Sunday, November 25, 2012

I Miss My Insurance

I had a great insurance plan and I’ve paid less than $650 for the ER, doctor visits and medication. I also had a flexible spending account so I can funnel pre-taxed dollars to whatever is left to pay. However, it isn’t always the most efficient program. I sent in a receipt for a prescription and it was denied. I called and they require a photo of the pill bottle. You can’t see me, but I’m rolling my eyes.
The inequity of insurance coverage is ridiculous. My sister has to buy private insurance for her family. It costs her a fortune and it will not pay for a litany of things, like kidney stones, because they are pre-existing conditions. I think that when you are having a kidney stone is probably when you most want insurance. Just a thought.
In my case, any insurance, even with pre-existing denials in place would be better than none. I better not learn how to juggle knives just yet.
I will now stop myself before I go into rabid, mouth foaming craziness. The short message is health care, like public education, should be available to everyone and it should be not for profit.
I know, I know, the death panels are just around the corner, and some of you are out there shaking your heads and muttering Obama care. Well, the current system is ridiculous. For example, a 90 year old can have a triple bypass covered by insurance but placement in a long term care facility is all out of pocket expense. “Well, that’s Obama care for you.” “No, that’s the current system and it sucks!”

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