Blue Moon

Meg got a friend-of-a-friend introduction to a guy who knew a guy, who arranged an interview with the founder of a brand new venture. They met in a downtown coffee shop. He was a twenty-five-year-old fresh off the plane from California. Some kind of a foreign-born computer genius, with some new thing to do with medical software and apps on people’s phones. Mrs. Shevick admitted she had never been exactly sure what the product was, except she knew it was the type of thing that made folks rich.

Meg was offered the job. Senior Vice President for Communications and Local Affairs. It was a fledgling ink-not-dry start-up company, so the salary wasn’t great. Not much more than she was already making. But there was a whole giant package of benefits. Stock options, a huge pension plan, a gold plated health plan, a European coupe to drive. Plus weird San Francisco stuff like free pizza and candy and massages. She liked all of it. But the stock options were by far the biggest deal. One day she could be a billionaire. Literally. That was how these things happened.

At first it went pretty well. Meg did great work keeping the drums beating, and two or three times in the first year it looked like they might make it to the top of the hill. But they didn’t. Not quite. The second year was the same. Still glossy and glamorous and cutting edge and the next big thing, but nothing actually happened. The third year was worse. Investors got nervous. The cash spigot was turned way down. But they hung in, lean and mean. They rented two floors of their building. No more pizza or candy. The massage tables were folded up and put away. They worked harder than ever, side by side in cramped quarters, still determined, still confident.

Then Meg got cancer.

Or, more accurately, she found out she’d had cancer for about the last six months. She had been too busy for doctor visits. She thought the weight she was losing was from working too hard. But no. It was a bad diagnosis. It was a virulent type, and it was fairly advanced. The only ray of hope was a bunch of new treatments. They were exotic and expensive, but their trials had been promising. They seemed to work. Their success rate was climbing. No other option, the doctors said. Calendars were cleared, and Meg was booked in for her first session the very next morning.

Which was when the problems started.

Mrs. Shevick said, “There was a glitch with her insurance. Her account number wouldn’t run. She was prepping for chemo, and people were running in and out asking her full name and date of birth and Social Security number. It was a nightmare. They had the insurance company on the phone, and no one knew what was going on. They could see her history and they knew she was a customer. But the code wouldn’t authorize. It threw up an error message. They said it was just a computer thing. No big deal. They said it would be fixed the next day. But the hospital said we couldn’t wait. They had us sign a form. It said we would cover the bill if the insurance didn’t come through. They said it was just a technicality. They said computer things happened all the time. They said everything would get straightened out.”

“I’m guessing everything didn’t,” Reacher said.

“The weekend came along, which was two more sessions, and then it was Monday, and then we found out.”

“Found out what?” Reacher asked, although he felt he could guess.

Mrs. Shevick shook her head and sighed and flapped her hand in front of her face, as if she couldn’t form the words. As if she was all done talking. Her husband leaned forward, with his elbows on his knees, and he continued the tale.

“Their third year,” he said. “When their investors got nervous. It was even worse than they knew. It was worse than anyone knew. The boss was keeping secrets. From everyone, Meg included. Behind the scenes the whole thing was falling apart. He wasn’t paying the bills. Not a dime. He didn’t renew the company health plan. He didn’t pay the premium. He just ignored it. Meg’s number wouldn’t run because the policy was canceled. On her fourth day of treatment we found out she was uninsured.”

“Not her fault,” Reacher said. “Surely. It was some kind of fraud or breach of contract. There must be a remedy.”

“There are two,” Shevick said. “One is a government no-fault fund, and the other is an insurance industry no-fault fund, both of them set up for this specific reason. Naturally we ran straight to them. Right away they got to work on how to apportion responsibility between them, and as soon as that’s done they’re going to refund everything we’ve spent so far, and then take care of everything else going forward. We expect a decision any day.”

“But you can’t pause Meg’s treatment.”