My son came home from his grandmothers with red cheeks and a "lacey" rash, as soon as I saw it I knew it was Fifths Disease. My older son had it at about 3.5yo, and you can only get it once, like chickenpox. However, like chickenpox, if you get it as an adult it's MUCH worse. Lucky me, I (wasn't) one of the 50% of adults who are immune.
On August 1st our insurance changed from one company to another. On Tuesday I had a HUGE SOD attack and ended up in the ER. I had information ABOUT our new insurance but no card, and no number. I absolutely HAD to see the GI within the next day or two. Luckily, they were willing to see me and bill the visit when I recieved the numbers from the insurance. I went back and forth with this insurance company trying to get a "contract" number. I had a "group" number, and they had a fax from my husband's boss asking for them to expidite the addition into their system. The doctor said I needed to have another ERCP, but this time he is going to put a stent in my bile duct to force it to stay open. The hospital wouldn't book the surgery without the contract number, so I was stuck in insurance limbo. I was legally and technically covered, but I couldn't "prove" I was covered. After three days of back and forth, and the OWNER of my husband's dealership ready to break the sales rep in half if they didn't get me a contract number, I got one.
I do NOT understand how difficult it is to put a number into a system and have it spit out another one. Nor do I understand why you wouldn't have a "default" emergency number if it's going to take up to 30 days to get the "real" numbers. Furious, tired, hungry, and having panic attacks, I am NOT happy with this company, and would LOVE to see ALL of them wiped off the face of the planet.
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Comments: 42
Workin' on it.
Send this note of your experience to Obama.........he WANTS to hear these horror stories!
This isn't really insurance related except in the sense that you were dealing with an insurance company. It's more in the category of bureaucratic nonsense. We have a house of cards health care payment system where tiny mistakes in processing information can have large consequences. Bureaucratic inertia and the way large organizations defend themselves make it worse.
We need a simpler system.
The cars are being broken down to remove them from the market.
The alleged reason, is reduction in gasoline usage, but.
Of course it also is to stimulate purchase of new autos.
That isn't bad really.
What do you have against good union pay? Do you prefer underpaid, unbenefitted workers, with no limitations on how many hours they must work per week?
Then there is this:
The auto industry has killed all technology that will increase milage with a retrofit.
Cost of retrofitting would not provide a new owner with a warranty.
All the systems would have to be repaired and upgraded.
Air conditioners
Breaking systems
Airbags if they had been present
Seatbelts
Running gear
Things like upgrading old cassette players to CD players
GPR systems
All the goodies.
Keeping a car running past 60K miles or restoring an old one for safe and reliable use is not a simple task.
It is machinery, and subject to various levels of mis-use and abuse by previous owners.
As for health care and auto insurance.
Tax paid does not mean "free"
So are you promoting a no-fault kind of auto insurance?
I think it is perfectly silly to pretend there is a possibility of free health care.
Impossible.
Again? How many times are you going to have to go through this crap? I'm serious! This is bullsh**, sorry, post isn't flagged. Oops. I've tried some of this without insurance, and you sure get no where fast - it's pay upfront or die. Sorry you're in this mess -- again.
Marilyn
You get sick and go see your doctor at his office. He or his nurse check you over and sit down to tell you what they believe is wrong with you. It is nothing that they cannot cure with a drug that cost you 1 dollar and their cost is 10 dollars. You pay this direct with not accounting firm getting their take and go home to get well.
The next time you catch a big one that requires machine treatment so the doctor sends you over to the machine treatment area where you are scanned, etc. and given a report to discuss with your doctor. Cost will be 10 dollars paid on the spot.
Are you starting to see what things could become is all the high overhead cost is removed and controlled like a business?
The machines you think can be used for $10, cost as much as $1 to $3 Million,
Require special training to operate and to read the results.
Which pharmaceutical do you think is going to sell their latest meds for $1-$10 per treatment
Why should a lawyer be on a fixed pay rate?
Don't you believe in free enterprise? capitalism?
Perhaps you have not paid for your own medical care for a very long time.
Some of us do/have.
Now as far as Healthcare goes, you have to look at where the money is being used. If you put much of that under government direct pay and the real care under the sick person than thinks looks very different. The government right now pays for almost all of the new drug development and allows the companies to patient it and make a huge profit. The cost of making the drugs are about the same as making hard candy so except for the high cost of advertizing and making new drugs to charge more money to hurt the user, the cost is fabricated.
The drug companies have to find a new patient drug and make it salable. It is problable that some of the old drugs will do the same thing better but the profit is not their to make and sale them. It is possible that we the people (the government) can take over all the drug suppliers and pay them to make the drugs were really need. The high cost of advertizing can be eliminated by teaching the doctor user how they should be used and letting him inform his patient. I'm just getting started but hope this gives you some of the idea why medicine care can be made real inexpensive to the patient.