Category: Insurance

Okay, 

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.