Chapter 3 - THE COVERAGE THAT DISAPPEARED

The next morning, I learned what Adrian’s resignation had cost me.
The receptionist at my physical therapy clinic slid my insurance card back across the counter.
“It says your coverage terminated at the end of last month.”
“That can’t be right.”
She lowered her voice because two patients were seated behind me. “We ran it twice.”
I called Adrian. He didn’t answer.
The receptionist offered to reschedule, but the embarrassment had already settled beneath my skin. I had arrived on crutches after paying fourteen dollars for a rideshare because Adrian had taken our car. I had spent ten minutes explaining why I couldn’t afford the clinic’s self-pay rate.
Now I had to cross the waiting room while strangers pretended not to watch.
Outside, I sat on a concrete planter and opened our joint bank account.
The balance was $312.44.
There were payments to a restaurant supply company, a plumber, the leasing agency, and a used-equipment seller in Waukesha. Our rent had not been paid. Neither had the electric bill.
I searched Adrian’s email on the tablet we shared for household expenses. His warehouse benefits office had sent a termination notice five weeks earlier. A second email explained the cost of continuing our health insurance.
Adrian had opened both.
He had never told me.
I called the warehouse and asked for his supervisor, Martin Delgado. Martin hesitated before answering my questions.
“Adrian resigned,” he said. “He didn’t give us notice.”
“Why?”
“He said he had an opportunity with family.”
“Was there a twelve-hour shift yesterday?”
Martin exhaled. “Claire, he hasn’t worked here since June.”
I thanked him and ended the call before my voice broke.
When Adrian finally called back, traffic hummed behind him.
“You went to my job?” he asked.
“I went to physical therapy. My insurance is gone.”
“I was going to fix that.”
“With what money?”
He became quiet.
“Come home,” I said.
“I can’t right now.”
“Where are you?”
“At the shop.”
Not our apartment. Not his former warehouse.
The shop.
As though it already belonged to him.
I opened the folder Tessa had left behind. The lease draft listed her as the tenant, but the financial projection included monthly income from “C. Mercer Bookkeeping Services.”
I had done bookkeeping for three local businesses on weekends before my injury. Adrian knew those clients helped pay my student loans.
The document claimed my business would guarantee part of the bakery’s first-year expenses.
I had never seen it before.
At the bottom of the projection was a note:
Claire to attend final funding meeting Monday.
It was Saturday morning.
May you like
I called Tessa.
“I need you to meet me at the bakery,” I said. “And don’t tell Adrian I’m coming.”