Thursday, February 11, 2016

You Call That Insurance?

They say to never blog while pissed off but I don't care. I don't even know who They are anyway.

I got a letter from my pharmacy insurer last week. Note that this used to be covered under insurance. The letter stated that I have to use a certain pharmacy or mail order or pay for it myself. My 'insurance' went into effect on the first of the year, so why wait thirty days to send me notice?

My benefits admin was very pleasant and called the pharmacy insurer with me. They kindly told me exactly what the letter said. I told them I support a local pharmacy, as I have for the past twenty years. Tough shit - you use THIS pharmacy or we don't pay.  Ooh, I forgot to mention that the pharmacy insurer has a two part name, the second part being the pharmacy I must use. Nothing fishy there.

I've flippin HAD IT.
(don't blog when pissed off)

My first effort against this travesty called insurance was to contact my congressman. He greatly sympathized with my plight and promised to vote to repeal Obamacare as soon as possible. For some reason, I did not feel helped.


I am trying my best to state facts and not call people names; it's juvenile and counterproductive. (Even though I feel juvenile and want to release a fusillade of epithets in their general direction.) The fact is that the President and every Congressman who voted for this travesty should be thrown out on their asses. Better yet, they should have to USE Obamacare. A special version of Obamacare that involves $500 per week premiums and a $20,000 deductible. Let them live like the proles.

This alleged insurance is a scam, benefiting lower income folks, insurance companies and of course, Big Pharma<tm>. It is not my intention to offend any of you who fall into these categories - there are better ways to do this. We were lied to from the beginning. It's not insurance if it doesn't start paying until you meet your yearly $5,000 deductible. Any idea what it would take to do that? Perhaps being run over by a bus, if you manage to live. This would create its own unique set of issues because after you've met your deductible, the copays start, not to mention the emergency room fee, the doctor fee, the diagnostic fee(s), and $40 copay per gourmet hospital meal (featuring fruit from a can, vegetables from a can, mashed potatoes from a can, and chicken from a can). We will simply pay for every medical expense, all year long, unless, heaven forbid, we reach our deductible. And all this is mandatory. I don't care what the Supreme Court says; they have no right to compel us to purchase something.

I was out of my mind with rage over insurance years back, with premiums that rose up to fifteen percent per year. That seems like Disneyland by comparison.

Was it over when the Germans bombed Pearl Harbor? (Animal House)
It's time for ACTION. Yes, action. Let's get ready for it.
The only problem is what kind of action.
To start, we need to lobby Congresspeople. Write letters and emails. Call and visit their office to talk to their staff (they have staff to help people with insurance and other things).
We're fighting Insurers. We're fighting entrenched government and Big Dollar Lobbies.
We need to take a stand and the time to do this is now. The republicans promise to repeal Obamacare but I believe some of them voted for it. It's all a show regardless. Neither party will help us.

Don't even get me started on dentists; which your plan may or may not cover.

No comments:

Post a Comment