Oh look…a happily insured family! Notice…MY family is NOWHERE to be seen!
A few months ago, I wrote about the fact that Anthem, our long-time insurance company, would not insure me any longer because of my back issues from last year. So my wife and I looked around and found an insurance agent who recommended United Healthcare. I figured that a different agency would look at my situation a little differently if they hadn’t paid off any of my previous bills for my sciatica. I mean, I haven’t had any problems with it since last January and have been working out and trying to eliminate the probability of it returning, so I’m thinking this should be an easy deal. But noooooooo…no dice.
My wife and I had applied online, thinking it might speed up the process. A person from United called and asked about my back and if I had had any reoccurring problems. It seemed like a nice conversation and I figured I wouldn’t have any problems getting covered. But the paperwork came in the mail on Saturday. My kids and my wife can be covered. I, on the other hand, cannot. So now I’m back to square one and somewhat befuddled.
I have to admit, I really didn’t think this would be this difficult. I mean, I feel healthy. I look healthy. I always pay my insurance bills on time. So I don’t know what to do. I’m thinking about just setting up a medical savings account and having money transferred in every month and calling it a day. Because I don’t know what I can do if the insurance companies refuse to cover me. I guess I’m a liability. And that’s fine. Unfortunately, if I go down, my family comes with me, because I am the moneymaker in my household and without me, we’re screwed! So that makes me feel a little uneasy. Okay…it makes me MORE than a little uneasy…it’s enough of to give me ulcer!
So where do I go from here, dear friends? Do I set up a medical account, throw a couple hundred in there and start saving for a rainy day? Or do I continue filling out paperwork and (at some point) turn to lying about my past condition in order to get covered and then hope it never happens again? Looking for some opinions here, so get out your typing fingers and help me out…mmmmkay?