Another Call to Anthem This time about Express Scripts

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Yesterday, some stuff at the pharmacy was… available, not available, available, not available … Please Call Anthem.

Sigh! 32 minutes on hold with Anthem.

“Hello”

“Hi there, could you please explain why I’m having problems at the pharmacy now?”

“On moment, Ah here it is, you haven’t Opted out of the Express Scripts Mail order service.”

“Ok, Let me explain something to you in no uncertain terms. If you force me to deal with Express Scripts I will cancel this policy.”

“Oh you’re not being forced to use them, you just have to opt out.”

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“In other words you’ve signed me up to use their mail order service without bothering to tell me about it. Otherwise I wouldn’t have to Opt out.”

“Oh no Sir, all our clients have the option to use Express Scripts, you just have to tell us you don’t wish to use this valuable service.”

Briefly, I think about going ‘round the maypole again but obviously the nice lady at Anthem doesn’t understand my meaning about needing to Opt OUT of something versus choosing to Opt IN to something.

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It would be a long conversation that dealt with the English language and fundamental rights, such as the right to privacy. Banking and credit cards spring to mind.

I’d, until the past decade or so, operated from the position that my account information, purchasing habits, or even the fact that I did business with a particular bank or credit card provider was private.  

Then I started receiving bank privacy notifications and forms that needed to be returned to Opt Out of them sharing my data with other companies.

While at the same time a certain bank of note started sending demanding e-mails and text messages once a quarter to Opt IN to their saving programs. Of course I’d like to save 5% on my purchases. Why do I have to re-affirm this every freaking quarter and WHY do they use words like madatory and Action REQUIRED in their quarterly reminders?

Why do they only bug me once a year, in very fine print to opt out of their selling my personal information? It seems backwards to me but then again I’m an old fuck.

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I decide that the Anthem girl probably wouldn’t get it. She sound likes she’s in her 20’s. For her my explanation wouldn’t make any sense.

She’s from an age where its common place for ex-boyfriends to put naked photos of her or movies of them screwing on the internet. 

Privacy means considerably less to her generation than it does to mine. 

I doubt that she’d even understand the subtly of difference between opting out of something versus opting in to something.

“Ok, can I please Opt out of this fine service?”

“Certainly Sir, here’s the phone number to call, Please hold; I’ll try to transfer you to them.”

While I’m on hold listening to Muzak, I’m thinking that If this is what I have to do to deal with the insurance company, then if I were a doctor multiplying that by 100 or 1000 I’d never get any work done.

As it is, just trying to keep the ballon of my personal insurance in the air is stressful and time consuming. I’m wondering, “what are they going to screw up next?”

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I’m also thinking it’s time for me to start shopping around for an insurance company that doesn’t require all this maintenance. Of course I realize that’s probably a pipe dream.

I begin to understand why so many doctors are just tired of the whole damn system.

I think of a childhood doctor, He was in private practice for a few years and I liked him. He’d been a military doctor, when he was just out of med school. After a few years, he gave up his private practice and went back into the military. I assume that’s where he finished out his career, by now he should be happily retired. I remember at the time wishing that he & my mom would start dating. I liked and trusted him.

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“Sir? I’m sorry, but that department at Express Scripts is closed.”

“Fine, thank you for trying. I’ll give them a call myself in the morning.”

I can’t help thinking that this is all far too complex to be in my best interests.

I’ve been on the phone with Anthem at least once a month since November.  They claim all this chaos is due to Obamacare.

I’m sure that at least part of it is, but I’m equally sure that Anthem and other insurance companies are making things more difficult for consumers.

After all what better way to have Obamacare repealed than to inflict pain on the consumers who also happen to be voters.

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I’m sure that the insurance companies aren’t losing any money due to Obamacare.

I keep thinking of the way gas prices go up. The oil companies jack the prices to obscene levels, then keep them there for a month or two. Then they drop the gas prices back to .20 above what they were before the run-up.

We idiot consumers breath a sigh of relief because the prices have dropped but we’re still paying more at the pump than we were.

I wonder if the insurance companies are attempting a similar gambit Obamacare jacks the prices and inflicts a lot of pain for the consumers. Then Obamacare gets repealed and the prices drop some and we think “ahhhh that’s better,” then move on to the latest idiocy of the Kardashians.

