What it Feels Like to Get Health Insurance

Monday, February 17, 2014

I Crack the Secret Code


In spy movies, there’s always a lynchpin secret that, if revealed in its entirety, floods everything with light and brings everything that was mysterious into complete focus. Usually the spy is sniffing around the edges of this secret and doesn’t have the full mosaic together until the story reaches a climax – and then the secret is revealed, and all makes sense, and suddenly … Game on.

This is how it was with my struggle with the UPT Secret Code.  I had a few key pieces of information that were adding up. Let’s review, because in returning to this tale after several months, everyone could use a refresher, anyway:

  1. The UPT, or “Units Per Transaction,” measured how many items had sold per customer during a retail worker’s time on the sales floor. The ultimate goal was to achieve three items per customer.
  2. My manager had made it clear that she would give me plenty of hours to work, as long as I improved upon my UPT. During my first employee review, she’d scored my efforts at 3 on a scale of 1 to 5, even though I was at the top average of Cracker Barrel retail workers in my Ole’ Country Store, sometimes selling 2.8 items per customer per hour.
  3. The economy at the time was down, and sales in our store were down from the previous year. I’d already been advised by one of my co-workers, Monica, that achieving three UPTs per hour was a near impossibility and rarely happened.

That said, I was determined to keep my UPT high and push it even higher, even though I felt the performance review was unfair. The bottom line was, I needed to work enough hours to qualify for my health insurance policy, and that’s where I held my focus.

When the last week of October 2011 rolled around, I was pretty sure that everything was in the bag. That’s because we were entering the Christmas sale season.

Understand this: If anyone could sell cheap Christmas trinkets made in China – even on a July scorcher of a day when you can fry eggs on Macadam – it’s me.

I am all about Christmas. All you have to do is hum, “Deck the Halls,” and I’m dashing about like an elf. I have entire boxes of Christmas décor that replace all of my regular home trappings for the full month of December. I’ve baked every Christmas cookie known to man to place on the hearth for the Big Guy. I’ve thrown Narnian-themed Christmas parties featuring Turkish Delight off the plane from Ankara. I’ve whipped up “reindeer food” with my kid (oatmeal mixed with glitter, because, you know, it needs to sparkle in the moonlight so Rudolph can spy it in the clouds). And I’ve even decked my outdoors with suspended light-filled globes throughout tree branches for that ethereal magical atmosphere.

You say “Christmas,” and I say, “Can I get a ‘Glory-Hallelujah-in-the-Highest-Peace-to-all-Men Amen?’ Let’s make some egg nog ice cream!” (Have you tried it? It’s GREAT!)

So when it came to combining “Christmas” with Cracker Barrel’s Ole’ Country Store offerings, you can bet I was into this thing full throttle, with bells jingling all the way. And I knew, without one iota of a doubt, that my UPTs would skyrocket.

SKY ROCKET!

I was absolutely giddy when I showed up for my shift the week of Halloween. The witches’ hats and trick-or-treat candy bowls had been quietly shoved to a “clearance sale” corner of the store … and in their place … were Christmas trees and decorations galore!

Oh, this was going to be FUN! I was going to have the best time! Ever! Ever! Ever! I practically danced around the clothing wracks as I oohed and ahhed at the gilded Christmas glee: There was a corner devoted to angels. Another to music boxes and nutcrackers. Another to snowmen. Another to retro toys – everything from trains to sock monkeys.

But the most eye-catching spot in the place? The dolls.

I know, it sounds super creepy for someone my age to go ga-ga over dolls, but I have to hand it to Cracker Barrel: they knew how to win the hearts of little girls, moms, aunts and grandmas. These dolls, called “Butterflies,” each had their own costumes and accessories: There were cheerleaders, princesses, ballet dancers – even an equestrian! And of course, you can’t have a doll without a dollhouse … or a high chair … or a stroller … or a tea set. They even had names, like Elizabeth, Madison and Isabella. And they were cuddly, made of cloth and yarn, epitomizing that “country fresh” theme that ran throughout every Ole’ Country store. Let me put it this way: a mom of a boy runs into something like this in a store, and the result is that she wracks her brain to think of ANY girl in her life, just so that she can have an excuse to buy one of these things.

No surprise, I watched as each woman who entered the store went straight to that corner. Immediately. It was like someone had sprinkled fairy dust at the entrance. They’d wander over there, eyes wide, smiling like they’d just discovered a stash of chocolate from Switzerland. Except better.

Yeah, meeting this UPT thing was going to be NO PROBLEM. No problem at all. In fact, I was starting to get cocky as I arranged the dolls and showed off the little plastic accessories to any woman in the vicinity. It was almost too easy. These dolls were selling themselves! I was actually starting to feel guilty that I’d be able to qualify for the health insurance and keep working at a place where I legitimately enjoyed my coworkers, the customers and the products.

