Once again it is time for open enrollment at my company. Every year I get presented with three or four choices for health insurance and I have to make the decision that I feel is right for myself and my family.
If you have never experienced this, let me just tell you that the choices are daunting to say the least.
With terms like, coinsurance percentage, co-pay, optional co-pay, single deductible, family deductible, and multiple choices for optional coverage, the choice becomes as complicated as trying to complete taxes and navigating through IRS terminology. (I won’t rant about the IRS now, just wait for another post…).
I sit down on a daily basis and think I have all of the options figured out. The next day I take another look and get confused all over again.
To complicate matters, there is absolutely no one at my company that is an expert on medical insurance. So I turn to my co-workers and they know just about as much, or less, than I do.
It could be so easy. Why can’t they just say, if you need to use your insurance, here is what you pay and we cover the rest? Why are there five different deductibles or co-pays? What the hell is the difference between a deductible and co-pay?
Why the hell is this so complicated?
I know. Because some freaking pencil pusher decided to make it so complicated that the common person will be unable to tell just what they have coverage for and how much they will pay.
In what is supposed to be the greatest country in the world, why do we even have to make a choice between health care plans? We should have been the pioneer in universal health care. Instead, we are the last western country without it.
Forget my problems. At least I have a choice. What about the people that don’t have an option. Just read some stories on this website:
http://my.barackobama.com/page/content/health-care-action-center/
How can we let citizens of this great nation go bankrupt because of medical bills? How can we let health care providers decide what is best for our health? How can we sit back and be so complacent about the thing that matters most, our health?
SHAMELESS PROMOTIONS I MAKE ON THE PART OF OTHER PEOPLE:
Again, check out www.kaptainmyke.com (trust the Kaptain)
www.tomsshoes.com
That’s it for today’s post of:
Chuck Amok on the World, Life, and Living Fat
I can be reached on facebook or email me at sorrellcharles@yahoo.com
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At a $2500 deductible , I still have to pay over $900 for an MRI, $1500 for steriod infusions, and $60/month for my needles. I reported over $18,000 in medical bills last year on our 1040. I hate MS, and I hate Amerika's health care.
ReplyDeleteProblem too is that you have to understand most of these paid off doctors who wine and dine to push a certain brand over another brand to his patients - he's still a human too, who has to now pay off $200,000 in medical school loans just so he can play doctor in a white coat and stethoscope to still tell me they don't know how to make the pain go away or cure me and my incurable disease.
God Bless Amerika!
You ask your friend who is a medical biller and understands benefits!
ReplyDeleteI completely forgot that you do that! Maybe this weekend?
ReplyDelete