This morning bright & early I call the number I’ve been given to Opt-out of Express Scripts ‘wonderful’ service.

While I’m navigating the obligatory voice prompt system; I’m thinking that the local pharmacies have been taking it in the ass because of companies like Express Scripts.

Even the big chains are feeling the pressure and the little independent pharmacies are almost gone. Where is the protest against that? Right, I guess it’s not high profile enough to draw the ire of the Occupy protesters.

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“Hello this is Mark your pharmacy advisor.”

“Hello Mark, I need to opt out of your service.”

“I’m sorry to hear that sir, we do provide a more convenient service providing you with a 90 days supply of your prescriptions via mail. First I’m going to need to know who you are and your date of birth.”

Note to self: Date of birth has become a piece of data that should be protected. This guy is looking me up with my name and date of birth. Come to think of it that’s all the insurance company or medical practices ever ask for.

I provide the requested information.

“Alright sir, could I ask you to hold for a minute or two?”

“Sure,” I reply, wondering why it takes a minute or two for him to click a check box on a computer screen. But then again this IS Express Scripts and I know how royally fucked up they are.

“There you are sir, you’re opted out. I’d like to remind you that we’re here should you change your mind.”

ExpressScripts1“Not going to happen,” I growl.

“Might I ask why?”

“You people screw up all the time. You screwed up my RXs and changed the drug I was taking to another drug claiming it was the same. Look man, if the drug has different chemicals, they’re not the same, they’re different. Here’s an experiment for you, try taking estrogen instead of a testosterone replacement and tell me how that goes for you. They’re both hormones just a little different.  Then there’s the whole question of your being able to keep records. Your RX by mail online history was always wrong and that begs the question about your ability to detect a potential drug interactions. No, I will not deal with you. I’ll continue to go to my local pharmacy and be able to talk to my pharmacist. You might also want to note this, if mail order through your company ever becomes mandatory through this Anthem policy, I will cancel the Anthem Policy just to get away from you!”

“Er, Um… I’m very sorry for the difficulties you’ve had in the past. Please remember we are evolving and our procedures are getting better all the time. So if you ever change your mind we are here.”

I give him props for his recovery.

“Thank you. By the way, it’s nothing personal it’s your company.”

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“Have a nice day sir.”

“Thank you and you do the same,” I hang up. 

Hopefully I won’t have to call Anthem until later in the month, next month.I’ll wait 24 hours then see if all in my insurance world has returned to normal.

I have no need, as far as I know, to call Anthem. I’m penciling them into the calendar just because I KNOW something will go wrong and I’ll spend another 30 minutes to 30 hours dealing with them.

Back on the phone with Anthem BlueCross

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This is what, the 12th time I’ve had to call these people in 4 months?

Today it’s about receiving a couple of bills that make absolutely not fucking sense. I’m sooooo Tired of dealing with this bullshit!

Then there’s the little annoyances that tend to get you (alright ME!) amped up before you’ve even gotten into a hold queue wating for an agent that will probably fuck your shit up worse than it already is.

I swear every time I speak to one of these people they claim that everything is happy and good to go and then a month later I get something generated from a computer that makes it obvious something is still horrifically fucked up.

So in order to blow off steam before I actually talk to a human, here are the irritations in the order of encountering them.

Item One

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Bills (one each) for portions of a policy. Contained within these 3 page bills is one page with explainations of how I can have an interpreter and a phone number for the Department of Insurance.

This page is printed in Spanish, Chinese, Vietnamese, Tagalog, Korean, Russian, Japanese, Arabic, Armenian, Punjabi, Khmer, Hmong, and Persian.

The main bill is all printed in English and I’ve identified as being an English speaker, so I’m somewhat annoyed by the waste of 3 pieces of paper every month.

Actually it’s 9 pieces of paper every month because they are supposed to be billing this directly from my checking account.

What they’ve been doing is billing my account then sending me 9 pieces of paper telling me that they’ve billed my account.

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Item Two

Of course nowhere on this bill do they have a phone number to call if you have questions about billing. Instead they say you’re supposed to call the Member Number on the back of your insurance card. Only problem is:

THERE IS NO MEMBER PHONE NUMBER!

There is however a customer service number that puts you into the insanity of a voice prompted computer system that doesn’t understand standard spoken English.

