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.

Item Six

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?

Lets ride the Obamacare merry-go-round again!

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I swear, A LOT!

Especially when I’m having to deal with the complete and utter Bullshit that Obamacare is causing in average folks lives.

But I really start swearing when I’m having to clean up the mess Obamacare has introduced into my nice neat life. For the second time in less than a month it appears that my insurance is in an indeterminate state.

The primary hitch seems to be in the prescription coverage.

I spoke to a nice young lady a few weeks ago and she gave me the proper string of numbers and letters to have a prescription filled. I found out today that string of letters and numbers doesn’t work anymore.

Which loops me back to the problem that I was trying to solve several weeks ago that required me being on hold for 5 hours or so.

At the time I asked the nice young lady if there was a problem with my policy. She said nope, you’re paid up until March.

Uhh, it’s Feb 3rd and apparently there is something wrong with my insurance.

I’ve now been on hold for another hour and aside from the same repeating loop of music and a female voice saying,

“All agents are still assisting other callers please continue to hold and your call will be answered as soon as possible.  Thank you for your patience.”

Nothing much has changed.

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As I sit here on hold I realized that if someone was trying to sort out this problem from their place of employment, they’d have to take a day off from work.

Think about the people in retail or the waiters and waitresses. Do you think their employers would accept the fact that they need to be on hold for hours on end just to sort out getting a prescription for their sick child?

Why should I as an independent business person have to ignore my clients and not get any work done because I’m dealing with Obamacare or the ramifications of Obamacare?

Does all this lost time get factored into the cost equations of implementing Obamacare? It should!

The boondoggle of Obamacare is not only canceling insurance for people that were previously insured, it’s creating a backlog of clients like myself who cannot get assistance when they need it.

People signing up doesn’t mean jack shit if those people can’t actually access the policy or services that they’ve bought and paid for.

Sarah Palin was wrong, there won’t be death panels.

There will simply be people dying of neglect. If you’d like to see how that plays out I suggest that you get hold of a movie called “The Hospital” sorry it’s not available on Netflix.  The movie has, George C Scott, Diana Rigg, Barnard Hughes, and Richard Dysart. It was made in 1971. The blurb on IMDB doesn’t sound like much but it’s really well done.

Well this time, it turns out the computers cancelled me on Jan 1st.

Might have been bloody nice if they’d told me I was cancelled. Of course that cancellation wasn’t supposed to have happened. Then again neither was my migration to another policy that wouldn’t have taken effect until March of this year, leaving me with no coverage for 2 months.

Again it would have been really nice if the insurance company had, oh… I don’t know, MENTIONED something to me about it.

Instead my only indications were that I suddenly didn’t have prescriptions coverage. Thank God I didn’t need to go to a hospital.

All this has been absolutely wonderful raising my blood pressure.

Everything is sorted out until Feb 15th When I get to go through another enrollment process and figure out if I’m eligible for subsidies.

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Subsidies?!?!? to pay a bill that I was capable of paying without assistance before Obamacare. I’m very confused about that. After all where does the money for subsidies come from?

Oh yeah from our tax dollars.

I guess this is what redistribution of wealth looks like.