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Getting old is a bitch!  While I work at staying in shape by lifting weights, working out on my elliptical or riding theOld prospector guy recumbent bike, I found out a few weeks ago that it's not possible to forestall the ravages of time completely.

What happened to teach me this lesson was I went to walk down the stairs to my basement.  At the head of the stairs there was a small nail head that had popped out of the hard wood floor.  I caught my sock on it and started to lose my balance.  As anyone would do, I raised my arm to steady myself against the wall.  That's when I heard, as well as felt a loud "POP" in my shoulder!

Long story short (the stuff that I'm leaving out involves a lot of cussing and swearing as a massively intense stabbing pain shot repeatedly through my shoulder) is that I had torn my rotator cuff.  I wish that I had a better story, maybe one about getting into a bar fight with a bunch of bikers or something, but I don't.  I simply made a sudden motion, at just the right angle to where the middle one of the three muscles that make up my rotator cuff ripped in two.

torn rotator cuffNobody knows why it ripped.  I had never "hurt" that shoulder before though I'm sure that nine years of playing football probably contributed at least a bit towards the injury.  Over the years I had also been hard on my body by playing rugby, working on a moving truck and working the docks at United Parcel Service, but again, I don't ever remember any significant injury to my shoulder occurring.  Knees, ankles and back injuries, yeah, but nothing to my shoulder. 

So, now after 6 weeks, X-rays, two visits with the orthopedic doctor, an MRI, a visit with the orthopedic surgeon, arthroscopic surgery on the shoulder and spending the night of the surgery in emergency room when I started having difficulty breathing (more X-rays and a cat scan), I'm finally on the road to recovery!  

What have I learned from the experience?  Well, a few things.  First, while nobody can stave off the effects of time on our body, there are defiant benefits to working out on a regular basis.  While I was waiting for the surgery the fact that the other muscbikes at cabin les in my shoulder were in good shape made it possible for me to carry on most of my every day activities.  This included being able to take my new mountain bike out for a few spins before I had to put it away for the next three months while I recuperate (what a bummer, huh?  My new bike arrived the day after I hurt my shoulder!)

Being in good shape also benefited me in that the range of motion in my shoulder is such that I only have to go to physical therapy once a week as opposed to three times a week (which is standard).  I attribute this to all the time that I spent in the gym.  Also, it was kind of cool when each of the various nurses and doctors who were attending to me would take note at my blood pressure and heart rate.  Without fail each of them commented on how good they were. 

I'm sure that if my blood pressure was higher or my heart was beating faster that they would have dealt with it, but I can't help but think that being in good shape helped me through the surgery and that it will also help me to get back on my bike sooner!  

Don't Let Your Insurance Lapse!

The second thing that I learned from this experience is that whatever you do, you don't want to get caught without health insurance!  In these difficult times that we are going through, I'm sure that many of you who are responsible for your own health insurance have at least thought about letting your insurance lapse in order to pay a phone bill or something.  DON'T DO IT!

All I was doing was going downstairs to check my email and while I don't know the final tally of it yet, I'm sure that I've blasted by the $20,000 mark so far.  One can argue that we need National Health Insurance (I'm one who makes this argument), but until they implement such a plan, it's simply too dangerous to go bare.

One Handed Typing

While my girlfriend would probably be surprised to hear that I'm having trouble with this, I've learned that it's damn difficult to type with just one hand!  To anybody who might have noticed that I haven't posted in a bit, this is how come.  Today, one week after the surgery, I was able to lift my arm up onto my desk so that I can type. 

My shoulder is barking at me a bit, but I really wanted to make that last point about keeping your insurance going through these difficult times.  Also, no matter what your politics are, please look at the issues revolving around our country getting a National Health Insurance program.  It's my understanding that right now that there are over 43,000,000 Americans who don't have health insurance coverage.  What's worse is that quite a few of these people COULDN"T get health insurance, even if they were willing to pay for it!

Health care is a public good.  No different than roads and defense.  It's something that we all need, but that the free markets aren't providing (at least in an adequate amount - as evidenced by that 43,000,000 number mentioned above).  It's ashame.  It truly is.  

 

R.B. "Bob" Mitchell

ValueList Real Estate Services, Inc.

 

Bob Mitchell is president of ValueList Real Estate Services,  St. Louis' largest discount/full-service real estate and mortgage company.  If you would like to find out more about Bob, ValueList or our flat-fee listing program, please feel free to visit our web site at valuelistre.com

 
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9 Comments on Getting Old While Being Self Employed - The Need For Health Insurance

Bob, I agree with you so completely.  From aging being a bummer to health insurance being  needed by everyone.  If you haven't watched the movie "Sicko" rent it and watch it while you are nursing your shoulder.  I also agree that lots of people can not get insurance even if they can afford it.  It'a a big mess.

 

04/22/2008 03:04 PM by Barbara S. Duncan ABR, CRS, GRI, e-PRO Searcy AR (RE/MAX Advantage)


Bob, Sorry to hear about your shoulder but happy to hear all wil be well.

