Health “Care” Don’t CARE

insurancelottoThis is going to be a rant and for those who don’t agree with my views here can just keep the little opinions to themselves. Unless you have a way to combat the situation I am in, don’t tell me I am wrong about the way I view insurance in this country and my states ability to figure the stuff out. I am not, nor will I ever be, a politician.

 

Here’s the thing. Obama “Care”, in theory, is okay I suppose. But it lacks all of the loopholes and what-ifs criteria or knowledge to keep it going or to have ever been rolled out in the first place. Sure, we all want free healthcare. Who doesn’t want free stuff? Here’s the thing. I don’t care how bad you are at Math, free doesn’t add up any kind of way when you are talking about healthcare. NONE!!  People need to understand that if there is something they are getting for free, it’s only free to them because somewhere someone is working their butts off to pay for it. That may be in the form of taxes, donations, or just anything else you can think of that one would use to fund programs which help sick people.  But it isn’t free.

 

So in my fine state of Alabama, the Republicans fought the whole Obamacare thing tooth and nail and they won. But still, its people lost.  We lose every day.  The Alabama Republican party said they won’t raise Medicaid to cover the ones living in poverty. No, in fact, they would like to take more away from Medicaid and Medicare. But they think that by us not expanding our Medicaid then we aren’t on the Obama”Care” bandwagon.

 

That would be fine and dandy you would think. But no, instead it is worse. Worse than worse. Worse than most other states in these United States of America. Let me tell you what the insurance company does.

insurance

So Blue Cross says their rates are going to skyrocket because of Obama “care” and because of all of the preventative services that they are now going to have to cover free of charge. Not only will your rates go up, but so will your deductible and out of pocket costs.

 

Here is a breakdown of how this goes down and you tell me that it shouldn’t be illegal to do people this way and I will tell you what I think about you.

 

My BCBS Bronze level Family plan which is provided to me through my husband’s employer who pays an estimated $800/month for the premium doesn’t cover diddly squat. Nothing, I mean NOTHING, is free. Not even preventative. Last time I checked, colonoscopy’s were preventative procedures, but not anymore apparently.

 

I go to the doctor more than most people. I take more medications than most people. And if you have been keeping up with me, I am clumsier than most people as well. This makes for a fairly hefty dollar amount of bills for my needed health care.

 

It is now. At a minimum, I have been to some doctor somewhere at least once a month, usually far more than that. So imagine my surprise when I found out that I still owe nearly $12,000 of my deductible. We were told in the beginning that our deductible was $14,000 for the two of us. Now I am learning that it is more like $20,000. The break down on that is $14k for me and $6k for my husband.

So even with those high deductibles, I was under the impression that I should be nearing the end of that given my frequent flyer miles. Again, wrong. Wrong again! You see, the insurance companies have it rigged to where you will NEVER go anywhere near your deductible. They do this clever thing.

deductible

Let me explain:  If you have ever looked at a statement from BCBS You will see where they tell the providers that they only approve for certain procedures to be billed out at x dollar amount rates. Then the rest is between you and your doctor. They can either bill you the difference or they can just change the charges to only bill for what the insurance company approves. But here is another catch, unless you have met your $20k deductible, you will be being billed no matter what. So now, not only is your health probably in the gutter but so is your credit.

And here’s another kicker, those discounted rates that you think are the only thing that saves BCBS a little face are really the devil in disguise. They have them discounted down so that you will NEVER reach that asinine deductible which would be when they actually start to pay a little bit of your health care. It really should be illegal.

 

Just this week I got a letter in the mail that they will no longer cover Methotrexate along with other medications I require. They don’t have a reason why it is just not going to be covered. So bam, there goes my little life. This methotrexate keeps me alive people. It keeps me from killing myself. Not in a suicidal way, but physically, That’s what autoimmune disease does. Methotrexate is supposed to be a medicine used to stop your body from thinking that your immune system should be battling it out with the rest of your body.

So I could go on and on and on and on about this because there is more. But it is bed time. And I have worked myself into another tizzy being mad about this. It is just such a hopeless feeling.  Your body is crapping out on you, you break a foot, you can’t afford to fix it, and NOBODY cares! Amazingly the word “care” is included in almost every phrase you can think of when it comes to health care today…  Ironically, NOBODY CARES!

