To round out the month, I figured I'd post another fun way in which having health care is nearly as bad for the pocketbook as not having it, with one specific example of how our personal medical costs have increased, almost certainly due to the greed of insurance company CEOs and their stockholders and the like. So. The Husband needs a special medication every month for his MS, one given as an infusion by IV. It takes about an hour for the nurse to administer the IV, and then, he has to wait under observation for another hour after it's finished, in case he has any nasty side effects. Fairly straightforward if somewhat lengthy process of medication administration. And two years ago, the treatment was fully covered by the insurance we get through The Husband's employer, Pacific Source. There wasn't even a "medicine co-pay" for the infusion, although we did ask why, as it seemed strange.
Last August, the insurance company unilaterally changed the designation of the treatment, calling it "Outpatient Surgery." They said we owed a $50 co-pay for each infusion, as our portion of the cost. Far higher any medicine co-pays, that charge hurt our budget badly. We called both the insurance company and the treatment facility to complain and to challenge the decision, but to no avail. With no other recourse, and with The Husband needing the medicine, we clenched our teeth and paid the fee. (As a side note, we were not informed of the change in designation until January, when we were sent a bill for all the co-pays for all the months since August at once. As per another post, we had to put the rather large bill on a credit card.)
This August, yet another change was in order. The insurance company raised their rates so high that The Husband's employer had to revise the contract with them. Fortunately, they did not need to lay anyone off, but at the expense of reducing health benefits for all employees. Thus, the contracted coverage for The Husband's medication was revised. Instead of a flat fee co-pay, we now have to pay a "co-insurance," a percentage of the treatment's full price.
The "co-insurance" for this medication each month? $362
Yeah, that's really not going to work so well.
We just finished remortgaging the house so we could live with the health related costs we already have every month, which are already in triple digits. We were going to be "in the black" for the first time since I got laid off. And now this, this unbelievable, boneheaded felgercarb . . . it's just not fair! I mean, I know life isn't fair, believe me I know, but this is not just about fairness, it's about scamming and jamming and criminal acts of greed.
Insurance companies have no one watchdogging them, to make sure they don't raise their rates beyond people's ability to pay, or to keep them from changing the designations of procedures whenever and however they want, to best preserve their bottom lines. What about my bottom line? What about my right to receive the health care I've paid premiums for, without these ridiculous co-pays and co-insurances, rolled up and stacked like so many profit-filled blintzes on the insurer's plate?
I know it's been bad for years, but when exactly did greed replace decency in America's health care market? When did the race for profits replace these companies' legal (never mind ethical and moral) obligations to those who have paid them for coverage?
It's not cool and not couth, and really, really just not fair.
Last August, the insurance company unilaterally changed the designation of the treatment, calling it "Outpatient Surgery." They said we owed a $50 co-pay for each infusion, as our portion of the cost. Far higher any medicine co-pays, that charge hurt our budget badly. We called both the insurance company and the treatment facility to complain and to challenge the decision, but to no avail. With no other recourse, and with The Husband needing the medicine, we clenched our teeth and paid the fee. (As a side note, we were not informed of the change in designation until January, when we were sent a bill for all the co-pays for all the months since August at once. As per another post, we had to put the rather large bill on a credit card.)
This August, yet another change was in order. The insurance company raised their rates so high that The Husband's employer had to revise the contract with them. Fortunately, they did not need to lay anyone off, but at the expense of reducing health benefits for all employees. Thus, the contracted coverage for The Husband's medication was revised. Instead of a flat fee co-pay, we now have to pay a "co-insurance," a percentage of the treatment's full price.
The "co-insurance" for this medication each month? $362
Yeah, that's really not going to work so well.
We just finished remortgaging the house so we could live with the health related costs we already have every month, which are already in triple digits. We were going to be "in the black" for the first time since I got laid off. And now this, this unbelievable, boneheaded felgercarb . . . it's just not fair! I mean, I know life isn't fair, believe me I know, but this is not just about fairness, it's about scamming and jamming and criminal acts of greed.
Insurance companies have no one watchdogging them, to make sure they don't raise their rates beyond people's ability to pay, or to keep them from changing the designations of procedures whenever and however they want, to best preserve their bottom lines. What about my bottom line? What about my right to receive the health care I've paid premiums for, without these ridiculous co-pays and co-insurances, rolled up and stacked like so many profit-filled blintzes on the insurer's plate?
I know it's been bad for years, but when exactly did greed replace decency in America's health care market? When did the race for profits replace these companies' legal (never mind ethical and moral) obligations to those who have paid them for coverage?
It's not cool and not couth, and really, really just not fair.
How I'm Doing:
cranky
Unburden yourself
