My Schrödinger’s Insurance policy

Seems to be my lot in life, my insurance is always a pain in the butt.

I switched to a provider that supposedly has a real PPO instead of the Bullshit PPO that was really an EPO my previous insurance provider was selling.

I’m not getting a good feeling. The policy was supposed to have taken effect on Jan 1 but as of Jan 19th I still had no insurance cards, and no paper communication from them. 

Do I have a policy at all? They took my money.

I called them and found out BIG SURPRISE I apparently have Schrödinger’s insurance policy.

I’m not surprised at all. The universe seems to like to play with me and insurance policies. Normally this wouldn’t be a problem except that I was trying to have a prescription filled.

I think I’m playing the part of THE CAT in this experiment! 

After an hour on the phone, many assurances, apologies, and stressing my jinglish translation capabilities… I think it’s straightened out. Either that or I’ve initiated 3 additional policies and purchased 4 cats.

I was able to pick up the prescription so that represents at least a little progress.

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In the Misrepresentation Category 

There is still the matter of the previous Insurance and policy that has declined to pay for anything except routine prescriptions. This is the policy that was sold as a PPO but it’s actually an EPO, or perhaps an HMO. I call it a NOMO (No Medical Organization). 

This policy was supposed to include a once a year physical at no cost to me. They’re refusing to pay any part of that routine physical and FYI the cost of my annual physical this year is well under $1000  

The funny thing about it is this. The cost of the physical and labs is $100 LESS than a single monthly payment which I faithfully paid them throughout the year.

It turns out I can mathematically I can prove that for at least last year, I would have been better off without insurance at all.

I saw my doctor exactly once. I’m guessing that the Insurance company made about $300 profit from me each month.

I’m hoping that the folks associated with this rip off plan burn for a while in the fires of hell. Not because of me, per se.  

It’s all those little old folks that purchased this bullshit policy in good faith and then ended up screwed because their medical costs quickly spiraled out of control. I’m lucky in that I’m pretty healthy, but what about those other folks that aren’t?

I know that the legal system can’t punish these executives I can hope that a higher power does.