 

It’s Football Season Ya’ll

lovebamaMy favorite time of year is finally here. I have to admit, I hibernated at the end of last years football season.  I take Alabama football seriously.  And by seriously I mean, insanely so.  I have a selection of lucky shirts, socks, pants, blanket, underwear, and even where I choose to sit and in what position is of great significance to whether The Crimson Tide wins or loses.  If the combination of attire and position isn’t working and we are doing badly in a game I have to change something, if not everything. I get mad at anyone else who isn’t playing along with my mind games too. Alabama performed badly for an entire half of one game last year and ya’ll, it was entirely my husband’s fault. He wore the wrong hat.

tidecomingI am fully aware that all of these shenanigans are insane. I don’t care. It is something that I have done for as long as I can remember.  And I know I’m not the only one who does this stupid stuff. I mean one of the things that my husband and I really hit it off on when we first started dating was Alabama football and our silly rituals. One of us got stuck watching the remainder of a game in the bathroom.

So, this year I am in the market for a new “lucky” Alabama shirt. I am guessing the luck wore off of all of the other ones in the final game of the year last season. The national championship game. The cause of my hibernation for a little while. I guess I am a sore loser. Alabama fans, myself included, have become spoiled. God bless Nick Saban. I don’t know what we will do if he decides to retire anytime soon. Being a hard core Bama fan has had it’s up’s and downs. Prior to Nick, we had several Mikes to enter and be ran out of the Alabama family. None of them would ever add up to Bear Bryant.  We had some good coaches and we came through every now and then, but not enough to make National Championship t-shirts and memorabilia expire.  Our 1992 National Championship car decals and shirts were good for 17 years. (mine weren’t due to size issues)bamacrew

If you are a football fan then you either love Alabama or you love to hate Alabama. That is part of the deal that comes with being legendary. I am good with it. What I am not good with is losing and knowing we should have, could have, would have won a game that we lost. The BIG game. The one that determines who is the best.  It was decided last year that Alabama was not the best. And that chip on the shoulder of those big boys will shine this year. It won’t (I hope) happen again! But I must do my part. I must find the winning combination attire.

alabamaweekAlabama football is not the only favorite of mine. My Choctaws started their season with a win Friday.  My teenage boys both play. They didn’t play this game. The youngest is having to pay his dues as a youngster on the Varsity team and the oldest hurt his shoulder in a scrimmage game week before last. He is okay, he will play this week. So, I have a dilemma… Alabama’s first game is against FSU. FSU and my Choctaws have the same tomahawk chop and chant. I know that if I partake in this Friday night, my luck significantly changes for Saturday night.  OH MY GOODNESS, I AM CRAZY!

flareflareIn other news, I feel like crap. T-Total, poo. I guess I am having a flare. The pain associated with these abbreviations is constant. It’s hard to tell if the pain is just getting on my nerves or if I am having a flare which is more painful than the constant pain I experience. Last night, winter came. I have been waiting on winter for 7 seasons now. It finally came, and now we have to wait an entire season to see what else winter does.  And guess what fellow Game of Thrones fans. Now that winter is here and leaving us hanging for an entire season, we now know that the next season will be the last. What the what? I realize the budget for a show such as this can get pricey. I realize the actors now demand better pay. I understand every drawback HBO seems to have. But what I don’t understand is the business decision to end the best show HBO has ever produced. I guarantee they have gained more subscriptions solely because of this show. I know that HBO is NOT cheap. I know they’re making money and significantly more because of GOT!

Last night, winter came. I have been waiting on winter for 7 seasons even though the raven and John Snow can go back and forth from Winterfell in one episode. It finally came, and now we have to wait an entire season to see what else the slow walking, dead winter does.  And guess what fellow Game of Thrones fans. Now that winter is here and leaving us hanging for an entire season, we now know that the next season will be the last. What THE wha—-at?

I realize the budget for a show such as this can get pricey. I realize the actors now demand better pay. I understand every drawback HBO seems to have. But what I don’t understand is the business decision to end the best show HBO has ever produced. I guarantee they have gained more subscriptions solely because of this show. I know that HBO is NOT cheap. I know they’re making money and significantly more because of GOT!

They better have some huge, expensive tricks up their sleeves to appease the humongous fan base for their final season. HBO, you have been warned. got

Small Town, USA

IMG_3584This is from the Florida Panhandle, and I’m sure their Friday night lights boys will one day be playing ours on Saturday’s! But from one small town to another, I’m with you! I love living in this small town which I didn’t grow up. Wether I grew up here or not, it is still My Hometown!!

Source: Small Town, USA