Dear friends,
If there is one thing that binds Lyme sufferers together, if there is one burden heavier than the rest, if there is one reason for sufferers not getting better, it would be the lack of money. Nearly every Lymie I know struggles with how they will pay for their medicine and treatments - or if not that, then their mortgage and food.
The reasons for the financial struggle are plentiful. For one, most people suffering from Lyme are unable to work, therefore, they rely on spouses, extended relatives, friends, church support, or government assistance. It's usually a combination of all or some of these.
Another reason for the common financial struggle among Lymies is because most medicines and treatments cost something. Even if it's just a co-pay, when you must purchase six different medicines from the pharmacy, see your doctor once a month, and seek alternative care treatment several times a month, the cost quickly adds up. We would be absolutely satisfied, however, if we had to incur only the cost of co-pays. More often than not, when the diagnosis is Lyme Disease, insurance companies choose not to cover medicine and treatments. For example, last year I spent about $150 per month for six months on an antibiotic that is not covered. In addition, my insurance does not cover supplements, Rife treatments, or counseling.
Finally, because many Lymies do not work, either they rely on their spouse (who presumably works) to provide the medical insurance, or, if they have not been denied, they pay the insurance premiums out of pocket. In my case, I take the latter route by paying for my insurance premium through COBRA. I have nine more months under this program until I must find another insurance plan. While I am thankful to rid myself of one of the most bureaucratic insurance companies I know of (I say this because health practitioners have echoed my sentiments), I am nervous that I may be rejected for my "prior condition." I suppose I will deal with that problem in the spring, but it does cause me great worry.
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The following is a snapshot of my typical monthly medical expenses. These expenses were incurred between the first and last days of August 2009:
- Medical, dental, vision insurance premium: $294.41
- Pharmaceutical medicine: $85.98
- Supplements: $263.80
- Rife machine: $80
- Acupuncture/Chiropractic/Massage/Counseling: $129.25
- Travel: $86
- Total: $939.44
- If I had seen my doctor in August, add another $200 for a total of $1,139.44.
- Total YTD: $9,081.25
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In late July, I decided to apply for food stamps. This was a big step for me mostly because I don't enjoy asking for help. (But I suppose few people do.) In fact, it took me more than a year to apply for food stamps. I considered applying for food assistance last summer after I stopped working, but I assumed that with no rent, no car payment, and no other people to feed, I would not meet the criteria. Lately, some friends began to encourage me to apply for food stamps and since I had just experienced a year of knowing how tight finances really are, I laid down my pride and spent an afternoon in the Department of Human Services office.
I still didn't think I would meet the criteria, but my friendly social worker explained why I did: While students are expected to work at least 20 hours per week, because I have an additional hardship (an illness that keeps me from working), I very much deserve the benefits. I receive $200 each month. The amount was quite unexpected and a little more than I need, but nonetheless, it really does relieve me of this one burden.
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I have a love affair with money. If I worried about it before I got sick, I certainly worry about it now. I am constantly thinking about how much money I (don't) have, which health expenses are coming up, and how much debt I will be in come the end of graduate school.
I worry that the exorbitant amount of expenses will follow me for much longer than the illness ever will, and I worry that I won't get to do the things I dream of doing.
Meanwhile, I worry that I am too concerned about what everyone else is up to, and I worry that I am too concerned about money.
I wonder if everything will turn out just fine, and I wonder that all the time I spend worrying now will turn out to be a big waste.
I wonder if He knows what He is doing. I wonder if He has a wonderful plan - too wonderful to understand right now.
I wonder if I am being protected right now from larger concerns and further debt.
I wonder if I don't know how much plenty I have.
Jesus says He will take care of the sparrows, so why wouldn't He take care of me? I can't spend too much time reminding myself of those words.
I wonder. I believe.
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I think it's important for you to know what it really costs to be well. These financial burdens and worries are typical for any Lymie or, for that matter, anyone with a chronic, debilitating illness. And if you can't tell by now, I don't play games. I shirk most games people play (dating sure comes to mind right now), including the game we play called "Hide Your Money." I don't expect you to show me your checkbook, but I do believe we need to talk about it more.
In fact, I think we
want to talk about it more. One of the most common questions I get is,
How do you pay your bills? This is a question borne out of two-thirds legitimate concern and one-third politically incorrect curiosity. I suspect that half of the people who ask this question are expecting me to tell them I have a large trust fund, but no, personal financial wealth has never been part of my experience. My usual answer is that I am in grad school and I live with relatives to keep my normal costs low. Yet, here is the answer (and subsequent conversation) I would rather share with them:
Ecclesiastes 5 begins with the exhortation to "guard your steps as you go to the house of God and draw near to listen rather than to offer the sacrifice of fools" (Eccl. 5:1, NASB). This is important to remember as we read the rest of the chapter. After the author commands us to be careful with our words and to not flip out when you encounter injustice, he then moves on to the topic, the love of money. Now remember that the author is asking us to draw near to God, to listen to Him, to make Him Lord over your life rather than become indebted to fools. For the rest of the chapter, the author writes that the rich will be burdened by the amount of responsibility that comes with wealth. For the more people consume, the greater the rich must supply. In contrast, the lowly worker is only concerned with going to work and providing for his family. The worker's sleep is "pleasant" - his responsibilities are few and his worries even fewer.
I don't think the author is railing on the wealthy because it's apparent that the wealthy, like the poor, will always be among us. Yet, wealthy or poor, what I think the author is getting at is what comes towards the end of the chapter. To the poor, he writes, "Then I realized that it is good and proper for a man to eat and drink, and to find satisfaction in his toilsome labor under the sun during the few days of life God has given him - for this is his lot" (Eccl. 5:18, NIV). Then to the rich, he writes, "Moreover, when God gives any man wealth and possessions, and enables him to enjoy them, to accept his lot and be happy in his work - this is a gift of God. He seldom reflects on the days of his life, because God keeps him occupied with gladness of heart" (Eccl. 5:19-20, NIV).
The Lord desires that we accept whichever situation we are in - not with passive obligation but with active enjoyment. God did not have in mind for us to say
just one more hour of work or
I won't pursue that girl until I feel settled or
I will wait until I have more money to deal with my health. Our days really are few even though He's asking us not to think about that, either. Rather, He is asking us to seize what we have now, to engage, to enjoy. He is imploring us to reframe the situation: to concern our hearts with gladness rather than burden, to concern our hearts with plenty rather than scarcity, to concern our hearts with love rather than emptiness.
This is what I have: a family who really does love me (even if it's difficult to see sometimes); a multitude of friends on a handful of continents; the ability to concentrate, which allows me to write and work on a Master's degree; enough money to pay for my medical expenses; my ever-increasing health; a pretty sweet tan; and, most significantly, a life found in Christ.
As I said above, I think people want to talk about finances. So what if we started talking about it? What if we started telling each other how God provides, where we feel rich, where we feel poor, and how we feel led to give? What if the conversation turned from our bank accounts to what really lies in our hearts? What if the conversation turned from how busy we are to how we are enjoying the fruits of our labor? What if we changed the conversation? What do you think would happen?
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I may be financially poor, but in all else, I am rich.
A.