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.

I guess all this work is a good thing

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My pants fit differently.

I’ve been in motion since I got here and I suppose it’s showing in my losing a little of the gut.

I could of course stand to lose a lot more of the gut but eating healthy here is a very tough thing to do.

I’ve cooked a couple of times and since I don’t load everything up with salt my efforts haven’t been necessarily well received. 

This is southern cooking at it’s saltiest, oiliest best. Even the blooming onion at Outback seemed laden with more grease than usual.

I’ve been trying to maintain some semblance of a decent diet. Making smarter food choices isn’t exactly easy here without causing someone offense.

So I keep hydrated and keep moving. I’m hoping that the increased activity will at least balance out the calories. The only way to dilute the salt inherent in everything is plenty of water.

Even then I’m sure that I’ve consumed a years supply of salt and preservatives in the past month.

NewImageGotta say there were some nice barbecue the other night. I can’t complain too loudly.That’s going to take a good 6 months to purge from my system I’m sure!

I just learned something that should never be googled. Obese Men! OMG! 

Or maybe it should be googled and when you lose your lunch you’ll think I don’t want to ever look like that!

The picture at right should reduce your desire to claw your own eyes out.

I told you not to google “obese men” did you listen? Hell no!

I don’t know if I’d recommend tending ailing parents as a weight loss routine, but as a bootcamp it might work.

I’ll rent my folks cheap!  First come first serve.

 

 

Who knew antibiotics could make you have bad dreams?

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The ritual of the sinus infection is in full swing.

I’m back on antibiotics. Yippeee!

Along with No booze, no sun, and being cold all the time. I have nightmares on this stuff.

It’s not monster nightmares or nightmares where you say to yourself “This isn’t real.” These nightmare are like slivers of an alternate universe. They’re the “almost” events that could happen. Last night in the dreams I was fighting with the partner and it was ugly. In the dream we said thing that we’d never say to each other.

Dreams like the ones I had last night mean I don’t get a decent nights rest.

It’s not as bad as the last time my sinuses were all nasty.

All things considered, I wish I’d not purchased health insurance and instead used that money on a vacation.

I find myself thinking that I really need to go diving.

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It’s counter intuitive as hell, but if you can stand the pressure changes and are smart about how deep you go so that you don’t damage your ears; SCUBA can cause a flushing of your sinuses the roto-rooter man would be impressed by.

It ain’t pretty but its effective.

If the water happens to be a Caribbean bay, so much the better.

Yes, guys, I’m giving you the justification to vacation in a warm tropical place. Call it “For your health” and you may even be able to write it off. Humm I wonder if I could get Obamacare to pay for the tickets?

I noticed that in the two years following my last Caribbean diving trip, I had zero trouble with my sinuses. I don’t know what the correlation is but I had happy sinuses.

I suspect it was due to flushing out of various contaminants that accumulate because I live in a dry dusty environment.

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I was built to be near the ocean. My whole physiology is configured for high humidity, warm water, and gentle trade-winds.

That’s another justification to force the other half to move to the tropics.

“But Honey, it’ll be good for our health, after all don’t you want another 20 or 30 years together?”, yeah right! By the time we’re 20 years into a relationship we’re ready to beg someone to shoot us.

Dive trip… That sounds like a plan!

I was Marathon Man today!

Today, I spent about 2.5 hours in a dentist chair. A filling dropped out of my head last night and my crown came in, as an early Christmas present.

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I had them do the work without anesthetic.

WHEEEEE!!!!!

I guess I like pain!

After they’d been grinding on my teeth for awhile, I couldn’t feel anything clearly. This may have resulted in a slightly high spot on the crown.

I may be going back to have it worked on a bit, but I couldn’t really tell what was going on after a while so we called it good for the time being.

My whole jaw is aching right now. That’s obscuring my ability to really sense what’s going on.

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I’m hoping a good nights sleep and letting the newness of the crown wearing off will allow everything to settle so I can get a good read on the whole mess.

My dental insurance isn’t really all that great and based on what they’ve paid for thus far I’d have been better off stashing the premium in a savings account.

The premiums I’ve paid would have paid for all the dentistry I’ve needed this year. As it is, I paid the premiums AND now I’ve had to pony up the cash for the filling and the entire crown. So I’ve essentially ended up paying double for the work.

I suspect that I’ll be looking at the same equation when my health insurance is cancelled. 

Even if some resolution comes with the health insurance debacle, I’m definitely going to cancel the dental portion of the policy.

Tomorrow is Christmas Eve 

At least I’m going to be able to eat the Christmas goodies!

Teeth problems are the worst

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In general I have pretty good teeth.

I’m very fortunate that I got teeth from a different part of the family gene pool than my Dad.

That’s the upside, well that & apparently a high pain threshold when it comes to tooth problems.

The downside is that sometimes I go along and don’t realize I’ve actually got a problem until something is very wrong.

