PhD.D. in public policy. Despite having maintained a 3.83 grade point average while earning my masters, and just over 3.2 during the three years I was enrolled full time in a doctoral program.
Despite having comparable coverage, the insurance company refused to give me COBRA and would not cover my pre-existing condition even through both Columbia and Vanderbilt Universities used the same underwriter for student medical insurance: Chickering US HealthScare.
I had no break in coverage, and even purchased a private HMO (Oxford) plan that cost several hundred dollars each month just so I could prevent becoming uninsurable before my 23rd birthday.
Wrong. Not only did I continue to pay for all three policies, I also had to pay for treatment and STILL wound up on TennCare and Medicaid.
Despite doing all the "right" things, I was still unable to transfer benefits from one graduate school to the next.
When I was twenty-two years old I developed a medical condition, and it quickly became obvious to me that it would be a lifelong struggle to cope and adapt to having physical disability. I purchased three independent policies, however due to a terminal liability in am ERISA plan, with $1 million dollar major medical policy. As someone who also needed to turn to federal funds and intervention in a crisis, I know that if or when help does arrive, it usually too late.
I understand the how; I just don't understand why.
Maybe one of these days Vanderbilt University and the Department of Education will realize it might just be cheaper to hire me that harass me. I need a real paying job now, but with the skyrocketing unemployment rate, it looks as though I will have a lot of competition.
Throughout the three year process of filing medical appeal after the next, I acquired over 1/4 million dollars in debt in unreimbursed medical care and student loans. I was fortunate enough be able t keep my TennCare that time—only because the state mandated a 30 hour work week, because at 32 hours, your benefits kick in.
Even while in the states employ, I witnessed a pattern of behavior that was reckless and harmful to the citizens of Tennessee. In fact, there were so many changes during short time I was there the time I was there that even my colleagues in the office of consumer affairs did not know about them until we were a formal complaint had been filed by a consumer in crisis.
There was so much chaos in the system because consumers and were not given sufficient information and the state was completely unprepared to respond to the large number of people who their benefits terminated, limited, or transferred. It took several months to update the medical database used to verify insurance coverage, and many more to get that information in sync with pharmacies and providers. Recipients were left in the dark, probably because it was easier that way.
Tennessee Department of Mental Health & Developmental Disabilities
Although I doubt many people people outside of Tennessee are aware of the harsh policies enacted during the Bredesen administration. His endless assault on the state’s Medicaid & Medicare programs resulted in 271,000 people to be dropped off the roles. People who are uninsurable or cannot afford health insurance. He has requested multiple federal waiver to limit federal law rights under the Medicaid Act, and Social Security beneficiaries. Is not the kind of man we want to lead HHS into a new era of reform. He has demonstrated a wanton disregard for the welfare of his own constituents should not be rewarded with a cabinet position in the new administration. He has failed this state, and now it costing money. Where it will come from, I don't know. Perhaps he will turn to the feds.
SSA Forms
Now, again, I face losing my healthcare coverage once again. Please do something, and do it quick. I would not wish this experience on my worst enemy,
Unemployment rates in the state of Tennessee are at an all-time high, yet welfare roles have remained stable. This tells us that despite the financial crisis and sad state of the Tennessee economy, people are not able to access emergency aid that we would expect people to receive in times of economic hardship.
Where is the safety net? Where is the American Dream that I so diligently chased after for so many years? What was the point of investing so much in a future that I can never enjoy? How can anyone justify spending so money much on an education that will never be used?
What will happen when the state begins the 140,000 members of the Daniels Class? DHS has not been able to process the applications already on file. As the unemployment rate continues to go up, we need to be sure that applications for emergency assistance are processed within a reasonable period.
I have no idea how they intend to handle the growing number of unemployed, uninsured, people in need of emergency assistance given that they are already overwhelmed by the number of applications already on file. Is it a really a good time to start the recertification of the 140,000 members of the Daniels Class.?
Let us hope the state is not granted another federal waiver or we are all in trouble.
Sincerely yours,
Elyssa Durant
Nashville, TN
Elyssa Durant, Ed.M.
Nashville, Tennessee
Cell: (615) 424-8810
ed70@columbia.edu
RE: White House Healthcare Forum
February 12, 2009
Dear President Obama & Members of Congress:
There are widespread reports that Phil Bredesen of Tennessee is being considered for a position with the Department of Health and Human Services in Washington, DC.
