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27 February 2009 @ 08:53 pm
Can I get a little health care reform?  
I need some universal health care now.  I'm tired of this fucking HMO bullshit.  I'm pissed at my new health care plan and I'm pissed at my employer for picking it.  Seriously, I've been at my job for nearly 10 years and we have changed health insurance no less than six times.  I've been through all the major companies- Cigna, Aetna, HIP, Blue Cross/Blue Shield, Oxford...We're now back with BC/BS though its with some rinky-dink subsidiary.  It didn't matter so much when it was just me on the plan, but now I have my husband and child getting the coverage.  In the mail today, I got a statement from the insurance company listing all of the items they aren't paying or only paying part of from my son's last routine checkup.  Apparently, I have a deductible to satisfy before I get 100% coverage for certain items.  This was NOT explained at the benefit meeting that was held when we were notified of the switch in companies. 

Developmental testing (ie Autism screening) - Not covered $90
Finger stick blood draw- Partially covered.  I owe $17.56
"special service"- (no idea what this is.) Not covered $17.50
Blood test for Tuberculosis-  Partially covered.  I owe $11.00
Blood test for blood count- Not covered $35

To the tune of $171.06.  With our previous insurance, I never had a co-pay and I probably wouldn't have to pay for any of this.  If I read my benefits package correctly, once I satisfy my $500 deductible, then many of these charges will go away.  This country needs Socialized medicine.  There is nothing to fear people.  The big "S" word doesn't mean that the government will take away your freedoms.  It means that the fat cat health insurance companies will no longer be able to decide if we live or die. 
Current Mood: pissed offpissed off
Franfranwi on February 28th, 2009 04:12 am (UTC)
I hear ya. The main thing I'm covered for is an annual check up. And sometimes the insurance company even tries to not pay for that. But it doesn't hurt to bicker with them about things. Sometimes they refuse things that should be covered, just to see what they can get away with. My insurance company refused to cover my annual check up because my doctor moved to a different office address. Same clinic as always, same doctor as always, just a new office. They eventually did pay it, but made the clinic refer to his old address before they did. Asses. At least you're getting some of your deductible taken care of early in the year. An overhaul would be nice, but I'm sure all these insurance companies will fight it.
evilkat_meowevilkat_meow on March 1st, 2009 01:36 am (UTC)
Just because they moved?! It is such bullshit that these companies that are supposed to be there to help us are the ones nickle and dime-ing us into either poverty or the grave. You misspelled your street address on the application, Oops we're not going to pay for that life saving blood transfusion.