Dave Atsals

Cobra Sucks: or why at 42 I want Obamacare to Allow Me Back on My Parent’s Insurance

Dave Atsals

In this age of horrible economic times, amidst constant rallies to restore sanity and/or fear, and/or Honor, or to retrieve the U.S. Soul and/or Other Imortant Things and stuff (God, Zano’s an idiot), I would like to vent my frustration about something completely different, the program known as COBRA. 

COBRA, much like the name implies, really bites.  The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families, who have lost their health benefits, the right to continue group health benefits for limited periods of time under certain circumstances.

Qualified individuals may be required to pay the entire premium for coverage up to 102% of the cost to the plan.  Currently the government is even offsetting some of the cost by paying a percentage of this for the many displaced, disgruntled, and discharged workers across our country.  You know…most of us.

The idea is sound. Let’s face it, people need insurance and this helps people maintain it for a time between jobs.  The operation itself, however, is as dismal as the Daily Discord’s marketing team.  You know…..me.

First, you sign up and you have a large time frame (about 45 days) then payments are due the 1st of each month with a thirty-day grace period.  Basically, I got a monthly payment coupon book with a box on each slip stating payment amount due. 

The block of coupons I received came in on the 15th of the month, so I filled out that month’s coupon, in crayon, and just discarded the coupon sent for the previous month.  I continued to mail my payment in by the first of each month.  Please note, they have no website, or contact number of any kind to make payments.  There’s no way to check on your account—just these old fashioned snail-mail coupons from hell.  In August, I mailed my check out on the fourth, but, heck, you get that 30-day grace period to get it in, right?  Besides, I had never received a late payment notice.  What’s the worst that could happen?

Then I received this letter in the mail on August 16th.  The ‘mailed on date’ was August 10th

Dave Atasls' COBRA letter

Realizing the Family no longer had health insurance (actually hadn’t had any for the last 16 days), I looked through my bills.  I had accrued over $2,000.00 in medical bills during that time period (most of which went to having a mole removed and then placed strategically somewhere else on my person).   Now my mole relocation project (MRP) would not be covered by insurance (to say nothing of my lobomasto-mnemonic-inhibitor—an operation to help me not think about women’s breasts so much).

I called the COBRA people with a verbal tirade that would make the Crank and the Ghetto Shaman proud.  It got me nowhere, just like college. 

I then sent in this letter of appeal:

Dear Cobra Control Services,

This letter is to appeal the termination of my cobra coverage, on July 1, 2010.  I was in error, I believed that the payment I sent in on 8-03-2010 was for August, but it was July’s payment making it after the thirty day grace period.

It was in no way meant to be taken as I wanted to discontinue coverage, which my family needs.  I received no notice as to anything being late and was not aware of my error.  I ask you to consider reinstating my coverage.

If reinstated I would make immediate payment for July and August.

Please contact me at if you have any questions or need further information.

Respectfully submitted,

David Tiberius Atsals

In a letter received from COBRA ten days later I was informed that my appeal was denied and reminded that any medical bills, or mole migration procedures from July 1st on, were now solely my responsibility. 

THANKS!

I have several complaints about this whole confusing process.  No late notices? No way to check account activity?  No notification before the fact that your coverage was terminated?  The worst part of the whole affair, the check I mailed out on August 4th was somehow cashed by them for insurance which no longer existed!

The follow up letter I will be sending COBRA Control Services, LLC will be authored by the Ghetto Shaman and the Crank—after I ply them with enough alcohol, Coca Cola, and nutmeg to “down a rhino.” 

Maybe I’ll even send COBRA a few non-covered bills.  Hell, I can’t afford to pay them anyway.   But I love my new mole!  I look Marilyn Monroe now, sort of, and I can say that now without even thinking about her pookas.   Well, at least not as much.

I then authored this letter to President Obama:

Dear Prez,

Whereas I appreciate extending the coverage to young people until age 26, in my case this falls about 16 years short of the mark.   My parents will happily allow me back on their insurance plan, provided they don’t find out.  Oh, and when you get a chance please shut down COBRA.  It should be replaced with an organization that is at least as technologically savvy as John McCain for fuck’s sake.

Respectfully submitted,

Dave Mortimer Atsals

As Mick Zano would say, I didn’t send the ‘for fuck’s sake’ part, but it was implied.

Serendrunkity and Drinkronicity

Dave Atsals

Many believe we are subject to increasing synchronicities as we spiral toward some type of mass awakening in the near future.  I have noticed this increase in strangely linked events, but only when leveled against my own rising blood alcohol content and when dealing with old, pain in the ass pals who also happen to be fellow Discordians.

Communicating with the mindless also tends to magnify this effect.  When I deal with my college buddies any number of strange events tend to occur.  I spoke to our illustrious CEO, Pierce Winslow, at a wedding last week about some of those glory day coincidences (GDCs). Remember that time?…or, when this or that happened?  