As someone who has lived and voted in the state of Tennessee since 1996, I have witnessed several shifts in policy, both on the local and federal levels. I am a recipient of TennCare, Social Security, and I a member of the Daniels Class. Governor Phil Bredesen has no place in Washington. Please remove his name from consideration for a cabinet position with HHS.
Order Setting Aside Daniels
Governor Bredesen is currently "holding off in spending" until he learns what federal aid will become available to the residents of Tennessee. I am urging you to take immediate action. PLEASE sign the economic recovery package before it is too late.
Even under of the best of economic circumstances, the state has often been reluctant to release state monies until they are in physical receipt of all federal matching dollars. This delays program implementation and compromises the integrity of the research design. Consistency is a critical component of effective program development and design.
Governor Bredesen had decided to hold back state funds until the final details of the stimulus package worked out, were finalized. Anyone who has followed the healthcare crisis in Tennessee will tell you, Bredesen is not the champion of healthcare we once hoped he would be.
If we hold off on making decisions about the state budgets until the details of this enormous, comprehensive package are finalized, our current programs will suffer as a result.
We cannot wait for a determination regarding federal funding before we to determine our state budget while before we of the programs we already are suffering financially.
Let me assure you that when it comes to withholding critical items like food, housing, social services, it adds up exponentially. Withholding medical care simply because of procedure and bureaucratic red tape, is shameful and cruel. The money is there, but it seems there should be a certain level of oversight and accountability if we expect it to be used effectively without delay and without excessive administrative delay and costs.
How do I know this? Because I used to work for the state during the time when they not only made the as they were transitioning to during the transition from I used to work for TennCare, An Appaling Appeal
We need to have some level of accountability to ensure the timely and proper disbursement of funds. In my experience, there is little recourse for person’s individuals who are caught up in the complicated payment arrangements, complicated language, and the systematic, procedural delay when it comes to the processing and payment of claims. How much longer? Appeal Filed 9/9/2008
Let me personally assure you, that there is a very real human cost here as well... and unless there is immediate intervention, much more than just money will be lost.
Please sign the bill before any more jobs, homes, and future are ruined by because help did not fast enough. Please release the funds, because we are running out of time.
I am 36, and my spinal cord is damaged from years of delayed, sub-standard medical treatment as I attempted to navigate a system that simply does not work. I owe the federal government $179,982.00 in student loans. When I am able to work, I make $10.46/hour as a substitute teacher in MNPS. That job comes with no security and no benefits.
I have an advanced master’s degree from an Ivy League Institution. I am nine credits shy of a PhD.D. in public policy. Despite having maintained a 3.83 grade point average while earning my masters, and just over 3.2 during the three years I was enrolled full time in a doctoral program.
Despite having comparable coverage, the insurance company refused to give me COBRA and would not cover my pre-existing condition even through both Columbia and Vanderbilt Universities used the same underwriter for student medical insurance: Chickering US HealthScare.
I had no break in coverage, and even purchased a private HMO (Oxford) plan that cost several hundred dollars each month just so I could prevent becoming uninsurable before my 23rd birthday.
Wrong. Not only did I continue to pay for all three policies, I also had to pay for treatment and STILL wound up on TennCare and Medicaid.
Despite doing all the "right" things, I was still unable to transfer benefits from one graduate school to the next.
When I was twenty-two years old I developed a medical condition, and it quickly became obvious to me that it would be a lifelong struggle to cope and adapt to having physical disability. I purchased three independent policies, however due to a terminal liability in am ERISA plan, with $1 million dollar major medical policy. As someone who also needed to turn to federal funds and intervention in a crisis, I know that if or when help does arrive, it usually too late.
I understand the how; I just don't understand why.
Maybe one of these days Vanderbilt University and the Department of Education will realize it might just be cheaper to hire me that harass me. I need a real paying job now, but with the skyrocketing unemployment rate, it looks as though I will have a lot of competition.
Throughout the three year process of filing medical appeal after the next, I acquired over 1/4 million dollars in debt in unreimbursed medical care and student loans. I was fortunate enough be able t keep my TennCare that time—only because the state mandated a 30 hour work week, because at 32 hours, your benefits kick in.
