Oddly enough, it was probably his advice that saved my life a few years later when I was in a head on collision. Had I been wearing a seat belt, the impact from the crash would have caused the belt to crush my chest, and if I had lived, I would have had to file for bankruptcy since I still didn't have health insurance. Fortunately, since I was following my fathers instructions and not wearing my seat belt, the airbags saved my life.
I was on vacation, driving along a two lane mountain highway on a sunny afternoon, when an intoxicated fourteen year old, joy riding in his parents car, came around the bend on the wrong side of the road. I remember my last thought was: Wow, this is just like the Dukes of Hazard. My next memory, I was being unloaded from an ambulance, and the sickly, stale air of an emergency room was bathing me in the reality of what had just happened.
If I'd had health insurance I would think I might have been given various x-rays and pain medications, maybe even gotten seen by a doctor, or at the very lest been given a band-aid or something. But since I had no insurance I was only given a breathalyzer test, and that was by the state trooper who was following up on the accident report.
The impact of the collision had been so strong that the engine of the car I was driving came through the dashboard, and the floor of the car came up to the drivers seat. I must have curled up into a fetal position a split second before impact, because rather than my legs being crushed, only my feet had been broken and now looked like two egg plants, dangling lifelessly at the bottoms of my legs.
Once I was fully conscious, I was told to leave.
I asked the nurse if I could use a wheel chair, and she said "no." I asked if I could use some crutches, and she told me that they don't just give things away, and since I didn't have insurance they wouldn't get paid for them. When I offered to pay in cash for the crutches, she told me that they don't take cash - "this isn't a McDonald's, it's a hospital," she barked. And then she told me that my feet weren't that badly broken, and it wouldn't hurt and I should just suck-it-up and walk.
When I asked if I could have something for the pain, the nurse rolled her eyes, as if I were demanding a sling because I had a splinter in my finger. "You-don't-have-insurance! You-have-no-way-to-pay-for-it!" She said, mouthing the words slowly so I could understand the severity of the situation. And then she left, only to return begrudgingly with her purse. "I shouldn't be doing this," she muttered while rifling through her bag and shaking her head with self-disgust for what she was about to do. She produced a small bottle of Tylenol and instructed me to put out my hand. She then opened the top and proceeded to shake one red and white capsule into my palm. "Here," she said. "Take that." And then she walked away, leaving me to swallow the pill dry.
Tylenol is one of those things that you offer in pairs. When you go out to breakfast and you order eggs, it's implied that you're getting two, not three or one. Offering someone one Tylenol is only done out of hostility, it's like giving somebody one tick-tac.
Around six weeks later I received a bill in the mail. $800 for an ambulance, $1200 for the emergency room, $300 for the breathalyzer, and $75 for one Tylenol out of a woman's purse -coded as "medication."
In the months to follow I would consult a few different personal injury lawyers who would all tell me the same thing: since the parents of the kid who hit me were illegal residents, and themselves had no insurance, there was no point in trying to get my damages covered - they didn't have any money. I could sue them all I wanted, and I'd probably win, but I wouldn't get anything. And even if I could get their wages garnished, they'd just disappear for the season, and return next year with new names. So, in a sense, their not having insurance kept them from having any real responsibility, and my not having insurance saved me from having any read debit.
The boy was fine. I hear he was fine, at least. And his parents got to keep their jobs as migrant grape pickers in Northern California. And I'm reminded of the experience every time it rains and my feet ache. I'm reminded of how badly it could have turned out. I could have died a financially efficient death, or even worse, I could have lived and lost everything.
It was years ago when my father told me that I wasn't insured anymore and to not wear my seat belt, and at the time I don't think I understood what it meant to have insurance. I had an image in my head of a glass, wrapped in newspaper in a moving box. If a glass gets chipped or cracked you throw it away, and I was like a glass without any protective newspaper. Naturally, what I walked away with was: save money, and try not to get chipped, because I don't want to have to glue you back together, kid. Now that I'm much older, when I look back at that conversation, in retrospect, I understand that he might have been joking.
To this day, whenever I clink my glass to someone else's in toast, in the back of my mind I'm thinking here's to your health. And then my next thought is always: Wow, I really wish I could afford insurance.