If you want to test your phone, or need someone to think you’re really important… Try this!

CellexplodeOkay, 

I goes without saying that the healthcare system in this country is broken, and broken badly.

It’s been this way for years and despite all the posturing and bullshit coming form the mouths of healthcare companies, insurers and our politicians nothing has been done to make it any better. Arguably, everything the government has done has made matters worse.

One of the things that you need to deal with after losing your job is health insurance.

You can go with COBRA which will drive you into the poor house if you have savings, and often will take the entirety of your unemployment benefits. So choosing between insurance, or food, light, heat, etc. most folks will choose to eat

The last time I was on COBRA, the cost was greater than my car payment, at the time I was paying for a BMW. In the case of the car I was receiving a tangible benefit. That was the car sitting in the garage.

This time around, COBRA was not only more than my car payment but it could have made 1/2 of another car payment. I declined to pay for something that had no tangible benefit where I’d still have to pay out of pocket for medications too.

So I reached out to a broker that I’d spoken with in the past and who had been able to connect me with insurance that was reasonably priced. He returned the call, but I missed him. I called him back and left a message, despite repeated messages I’ve left for him, he hasn’t called back. Can’t blame him I can’t imagine dealing with insurance all day every day.

So I thought to myself, “I surely can do some comparison shopping on the internet.”

BOY, WAS I COMPLETELY AND UTTERLY WRONG!

There was a site, that said plainly enough “Compare Quotes” I thought great! They asked for minimum information and I was expecting a table of dollar ranges. You know, something that said;

Rape & Fuckyou Health Partners Inc. $500 – $900 monthly

Fuckyou & Yourmother Medical Inc. $700 – $2500 monthly

Nutkicker Health $300 – $899 monthly

I thought that would get me in the ball park and I’d choose the lesser of the evils and then begin the arduous process of actually dealing with a slimy insurance broker.

As I stated earlier…

I was Wrong!

Within seconds of my asking for a comparison quote my phone blew the fuck up!

It was 7 am, I’m having my first cup of coffee and the person on the one call I answered was on Meth! The conversation started out as a barrage of nonstop questions. Then another call, and another call and another call and …

They’re still calling nonstop a full hour after I pressed that button expecting a nice chart of my options. Thank god TMobile allows me to block annoying phone numbers.

But I know that call waiting works!

It’s my fault.

I knew that putting in my phone number was a bad idea. But being one or two sips into my morning coffee, well my decision making process is compromised. It’s almost as bad as drunk computing…

I’m declining all these calls from Whacko numbers and cities, and they’re not leaving voicemails so I’m assuming that everyone of these people is some kind of scumbag.

I think I may have discovered the telephone equivalent of SWATTING. All you have to do is give your worst enemy’s phone number out to a few Healthcare quote sites and you can render their phone completely useless. I’ll bet if you were to do this at say 9:00 at night you could interrupt someone’s sexual escapades. I know it’s interrupted my morning routine.

On the plus side, now I know better, I know my phone works, and I’ve learned how to really annoy someone. 

On the down side i still haven’t gotten my quote.

I’m thinking I’ll look up the insurance provider I was with before I went to my last job, and see if I can just get a policy  similar to what I had before. It was okay, covered the basics and not too expensive.

Hope you all have a great day.

End of year Bullshit!

I hate CoveredCa and their demands where they seem to think I work for them. When they’re sending me a paycheck, I’ll get right on giving them all kinds of detailed information about my life. Until then I’m going to be sending my fucking money to the damn insurance company. I resent like HELL the State of California demanding shit from me instantaneously.

Tell me State of California Would you rather I spend 10 days collecting bullshit information that you’ll be automatically privy to come January, OR look for a job so that I can continue paying obscene taxes to provide services to others that I can’t access? I know the answer, you’d prefer I wasted the time. I was asking a rhetorical question.

I got message from DAN (Diver’s Alert Network) that my credit card on record is out of date. Uhhh DAN, the renewal isn’t for 6 months! I’ll worry about the issue in 6 fucking months!

Nerri.jpgADT Oh hi. Gee you’re JUST now getting around to sending me a letter telling me that the Credit card you had was expired? WOW, it’s ONLY two months after you sent me double billing and a nastygram. At the time we had a lovely telephone conversation wherein I gave you updated information and you billed me a past due month AND two months in advance. Gee Thanks!

I’m stressed enough right now without SERVICERS forgetting that They fucking work for ME, not the other way around.

Yeah, I’ve gone all Nebari again!

Insurance!

As all of us in Amerika know. It’s open enrollment for our mandated healthcare plans.

I’m not overly fond of ACA, but it did actually do some good.

According to a friend who is an actuarial, there was a net gain in the number of people who previously couldn’t get health insurance now being insured.

I don’t know if that is still the case. It was true in 2013 – 2014. However it looks like the young people that ACA is dependent on, are staying away in droves in 2015.

Anyhow, I absolutely dread open enrollment. I hate having to revisit all the plans and really do miss the days when I just paid the bill and had insurance with an 80/20% split. I paid 20% the insurance company paid 80% and it was easy to figure out what was what.

Due to changes in the other half’s employment picture and my less than stellar year freelancing, this open enrollment has been particularly stressful.

We decided that we needed help. Changes in what is being phased in and what is being phased out confused the situation so that we weren’t sure if what we were doing was actually in our best interest.

SO we went to an insurance specialist who came highly recommended. Bottom line…

WE SHOULD HAVE DONE THIS SOONER!

Part of my insurance nightmare was that there were too many cooks in the soup. This guy called all the parties on the phone and declared HE is my agent and he had the ball.

Suddenly, Covered California, and Blue Shield were working together smooth as silk. Suddenly, I was paying a bit less for the same quality plan. Now instead of having to call one person, then another, and another, and get transferred to yet someone else, I call my agent. He takes care of everything.

The other half… is suddenly paying less than half what they were paying for much better coverage.

I’m still suspicious of something being too good, too easy, or too simple. We’ll see come January if our insurance is really straightened out and everything is on track for the year.

Based on the paperwork I have in hand… It looks like it really pays to have someone who knows how Obamacare works in your pocket.

That in itself speaks volumes about Obamacare and it’s complexity.

If the Republicans succeed in gutting ACA I fear we’re all going to be horrifically screwed. The insurance system is not capable of absorbing another significant disruption. Much as I hate to say it, Obamacare is here to stay. Congress should be forced to concentrate on fixing the parts that are broken.