Insurance Policies & Other Horseshit

Greetings;

In the past, whenever I was an employee of a company, I had health coverage supplied by my employer. In the past 5 years since I began working on-contract it has become more difficult to guarantee coverage. There is often a 90-day working period without coverage. Monthly COBRA payments often cost over $1,000 for "peace of mind." I am currently working on-contract again, and have to supply my own health coverage entirely. And cannot get it. And I'm not sure I want it.

Health Insurance companies generalize and blanket a judgment of a level of care a person may need, based on a questionnaire you must fill out for the insurance provider. Proof-positive that we are looked at as statistics, not patients, and especially not people. This is true when they "score" a person's health history questionnaire. That score determines whether or not you have the ability to pay into the pool of money you may need to cover a doctor's visit. Or a hospital stay.

I recently paid out-of-pocket for a doctor's visit and my prescriptions. Total was $290. Had I paid into the plan I had applied for, I would have paid THE SAME payments toward the deductible, as well as the monthly $170 premium for them to keep track of my money for me. I had to go to a walk-in clinic instead of my choice of care-provider. I got most of what I needed. $170*2months = $340 + $40 of co-pays = $380. Simple math.

So sit tight if you have health coverage already. Don't set out on your own. Don't skydive, or drink too much, or take up Tokyo Drifting or self-tattooing. Do nothing whatsoever. Let your government make the case for you that you are worthy of a health care plan, THE WETNESS OF THE AMERICAN DREAM... and force you into taking one.

Ironically enough, I am currently on-contract for a major Health Insurance company. They shall remain nameless out of courtesy to those I work with, and the round-about ways money makes it to my pocket. So don't ask. From what I can tell, this company (also a non-profit firm) is doing all it can to keep things flowing, and as complicated as the Inflow and Outflow of claims and money goes these days, I'm amazed we don't just give our favorite doctor $1000 at the beginning of the year and say "tell me when I'm down to the last $200."

That kind of stuff'll make you sick, crazy, and in need of in-patient psych work. More than you need now, I mean.

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Health, Care?

Not that I know all there is to know about the machinations of working through the nooks and/or crannies of the Health Care Industry, but there are surely some changes that must be made on both sides of the receptionist's desk.

I have had moments in life where I surely needed my health coverage to handle the paperwork and bills that would have otherwise submerged me. Leg carpentry, wisdom teeth, child birth, and general quality of life stuff, thankfully, have all been handled by my health insurance. For the past 19months I have been without my own insurance (THANK YOU, horrible economy, bad borrowers, bad lenders, and California!) while working under my wife's insurance policy (Thank you Touchstone and later, the $1100/month COBRA Payment, and thankfully we had the money to pay for it). Not everyone has been in our position.

In 1999 I was in Ireland where I had a fantastic golf trip completely sideswiped by the evils of having to go to bed early in the morning after a few drinks. One night I was bowled-over by a couple of dorks wrestling in a nightclub (not a lot of women around), which ended when my knee went sideways. The next day it had swollen to the size of a grapefruit, and a trip to the local emergency care was in order. 2 hours later I had X-rays, crutches, and a couple of minor painkillers. It cost me $60, American.

There are so many facets of health care that I cannot go into right now because I have to fold laundry, but I'll tell you this:

* If you have a job that supplies health care, even on just a subsidized basis, think of toughing it out before you bail. It's tough to get coverage if you've been without it for a while.

* If you pay taxes, you should be entitled to getting at least enough coverage to keep you from throwing up too often, keeping your teeth in your head, and surely keeping your kids in good health. A healthy human is a happy human, and that's a productive human. And we gotta produce something sooner or later.

As I move forward with getting private health insurance via LifeWise, there have been some speedbumps, but I've been through much worse. The amount of $ one must pay varies greatly, but with this new plan, hopefully, when you need that $ returned to cover a claim, you won't have to fill out more than 5 forms.

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Obama's Message Failed Us All

President Obama's message to the nation's youth and school children - but NOT the Home-Schooled Children - missed on few key points yesterday. The children, who some believe are our future, of this nation have a daunting task ahead of them when considering the changes needed in Health Care, Reality TV programming, Stand-Up Comedy, and Organic Farming. The President's moment had arrived to speak to the children, directly, and to the parents of those children IN-directly, and to the baby-daddies of many of those children unintentionally. And the ball was dropped.

In such a large forum it was surely important to address education, personal responsibility, mandatory birth control, FaceBook pictures, and not getting a neck tattoo of a basketball before the age of 20, no matter how much of your ass shows above your long shorts, you clown. Those tatts only make it easier to identify you, which the police, and the coroner, will appreciate.











How did President Obama fail?
He had the opportunity to say anything to these kids... ANYTHING... and here's a list of what he should have, and did NOT, tell them...

1. "It is in your best interest at all times to RETURN YOUR EMPTY SHOPPING CART TO THE CORRAL, instead of the empty parking spot or half-way into a planter near your car. And call your mom & dad on this monumental laziness at all times."
2. "Your family pet is a pet, not a tool. Unless you are one of our nation's sight-challenged youth who uses a service animal to help you navigate public areas, DON'T BRING YOUR DOG INTO THE STORE, ever. If it can't survive in the car or the living room, it's probably going to die in Frozen Foods. No matter how cute, eventually, somebody will bring a larger and larger and larger dog until the local grocer aisles are roamed by pumas handled by illegitimate owners. NO. DOGS. IN. STORES."
3. "Your music sucks. Your brains are absorbing a ton of over-emotional drivel from the likes of Rihanna, One Republic, Hinder, Linkin Park, Beyonce, and yes, even Lil Wayne. The list goes on and on. The louder you music has to be in order to sound good, the less intelligent you will be for listening to it. Do what you like with that."
4. "Deadwood should be wrapped up with a movie. Demand it now."
5. "In closing, regardless of the color of your skin, the ancestry of your bloodlines, or the behavior of your friends, nobody likes loud, rude, crass, unintelligent, boorish, mush-mouthed jabber. If you can't say something nicely, keep it at yo' self."

Of course, there's far more to have been covered, but I think we all know what's-what here. In an era of Me First, My Phone, My Face, look at ME ME ME ME... and then ME is very unimpressive... at some point SOMEBODY has to step up and say "ENOUGH."

Don't leave it to the kids. Educate them on how to act with class, tact, manners, and courtesy. We don't need kids acting like prim & proper little dorks, but using the words "F*** Yeah, I gots a HEEYOOJ bowlzak fuh yo mama!" almost NEVER ends with getting invited to the pool party.

As for the Healthcare message, you CANNOT put a price-tag on human life.
They're not all worth the same.

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