Eventually I just start hammering around on random numbers until I get into a hold queue.

Item Three

The reminder that all representatives are still busy played every 30 seconds. Yeah I kinda figured out that you guys are busy BECAUSE I was on hold listening to shitty hold music! How about extending that notice to once every 90 seconds?

Then I hear someone answer the phone. Wow! I was only on hold for 45 minutes this time.

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I get to a very nice man in the Philippines. Yeah, the Philippines who is able to answer my questions. Really?

The folks in the Philippines are a very nice and gracious people but why aren’t we talking to Americans?

You know out of work Americans who are struggling to feed themselves and THEIR families?

Item Four

Anyway, the nice man explains that the two bills I have saying that payment is immediately due are because Anthem failed to debit my checking account again.

Apparently these bills are trying to catch up for 2 months of payments that are in arrears. He offers to bring the accounts up to date but wants to do it via a credit card.

I decline. I’m growing more suspicious of Anthem.

I mean really, if they can’t keep it straight that I’ve given them permission to take their payments right out of my checking account; this is the 4th time they’ve screwed this up since November, can I really trust them to pay for services to my Doctor?

Item Five

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The nice man tells me that one of the bills is for Dental insurance.

Uhhh, I cancelled that back in Feb. Then he explains… It’s for pediatric dentistry.

SAY WHAT? I thought that’s why my damn medical insurance when up after the fucked up implementation of Obamacare!

(I swear, if ever there was something that needed to be aborted, Obamacare fits the bill).

But since they’re sending me a bill for it separately, It occurs to me that I can refuse to pay the bill.

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As I’m thinking over this insanity It occurs to me the cost of my meds is 300 a month without insurance. If I go to Tijuana or use a Canadian pharmacy I could perhaps get my generic drugs cheaper. Even if I stayed in the American pharmacies I’d still save money.

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I wonder if I were to simply cancel the whole damn shebang and let our fucked up government BILL me for not having insurance if I’d be better off paying out of pocket.

I wonder if I can get a catastrophic policy just in case I end up in the hospital?

I find myself thinking of tropical beaches out of the US once a year taking a “Medical Vacation” to Indonesia, or Curacao.

The thought of a once a year checkup combined with warm sand and excellent diving is a cloying one.

I wonder if the math would work out.

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I’ve got till the 10th to decide what I want to do. I suppose I’ll think it over and run some math. Perhaps I’ll shop around for another private insurer who actually can keep the payment and billing straight on a month to month basis.

Been out of it for a couple of days… All I can say is DAMN!

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My ISP was having some difficulties with packet loss and their problems were affecting my ability to get email and upload to the blog.

Paraphrasing Poltergeist 

“I’mmmm BAAACCK!”

The question is what do I talk about first?

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The Bundy Ranch v the BLM?

I hate to even think about what could have happened if someone had squeezed off a shot during that standoff. That’s how really bad things happen really damn fast. I personally don’t think Mr Bundy has a leg to stand on legally. OF more concern to me is that we had an armed standoff at all. 

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When you start looking at issues surrounding the Bundy standoff. You can’t help but stumble over reports of other events where one could say that the US Government is overstepping its authority and behaving very much like a totalitarian entity.

There are currently issues over land between Texas & Missouri due to the ever changing nature of a river that had traditionally marked the boundary line between the states and ranchers in the area. The BLM is taking an interest and stands to usurp something like 90,000 acres without compensating either the states or the landholders.

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The EPA is attempting to assert control over many bodies of water, including watering ponds on farms and ranches. They are also making noises about assuming control of dry or seasonal creek and river beds.

Meanwhile The Border patrol has become a nuisance to Arizona ranchers whose property abuts the buffer zone between the US / Mexico boarder They’re doing things like cutting fences or leaving gates open without so much as a “by your leave.” 

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These supposed events are concerning because they’re in general, never picked up by the main stream media but are reported in local area papers. On an individual basis these seem like minor local issues but when you view them from the “orbit” of the internet it does start to look like a quiet conquest.

With government oversight, come government control. With government control, come fees, fines, and increased taxation (whether it’s called a tax or not.) This seems to be the source of the underlying embers that almost burst into flames at the Bundy ranch.

