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Health Insurance Sucks
Yesterday I got my annual letter from Coventry telling me that was of January 1 they will no longer be covering my prescription drugs and giving me a list of remaining alternative drugs they will still cover. Which means once again, my annual tradition of going to my doctor to have him go through the list to try to find the next cheapest medications he can switch me to that will still be somewhat effective with as few extra new unpleasant side-effects as possible.
What makes this particularly aggravating is that the drugs I am on now are the drugs they made me switch to last year when they decided to stop covering the drugs I was on back then. Which in turn were the drugs they made me switch to the year before, when they decided to stop covering the drugs they recommended the year before then!
It seems that Coventry doesn't want to provide coverage for prescription drugs that doctors and patients actually use.
I'm almost to the point where I am wondering if having health insurance is even economically worth it? For the amount I'm paying in, am I even getting my money's worth?
(Of course, if I dropped coverage, THAT would be when I'd wind up having a heart attack or getting cancer or something.)
I just hate the fact that some number cruncher gets to decide what medications are best for me rather than MY OWN DOCTOR.
Comments
Yes, Health Insurance and the Medical profession both suck...
My former company started this mess for me, they got caught up in this whole "deductible/out of pocket is less expensive scheme". We switched in April. Come Nov/Dec my family developed medical problems. I was trying to keep up as we went, paying "my share". Come to find out the people I pay don't tell the insurance companies what I've paid and the Insurance companies don't ask and could care less. Which is why I know I've paid more than my so called fair share, which is another point entirely. Now back to what I was complaining about, most of the bills started hitting in january. Which by the way comes after December, which is coincidentally the last month of the year for the deductible and we got to start all over. So, Come January/Feburary here I am meeting a whole new "deductible". This sucks! To top it of, my company goes under in March. Hello, now I'm paying $1000/month for cobra. Unfortunately, I cannot get my own Health Insurance because I have Diabetes. Terrific, I'm in great shape aren't I. But, thankfully I get a new job. Crap... A new Deductible. Except this one is bigger than the last one. Plus it costs me more per month. Now I'm drowning in medical bills. Just shoot me now. $9000 out of my own pocket, not including what I paid in premiums... For ACL surgery alone (This does not include the former two deductibles). I realize, I can't go to the Auto shop to have this done. But, it's not freakin brain surgery. $56,000 (which is the reason I would never choose a "limited liability health insurance plan") was the original bill from the hospital alone... for Eight hours of work. Eight hours? That's like $7000/hour... Isn't that what Michael Jordan made? Granted... I've met my deductible and out of pocket and I don't have to pay anything else for the rest of the year (what like a whole month?). If this is what I have to look forward to every year for the rest of my life... just shoot me now, someone else can collect whatever is left of me.
Posted by: Uomiwon | November 26, 2008 11:24 AM