So, my firm is switching health insurance providers and I’m switching from being covered by my mother’s insurance to paying for my own, and it’s ruining my life. Let’s break it down.
First of all, to have access to this shitty coverage in the first place, $40 comes out of every one of my paychecks.
Second, I have to designate one Primary Care Physician who has a contract with my insurance company (meaning I have to switch doctors again because my current one isn’t with the new insurance company). Every time I visit this doctor, it costs me $25.
If, for some reason, I have to visit a specialist of some sort (I need like 5 because my overall health is a mess) I have to be referred to an insurance company approved physician through my designated Primary Care Physician. Each visit to an approved specialist costs me $50.
If I am admitted to the hospital for any reason, it automatically costs me $300.
Regular prescriptions cost $30/month. My pain medication for my herniated discs costs $50/month.
I hate everything about this.
I want to move to Canada.
If it is so bad, pay out of pocket.
Wait.
It’s NOT as bad as paying out of pocket.
Well if the government provides it, who pays?
The rest of us?
So we have to pay either through an insurance company or through the government, either in premiums or taxes.
Who is more interested in saving money because they can’t just “print it” and they have to report to stock holders, compete in the open market, and provide quality care at a cost?
The insurance companies.
Sorry for your plight, but American healthcare is saving your ass.
Thanks to this complete stranger for raining on my weeks-old pity parade.
And actually, I’d prefer to pay higher taxes and have universal healthcare so I’m not paying ridiculous deductibles in the event of an emergency and watching while my friends who aren’t lucky enough to have insurance go bankrupt from medical bills.
So you want to pay more?
I’m sure you can find a better health plan if you are willing to pay more. Then you won’t have those deductibles.
Sorry about all your bankrupt friends. They should get jobs with kick-ass benefits.
Either that or they should stop breaking their bodies.
Or stop trying to fix their bodies.