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The FDA is being reported as sticking their noses into a long standing arrangement (100+ years) between Beer Brewers and farmers regarding grain. The Beer uses the grain to make beer, then the waste material is usually given to farmers / ranchers to mix with feed stock. This arrangement takes care of the waste without requiring anything other than a farmer / ranchers willingness to haul the used grain away.

Now, the FDA is wanting to regulate this equitable arrangement in the name of public health even though there has never been an instance where the public or the animals have been harmed. Some old traditions bacme old traditions due to the test of TIME. It’s not in the best interests of Farmers or Ranchers to engage in an activity that is detrimental to their livelyhoods. So does the FDA really need to be involved? Probably not, but you can expect for their fees and inspections and whatever the hell else they’ll do to drive up the cost of a beer, and possible the cost of food too.

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The newest revelations about the IRS internal memos?

Just WHO is Lois Learner afraid of? She claims she’s in fear for her life and that’s why she doesn’t want to testify. REALLY? Can’t her employer The United States Government protect her & her family? Or is it the US Government that she’s afraid of?

The Ukraine?

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Does anyone really believe that Vladimir Putin is concerned in the least about what President Stompy Foot thinks? Don’t get me wrong Putin is not a nice guy but he’s doing what he things is best for his country ( Or Himself) and he’s not in the habit of asking permission. 

Potential for World War III?

There have been some writers comparing the flashpoint issues for WWI and WWII to what’s happening in the Ukraine.

I’m not sure that I completely agree with their assesment that WWIII could be in the offing but the correlations are interesting to read. I doubt Putin would move it to an all out war against NATO but hey no-one thought a strange little houspainter would end up Chancellor of Germany either.

President Obama’s trustworthy polls?

This one cracked me up. Approximately 60% of Americans believe that Obama is actively lying to them one way or another. Now that’s really gotta piss President Finger waver off.

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The President was on TV again today defending Obamacare and as usual took the opportunity to reiterate that Republicans are BAD and that their continued desire to revisit Obamacare isn’t in the public interest. Whoo Hoo 8 million people signed up. Lets see, there are approximately 313.9 Million people in the US. Does that mean a whopping 3% of the population signed up. Whoooo impressive!

I’d have been more impressed if this 8 million had ALL been previously uninsured people instead of poor schmucks that lost their insurance and had to find something on the exchanges.

I’d have been more impressed if there wasn’t a recent editorial by a lady that had called something like 92 doctors in New Jersey only to find out that her shiny new obamacare card wasn’t being accepted because the doctors didn’t want to deal with the smaller payments obamacare would provide for their services, and the increased overhead and oversight from the government.

I’d be more impressed if, instead of Pres. Stompy shaking his finger at Republicans he’d actually listen to what the vast majority of Americans are bitching about regarding having their health insurance screwed with.

I’d really be impressed if ALL of Congress, including that idiot Harry Reid had to sign up with Obamacare through the exchanges. (Hey Harry, let see if you’re smart enough to use the damn internet shall we?)

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I have no idea what the hell is going on anymore. I feel like I’ve walked through the looking glass into bizzaro world.

In short, HOLY CRAP BATMAN!

NO! HELL NO!

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I got a call from Express Scripts yesterday.

God, I thought I was done with those fuckers!

It turns out that my new Obamacare sanctioned, lemon scented medical policy apparently has some kind of alliance or affiliation with Express Scripts.

I told the machine “NO! FUCK NO! I Hate you People” and hung up.

I do hope they were recording the user responses. I’d love to be in the room when someone hears that response. I’m equally sure that they hear it all the time, given the number of hits my other Express Scripts posts get on this blog.

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Express Scripts is not to be used, In fact, if my new Obamacare approved insurance policy forces me to deal with Express Scripts, I’ll change insurance carriers.

That is how strongly I feel about Express Scripts.

These people are scum and their service is best thought of as a really, really, bad Indian call center for drugs.

You might get the right information or drug… But odds are better that you’re going to get the wrong shit.

These are the people that sent me a cholesterol drug, which as it turned out I was allergic to and, oh by the way, was recalled because it was contaminated with ground glass.

Would they swap it? NOPE! The bitch on the phone actually said I’d have to put up with hives until I ran out of my 90 day supply.

I didn’t know it at the time but hives can be very dangerous.

