Insurance Threatening To Revoke My Coverage

[Truthful_Whispers]

'There is a difference in definition of a traveler and a driver. If one is to use the highways for leisure and the pursuit of Life, Liberty and Happiness then one can use an automobile without interference from City or State regulations. If one is to conduct business on the Highway for hire or personal gain then one is subjected to be required to have a Drivers Licenses. When you go to your local DMV and apply for a Drivers Licenses you have to pass their tests to be considered an able operator of the motor vehicle. When you sign the licenses you also pay a fee and you relinquish your rights and are subjected to the ordinances and statues of that state. The license is there for required to be an operator and or driver of a motor vehicle in the use of commerce. If one is to own an automobile for private use of travel there is no law that affords you to surrender your rights to such a contract as a Drivers Licenses. The definitions of such words are important to understand: Traveler, Driver, Operator, Automobile, Motor Vehicle, Personal Travel, Transport in Commerce, and Traffic. Knowing the definitions of these words and how they are used in Federal Law under the Constitution are very important. With this said, if one is to be a traveler for personal leisure in the pursuit of liberty and not in commerce, then the statutes of having a drivers licenses, insurance, registration and even inspections in some states do not apply. If one is to use in business of commerce or for profit, then all of these can be required. The reason for the latter is to protect the publics ability to freely travel under the provision of the Constitution. The fees charged for these contracts are supposed to go towards the states treasury to repair such highways. A forced drivers licenses to openly travel without the purpose of commerce, the forced mandated insurance, the forced mandated registration is unconstitutional. For these to be forced on people who in fact use the public highways for profit is Constitutional. If you are to use an automobile as a traveler you can not be forced by law enforcement officers at a sobriety check point. This is an illegal stop, search and seizure. If you are conducting business on the highway for gain in commerce then you would have to abide to the sobriety check point. This understanding of the law needs to be spread as much as possible across this country. There should be a fine line between the powers of the state over the people'.

 

[void]

@void Yeah, that's the problem. I can't prove state residency for his who...

@theshadowoftheliving
do you have someone who could speak with them on your behalf, to shield you from the stress of the interaction?

 

[Friday]

Link Removed No homeless shelter on my record (always stayed with friends) and no place I visit regularly except work (which doesn't count because I could be commuting from a different state). No therapist (which is part of the panic, because I know I need one). This is why poor people stay poor - once down, it's just so hard to overcome these hurdles to be okay, never mind comfortable.

Sorry to rant. It's been a long few days and I'm overwhelmed and ashamed at how broke and pathetic I am for how educated and successful on paper I am. Plus, I know that the very things I need help for (PTSD and depression) are what are causing me to feel complete overwhelmed and immobilized by my situation. I'll think more on who might be able to write me a letter.

Cha. I know. While I've been various kinds of homeless in the past (first PTSD tailspin)... But I've also been winging it for the past 18mo or so here in my second. When I have my son I stay with family, when I don't have him I do a lot of different things.

I've never stayed at a homeless shelter. I have, however, used them from time to time to sort out govt. clusterf*cks like paperwork... As the staffs there usually understand the variability of living on the edge. Many, if not most, are willing to fudge the paperwork a bit if you tell them what you've been doing instead (couch surfing, sleeping at the beach, catching naps on trains, etc.).

 

[scout86]

I suppose a lot of this is going to depend on which state you live in. What do they accept as "proof of residency"? Voter registration? Tax returns? Driver's license? Lots of people don't live in the state where they are a legal resident 12 months out of the year. You shouldn't have to prove that YOU did. Have you ever been a resident of another state? And, for crying out loud, LOTS of people on Medicaid move around a lot. Seems like this would be something they'd deal with a LOT. Is the problem the system there, or one pig headed individual?

What, exactly, are they telling you you need as proof?

 

[theshadowoftheliving]

The problem is the system, the people I'm dealing with, and the fact that I just don't have the energy or emotional stamina to deal with anything difficult right now.

It should be okay - I hope - because I *just* signed a lease for a new apartment starting on September 1. I have $7.64 in my bank account as a result, but they won't be able to claim that I am not living in the state. I just have to convince them that they can't revoke anything they've already given me.

