You know, I’m beginning to think this is all a SCAM

Healthcare Insurance Logos

Welcome to Open Enrollment! Your ACA plan is serving you… UP!

As I’ve chronicled over the past year I’ve been involved with a nightmare called Anthem Blue Cross of California.

A month or two ago I was told that I’d have to wait for open enrollment to change my health care, I’m still not even sure how that works, or how they think that is going to work. I can change my health care any time I want to, ALL I have to do is not pay the bill!

And speaking of bills… I understood having open enrollment periods when I was working for a corporation. That makes sense, it tends to allow the company to budget their expenses and keeps the employees from jumping healthcare providers each time they don’t like something.

HealthInsurance Marketplace

However, since I’m paying the bill, I’m the one buying the goods or in this case services, why do I have to screw around with open enrollment at all?

caduceus

Technically, as a consumer of the insurance service, I am the Insurance company’s employer. As such, I ultimately have the capacity (Or I would in a non-socialist country…)  to hire and fire a poor provider at will. Oh yeah, but NOT under Obamacare.


Anyway, I’m shopping.

I can’t see myself putting up with more of the same from Anthem and not being able to see my primary care physician, (Even though they said I could. Then when I found that I couldn’t, they told me he must have dropped out of their network. But I have a PPO plan, networks are irrelevant… Well apparently it’s not really a PPO and My Doctor was NEVER in the plan they sold me). Or not being able to find a dermatologist. (And neither could they within 90 miles of my location.

Assurant

You see, I’ve been paying through the nose for a policy that was at best only a catastrophic plan with prescription coverage because none of the doctors I wanted to see were in fact accepting the Anthem Pseudo- PPO. I could have saved about 1/2 of my medical costs per month by just having a catastrophic care plan, and paying for everything else out of pocket which is essentially what I’m doing anyway.  By the way, a catastrophic plan is one of the options I’m looking into.

Under the “Won’t get fooled again” premise I’m trying to compare companies based on how they’re rated by consumers. As I’ve been sorting through the data I’ve discovered a couple of interesting things. 

NewHealthinsurance Marketplace2

1) Of five companies I’ve checked on thus far, only two will allow me to purchase their policies based on my zip code.

All of these companies appear to service California but apparently they don’t all service the county in which I live.  

Sorry folks I’m an all or nothing kind of guy. If you’re selectively insuring counties that means that technically I can’t move from one county to another until the next open enrollment period. Doesn’t that also mean that when I drive across county lines, I’m out of network? Either you sell in all of California or don’t sell at all. 

I recall speaking to some insurance agent last year. That person said that even though I could purchase their insurance policy, AND that my Doctor was in their network, AND that the policy and my doctor were compatible, I still would be unable to see my doctor. Their explanation for this was that since my doctor and I were in different counties, he would be considered “Out of Network”. I seem to recall not purchasing that particular policy.

2) I can’t narrow down if my county theory is correct without requesting a quote from each possible provider — this is significantly slowing down the shopping process.

More Logos

The upshot of all of this is that insurance shopping, which was always painful, has now become 100 fold more painful because there is no simple way to sort through the data to compare stuff. I have noticed that every policy seems to have an ACA metallic moniker;

Bronze, Silver, Tin, Rusted Iron, Busted Galvanized Pipe, Copper, Pyrite…

All of which mean the same damn thing…

I’m beginning to think we have no choice in policies, just a choice in the company administering them. 

In dealing with all of this bullcrap, I think that I’d rather pound my own testicles with a sledgehammer, (1000 FemNazis just came in their jeans) than shop for health insurance!

I just don’t think I have medical coverage for that…

Are people getting more stupid?

Driving Salute

I find myself asking that question a lot more than I used to.

When I’m out and about interacting with people I’m often struck by the complete and utter moronic behavior so many people display.

From the idiot forcing his way into traffic to get one car length ahead, completely oblivious to the fact that he just put 30 other people at risk.

To the impatient crazy lady in a parking lot who wants the parking space you’re attempting to vacate, but who has positioned her car in such a way that you can’t back out.

People are apparently getting more stupid by the moment.

The catalyst for me writing about this is what I witnessed at a busy Starbucks the other day. 

The situation was this:

A young lady was obviously doing her homework, she had he computer out, a book and several papers scattered on a table she was sitting at.

Her boyfriend had just left. Based on the snippet of conversation between them I think he had a class. As he was leaving he picked up the young lady’s purse and backpack then placed these items on the chair he was vacating. 

The young lady was hispanic and reminded me a bit of my niece.