However since I’m also not a masochist I simply didn’t take the drug. Then when the recall got announced on TV I called Express Scripts AGAIN and asked why the hell they hadn’t contacted me about the contamination of the drug.

Their answer… oh that’s the patients responsibility.

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No, I will not deal with them, not now and unless I have no other choice, NOT EVER!

I’m contacting my Doc, to find out what it would take for me to get off the few medications I take.

Yes, I know I could simply stop taking them, but I’d like to do this safely and am willing to change my habits enough so that I could stay healthy and off meds hopefully for a decade or so.

Of course, this could mean Obamacare is working…

As I’ve said elsewhere, there wont be any death panels. There will simply be people that don’t get the right meds, or effective treatments.

It will be totally random and take years for the Government to investigate why so many people are dying of “Illneses for which they were taking the correct meds.

The answer will ultimately be; players like Express Scripts and their crappy record keeping, horrible shipping policies, and sloppy fulfillment of prescriptions caused the death of thousands.

Then there’ll be another decade of discussion and voting to improve laws governing big pharmaceutical distributors like Express Scripts during which thousands more will die.

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All the while players like Express Scripts will be driving real pharmacies and real pharmacists out of local neighborhoods and making a fortune doing it.

The inner city poor will be decimated first, when their neighborhood pharmacies close. Then it will spread to the suburbs.


Fight Companies like Express Scripts!

Refuse to cooperate, don’t comply. Raise hell if your HR department even mentions Express Scripts. Tell your insurer that you don’t want to have to deal with Express Scripts

If you’re already stuck with these bastards, check every single prescription. Question everything about them, make them earn their money, tie up phone lines and don’t use their website

Don’t take their word for anything about generics, or drugs they substitute without talking to you.

Make sure they have cleared every substitution with your physician. In my case Express Scripts lied repeatedly!

They’d never contacted my Doctor about any substitutions. I’m not talking just generics, I’m saying Express Scripts changed the drug they sent me entirely.

RESIST!

Save your neighborhood pharmacy. Save your life.

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Yeah, I’m passionate about it.

There’s something to be said for walking into your local pharmacy and actually talking to a real pharmacist who has records of what you’re taking and knows if you’re looking at a drug interaction.

Express Scripts couldn’t keep it straight, and I was using their automated reorder system.

That system was ALWAYS wrong! To make matters worse, the phone people aren’t pharmacists and they have no better access to information about what they’ve sent you than their web site, which as I’ve said was always wrong.

Medications are serious business. Get the wrong combination and you wake up in the hospital. If you wake up at all.

Yet no-one you speak to at Express Scripts has any accountability or training to answer questions other than accounting related stuff.

Worse yet, if you have a problem with a medication, when you call your doctor you’ll  have to read him or her the name of whatever it is you were taking because of the substitution some “Medical Board” made without actually examining or seeing you. Odds are they didn’t bother to send him or her any information about what you’re actually taking instead of what your doctor prescribed.

That of course presumes you can reach your doctor. What if you can’t? What if the drug interaction is severe? Do you wait it out, or do you go to an Emergency Room?

I like being able to talk to my local pharmacist. I like being able to ask questions and appreciate being warned of potential problems to watch out for. I like being forewarned and being told what to do If X, Y, or Z happen.

There are some things that big nameless, faceless, corporations simply shouldn’t be involved in.

Dispensing drugs is one of them.

In other Insurance news…

UnknownWow!

Spent hours on the phone again with the insurance company.

This time it’s not about getting my insurance back on-line. It was about figuring out what policy would be best for me to migrate to.

Got that all sorted out, I think. The new lemon scented Obamafresh plan will take effect March 1.

But here’s the really interesting thing I found out.

Obamacare hasn’t really helped anybody.

Oooops! Big surprise! Yeah, I’m behind the times.

Here’s the thing that rebooted my brain.

I’m not making any income. So when I get ahold of an insurance rep I point this out and ask what can be done to lower my insurance rate.

Unknown-1Medi-Cal is the answer.

But Medi-Cal I point out, severely limits my choices of Doctors, Hospitals, Drugs, and provides far less care than I, or anyone should consider acceptable. I thought Obamacare was supposed to make that better. I thought that’s what the whole subsidies thing was about.

