Medical Insurance

Today I was notified that the company provided health plan made a mistake in billing for my account for the past year and I now have to ‘make up’ the difference.  Grrrrr…….

I guess I wouldn’t mind as much if it weren’t for the fact that the deductable is so darn high that when I had surgery in July of last year virtually none of it was covered, yet I had to pay insurance.  On top of that, two of the medications I use to help with breathing problems are not covered so I pay almost full price for those, which I have stopped taking because it just is too expensive.

So, I am paying for insurance for what?

Waiting room doctor's office - by Ryusho, 11/2008

Waiting room doctor's office - by Ryusho, 11/2008

I am not alone by any means.  A good friend just lost her job, she is eligable for COBRA, but being eligable is not the same as being affordable.  Having a pre-existing condition make insurance almost an impossibilty and yet who, when they get to be our age, doesn’t have some kind of pre-existing condition.

I am not sure exactly what the answer is, but there has to be something better than what we have now.

There is such an uneven distribution of medical care that something needs to be done to even it out some or else make it equally available to everyone.  I wouldn’t want to deprive anyone of the best care possible, and yet a whole bunch of people suffer with almost no care.  I am at least fortunate that I can get care, even if it isn’t affordable.  Many do not have even that.

Some are fortunate because they have access to the latest and greatest in medical care with no regard to expense, either because they are very wealthy or because they have very good insurance, again probably wealthy.

Insurance companies don’t want to have as customers those who have conditions that may certainly require treatment, they also don’t want to handle those who can least afford it.  The insurance companies decide what treatments it will cover and how much they will pay, demanding doctors lower their charges and consumers pay larger portions.  It just doesn’t make sense.

Looking at the two major hospitals in Charlotte you see large campuses with many new buildings.  They both advertise the best of medical technology available, yet both are reluctant providors of care for the indigent or those least able to afford it.  And I know from a couple of friends accounts that this is the case because they have experienced it themselves.

Of course nothing I have said here hasn’t been said someplace else, I guess it is just my turn to rant some.

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