@scout86 They want a copy of a lease, or a signed and notarized letter. Or, "proof deemed acceptable", meaning if I can manage to talk to the right person, I should be okay.

I just want to die, however. I'm so F%^&&^ exhausted that I don't care most of the time. But when I do, I panic. But then the rest of the time ... I feel like crawling into a hole and dying would make more sense. Except that it doesn't. I think. Navigating this is just so hard and frustrating, and I think that it would almost be easier to just work more and get better insurance than try to deal with what the state is willing to give me.

Plus, to top it off, my state is supposedly one of the best in these matters. That's scary and frustrating.

 

[scout86]

I totally sympathize with how you're feeling about this! Been there, done that. I actually didn't try all that hard and stumbled through alone. But that's another story.

Or, "proof deemed acceptable",

They can't MAKE you live someplace with a long term lease etc. As far as I know, there is no state that requires that for residency. Have you tried getting a couple of the people you've borrowed couch space from to right a letter saying you're living there? Even if they have to lie? There's no way to "catch" that kind of lie. The whole thing is stupid to begin with, anyway.

The last time I was in your situation, I was going to "solve" the problem by getting a PO box. Then I was told that now, due to Homeland Security (?!) you need a physical address to get a PO box! :banghead::banghead::banghead: I had a friend who owns her own house. She let me borrow her address and I just told the powers that be that I lived THERE. That solved that situation. This has got to be a common problem. I sure hope you can find some nice person to help you jump through the hoops!

 

[theshadowoftheliving]

Update: called today. They say the proof of residency isn't a problem anymore, but the proof of income is. (Apparently my last year's 1040 isn't good enough?!). More runaround. I'm so exhausted. I feel Ike it's just runaround for the sake of runaround; an attempt to get me to give up.

 

[scout86]

On "proof of income". This really freaked me out, when the whole "Obama-care" thing started. Now, I THINK this is "national", not "state". I'm self employed. It looked to me like they were asking me to guess how much I was going to earn the next year. Yep, it appears that's what they wanted. I, coming at things the way I often do, was sure I was going to get it "wrong" and end up in jail, or Gitmo, or something. They tell me that won't happen.:mad:

Your income tax return from last year is FINE, no matter what they're trying to tell you. If you've got any regular, documented income coming in this year, then something like a pay stub, or receipt, or what ever documentation comes with it. If you're getting some kind of disability, I suppose there's a record. If you haven't had any income coming in then last year's return and your best guess is what you need.

Crazy system, IMO, but that's the way it works. I imagine each state manages this their own way, but LOTS of people don't have much income and it's pretty hard to document something that doesn't exist.

Since we're on the subject of insane ways to run a system....... It's Aug and I have yet to get a bill for my state subsidized insurance in 2015. I got a notice early in July, saying there'd be a glitch of some sort, but I still haven't gotten a bill. But it appears that I have insurance.....Although my T says he doesn't know if he's gotten paid or not because HE'S not very good at this "paperwork stuff". :confused:

Don't give up. :hug:

 

[joeylittle]

The problem is the system, the people I'm dealing with, and the fact that I just don't have the energy or emotional stamina to deal with anything difficult right now.

Try and hang in there. You're doing great - you are getting things done. And remember, just like you said, above: you are dealing with multiple external stressors that are hard for anyone at the best of times, let alone someone carrying the 10 ton lead weight of mental illness. When you get too overwhelmed, just take a break, try and catch your breath, and get back in the fight. I really connect with how hard this stuff gets when your emotional and mental reserves are depleted.

 

[theshadowoftheliving]

@joeylittle Thank you for your kind words. Just finished spending $26 faxing documents at Staples (couldn't, for the life of me, find a friend with a fax machine, nor does my work have one anymore, and the insurance people don't accept emails) to prove that I am poor. Oh, the irony. Fingers crossed this all sorts out. I just want therapy and health care; I don't want to feel like this anymore ....

 

[theshadowoftheliving]

UPDATE!

Still fighting with them (perpetually, always, forever), but received a letter today saying that I am temporarily approved, meaning that they can't claim I was uninsured when I sought medical care over the summer (which I was panicked I would get billed directly for).

Such a relief. Now, to try to find myself some psych health care .... and keep on fighting to stay covered. sigh.