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The poodle who pays for my Obama Care

lily 086

Oftentimes, when to pursue your own dreams and interests you stop working for “THE Man” — as I did six years ago — you end up, unfortunately, without “THE Salary” and without “THE Benefits.”

That — the no more health insurance part — is why I haven’t seen a doctor in six years.

That — the no more salary part — is why, in addition to being an author, freelance writer, photographer and blogger, I recently became a bartender and, even more recently, a dog walker.

lily 047And that brings us to Lily, the poodle who pays for my Obama Care.

I suppose I should be thanking our President for finally being able to get myself some health insurance. He’s the one who made it possible. But Lily, sweet Lily, made it doable.

If being paid to spend time with Lily makes me a gigolo, then call me a gigolo. True, I come calling on her twice a day, three times a week. I knock on her door, give her a hug when it opens, and then wrap her coat snugly around her, making sure her fluffy white ears don’t get caught inside.

We ride the elevator down to the first floor of the assisted living center in which she and her owner live and go outside for a 20-minute stroll — during most of which she walks daintily along the top of the curb, like a tightrope walker. She fastidiously poops in the same spot each time, in the woods on a vacant lot. She stops when I stop, goes when I go, and has never once caused the slightest tug on her retractable leash.

After the walk — and I’ve never met a dog who’s easier to walk — we go back inside. Then we sit in the lounge area and snuggle for maybe five minutes. That is my favorite part and, though it may be vain of me to think so, her’s too.

My other favorite part is seeing the reaction of residents when a dog comes into the room, the smiles that instantly appear and the hands that reach out. It’s amazing the change in atmosphere one dog’s presence can produce.

lily 094I’ve often thought it would be great to run some kind of program that not only brought dogs into facilities for the elderly, but found them homes there, and provided support and help to residents who wanted dogs of their own, but had concerns about whether they could manage it.

That would be fun, and noble, and help homeless dogs, and assist in bringing immeasurable joy to people.

But it wouldn’t pay my bills — much less provide health insurance for me.

I charge Lily $6.50 for  each session.

In  a month, that earns me enough to pay my $137.67 monthly health insurance premium, as determined by the Affordable Health Care Act, based on my income.

That income pales in comparison to what I made as a newspaper reporter, back when I worked for THE Man. I left my last newspaper job in 2008 to write a book, but also because, amid continued shrinkage and cutbacks, it had become nearly impossible to do a story justice and give it the attention it deserved. After that my dog and I traveled the country, and I tinkered with another book, while continuing to write this blog.

We ended up in North Carolina, and last year moved to the little town of Bethania.

A few months ago I started working the bar and grill at a golf course down the street from my rented house. Not to bore you with my finances, but that two-day-a-week job, coupled with my newspaper reporter pension, makes it possible to pay my rent, bills and other debts. I wasn’t bringing in enough for health insurance, though, and — after countless hours wandering around healthcare.gov — I had pretty much decided I would continue do without, pay the penalty fee, and treat any diseases or disorders that arose with chicken soup and ibuprofen.

One afternoon, at the golf course, the aunt of another employee visited and told me about her dog-walking business — business maybe not being the right word. It’s sort of more in between a business and volunteering. She helps residents of an assisted living center with chores, ranging from shopping trips to dog walking, charging a rate that does little more than pay for her gas.

lily 066She, like me, feels strongly that dogs can improve the lives of elderly people, especially those who live alone. I told her if she was ever in a pinch, and in need of a fill-in dog walker, I’d be glad to help out.

A few weeks later she called, and I began walking Miss Lily — at first temporarily, then regularly.

The insurance plan Lily has enabled me to get is not the kind that pays for everything.

It’s more, as I understand it, the type that, after I spend $3,000 or so I don’t have on doctors, will kick in and pay 60 percent or so of my qualifying medical expenses. Even with it, one good medical crisis will probably still send me into financial ruin. But at least it’s something, and I’m abiding by the law, and it might make me more likely to visit a doctor.

And even if I don’t, I’ll still be reaping some health benefits – between all the dog cuddling, which is good for the heart, and all the dog walking, which is good for the heart.

I’m sure there will be much confusion, red tape and arguing ahead when it comes to my health insurance. There always is. And with my income being of the fluctuating variety — depending on the stories I sell, the dogs I walk, the beers I serve — I don’t understand how we will determine the premium I should pay in the future. Is it  based on last year’s income? Or this year’s income, which I won’t know until the year is finished?

Just last month, two more dogs showed up at the assisted living facility.  First came a Boston terrier named Punkin. I take him for three walks a day, three days a week. Then came Gretel, a miniature schnauzer who is 13, and the fastest walker of the bunch.

lily 064That means more income, which means the amount I have to pay for my Obama Care will go up.

For the record, Republican leaders, that doesn’t sap me of any incentive. I still want to have as much money as you. I’d still like to have the kind of health insurance you have.

But at least I can take a rebellious sort of pride in the fact that I’m not working for THE Man.

No. Not me. I’m working for a kind and gentle, polite and refined, sweet and loving curbwalker. I’m working for THE Poodle.

(Story and photos by John Woestendiek)

Comments

Comment from Rox
Time March 4, 2014 at 7:17 pm

You must be in one of the states that defaults to healthcare.gov instead of a state-run exchange AND has plenty of insurance companies “competing” (allegedly) for your business. I am in Oregon, am paid very low wage close to minimum and even with the so-called subsidy I am told I will have to pay nearly $300 monthly premium which only buys me a $5K+ deductible, large co-pays and a whole lotta this: “not covered by this policy.” This money is not only more than my monthly grocery budget it also represents a clear problem – by paying this money monthly I have nothing left to pay for an actual doctor visit. In essence, I’m buying something I cannot afford if I also want to eat, and cannot use because I’ll never have the money to reach the deductible. For some, the ACA was heaven sent. For others, perhaps the other place sent it.

Comment from sue
Time November 13, 2014 at 11:11 pm

Where is your donation button…and a plan for your great dog/elder connection?

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