When you can't afford to buy the help you need.

Gordon Atkinson, a preacher/writer/husband/father down in Texas writes about what happens when you can't get health insurance, because your health is bad.

It feels like he lives in a third world country, but really it's America.

Unfortunately, every company we contacted turned down me and our middle daughter Shelby. Me because I take Wellbutrin. Shelby because she had some emotional troubles and spent some days in a psych unit in 2007. She was diagnosed with bi-polar disorder and put on medication. She’s done wonderfully ever since, and we’re thankful to have had that time at the psych unit. It saved her life. (She’s fine with me telling you this)

In desperation we contacted a health insurance specialist who explained things to us. “Shelby is uninsurable,” he said. “Forget about her. She’ll never get health insurance.”

“Can’t she get some kind of insurance that wouldn’t cover her for any mental health issues?”

“Nope. She’s not going to get any insurance of any kind as long as she’s taking her medication.”

“That puts us in a hard place,” I said. “If she stops taking that medicine she’ll fall back into that horrible state that she was in. The medicine helps her.”

“I know it,” he said. “But that’s the way it is. You best just forget about her being able to get insurance. Put it out of your mind. No insurance company will touch her with a ten foot pole. You’ll need to keep her on your wife’s old plan with COBRA until that runs out in 18 months. I know it’s expensive, but after that she’ll be eligible for the Texas pool for the uninsurable. But she has to exhaust every other possibility before they will take her, so keep her on COBRA until they kick you off.”

“As for you, Gordon, I know an insurance company that will probably take you. I’ll have to talk to the underwriter, but I can help her understand your situation. You’re not in counseling, are you?”

“No. I’d like to be. Can’t really afford it now that COBRA insurance costs us like $1000 a month!”

“Thank God for that. If you were taking Wellbutrin AND in counseling, I couldn’t help you. That’s the kiss of death.”

“Yeah, but doesn’t counseling actually help people who are depressed? I mean, isn’t that actually a good way for them to get better?”

“Doesn’t matter. The insurance companies don’t like it. They don’t like the sound of someone in counseling AND on medication. It makes it sound like you’re a high risk person.”

“Do you know I’ve never been in the hospital since I was born? And I’ve only missed two days sick at work in 18 years.”

He didn’t look up from his papers. “That doesn’t matter.”

“Now Gordon, understand that if I can get you covered - IF I can - it won’t be with any mental health benefits. That’s over for you. I think I can get you health insurance, but anything having to do with a psychiatrist or any medications like Wellbutrin, well, you’re going to have to pay for those yourself from now on.”

I swallowed hard. “Okay.”