…Because they want YOUR money! And if you’re not completely 100% healthy…well…you’re screwed.
For the last 4 years or so, my wife’s employer has been the supplier of our health insurance. Basically, she has worked simply to pay for it. It isn’t like she’s being paid a boatload to work 3 or more days a week. She has been a great sport about it, but recently she decided that she might want to try being home more with the kids on odd school schedules and she wants to be home for them when they get out of school. I am behind her 100%. However Anthem Blue Cross isn’t. And here is our story…
Let’s begin with me. 2 years ago I had a back ailment. The general concession is that it is a bulging disk in my lower back. I underwent some physical therapy for about 2 months and had to endure 3 epidurals before I started feeling normal. Now I’ve developed a workout regimen that has me feeling healthier and I am working on my core muscles to aid in supporting my back. I watch what I do as far as lifting and extending myself and so far, it has been working! I have been feeling really good! (Knock on wood)
My wife, about 5 months ago, fell asleep in an odd position and woke up the next morning with a stiff neck. Not wanting to irritate it anymore, she went for 1 consultation with a local chiropractor. A few twists and turns later, she was fine and never thought anything of it. That, seemingly, was the end of it.
About 2 months ago, when Steph & I decided she should quit her job to become a “stay-at-home” mom (and I put that in quotes because my wife NEVER stays home), we re-applied to the SAME health insurance company (Anthem) that we are on now, only we wanted to take on the cost of the service. We figured it made sense since we are already in their database and have been using Anthem for some time.
Well…apparently this wasn’t the best idea. Soon after sending in our application where we were totally honest about our health issues, Stephanie received a phone call from the company repeatedly asking her about her “neck issues”. She couldn’t seem to get through to the representative that it was a one time deal and that it was now resolved. But the woman on the other end continued to ask her about it for 25 minutes! Over and over, Steph told her what happened and over and over the woman harrassed her about it. Needless to say, Steph was kinda upset over the whole thing. She was worried that they weren’t gonna cover us because of her. I told her not to worry about it because I couldn’t imagine what MY phone call would be like. But it never came.
Instead, an email from an Anthem rep came and said that Anthem would insure our 2 kids for a regular rate, but Stephanie would have to pay a “little extra” for her “neck issue” and I couldn’t be covered at all. Apparently I am a liability.
It’s interesting that this is happening to us right now, seeing as how we’ve all been hearing about what a mess the health insurance world is right now. The funny thing is, except for my back injury, I really have had a pretty healthy life! Unlike some folks who have serious health issues and crazy doctor bills!
Steph & I recently rented “Sicko”, the last Michael Moore documentary about the health care system and how fucked up it is. This experience has definitely brought it more to our attention! So we’re gonna look into other health care companies. Hopefully we can find one that is honest and will understand that we’re just looking to survive out here, not take advantage of them. Personally, I can understand why Anthem wouldn’t want to insure me. I can see that and I am willing to go with it. But what they did to my wife is ridiculous and unforgivable. Before long, if you go to see a doctor because you have a cold, you might be considered to be a liability and you could be dropped from your health care plan!
It’s a sad state of affairs in which we find ourselves. These huge corporations basically run around, unregulated, making a shit ton of money off of us and we can’t even get a neck massage. For those who think that this is America and this stuff can’t happen…well…it does. And for those of you who don’t agree with regulation for these corporations then I have to say…you are insane. These companies don’t really care if you live or die. They just want your money. And they want it at a pretty high price.
So this week I’ll be shopping around, trying to find a company that will cover me and my family. I got a feeling it’s gonna be a difficult task. No one wants to insure me…a 39 year old caucasian male who has never smoked, never done drugs, drinks minimally and who has been physically active most of his life. I’ve never had major surgery, never had any heart problems, never required any high-priced drugs, never had a sexually transmitted disease and haven’t required any kind of in-home nursing care. In my 39 years, I HAVE had the 3 epidurals, 2 kidney stones and a few stitches and several trips to my local chiropractor. Obviously I’m a money-pit if ever there was one! So if I sound like a liability, where do YOU stand?