I thought the subsidies were designed to allow people at the lowest end of the income bracket to purchase decent coverage and look forward to not waiting for care.

Obviously, I’m some kind of moron.

If, on the other hand I was making 90K I’m eligible for a subsidy? WTF?

First and foremost, I’m a capitalist pig. Even I think that’s obscene!

That being said, as a general rule I have no problem helping out those folks that are less fortunate than I am.

I believe that we should help the folks in our own country before we start sending bloody fortunes to 3rd world cesspools where hatred of America is taught in the damn schools. That however, is another topic.

I believe today and have believed for the majority of my life that NO CHILD in this country should ever go wanting for food, clothing, medical, or dental care. It’s an obscenity that so many children do go without such things.

This is not to say everyone should have a free ride either. Eventually, everyone should be employed.

However, children that don’t get enough to eat, who are sick, whose teeth are rotting out of their heads typically don’t do well in school. Without basic education we doom those kids as adults to be forever poverty stricken.

This must change. I don’t believe in grand sweeping changes which our politicians love to engage in for political purposes. I believe in evaluating the problem then solving that  problem. Often the correct answer is the simplest, arrived at by the straightest path.

Obamacare had potential. It could have fixed a problem by simply making sure the people most at risk, had care available to them.

So what the hell is Obamacare doing aside from throwing the medical care system into chaos?

If anyone should have subsidized care it’s those at the lowest rungs of the economic ladder. That’s just simple common sense. What are the politicians smoking?

I stuck with paying for my policy. I’d rather deprecate my 401K than put up with shitty medical care. But what of those less fortunate?

Where do they turn? Who is their advocate?

Thank God for Obamacare. (NOT!)

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What follows is my personal experience in the odyssey of trying to obtain and / or keep health care insurance.

In March of 2013 I obtained a personal healthcare policy at a substantial savings over the nearly $700 dollars a month I had been paying under COBRA.

Yes, I was unemployed, I still am unemployed. Make no mistake, my unemployment isn’t for lack of trying to find something. I’m old (in my 50s) so obviously I’m not employable anymore and everything I know about anything is of course null & void.

I’ve applied to retail places, I’ve applied at Apple as a retail store clerk, I’ve applied at places that I should have been a shoe in. But nothing has led to my obtaining gainful employment.

So here I am, unemployed, with no unemployment benefits. I’m still paying my bills by using my 401k and being eaten alive with the penalties incurred from early withdrawal of funds.

I’ve got scary amounts on my credit cards and I’ve been just trying to hold out a little longer.

Ok, maybe I’m a foolish optimist, maybe, I should have cashed out and moved to South America or Indonesia when I could live for a good long time on the cash I have, and simply checked out of the rat race.

I haven’t, I still have hope. I still believe there is a place for me in the society of my birth. Albeit I’m starting to question that belief.


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In November or December I received a notice from Anthem saying the due to Obamacare my policy was going to be cancelled.

I called Anthem and was told that due to the lateness of the notices, I had the option to extend my policy to February.

I thought “Cool” that will give the whole Obamacare rush and ensuing nightmare scheduled for January 1st, time to settle.

There were, and still are so many unknowns about the way that Obamacare is going to affect the health care industry I figured by mid February the information would be more available and I’d be better able to make an informed choice as a consumer.

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So I told the Anthem representative I wanted to take the option. The representative said “excellent”, took some additional information and we terminated the connection.

Flash forward to yesterday. A routine monthly RX was suddenly denied. The pharmacy says that I need to show them a new insurance card, which I don’t have.

I’m thinking WTF?

I do some checking and find that the Anthem automatic deduction from my checking account didn’t take place. It usually happens within a 5 day spread we’re three days past that 5 day spread.

I’d noticed the billing was late but hey it’s January and they have to be busy as hell thanks to Obamacare.

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Apparently, I’m now in an indeterminate state with my insurance. I’ve spent the past 4 hours on hold trying to reach an Anthem representative and had the call dropped 5 times.

This is not an issue I can fix on their damn web site, or via their voice recognition computer, I need a human being because something has clearly gone awry but I have no capacity to correct the problem (whatever that may be) by myself.

I did get a letter of explanation about why my original policy had been cancelled.

I apparently absolutely must have pediatric dentistry as part of the policy.

