Insurance Hell

It’s always been taught that in America you grown up, go to college, get a good job, and you get insurance so you’re covered just in case you ever get sick. This is just another American lie .I did all those things, I am responsibly insured and pay my ridiculously high premiums every month expecting to get covered when I or my family  get sick.

 Here’s the thing…it’s all a lie.

My insurance coverage is pretty good, probably better than most peoples, but insurers have found a wonderful way to get out of paying for what they are supposed to pay. I have spent the last month trying to get my insurance to pay for IV antibiotics which my policy states they will pay for. I’m in the middle of insurance hell. Currently they have approved the IV medication, which I have at my house, which expires in 10 days. That means I have to start the medication 2 days from now in order to use it before it expires. Insurance however will not approve a method to get that medication into me. They have run me round and round and round in their effort to try to avoid paying for this. So now I have this expensive medication sitting in my refrigerator that is going to complete waste and meanwhile I am getting sicker by the day.

 Logically you would think the insurance company would want to get me better so that I don’t spend the rest of my life sick, going from doctor to doctor trying treatment after treatment. Unfortunately insurance companies aren’t logical and it’s come to my attention that our health care system is set up to keep you sick. Your doctor says a treatment will make you better? Too bad, we won’t pay for it, please suffer for the rest of your life. Oh, and we can’t outright deny you because that would be illegal, we’ll just make your life a bureaucratic hell so you’ll eventually give up.  We’ll make you spend every minute of every day on the phone trying to get through the bureaucracy (all while you are sick and barely functioning) because we know if we make it bad enough, you’ll give up.

I know I’m not the only one who goes through this. Why is America putting up with this? We have this massive trillion dollar new health care law which does absolutely nothing to solve this problem! This is just beyond insane to me. Is this really the only way? Do we really prefer that responsible insured people suffer for forever in the name of capitalism and insurance companies? Not to mention the people who can’t afford insurance, what are they supposed to do? Why must we devote such large proportions of our incomes for such terrible health care? I am an American who is fed up. I am fed up with being treated this way.

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6 thoughts on “Insurance Hell

  1. I’m sorry to hear about this. But considering the number of people filing for their insurance claims daily, it is hardly surprising. Have you ever thought of changing your insurance carrier? They should be supporting your policy-covered benefits even before a doctor appointment. But here you are, now on the medication stage. How are things going? –>Elnora

    1. I wish it were as easy as changing insurance, we aren't allowed to change insurance except for the month of December. Even if we could change, I highly doubt a different carrier would be better. The system is basically kept up to keep you sick.

  2. Insurance companies are very strict when it comes to granting claims. You have to make sure that you follow all the things written on the policy or else, you will really find it hard to get your claims. However, if you know that you’re doing the right thing yet the company still refuses to give your claim, you should ask a legal representative to help you avail what you really deserve.

    Keith Andrew

    1. If only I weren't funneling every penny I have to pay for my medical care, maybe I could afford a lawyer. Unfortunately no lawyer would take on a case like this, not enough money in it for them and they would have to fight the insurance company who has wads of cash and tons of lawyers all designed to keep you from getting what you paid for.

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