Growing up, I (Kendra) didn’t understand my dad’s job. I knew he was an agent who sold insurance. I remember going into his business and noticing all the paperwork everywhere. But after dealing with insurance for several years, I have a greater appreciation of my now-retired father’s career. Now I know, he wasn’t just a salesperson. He was his clients’ advocate. Even though I didn’t understand what was happening, I do remember my dad educating his clients about the insurance world. It is a very different world: network and out of network, deductibles, and co-pays. It is difficult for us who don’t live in that world to know what questions to ask and make wise decisions.
Recently, I found myself wishing for an insurance advocate. If you’re following my blog, you know that I have a brain tumor and last fall I received proton radiation. Initially, my insurance didn’t want to pay for it. They justified it as “out of network,” and conveniently didn’t have any place that does proton radiation in my network. After much paperwork, we (my doctor and team of people) convinced an independent review that I needed proton radiation, and Kansas forced my insurance to pay for the treatment.
But recently, I learned that although they paid for the treatment, I am being charged for the doctor’s appointment: over $6,000. I started the paperwork to try to convince the insurance to pay for the doctor. I was so confused. Is it a separate issue? If you have an issue with your insurance, you are supposed to go through their system of review first.
I wanted an advocate. Someone who will help me know what to do, but unfortunately I don’t have one. Because of changes in the insurance industry, I don’t have an agent.
I am grateful that I do have an advocate. He made not look like my dad, but I know I am not fighting this alone. Jesus is my advocate. Although I may lose money over this, insurance can’t take away my soul. Jesus is also constant. There will not be changes that happen that will keep Him from being my advocate. I will just try to walk as He walked, and Jesus will be with me.
1 John 2:1-6 My little children, I am writing these things to you so that you will not sin. But if anyone does sin, we have an advocate before the Father—Jesus Christ, the Righteous One. 2 He Himself is the atoning sacrifice for our sins, and not for ours alone, but also for the sins of the whole world. 3 By this we can be sure that we have come to know Him: if we keep His commandments. 4 If anyone says, “I know Him,” but does not keep His commandments, he is a liar, and the truth is not in him. 5 But if anyone keeps His word, the love of God has been truly perfected in him. By this we know that we are in Him: 6 Whoever claims to abide in Him must walk as Jesus walked.