Here’s the thing: I really did like working at Cracker Barrel. Once I got past the hurdle of pride, once I had immersed myself in my surroundings, I actually had a good time. I liked having the break from my solitary lifestyle as a freelance journalist. I liked going “incognito” into a totally different work space and functioning in society as someone who was not chasing a story. It was refreshing. It was different. It was unique. And on days like this one, it was pretty fun.

But as soon as the fun began, it ended, just like fast-moving thunder-filled clouds on a beach day. I walked into the storage room, where the employee schedules were posted, to check out my hours for the coming week. My stomach dropped. I was supposed to be averaging 24 hours per week, and, once again, my manager had me down for only 15.

The storage room door opened, and in walked Monica.

“You don’t look happy,” she observed.

I sighed. “I’m getting worried. I’m only working here to get health insurance, but we’re supposed to be averaging 24 hours a week to qualify. She keeps putting me down for 10 or 15. I don’t know what to do.”

“Have you talked to her?”

“Yes, during my employee evaluation last week.”

“And?”

“She said she’d give me the hours.  And then she brought up my UPT score. She said the UPT has to be high in exchange for the hours. But I told her during my job interview that the only reason I’m doing this is to get the health insurance. And like you told me earlier when you explained the UPT to me, I do have a high UPT average. I don’t get it,” I explained.

Monica was silent for a moment, her brow furrowed. As a reporter, I’m in tune with people’s non-verbal communication regularly, and while most people might think Monica was just sympathizing, I got the feeling that more was brewing in her thoughts.

“You’re not telling me something. What is it?”

She paused, looked away, and then looked straight at me.

“Do you know why the managers put such a high priority on UPTs? I mean, the real reason?”

Now we were getting to it.

“Tell me.”

“OK.”

She paused. I waited. If there’s one thing I’ve learned as a reporter, it’s that you never get the truth out of people unless you shut your mouth and get comfortable with their silence. It’s only then that the words spill.

“There’s a bonus.”

“A bonus?”

“For the managers. They get bonuses.”

She got quiet again.

“OK. And?”

“And if their store is high in sales – if their employees have high UPT scores – the managers see more in their paychecks.”

I let this sink in. The reality was almost unfathomable. Someone was withholding work hours from me to get me to work harder and bring in more sales so that they could get more in their paycheck? Someone was holding my health insurance hostage so that they could see more money? Could anybody really be that greedy?

I took a deep breath. “I guess I can only do one thing.”

“What’s that?” Now Monica was curious.

“I’m going to see our HR girl, Mary Beth, the one who does the training and explained employee benefits to me. If the manager won’t give me the hours, I can appeal to someone else and explain that this is the only reason I’m working here. Maybe she can help. It’s the only thing I think I can do.”

She nodded.

“You know what? I think you’re right.”

I went back out into the store, which by now was bustling with Friday night customers. My manager was gone for the day already, so there was no way I could ask her about the hours. But I knew what I was going to do as soon as possible: see Mary Beth.

Mary Beth might very well be the key to my health insurance quandary, I thought. After all, she discussed her child’s MRSA and how the health insurance was so important during employee orientation. Mary Beth had to be my ace. It really was the only thing I could think to do.

Tune in for the next installment: “Battle of the Steel Magnolias.”

Resuming the Tale

After a (very!) long hiatus, I am back to finish this tale.

You may find it difficult to believe, but I was locked out of my account for several months. A few days ago, I finally remembered my password, and here we are again!

If you are new to this story, I'd suggest that you read it from the beginning, because one part builds on the other, and some things going forward won't make sense unless you do.

And to all of you who have been gracious enough to check this blog for updates (especially my regular mystery reader in Russia!), thank you for your interest and encouragement. I am able to see via a statistical program how many of you are checking and where you are in the world. It's been very rewarding to know that this blog is now read globally.

It has been two full years since the events of this blog occurred, and I will have to do my best to remember it all. But let me just say before we proceed that I have been through hell and back. Although Obamacare has successfully passed and has been implemented, I hope a day never comes where it is taken away. Without it, there would continue to be situations where people like me have to go to places like Cracker Barrel in a quest for affordable health insurance. I realized that by not finishing this story, I contribute to mis-information with my silence. My hope is that by finishing it, I will be one voice that persists to insist that affordable health insurance for all Americans is necessary and moral. I may be one person, but in our country, sometimes that's all it takes to keep a fire alight.

Keep checking back .... I will be writing the next entry today and will try to keep up with the blog daily until we've wrapped up the story.

Thank you again.