I feel peeved. I feel irritated because insurance companies are crooks and thieves. They make sure you pose little to no risk for them at which time they will gladly take your money but not before they make you feel like you are lucky they are even allowing you this honor ("It looks like you may be accepted but we're still not sure. We'll get back to you. Then they keep you cliff hangin' for a week or two til' you forget that THEY are working for YOU and should be glad to have YOUR business.) Then they take your HUNDREDS of dollars a month with only one stipulation. Should you ever need them to cover anything they have special people working there whose sole purpose is to find and create reasons your needed service was not actually "needed". AHHH! I have begun paying almost $400 dollars a month for just me, Jared, Faith and Ethan to get coverage. Of course Harris will never be covered by insurance in his life b/c he had the nerve to be born with a hole in his spine and I had the nerve to not abort! Well, they made sure we were aware that we were not eligible for ANY mental health coverage. None. Why? Because we need it, and that would mean they would have to pay for something with OUR money that we give them EVERY month! I will continue to pay out $100 every time I see my shrink for 15 minutes and $160 every time I take Faith to her pediatric shrink. We use ALL generic meds even though most of them don't work as good and our bill will still total $225 a month on that one. Because OF COURSE they will not cover any of that. They'll just keep getting richer and richer off my $400 a month and never use a shred of it to help me. And get this--my diagnosis was mild anxiety. That's it! Faith has no official diagnosis because they don't typically diagnose kids with anything official when they are so young. So it's not like we went in there and said, "We're nuts!" Oh, I guess I forgot, you can only be insured for the parts of you that are perfectly healthy and they get your money by playing on your fears that one of those healthy parts will get cancer and then, well, you just coudn't survive without said insurance company. Never mind that I don't drink or smoke. Never mind that I work out just about EVERY DAY! Who cares about that! This girl has mild anxiety! She is much more likely to--I dunno, get expensive illnesses! WELL ENOUGH! I ain't doin' it. I am fighting back. I called my insurance guy and he is supposed to be calling me back. His wife answered and I asked if her husband could call me back and she was very pushy about wanting to help me herself b/c they work together> and I was insistant that I wanted to talk to her husband who personally sold us our "no mental illness allowed" policy. So finally, she was so intent on helping me herself that I layed it on her and she promptly said, "I'll have Dean call you back!" Yeah you will! I'm sure I've already been deemed the "crazy lady" around there but who cares? They can't fire me because I am THEIR employer! I give them $400 a month and so far they have payed a total of $0 for me! So there you have it. THEY are fired! I will see what he has to say. Maybe I am crazy. I dunno.
12 comments:
We all know your crazy, but this time it's when crazy is right. it's like watching Seinfeld.
Liz, you are NOT crazy. I am so frustrated with you about your insurance situation. I wanted to scream out loud reading it. You better be updating after you talk to your "insurance guy" - I want to know what he's willing to do. Aaargh!
I too am having insurance battles. I just can't believe it but they STILL won't pay for some of my babies' NICU claims. I spend hours a week on the phone with them & every person either a) doesn't know what the heck their talking about, b) tells me something totally ludicrous that is for sure different than what the last person told me or c) passes me off to someone else. We are seriously having, now, to hire an ATTORNEY to get our medical claims paid. And all of this after spending nearly $10,000 in medical bills, premiums, copays, etc... last year. RIDICULOUS. I AM FED UP WITH YOU!
It's frustrating because every time you talk to a different person at an insurance company, you get a different answer. I don't think anyone in these companies really knows what's going on - they just say whatever they feel like saying and arbitrarily make decisions that may or may not be applicable to your plan.
Keep us updated!!
I am so sorry. That is a ton of money. I feel like such a helpless little person when dealing with stupid doctors and evil insurance. I hope you go ape-crazy on this guy!
I'm against insurance because I'm never going to get sick.
Damn straight to everything you said. Who in the hell do we have to talk to in order for a change to take place? I'm calling Obama.
Those greedy bastards! You're not crazy, they're just evil, unethical, dishonest, souless, selfish jerks!
I know what you mean. What is the point anyway? Hear, Hear Liz!
seriously! i know you were talking about medical insurance, but i feel the same way about really any other kind of insurance. we recently switched car insurance and when i called to cancel with our previous company, i think it was the first time in my life when i was so upset that my whole head was getting hot while talking to a complete stranger!!!
go get 'em liz!!
We deal with this crap all the time too, with the insurance, the doctor (who we have still never met), the phone company, and especially my damn school! I've gotten to the point where I think of myself in these situations as the irate, voice-raising, manager-requesting, finger-waving, jerk who all the receptionists and secretaries hate dealing with and complain about around the water cooler. I don't care. I found out a couple years ago why grown-ups are always so bitter and annoyed and I am determined to fight it. The whole world wants to screw you when you grow up, but I won't have it. You have to get angry, and easy. There's no room for Christ-like attributes in this business (except for that of overthrowing tables and making a scourge [John 2:14]). Their strategy rests on making sure you stay too calm to make a stink, and making sure you get so frustrated with the roundabout treatment being transferred from secretary to secretary, wasting hours on hold, and re-explaining the situation to all those dolts, that you just give up. And it works! But, not with me. It's all about confidence. You look those filthy beggars in the eye and tell 'em whose boss. "Listen [name] (using their name always makes them uneasy), this isn't gonna fly, so tell your manager to talk to me, STAT! And then show 'em that you ain't budging. Stand right there at the counter, or call the bluff on the eternal hold. This stuff really works. You'll still lose tons of time, and get the roundabout, but in the end it pays off, even if not financially, it feels great to ace those suckas when no one else will. I aced Quest and their outrageous phone bills. I aced The government when they tried to revoke our pell grant. And I continue to have to ace my damn school every semester when they try to pretend like I owe them money when the opposite is always true.
You should watch the film "The Rainmaker"
By the way, I found your blog.
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