Stuck in the System:  Those Administrative Hassles May Be Deliberate

A friend has been trying to reinstate her mother’s Postal Service Health Benefits drug plan coverage for the past six months. The plan is administered by Kaiser.

The reinstatement, which everyone involved agrees is proper, has been stalled because my friend’s mother hasn’t signed a form Kaiser claims to have mailed her in March.

The form cannot be filled out online, or emailed, or picked up in person. A physical copy must be sent by US Mail.

In multiple phone conversations, an assortment of Kaiser employees has promised to re-mail the form. It will arrive, they promise, within three to five business days of the most recent conversation.

It is now July. The form has still not arrived.

Many of us in the Parkinson’s community will recognize this experience as we try to get an appointment with a neurologist, or question a medical bill, or appeal an insurance coverage denial. Outside the medical world, it happens when we attempt to obtain warranty repairs, or airline refunds, or even just navigate an automated phone tree.

Lost forms. Endless hold times and disconnected calls. Repeating our stories to a new stranger every time.

In a recent Atlantic article*, journalist Chris Colin calls this stuff “sludge:” deliberate corporate obstacles like paperwork, long wait times, and procedural hoops. The goal: wear you down until you give up.

With enough time, persistence, and organizational skills, it’s possible to fight through the sludge and get that appointment, or refund, or insurance coverage.

But the system delivers huge cost savings to corporations by putting boulders in our path and waiting us out.

Researchers have shown how sludge leads people to forgo essential benefits and quietly accept outcomes they never would have otherwise chosen….

…When I started talking with people about their sludge stories, I noticed that almost all ended the same way—with a weary, bedraggled Fuck it. Beholding the sheer unaccountability of the system, they’d pay that erroneous medical bill or give up on contesting that ticket. And this isn’t happening just here and there. Instead, I came to see this as a permanent condition. We are living in the state of Fuck it.

Colin describes how Cigna saved millions of dollars in 2023 by automatically rejecting claims, correctly guessing that most patients wouldn’t bother to appeal. How Toyota’s financing division was caught “thwarting refunds and deliberately setting up a dead-end hotline for canceling products and services.” And how Ford tortured him for months before finally agreeing to buy back a defective Ford Escape.

For folks with Parkinson’s, who are often dealing with a lack of energy, cognitive issues, apathy or depression, sludge can be a diabolically effective tactic. Stress is particularly hard on those with a chronic illness — and sludge creates stress.

What can we do about it? Colin came up with an intriguing gathering event he calls “Admin Night.”

“Admin Night” isn’t a party. It isn’t laborious taking-care-of-business. It’s both! At the appointed hour, friends come over with beer and a folder of disputed charges, expiring miles, summer-camp paperwork. Five minutes of chitchat, half an hour of quiet admin, rinse, repeat. At the end of each gathering, everyone names a minor bureaucratic victory and the group lets out a supportive cheer.

Admin Night rules. In an era of fraying social ties, it claws back a sliver of hang time. Part of the appeal is simply being able to socialize while plowing through the to-do list—a 21st-century efficiency fetish if ever there was one. But just as satisfying is having this species of modern enervation brought into the light.

Can the small wins of Admin Night overcome the sinister forces of corporate sludge? It’s not a cure, it’s a Band Aid.

But the experts tell us that social opportunities are crucial for slowing Parkinson’s progression. As Colin points out, Admin Night checks that box.

And a small win is a win.

*h/t to my friend Paul Danzer for bringing this article to my attention.




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Bonus for Those Who Read to the Bottom

Don Henley’s “Boys of Summer,” faster and louder.

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Karen O of the Yeah Yeah Yeahs. And Willie.

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Cranberries’ lead singer overpowers Fleetwood Mac.

5 responses to “Stuck in the System: Those Administrative Hassles May Be Deliberate”

  1. collectionleftebb509fd81 Avatar
    collectionleftebb509fd81

    Great article- Sludge is indeed everywhere to benefit those with the power to use it.
    I’m a retired private practice mental health clinician. I retired some ten years ago. Cigna still owes me $100. I’m still waiting for the sludge to clear😜.

    Like

    1. shakinstreet.com Avatar

      I’m sure the check’s in the same envelope as the form from Kaiser…

      Like

  2. catjollyfbfca93c2d Avatar
    catjollyfbfca93c2d

    👏👏👏 Well said! My favorite is the ones who put you through several option steps, trying to get you to use their auto robot v a live person. Or even better, a live person isn’t even possible. I discovered this recently when calling the IRS. 🙄

    Sorry. I have to ‘dispute’ the Fleetwood Mac ‘competition’. Nobody can compete with Stevie Nicks. 😁😉

    Like

    1. shakinstreet.com Avatar

      I’m not sure I understand sludge for the IRS. If Social Security or Medicaid makes itself hard to work with, the net financial result could be positive, since there would be less money paid out. Setting aside the moral issue, sludge makes sense for those agencies.

      The IRS is different, since their primary “service” is to collect money. Anything that makes it harder for taxpayers to pay their taxes is a financial loser. They should have lots of real human beings on the phones, sez I.

      But, of course, nobody asked me for advice.

      As for Fleetwood Mac, I’ve never been much of a Stevie Nicks fan. I respect her, and lots of people I know like her vocals a great deal, but I’m not among them.

      I do, however, really like Lindsey Buckingham’s vocal on “Go Your Own Way,” especially the isolated track: https://youtu.be/buyUcqMCb5k?si=UBQqv9K3ye6P5LEY

      Like

      1. catjollyfbfca93c2d Avatar
        catjollyfbfca93c2d

        I agree on the IRS! The last time I ever called them, there were plenty of humans to talk with. It took me some searching to find a live advocate number.

        As for Stevie, her vocals are so unique, but everyone has their preference. What makes us an individual 😊🦋

        Like

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I’m Phil Bernstein

I was diagnosed with Parkinson’s Disease on May 25, 2023. At the time, I was only vaguely aware of Parkinson’s — primarily from articles in People about Michael J. Fox. And I didn’t know anyone with the disease.

Now, I know a lot more about the illness, and I’ve joined the Parkinson’s community in my hometown of Portland, Oregon.

I’ve found that writing helps me think through challenges, and this illness definitely qualifies as a challenge. I’ve started Shakin’ Street to help me think through the various obstacles, tools, and resources that a newly-diagnosed Parkinson’s patient encounters along the way.

I hope some of these posts help you address and tackle your own challenges.

Let’s connect