you can’t win w/ health insurance

You just can’t get your own health insurance. You can’t. It’ll suck.

Though, my new company health insurance plan sucks too. So, which to pick?

Our company used to have our health plan through Kaiser Permanente. A handful of us were the only ones who liked it. Everyone else didn’t. So, we switched to Anthem, which everyone else loves, but I hate.

They love it b/c they use their own docs. Even w/ Kaiser, which didn’t really allow for that, they did, & just paid the extra surcharge.

Well, I don’t have a doc. So, when I had to make an appt just to get a refill on my old prescription, I picked a doc & called to make an appt. Was told there wasn’t an opening for 2 months. I told them I didn’t care who I saw, anyone was fine, I just needed a new script. 1 month wait for that.

What if I was seriously sick? It’d be 2 months? I’d be dead by then.

W/ Kaiser, I’d call in the morn & would get to see a doc that afternoon. It might not be *my* doc, but since everything was on the internal computer system, they had my complete health history right in front of them. If I needed an x-ray or blood taken, I’d simply go downstairs to either lab.

W/ the new Anthem, if I need blood work, I need to go to a special Quest lab. I don’t even know where those are. I’m not sure that x-rays are covered.

photo from flickr user Steve Rhodes - click to go to his photos

A co-worker thought she’d stepped on a nail, so called to get a tetanus shot. She was told she’d have to pay the co-pay for the appt, plus whatever the shot cost (this can be $85 or more, depending). She also found out that if she’d asked for the same shot the day before, it’d be just the $15 co-pay b/c it woulda been a “preventative procedure”. Now that she’d stepped on a nail (she thinks), it’s a “diagnostic procedure”. Um…. sounds like pre-existing condition to me.

But isn’t that the whole point of insurance. Doesn’t the word itself mean that you’re investing your money in the case that something does happen?!?! They’re the ones that are supposed to be there to FIX whatever happens. I know that’s how my car insurance works. I don’t get a new bumper before I’m in an accident.

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