Posts Tagged ‘Health Insurance’

My wife had to have surgery on her mouth to fix two impacted wisdom teeth. Her teeth were not going straight up they were growing sideways pushing at her molars. The dentist told her she had to get this surgery done otherwise she would have severe problems down the line. We have duel dental insurance and at that time health insurance. Between these three the procedure was extremely cheap. The place she had the procedure royally botched the operation and caused a whole new set of problems. She was sent to another dentist, when he saw how badly his colleague screwed up he offered to have all visits with him for free. It was because of this shitty dentistry my wife had to go have a serious surgery because the infection was eating away at her jawbone. After the surgery she had to take hardcore antibiotics through an in-home IV. The whole thing was a complete nightmare, but we did not realize there were other issues to come about. This time it was not her mouth it was the insurance companies screwing up.

When my wife received the first bill she noticed the insurance company did not cover everything they were supposed to. When she called the insurance company she had to jump through all these hoops, talk to many different representatives, and really press the issue until she found out the insurance company miscoded many of the services to the tune of over one thousand dollars. The representative she spoke to said she would make notes in her account and said she would fix it. We also received bills from the dentist’s office after he said all services would be covered. My wife continued to fight this as well. We had to go to some out of network providers specifically for the in home IV antibiotics. We received a referral and before my wife accepted she contacted the insurance company to ensure it would be covered and they gave the okay. Sure enough it was coded as no approval out of network.

She has been dealing with this for months. Every time she calls she has to jump through the same hoops as the time before; only to hear “oh yea we miscoded. We will fix right away.” My wife has been in pain for over two years and she still has nerve damage in her mouth. On top of this she still has to deal with the insurance company which has now sent us to a heavy duty collection company. This has gotten so frustrating for her it will bring her to tears. I wish I had better knowledge of how this all works so I can call and help.

I wonder how many people have to deal with “miscoding?” I wonder how many people just pay their bill unaware they are getting screwed. In the film “Sicko” by Michael Moore it addresses how insurance company employees are trained to miscode varies procedures which would normally be covered. It is no secret insurance companies are crooked. They try to find anyway to get out of covering our healthcare needs. This is no secret yet nothing really gets done to hold these bastards accountable for their crimes against the people. We all pay high premiums month in and month out. For many of us we also have such high deductibles to pay before coverage even sets in.

During the healthcare debate there were a lot of lies, rhetoric and fear mongering going on to try and turn the people against Obama. Some of these same people were the ones who voted for him because of his healthcare reform. I remember seeing rallies were people were freaking out and shouting at people for this reform. I remember people spitting on a sick man holding a sign saying he was dying and has no coverage. I am sure these protesters were either well to do and had cheap coverage, or they were ignorant and had no idea what Obama was actually trying to do. Either way the healthcare bill as it stands sounds like it will do very little to stop insurance companies from bending us over and giving us the high hard one. I am amazed with how crooked people know they are and how much these insurance companies are screwing us; we have yet to rally together and demand change. This is further proof how we are indoctrinated into a frame of mind allowing us to be taken advantage of and just accept it and go about our days. I think we not only owe it to ourselves, but also our children the chance to live in a just and fair society. Don’t you?

I would like to start with an apology, I started an 8 part series on the seven deadly sins, and as I was sitting here prepping to write part 6. I decided I was not going to do it. Why you ask? Well because I told myself I had to do it, so I was compelled to do the opposite.

I would like to vent a frustration on how pissed off I am about being rapped and robbed by insurance companies, without even the courtesy of a reach around. I am married and have three kids, for those of you who failed math class that is a family of five.

We were lucky last year because the coverage was better, and we reached our max out of pocket so for the last half of the year everything was free. Enter 2010 at my wife’s work the insurance amount raised as did the deductible. If she were to carry insurance on the family it would be over $600.00 a month with $5k deductible. At $600.00 a month that is $7,200.00 a year, plus we need to reach the $5k deductible before the fucking insurance will even kick in. Damn my ass hurts now!

We decided that the cost vs. the reward was not worth carrying insurance. In order to carry insurance for the entire family at my employer is over $1,314.00 a month. That is 70% of my pay each paycheck, plus I have a high deductible on top of it. Ouch it hurts even more.

This is totally out of hand; it would be nice to be on Minnesota Care, or some other health care plan. There is only one problem with that we are not welfare trash, so apparently the tax payers would rather pay for people who are completely useless compared to people who are actually trying. I am not saying everyone on welfare is trash. I am talking about the countless number of people who abuse the system.

 I find this system very disturbing. Apparently it is more important to pay for the birth of a single mother who just had her fifth kid, all with different fathers mind you, instead of honest hardworking people who simply can’t afford their employers healthcare plans. The ones who really need it are turned away in favor of people who abuse it. God you really have to love America.

                  I sincerely hope this new healthcare reform bill rectifies these current injustices against blue-collar Americans. As it stands now I have to just pray that none of my kids need to go to the emergency room. The result of said action will spiral us further into debt. Insurance in general is an “in case shit happens” business, that makes billions of dollars a year because most of the time they find loop holes to where they won’t cover you, or simply the “shit” just doesn’t happen. The whole system is fucked, and I want insurance in general to stay away from my ass and my wallet