Since I have no children, I’m confused about why my health care policy was canceled to force me to add a service I will never use.

There have been reports of other single men across the country having their policies cancelled because their existing policy didn’t cover mammograms, pap smears, and other related singularly female issues.

My Anthem Dental policy recently FAILED to cover any part of a necessary treatment like a crown and refused to cover a necessary filling. But my new policy will, by God include pediatric dentistry.

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I’d already decided that I wasn’t going to do a Dental policy when I selected the Obamacare approved policy in February.

My current Dental policy was costing more yearly, than the cost of 2 cleanings and once yearly X-rays, if I were to pay for these services out of pocket.

Since it didn’t cover much in the way of other dentistry I figured why bother? I’ll shop around for a dentist on my own and we’ll figure out a reasonable price for services on our own.

I’m confused by all these required services being required in every single policy. If I were to get married I’d review my insurance policy and make appropriate changes. If I were to become a father I would again review my insurance and make necessary changes.

In point of fact, these LIFE CHANGES have always been accommodated in corporate policies regardless of open enrollment periods.

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I find myself completely confused and pissed off because Obamacare is screwing over the healthcare system. for the sake of maybe 10% of the population. But the other 90% of us are being absolutely FUCKED.

When I say FUCKED, I mean hard, fast, and dry!

When I found out there’d been a problem with my RXs, I asked the pharmacist what’s it going to cost for me to just pay for the stuff I need? The answer was astounding, $297.00!

And that is for generics!

I thought generics are supposed to be cheaper. Which led me to wonder what the “real” drugs cost. Would I be better off going to Tijuana and filling my RXs there? Or should I contact a Canadian Pharmacy and have a lovely 3 day weekend in Toronto once every six months?

OH Wait… That’s right, our FDA says the Canadian Drugs or Tijuana drugs aren’t the same, or as safe as the American versions.

Right! We’re expected to believe this in light of the defective Warfarin from China a few years ago?

Or the Oxycontin debacle, or the Indian drug company that had glass in it’s Statin products.

Or the other Indian drug company whose drugs were not at the correct concentration, or even the correct drug in some cases, or otherwise contaminated?

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The FDA is full of shit and obviously in collusion with big pharmaceutical companies. But the FDA still wants us to believe American drugs are somehow safer than their foreign counterparts.

Uh, sure, yep, I’ll believe that.

In a pigs eye!

As I move into the fifth hour on hold I find myself wondering why I, and apparently a large chunk of average American citizens are being punished to provide insurance for a relatively small portion of the overall population?

It would have been far easier, and certainly more direct for the federal government to just PAY for all coverage for that part of the population. Or the government could have required that the insurance companies pay for the uninsured population out of their obscene profits. That would have had the same effect.

Yet we have a congress that apparently passed Obamacare without reading it.

Those members of congress that did read the law, raised objections and have subsequently been painted as some evil caricature of satan because they actually did their job and questioned the far reaching impacts of the law.

Any average citizen who questions the effectiveness of Obamacare is similarly painted as a racist, GOP RWNJ (Right wing nut job), and evil beyond all of Satan’s inner circle.

Discussion of the subject is more forbidden at the holiday table than religion, politics, or the next superbowl winner.

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Many in the medical profession have been warning of massive disruptions in medical care and irrevocable changes or damage to our system that will likely leave our healthcare system in shambles.

Doctors are retiring early because they see a situation where they will not be able to provide their services without such intense government intrusion that compliance with government regulations will trump patient consideration.

I myself am once again looking at a 700 per month bill for insurance (per the conversation of December.) But my policy isn’t substantially changing.

After SIX hours in a hold queue I finally got an operator who had stuff on the ball and who was able to help me. Yeah, you read that correctly. SIX hours!

I still didn’t get all the stuff done I needed to with regard to the routine maintenance of the policy. But I was able to get the correct numbers to get the RX filled.

I’m grateful to that lady and I hope she had a great day.

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As far as the rest of it?

I’m really starting to believe that Obamacare should be terminated before the damage done to the healthcare industry is irrevocable.

Of course since I’ve said that, I’m automatically a rabid, racist, gun totin, GOP RWNJ.

Hey ultra liberals, you may want to be very careful how you paint me. I might decide to own it.