my beef with healthcare

Normally, I’m upbeat and happy in my blog, but our healthcare system has me very aggravated at this point and I must vent!

[Steps on soap box.]

First of all, I have Anthem Blue Cross Blue Shield insurance. Overall, I guess it’s good and I should be thankful that I even have insurance (even though it costs and arm and a leg!). I had it through my employer, but we found out it would be cheaper through my husband’s employer so we recently switched, which should save us $200-$300 per month.

About 8 weeks ago, I had my second baby and I had actually met my deductible by June 1. Well, something changed with our insurance on June 1 and the rates went up. And for some reason, I think they haven’t rolled over my deductible (it’s supposed to be for the calendar year) and those insurance folks are trying to make me pay it twice. It’s very confusing, so I’ve been trying to get the bottom of the situation.

One day, a couple of weeks ago, I called a phone number that Anthem told me to in order to get answers to my questions. I got transferred 3 times in 30 minutes, but not one person could help me. They all told me I needed to speak with someone else! I’ve emailed them asking to please have someone call ME so I can actually get some answers (still haven’t heard from them).

I checked into getting an IUD for birth control because the insurance lady said it should be covered under the new healthcare laws. Not so in my case. It would be over $300 and you have to pay the full amount to the doctor’s office before they’ll do it.

This morning, I was telling one of my sisters about my woes and she informed me that insurance won’t pay for an IUD, but it might pay for an abortion. How messed up is that? I started poking around and can’t find an answer on that one. She also told me that she can’t add her live-in fiance to her insurance but if she wanted to add her same-sex partner to her insurance plan, she could. Really???

The only good thing I’ve seen from all these healthcare law changes is that kids have to have dental insurance…but, the policy holder ends up paying for that feature, I’m sure.

When is this going to get better and more affordable? We’re going to pay nearly $5,000 in insurance premiums per year for our HEALTHY family. I know another older couple who is paying nearly $1,200 PER MONTH for insurance. That’s almost $15,000 per year!!!

Call me crazy, but there has to be a better way.

[Steps down from soap box.]

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