Even while in the states employ, I witnessed a pattern of behavior that was reckless and harmful to the citizens of Tennessee. In fact, there were so many changes during short time I was there the time I was there that even my colleagues in the office of consumer affairs did not know about them until we were a formal complaint had been filed by a consumer in crisis.
There was so much chaos in the system because consumers and were not given sufficient information and the state was completely unprepared to respond to the large number of people who their benefits terminated, limited, or transferred. It took several months to update the medical database used to verify insurance coverage, and many more to get that information in sync with pharmacies and providers. Recipients were left in the dark, probably because it was easier that way.
Tennessee Department of Mental Health & Developmental Disabilities
Although I doubt many people people outside of Tennessee are aware of the harsh policies enacted during the Bredesen administration. His endless assault on the state’s Medicaid & Medicare programs resulted in 271,000 people to be dropped off the roles. People who are uninsurable or cannot afford health insurance. He has requested multiple federal waiver to limit federal law rights under the Medicaid Act, and Social Security beneficiaries. Is not the kind of man we want to lead HHS into a new era of reform. He has demonstrated a wanton disregard for the welfare of his own constituents should not be rewarded with a cabinet position in the new administration. He has failed this state, and now it costing money. Where it will come from, I don't know. Perhaps he will turn to the feds.
SSA Forms
Now, again, I face losing my healthcare coverage once again. Please do something, and do it quick. I would not wish this experience on my worst enemy,
Unemployment rates in the state of Tennessee are at an all-time high, yet welfare roles have remained stable. This tells us that despite the financial crisis and sad state of the Tennessee economy, people are not able to access emergency aid that we would expect people to receive in times of economic hardship.
Where is the safety net? Where is the American Dream that I so diligently chased after for so many years? What was the point of investing so much in a future that I can never enjoy? How can anyone justify spending so money much on an education that will never be used?
What will happen when the state begins the 140,000 members of the Daniels Class? DHS has not been able to process the applications already on file. As the unemployment rate continues to go up, we need to be sure that applications for emergency assistance are processed within a reasonable period.
I have no idea how they intend to handle the growing number of unemployed, uninsured, people in need of emergency assistance given that they are already overwhelmed by the number of applications already on file. Is it a really a good time to start the recertification of the 140,000 members of the Daniels Class.?
Let us hope the state is not granted another federal waiver or we are all in trouble.
Sincerely yours,
Elyssa Durant
Nashville, TN
Friday, December 18, 2009
just another letter to congress... this one's about the jobs bill
I am a resident in the state of Tennessee living in the 5th congressional district. I am urging you to take immediate action. We need jobs NOW!
I urge you sign develop a comprehensive policy to help put America back to work NOW before it is too late.
As someone who has lived and voted in the state of Tennessee since 1996, I have witnessed several shifts in policy, both on the local and federal levels. I am a recipient of TennCare, and I am a member of the Daniels Class and received notification on that my benefits were being terminated. Recently.
Despite the fact that I am 37 years old and have received NO support from my parents since I was a teenager, Legal Aid refused to take my case and told me I would have to ask my parents for money. They refused to make a referral to pro-bono association, and I feel that is denying services based upon my parents socio-economic status and social class is discrimination. I cannot fond assistance from anyone locally and when faced with eviction, I was told. Verbatim, a representative at Metro Fair housing to “accept the fact that you are going to be homeless.”
And homeless I became.
Governor Bredesen is currently has invested 172 million dollars into one county in Tennessee. What about the rest of us? We need jobs too, and we need them now! Holding off until January to pass jobs legislation is too late
Even under of the best of economic circumstances, the state has often been reluctant to release state monies until they are in physical receipt of all federal matching dollars. This delays program implementation and compromises the integrity of the research design. Consistency is a critical component of effective program development and design. If we hold back state funds until the feds work put the details of this enormous, comprehensive package, our current programs will suffer as a result.
We cannot wait for a determination regarding federal funding before us to determine our state budget while before us of the programs we already are suffering financially.
When I was twenty-two years old I developed a medical condition, and it quickly became obvious to me that it would be a lifelong struggle to cope and adapt to having physical disability. I purchased three independent policies, and was still covered under a terminal liability clause under a major medical ERISA (federal) plan. As someone who also needed to turn to federal funds and intervention in a crisis, I know that if or when help does arrive, it usually too late.