I let my health insurance lapse about 5 years ago. 6 months later I had to have back surgery and had to pay cash for it. Ouch!!!!! But what I did find out is that you can have a $60,000 surgery for $12,000 if you are a cash pay and able to negotiate. I was able to get $3,000 MRIs for $350!! What it showed me was how the insurance companies are getting raped by big med.

Get better my friend.

04/22/2008 03:33 PM by Bryant Tutas-Tutas Towne Realty, Inc


Bob not much can prevent an accident.  But being in shape is a plus.  I also have negotiated prices down not covered by insurance.

04/22/2008 07:43 PM by John Walters (Specialized Real Estate)


Barbara:  I did watch Sicko and to be honest, I think that the entire medical/insurance industry is simply a giant scam!  As Bryant pointed out in his comment, a $3000.00 MRI for $350?  Why would that be possible?  My theory is that if you look at who owns the for-profit hospitals that you would see that a large percentage of their stock holders are institutional investors.....I.e insurance companies.

If they own the hospitals and the "profits" are coming back to them in the form of dividends and stock appreciation what do they care if an MRI cost $3000.00?  True, they are paying for them for their insured, but if you make health care so expensive that you can't afford to go without, then people are going to buy your product!  Then you can use the $3000.00 MRI's as an excuse to charge your customers more for their insurance!

I have nothing but intuition to back this statement up, but I wonder how far I am from the truth?

Bryant:  What a bummer about that surgery!  Good thing that you're a good negotiator!  I hope that your back is feeling better!

John:  Other than feeling better, both physically and about myself, I had never really appreciated fully the benefits of working out.  It was nice overhearing them say things like, "no we don't need a cardiatric consult...he's in great shape!"  Thanks for the comments!

 

Bob Mitchell

ValueList Real Estate Services, Inc. 

04/23/2008 08:15 AM by ValueList Real Estate Services, Inc.


Bob, sorry to hear of your latest health difficulty and thanks for reiterating to all the self-employed to carry at least catastrophic coverage. Lack of medical insurance is one of the reasons that can easily sink people into bankruptcy. As John said, sometimes depending on your coverage, you can be charged on a sliding scale.

04/27/2008 02:27 PM by Gary Woltal - REALTORĀ® Dallas Ft. Worth (Keller Williams Realty)


It's a tough world where prices everywhere are rising and our business in specific has seen a downturn in money coming in. Health insurance is a bummer to go without and your words are true... accidents are unpreventable sometimes.

04/27/2008 04:34 PM by Lindsey Hasford (Coldwell Banker Vision)


Gary:  Thanks for the kind words!  You're right about it not having coverage being a leading cause of people going bankrupt.  Over the years I can't count how many loan applications that I've taken where one or both of the parties have declared bankruptcy because they didn't have health insurance.

I'm fortunate because I'm covered under my significant other's policy (she works for a company that extended benefits to significant others and not just husbands and wifes.  Thank you Gay Rights movement! ;-)  Otherwise health insurance premiums would have to compete with telephone bills and such for top spot!  Thanks for the comment.

Lindsey:  It really is a bummer, especially for small businesses.  If you're "group" has even one major claim during a year, you can almost guarantee that your next years premiums are going to jump.  Prior to dropping health care as a benefit to my employees we had to switch insurance companies 3 out of 5 years because our premiums had jumped so much.  This is one of the reasons that I'm for a National Health Care Plan.....the current situation gives way too much advantage to big companies over little ones!  Thank you for your comment.

 

Bob Mitchell

ValueList Real Estate Services, Inc. 

04/29/2008 09:31 AM by ValueList Real Estate Services, Inc.


Bob, It astonishing how fast the bills add up.  Two year s ago I herniated a disk in my neck and when it was all said & done the bills totaled over $60,000.  I was really glad I had good health insurance.

Brian Bartley

04/29/2008 09:36 AM by The Bartley Group - SouthEast MN Real Estate (Coldwell Banker Home Connection)


Brian:  It really is amazing.....I don't know how much this is going to tally up to, but I know that it's going to be a pretty penny!  Enough to where if I was having to pay for it myself....even if I hired BB to negotiate for me, I still wouldn't be able to afford it.

All that is another reason that we need to join the rest of the industrialized world and come up with a national health insurance plan!

 

Bob Mitchell

ValueList Real Estate Services, Inc. 

04/29/2008 09:48 AM by ValueList Real Estate Services, Inc.


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Real Estate Brokerage: ValueList Real Estate Services, Inc.
Bob Mitchell - Realtor St. Louis
Saint Louis, MO
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ValueList Real Estate Services, Inc.

Office Phone: (314) 231-5478
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A blog about St. Louis real estate and about real estate in general from a guy who has been selling real estate and doing mortgages since 1984. I'm also the owner of ValueList Real Estate Services, Inc. a discount real estate company serving St. Louis since 1995!


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