Gut Rumbles
 

June 30, 2004

yeah, I'm one of those

About a month ago, I lost the medical insurance I was supposed to be able to keep when I retired. I was surprised by the way the problem was presented to me, because my benefit provider RETURNED the check I sent them and said that my insurance was cancelled for non-payment. I was confused.

I called them and spent almost an hour on the phone, most of it doing the fucking Russian Roulette of "Press 1 to get the hell out of my busy life" to entering date of birth, address, phone number and Social Security number via touch-tone before I EVER got to talk to an actual human being. Then I received a brief and rude response: "We don't handle those kinds of problems here. You need to call Blah-blah-blah.

I called, got the same Russian Roulette routine and finally spoke to an actual human being who said (and I quote) "We don't handle those kinds of problems here. You need to call Blah-blah-blah," which was the same number that sent me to HIM. I blew up and demanded to speak with a supervisor. I was on hold for five solid minutes.

If the person I spoke to was a supervisor, they need to clean house in that place. The weasely bastard wouldn't answer a question, he couldn't give me ANY accurate information and he didn't appear to know diddly-squat about what he was doing. The best he could do was tell me to send a written appeal to Benefit Providers and wait for a response. I told him to go fuck himself.

I got on the computer and applied for a policy from Blue Cross. I was totally honest in filling out the application. I admitted to being a smoker and a victim of prostate cancer. They approved me, with the one codicil in the policy that any problems I have as a result of prostate cancer are NOT covered for 48 months. I signed the paperwork and sent it off.

Until it's approved and etched in stone, I am one of the 43 million Americans with no health insurance. I suppose that I should be crawling down the street with my open palm extended and weeping like a baby, crying for government to save me, but I'm not doing that. I'm dealing with Blue Cross instead.

The policy I'm buying isn't as good as what I had, but it costs 1/3 the money. All I really want is insurance against something catastrophic, something that might put me in the hospital and eat up all my money. I can handle nickle and dime doctor bills. I'm not worried about prostate cancer, because I believe that I am cured, and I also know that after almost three years with a zero PSA, I have a 90% chance of living another ten years. I'll take my chances with those odds.

The insurance doesn't cost that much. Why is health care insurance such an artificial "crisis" in this country?

Comments

Because "health insurance" is code for "free health care".

Posted by: shell on June 30, 2004 03:00 PM

Or you could have chosen not to have children you can't pay for.
You know.......be responsible for your own, and not expect others to pay your way.

Posted by: wes jackson on June 30, 2004 07:13 PM

Why should I pay for you?
I pay my own way why can't you?
Don't have Kids if you can't afford to take care of them!!!
If you want health care insurance buy it.
If you can't afford it do without!
Where in the Constitution does it say"Lets get togather and rob our neighbor"just because your to stupid/lazy didn't plan ahead ect.doesn't mean those of us that did do all of the above have to support your ass.Go to a charity hospitable.
I test drove a new BMW the other day and decided not to buy it.Had the money in the bank that wasnt the problem,the problem was I need the money to be there for emergencys more than I need a new BMW;untill people start makeing choices like this and the Government quits buying votes with my money.This is just going to get worse.
All you whiners out there STFU and take care of yourself,don't expect the rest of us to pick up the slack.
The Government has wasted over 6 Trillion dollars on the war on poverity in39 years,
Looks like they lost!
Don't you people with your hand out,or hand in my pocket realize your stealing?Who gave you the right to take money I earned to compinsate for your mistakes and stupidity?
Do you have any pride?
Well i guess we all know the answer to that now don't we.
I have worked and paid Taxes for 42 years now.Im just a little bit tired of hauling you dead ass along.
Suck it up go do what Rob did buy your own heath insurance.Try this get a job with heath insurance.
I pay for my own heath insurance and have for the last 17 years why cant you?
I'm not as luckey as you I hear someone in the crowd cry:Well it seams the harder I have worked the luckier I got,try it sometime.
Sorry Rob for the waste of your band width
Feel free to delete
Just sick of the Free Loaders

Posted by: Airboss on June 30, 2004 11:45 PM

Of course, there is the fact that even though you're older than me, a smoker, and had prostate cancer, your insurance is probably cheaper than mine because I'm a woman. I wish there was an option for me to remove pregnancy coverage from my plan, but there isn't.

Posted by: shell on July 1, 2004 12:03 PM

To Wes and Airboss: Sometimes, when you decide to have a child, things look great. Married, both employed in great jobs, nice house mostly paid for, cars paid for and in great shape, money in the bank, good IRA and 401K.

Then, boom! You're a divorced woman, the father of your children kept everything but the kids. You're homeless with preteens. You can't get regular baths (washing up in service station restrooms does _not_ a bath make), and nowhere to hang your work clothes to keep them tidy. Next thing you know, you're homeless AND unemployed, with preteens.

No one likes helping divorced women with preteens, cause preteens aren't all cute like toddlers.

You've spent 10-15 years living comfortably, expecting it to continue until the kids are grown and you're off in some grave.

But it doesn't always work out that way.

Sometimes, life happens and you do the best you can with what you get.

And I have to say, welfare _isn't_ the free ride you who have never dealt with it think it is. It's a vicious, sucking trap that wraps you in Saran Wrap so you can _see_ what you could do, if only you could get your hands free, or your legs, or breathe. Welfare won't let you even try to get ahead. The moment you have _anything_ , they take it away from from you or cut you off, and if you don't get something strong enough to support you forever, you're right back in welfare's evil grip.

You keep trying to get out of welfare again and again and again until you either finally break free or sink into it's dirty squalid clutches forever. Eventually, you reach a point where you can't imagine any other type of life.

That's the real date of your death, no matter what your tombstone may say. And everyone on welfare knows it.

Posted by: Noddy on July 1, 2004 02:53 PM

Acidman, for a novelist, you sure lack imagination. And empathy.

Posted by: RoguePlanet on July 1, 2004 05:14 PM

Health insurance is a crisis because people in the USA have been confused by the introducion of HMO's and Co-pays and other maintinance health plans that either cost as much as your house payment or will not do you any good if something major happens. For those who do not have group insurance paid for by a company, premiums can get pretty expensive, epecially if you are looking for a plan to pay for every little tounge depressor. Acidman - your premium is not so bad because I imagine you took a high deductible catastrophic care plan. Most people do not realize this is what they should probably do or can't get any insurance because of preexisting conditions.
As far as welfare is concerned, sure there are some people who prefer to let the state take care of them, but numbers of families would much rather be able to afford their own health care but it is a matter of how much money they have, even if they could scrape the premiums together they still have to afford the deductibles and coinsurance. Unfortunately, bad things happen and hard times too for people who are trying to succeed and no one should look down on them for that.
Health care is a crisis because people don't understand what it is for, we overmedicate and go to the doctor for evert little thing, then the insurance companies have to raise their rates to pay for their clients maintaining things an herbal supplement or a little tylenol would have gotten them thru. Americans have created thier own health care crisis and only time and education will bring them out, along with a little damn empathy from all you more fortunate out there.

Posted by: WPB on July 19, 2004 12:01 AM

1308 http://www.e-free-credit-reports.com cool eh?

Posted by: credit reports on August 31, 2004 10:24 AM
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