That didn't work. Let me assure you that when it comes to withholding critical items like food, housing, social services, it adds up exponentially. Withholding medical care simply because of procedure and bureaucratic red tape, is shameful and cruel. The money is there, but it seems there should be a certain level of oversight and accountability if we expect it to be used effectively without delay and without excessive administrative delay and costs.
We need to have some level of accountability to ensure the timely and proper disbursement of funds. In my experience there is little recourse for persons individuals who get caught up in the complicated payment arrangements, complicated language, and the systematic, procedural delay when it comes to the processing and payment of claims. And let me personally assure you, that there is a very real human cost here as well... and unless there is immediate intervention, much more than just money will be lost.
Please sign the bill before any more jobs, homes, and future are ruined by because help did not fast enough. Please release the funds, because we are running out of time.
I am 37, and my spinal cord is damaged from years of delayed, sub-standard medical treatment. I sometimes wonder why I bothered to waste my time.
I attempted to navigate a system that simply does not work. I owe the federal government $179,902.75 in student loans. I have tried desperately to get find work that will allow me the flexibility I need while allowing me to keep my benefits and earn decent salary.
When I am able to work, I make $10.46/hour as a substitute teacher in MNPS. That job comes with no security and no benefits.
I have an advanced master’s degree from an Ivy League Institution. I am 9 credits shy of a Ph.D. in public policy. Despite having maintained a 3.83 grade point average while earning my masters, and just over 3.2 during the three years I was enrolled full time in a doctoral program.
Despite having comparable coverage, the insurance company refused to give me COBRA and would not cover my pre-existing condition even through both Columbia and Vanderbilt Universities used the same underwriter for student medical insurance: Chickering US HealthScare.
I had no break in coverage, and even purchased a private HMO (Oxford) plan that cost several hundred dollars each month just so I could prevent becoming uninsurable before my 25th birthday.
Wrong. Not only did I continue to pay for all three policies, I also had to pay for treatment and STILL wound up on TennCare and Medicaid.
Despite doing all the "right" things, I was still unable to transfer benefits from one graduate school to the next.
I have not been granted any leniency by extending the amount or time permitted to complete my degree-- or allow me to transfer those credits towards another program at the same institution, and ultimately left me financially devastated and emotionally bankrupt.
Vanderbilt will not even transfer any of the credits I paid for (in spades) towards another degree at the same university since they no longer have the program I was initially enrolled in. I think it goes without saying that I do not have the financial resources available to finish my last semester, take the GREs over again, or pay the associated application fees necessary to make the time spent their worthwhile.
Throughout the three year process of filing medical appeal after the next, I acquired over 1/4 million dollars in debt due the student loans I needed to pay for my unreimbursed medical expenses.
My life will never be the same.
My heart will never be the same.
And now once again, I face losing my health care that I fought so hard to get?
Where is the safety net? Where is the American Dream that I so diligently chased after for so many years? What was the point of investing so much in a future that I can never enjoy?
How can I justify spending so money much on an education that will never be utilized?
I understand the how; I just don't understand why.
Maybe one of these days Vanderbilt University and the Department of Education will realize it might just be cheaper to hire me that harass me.
I need a real paying job, but with the skyrocketing unemployment rate, it looks as though I will have a lot of competition.
Please do something, and do it quick. I would not wish this experience on my worst enemy.
Sincerely yours,
Elyssa Durant
Nashville, TN
I urge you sign develop a comprehensive policy to help put America back to work NOW before it is too late.
As someone who has lived and voted in the state of Tennessee since 1996, I have witnessed several shifts in policy, both on the local and federal levels. I am a recipient of TennCare, and I am a member of the Daniels Class and received notification on that my benefits were being terminated. Recently.
Despite the fact that I am 37 years old and have received NO support from my parents since I was a teenager, Legal Aid refused to take my case and told me I would have to ask my parents for money. They refused to make a referral to pro-bono association, and I feel that is denying services based upon my parents socio-economic status and social class is discrimination. I cannot fond assistance from anyone locally and when faced with eviction, I was told. Verbatim, a representative at Metro Fair housing to “accept the fact that you are going to be homeless.”
And homeless I became.
