Tag Archives: insurance coverage

Not-So Affordable Care

The medical industry is a racket. Tomorrow will be my first appointment with a rheumatologist. I have various joint symptoms, and after seeing my regular doctor and an orthopedist, this is the next step.

We have private insurance because my wife works for a small company and I have been unable to work full time for three years because of my ailments. Our best guess is that I have an autoimmune disorder that was triggered by trauma stemming from a vasectomy. (In simple terms, the doctor forgot to inject the lidocaine). I have had numerous procedures and have been dealing with nerve damage in this delicate area only to have increasing pain in my knees and ankles.

I’m displeased because I just received a phone call from the doctor’s office informing me to bring $500. I read was a requirement for those without insurance. The day I filled out the forms, I told my wife, “Yay us! We have insurance!”

Private insurance. $6600 deductible. All so we could have insurance for under $700 a month. Insurance that is pretty much useless unless one of us gets into a car accident and loses a face while growing a tumor farm on their back. And athlete’s foot. It’s the athlete’s foot combined with everything else that helps meet the deductible.

This insurance nightmare is still pre-Obamacare. By January, we should be feeling the rainbows and unicorns from the Affordable Care Act bearing down on us. I’ll be surprised if we don’t end up paying $1000 a month for less coverage.

I’m sorry. Did I say coverage? Paying for everything out of pocket doesn’t sound like an equitable proposition. On top of that, let’s pay the equivalent of a small house note each month so we can carry around a worthless insurance card.

I can see why some people might be driven to rob banks. Maybe I should bring a cap gun to my appointment and demand a free consultation.

 

(Above CC image courtesy of 401(K) 2012 on Flickr).