He suggested I write a feature on it, so I categorized several stories that seemed beyond coincidence.  I decided there were too many of the damn things, and they weren’t really related, so I ditched the whole idea. 

Then, a few days ago, I was at a job interview when my cell phone, which I forgot to turn off, rang.  Of course, I wasn’t expecting it to ring—having few friends, it usually only happens once or twice a week.  Unfortunately, it was one of those times.  Imagine being in a job interview and your phone starts blaring, Awhooo Werewolves of London. Shocked as the woman interviewing me seemed, I pardoned myself and answered the phone.  I had missed the call but heard this message.

“Hey Dave, it’s Zano.  Do you have that feature for me?  Winslow said you were working on one.  Hey, I talked to Pokey finally.  He’s alive.  I guess that’s it, later.”

At that point, not only was the conversation over, the interview was as well.

So, I decided to narrow my story down to focus on the few weird phone call stories between Winslow, Pokey, Zano and I.  One story immediately came to mind.  Zano called me this other time, while I was coaching the local high school football team.  It happened to be third down and three.  I was amidst a huddle.  I called for a time out, ran out to the offensive to make a decisive, game altering play call.  I answered the phone and said, “Pass or run?” to whoever was calling. 

Mick replied, “Pass.” 

I hung up on him and called a pass play.  Of course, the pass was intercepted and ran back for a touchdown.  Phone call over, Mick’s coaching debut over, and game over to boot.  Now I understand why Pokey McDooris lives in a phoneless convent.

Mick’s wife is even worse and, when Pokey is involved, all hell tends to break loose.  Once I made the mistake of heading to Mick’s house for a little visit.  I could plainly see that someone was home, but the whole ringing-the-doorbell-thing wasn’t working out.  Pissed that I was being ignored—with a little help from a screwdriver and my criminal past—I climbed through a window.   The phone rang as I entered the kitchen and Mick’s wife and I both picked up and said, “Hello” in unison.   The conversation went like this:

“Dave, what’s up?”

“Hello?”

“Dave?”

“Yeah.”

“Mick isn’t here right now, but I’ll tell him you called.”

“Actually, I’m in your kitchen, on your other phone… mind if I grab a beer?” 

“WHHAAT?!  I’m in the tub, you moron!  How did you get into the house, and why are you calling me from my own kitchen?”

At that point we both hear an operator of some sort saying, “Please deposit fifty-five cents.”

Turns out, this marked Pokey McDooris’s only call since moving to Arizona a year and a half earlier.  He was calling from some convent in Prescott and just listening to our conversation in pure bewilderment. 

Another strange piece of Discord lore is this: Pokey, at the time of our tale, had moved to Arizona, alone, for reasons only he can fully fathom.  He lived at a place called Church on the Street and then a couple of years later he moved back to PA.  Zano then, for reasons only he can fully fathom, moved his family to northern AZ.  Churches won’t have him, so I’m betting he’ll wind up on the street.

So after that wedding last week in Philadelphia, Winslow and I parted company. En-route through those Pennsylvania hills, I tried to think of other funny synchronicities.  None of our memories are too good after college, which really isn’t much of a surprise, really, considering our hopular habits and all.  There wasn’t enough for a whole feature, so that’s about when I was considering ditching the idea.

So a few days later, Winslow calls me.  I ask him about the sweatshirt that I had lost over the course of the weekend’s festivities.  I had also broken my glasses as well.  In other words, it was a good Irish wedding (hat tip: Timmo).  He asked me to describe it.  Turns out he’s wearing the damn thing!  So then I call Zano back in AZ to tell him I’m finishing up this article to see if he’ll like it.  When it comes to the Discord, truth be told, he’s kind of a pecker head.  I tell him my idea, tell him about the wedding, and tell him how Winslow’s wearing my sweatshirt, right now. 

Zano, without missing a beat, said, “Do you remember that grey shirt of yours that says  Outer Banks  North Carolina?”

“Yeah.”

“I’m wearing it right now.  I don’t know how it ended up in Arizona and I’ve been meaning to tell you about it, honest.”

I said “Pass or run, Zano,” and hung up on the bastard.

Next time my phone rings and it says Mick “Dumbass” Zano on the screen, I’m not answering and neither should you.  I wish, just once, he would call me for something important like, maybe, “Hey, Dave I moved to Arizona.” 

I found out that tidbit of information two weeks after the fact as I was once again crawling into the same window only to find a completely different décor.  No shit, I broke into someone else’s house!  Well, luckily, the new guy had a better beer selection than Zano.  But the chick in the tub was even less happy to see me.  OK, really, no one was home, which probably helped me avoid felony trespass charges…er, again. 

Now many of you are probably questioning the events of this fine feature article.  The only folk not questioning anything, probably know us personally.  They’re thinking, “typical.”  I personally believe in the weirdness magnet phenomenon (WMP).  You can’t hang out with these bozos for 20 years and come to any other conclusion.  And maybe there’s something to this whole drinkronicity thing as well.   Let me pop open a beer.  Hold on, the phone’s ringing…Oh, shit.