Governor Bredesen is currently has invested 172 million dollars into one county in Tennessee. What about the rest of us? We need jobs too, and we need them now! Holding off until January to pass jobs legislation is too late
Even under of the best of economic circumstances, the state has often been reluctant to release state monies until they are in physical receipt of all federal matching dollars. This delays program implementation and compromises the integrity of the research design. Consistency is a critical component of effective program development and design. If we hold back state funds until the feds work put the details of this enormous, comprehensive package, our current programs will suffer as a result.
We cannot wait for a determination regarding federal funding before us to determine our state budget while before us of the programs we already are suffering financially.
When I was twenty-two years old I developed a medical condition, and it quickly became obvious to me that it would be a lifelong struggle to cope and adapt to having physical disability. I purchased three independent policies, and was still covered under a terminal liability clause under a major medical ERISA (federal) plan. As someone who also needed to turn to federal funds and intervention in a crisis, I know that if or when help does arrive, it usually too late.
That didn't work. Let me assure you that when it comes to withholding critical items like food, housing, social services, it adds up exponentially. Withholding medical care simply because of procedure and bureaucratic red tape, is shameful and cruel. The money is there, but it seems there should be a certain level of oversight and accountability if we expect it to be used effectively without delay and without excessive administrative delay and costs.
We need to have some level of accountability to ensure the timely and proper disbursement of funds. In my experience there is little recourse for persons individuals who get caught up in the complicated payment arrangements, complicated language, and the systematic, procedural delay when it comes to the processing and payment of claims. And let me personally assure you, that there is a very real human cost here as well... and unless there is immediate intervention, much more than just money will be lost.
Please sign the bill before any more jobs, homes, and future are ruined by because help did not fast enough. Please release the funds, because we are running out of time.
I am 37, and my spinal cord is damaged from years of delayed, sub-standard medical treatment. I sometimes wonder why I bothered to waste my time.
I attempted to navigate a system that simply does not work. I owe the federal government $179,902.75 in student loans. I have tried desperately to get find work that will allow me the flexibility I need while allowing me to keep my benefits and earn decent salary.
When I am able to work, I make $10.46/hour as a substitute teacher in MNPS. That job comes with no security and no benefits.
I have an advanced master’s degree from an Ivy League Institution. I am 9 credits shy of a Ph.D. in public policy. Despite having maintained a 3.83 grade point average while earning my masters, and just over 3.2 during the three years I was enrolled full time in a doctoral program.
Despite having comparable coverage, the insurance company refused to give me COBRA and would not cover my pre-existing condition even through both Columbia and Vanderbilt Universities used the same underwriter for student medical insurance: Chickering US HealthScare.
I had no break in coverage, and even purchased a private HMO (Oxford) plan that cost several hundred dollars each month just so I could prevent becoming uninsurable before my 25th birthday.
Wrong. Not only did I continue to pay for all three policies, I also had to pay for treatment and STILL wound up on TennCare and Medicaid.
Despite doing all the "right" things, I was still unable to transfer benefits from one graduate school to the next.
I have not been granted any leniency by extending the amount or time permitted to complete my degree-- or allow me to transfer those credits towards another program at the same institution, and ultimately left me financially devastated and emotionally bankrupt.
Vanderbilt will not even transfer any of the credits I paid for (in spades) towards another degree at the same university since they no longer have the program I was initially enrolled in. I think it goes without saying that I do not have the financial resources available to finish my last semester, take the GREs over again, or pay the associated application fees necessary to make the time spent their worthwhile.
Throughout the three year process of filing medical appeal after the next, I acquired over 1/4 million dollars in debt due the student loans I needed to pay for my unreimbursed medical expenses.
My life will never be the same.
My heart will never be the same.
And now once again, I face losing my health care that I fought so hard to get?
Where is the safety net? Where is the American Dream that I so diligently chased after for so many years? What was the point of investing so much in a future that I can never enjoy?
How can I justify spending so money much on an education that will never be utilized?
I understand the how; I just don't understand why.
Maybe one of these days Vanderbilt University and the Department of Education will realize it might just be cheaper to hire me that harass me.
I need a real paying job, but with the skyrocketing unemployment rate, it looks as though I will have a lot of competition.
Please do something, and do it quick. I would not wish this experience on my worst enemy.
Sincerely yours,
Elyssa Durant
Nashville, TN
Monday, December 14, 2009
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