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!