Ray and I ended final 12 months with the jolly information that our insurance coverage premium was going up by $200 per 30 days. Yippee!! You have to know that this has nothing to do with politics or what our Federal Government is doing or not doing with regard to healthcare. We are in the most costly group potential in the case of healthcare prices. We will not be but sufficiently old for Medicare and we’re in a bunch by the Arizona State Retirement System. Catch that? Retirement. There are not any younger, wholesome folks in our group that will offset the excessive price of preserving us alive and as wholesome as potential. (I don’t wish to get political on this submit however this needs to be a wake-up name to point out what’s going to occur when folks can select to not be insured, and they’ll. Costs are going to undergo the roof!)
We’ve been coping with rising prices for a couple of years now nevertheless it has now reached the purpose the place I’m considering taking my Social Security early simply to outlive. It sucks. It pisses me off. And but, I’m so grateful to have stated insurance coverage, no matter the price. We might be bankrupt by now if it wasn’t for insurance coverage. Sigh.
Now let me rant. Our insurance coverage firm has added a brand new twist to our protection; one which our group admins didn’t do an excellent job of explaining. We have a passive enrollment, that means that if we’re “happy” with our protection then we don’t have to do something. It wasn’t till we acquired our new playing cards that I noticed the change. The firm has now begun to “rate” docs and has put them into “tiers”. IF we see a health care provider that’s within the tier 1 group, then we pay a $30 copay or $60 for a specialist. That’s the way it was final 12 months. However, if the physician you wish to see isn’t a “tier 1 doctor” we pay double. Yup, $60 to see a main care doctor and $120 to see a specialist. Someone like say, Ray’s heart specialist or his main care doc. Excuse my language, however FUCK THAT SHIT!
I get it. I perceive that the insurance coverage firm is making an attempt to chop prices the place they will, nonetheless, they’re forcing us to go to sure docs. They are MAKING OUR HEALTHCARE DECISIONS FOR US! I do know that there are completely good docs on the market that, for no matter purpose the effing insurance coverage firm has determined, don’t make the minimize. Maybe they’re pretty new, perhaps they ask for extra assessments than the almighty insurance coverage firm likes. Maybe they didn’t fill out some freakin type! Whatever the rationale, I hate it. It makes my blood boil. (Too unhealthy that boiling blood doesn’t scale back blood glucose ranges.)
As many individuals have skilled, advert nauseum, I’ve bumped up in opposition to “preferred prescriptions”. When I went to fill my RX for Lantus I used to be instructed that my insurance coverage firm prefers that I exploit Levimir. Of course they do. As it so occurred, Sanofi (makers of Lantus) have a financial savings plan that allowed me to get my first prescription free, as a substitute of over $500. (Isn’t that how drug sellers work? Give you the primary bit free so that you’ll come again?) That was good however, why can’t they simply make the stuff extra inexpensive to start with? Anyway, I crammed it (Hello, free!) and can discuss with my new physician on Monday to see about Levimir or presumably Basaglar which is remarkably cheaper and has been talked about by a few my associates. I do know that I shouldn’t complain. I’m remarkably fortunate to have insurance coverage (although it’s costing us upwards of $18,000 per 12 months to have it, BEFORE copays and so on!)
I hate medical health insurance, and I’ve felt this manner for a really very long time. I really feel that these firms are an enormous a part of why our healthcare system SUCKS. I hate that they’re telling physicians find out how to care for his or her sufferers. I hate that they’re making us select from an excellent narrower record of suppliers, which is further tough if you reside in rural America. I do know that nobody who can do something about that is listening however I simply needed to get this off my chest. I needed to rant. Thank you for permitting me to do this.