She plugged a set of headphones into her computer and was listening to music while she was reading a large textbook and taking notes. I wouldn’t say she was completely oblivious to her surroundings but she was very focused on what she was doing.

Clueless

After 10 or 15 minutes, a tall white blond woman walked over to the young lady’s table and without saying a word or attempting to get the young student’s attention, moved the girls backpack and purse to the floor and started to take the chair out onto the patio.

This startled the young student and honestly pissed me off.

So… well, I made a scene!

I pointed out to Blondie that she was completely in the wrong. That it was customary to ask if someone was using a chair before taking it, and that she was demonstrating the height of rudeness.

I went on to point out, had Blondie been sitting at the table and a hispanic person touched her stuff, she’d have been on the phone to 911 claiming that the hispanic person was trying to steal her purse.

At this point several other students of various ethnic origins were looking at Blondie who was very embarrassed and trying to explain herself. These folks were looking at me too, but with kindness and shaking their heads in agreement. 

Spun Up

I was pretty angry, I guess the violation of good manners and politeness on the part of Blondie really touched a nerve. I was about to really read this woman the riot act when there was a gentle hand on my shoulder.

The young student smiled and said, “It’s ok she can have the chair, thank you for speaking up.”

I nodded, quieted by this classy young lady’s kindness. 

Blondie slowly went out to the patio carrying her hard won chair.

Once there, she had a very animated conversation with another woman. There was a lot of pointing at me involved in that conversation.

I was trying to figure out why I was so annoyed. I suppose part of it was the student’s similarity to my niece. But I think a larger part of it was that the Blond woman just acted so entitled, like the young lady wasn’t important.

The blond lady demonstrated the absolute worst behavior, I don’t think it was racially motivated I think she simply was a thoughtless rude bitch.

But context is everything. Maybe it was racist, maybe the blond lady, like myself is simply tired of being called a racist at every turn and she’s generically rude to everyone.

Civics Textbook

As I was driving away I was thinking perhaps many of the problems we have in this country aren’t actually racially rooted, but instead are side effects of really poor manners and lack of respect for others.

Somewhere, there is a 8th grade Civics teacher laughing her ass off. Because in the 8th grade I was the little heathen she was trying to smack into shape.

Yeah, when I was in the 8th grade we had Civics, which was a lot more than the political aspects of living in our society. We were taught manners, and the basics of ethics, fair play, and how to be generally decent to each other. 

I don’t remember the teacher’s name, But I do remember her threatening to fail my sorry ass if I didn’t get with the program. My parents had already done a very good job of teaching me manners, right vs. wrong, etc. But for some reason in that Civics class I was a complete animal. 

I think perhaps we need to bring back those classes. 

Ahhh!

Dentist1

I started Veterans day off in a dentist chair.

Yeah, no big deal… I had an old filling fall out, the new dentist is freaking AWESOME!

I lost the filling on Thursday, no pain just needed to have it repaired. I called Friday morning, explained it wasn’t painful, just annoying.

I was asked if I could wait until Tuesday. I said sure, no problem and was told if I felt pain to let them know and they’d see me sooner.

I was good, yesterday I popped in for my appointment,  got comfortable and after a small consulting period was good to go. I told the dentist that I probably wouldn’t need any drugs unless he had to go deep. He told me he didn’t think I’d need anything either. 

40 Minutes later I’m walking out the door new filling in place, all polished and natural looking. 

I couldn’t ask for any better treatment.

If you’re in the Inland Empire…

Dentist stickman

Don’t ask any questions, don’t bother looking for another dentist, just call Winning Smiles and put yourself in Dr. Finazzo’s awesome care. 

This is totally a no brainer folks. Great staff, great service, and no pain.

As many of you know, I’m a picky bastard about medical care. If I’m singing someone’s praises you can bet your ass, the Doctor is good.

No this is NOT a paid advertisement.  If there was payment involved, I’d be doing a lot more gushing!

 

Veterans Day

VeteranHug

Thank you to all Veterans, 

Thank you for your sacrifice, dedication, and general awesomeness. 

Special thanks to my Brother. You Rock!

VeteranHug2

Everyone, hug your favorite Veteran today.

Spend good family time and just let our veterans know that they’re loved and appreciated.

Be good to each other & have a great day

Happy Birthday USMC!

Marine Globe n Anchor

Happy Birthday!

Thank you USMC for all that you do so that I sleep soundly at night.

Those Marines going to the Ball… Have fun, Be safe, and if you have too much to drink, call a buddy, or cab.

Those of you that know me, I’ll come pick you up.

Be on notice, if you hurl down the side of my car, You’re going to be hand washing and waxing it in your boxers come morning. 

Big Hug & All the best