For example, in my 20s I had a molar literally disintegrate to the gum line and I was ok with it, because there were no fillings to obstruct the degeneration there was almost no pain. It was as simple for me as brushing my teeth 3 or 4 times a day so I didn’t have nasty breath and everything was great until… a dentist saw what was going on. Then all the sudden this was a very bad thing!

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Next think I knew I was in a chair, telling the dentist that Novocain, Xylocaine and Lidocaine don’t really work for me and that I was feeling everything he was doing.

“Tut-tut, that’s not possible.” he said. Then he grabbed the messed up tooth with a big ol’ set of pliers and “crunch” the tooth that wasn’t really a big deal to me was a code red alert. The tooth material was compressed at sharp, weird angles around the nerve causing excruciating pain. In other spots the nerve which had been previously enclosed, was now exposed to the air with every breath or swallow.

Trying to find an oral surgeon in that kind of emergency is no picnic and by the way, since the bastard has you by your balls, they’ll charge you whatever they want because they know you’ll pay it even if you have insurance. At the time I was fully covered by a dental policy but that oral surgeon demanded I write a $1000 check before he’d pull the tooth.

I didn’t have a $1000 in the bank at the time. I wrote the check got him to do the work, then after I’d driven to his office and they’d sedated me is when they tell me I can’t drive home. FUCK! 

I managed to get someone to come pick me up. I slept drugged that night and when I woke up the next morning I was pissed off. I called the bank and cancelled the check. Then I called the insurance company and told the tale to them. I never heard from the dentist or the oral surgeon again.

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I did have a lawyer on standby just in case… I’ve never thought the “Marathon Man” scene should be played out in real life and I refuse to be held hostage. I remember telling the Oral surgeon “You’ll get your fucking money.” Just before he put me out, by that time it was 5 hours since the first idiot had shattered the tooth. I was extremely hostile.

Flash forward into my forties and I’m at work, sitting at my desk nursing a cold or so I thought.

Turns out I was grey (Showing my Alien heritage I guess, it’s ashamed that I didn’t get the big brain and telepathic abilities, sigh.)

One of my co-workers suggested that I might want to go see a dentist since the cold/sinus infection was lasting such a long time.

After some thought, I gave my dentist (A good guy) a call and they arranged to see me immediately. After 1 X-ray, and a whistle of surprise from the dentist I’m under the drill.

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There was actually a hiss of gas escaping when the top of that tooth came off. 

I immediately felt better. It was like a switch being thrown.

The dentist hit me with another pain shot and in the 3 minutes it took him to go prep for the root canal, I fell asleep right there in the chair. I was just exhausted!

I left that dentist because they started bringing in newbie dentists who honestly weren’t up to par. The last dentist I saw there was a woman who didn’t understand when a guy tells you KEEP DRILLING! FINISH IT! I can take the pain, just don’t back off. Uhh, girly, WE FREAKIN MEAN IT! That filling has never been right and I refused to go back.

There have been other dentists too. There was the gay dentist in Long Beach, he was ok but had a staff that was less than easy to deal with.

His assistant whom I referred to as Nurse Ratchet couldn’t seem to get that a filling they’d done was higher than it should have been and that I grind my teeth at night.

She ground it down a bit but wouldn’t go get the dentist. I think by that time I may have already broken the tooth from grinding at night.

She was probably panicked but she could have gotten the dentist. She could have told me what was up. Instead she dismissed me like I was yesterdays fish.

Which led me to question the quality of care I was receiving, and led me to my favorite dentist.

My favorite dentist recently retired.

She sold the practice to a nice enough young guy, who’s done all kinds of upgrades and has hygienists, and assistants, and office people running all over the place.

He’s doing the typical “Dentist” thing, letting the staff do most of the work and then he checks stuff maybe does a filling or whatever, then is gone. 

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My old dentist had one assistant. Her husband manned the front desk after he retired from his first career.

She did all the work herself. I drove 75 miles to see her because she did all the work and she listened.

In the 4 years I saw her, she never had to use anesthetic on me. She did several fillings and we had no problem.

Flash forward into my 50s and the tooth in the same position, on the other side of my head is acting, well weird.

Since the new guy was just like all the other “Factory” dentists today. I came to the conclusion that I didn’t need to drive 75 miles or pay outrageously high prices to have work done.

So I’ve found a new dentist. The office is a FACTORY! 10 chairs, people running all over the place, patients waiting, children running up & down the place. You know, chaos!

I went in to find out what’s up with the tooth that’s bugging me. This dentist comes highly recommended and has a good chair side manner.

It turns out the tooth is cracked and needs a crown. The dentists website said they could do this stuff while you wait.

Apparently not, instead they did an exam, cleaning, and were being really cagy about the costs. I just want the damn problem fixed! Give me an estimate and then I’ll make a decision.

Oh no! we have to do this fucking dance.

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The price they finally quoted me was better than the first guy.

But then I find out my dental insurance doesn’t cover the crown, (Fine by me) but for the dentist staff apparently that was a problem.

They hand me a bunch of paperwork which leads you to believe that the dentist will work with you.

I’m thinking I can scrape together about half of the bill and figure if the dude could give me 90 days I can pay the other half. So I’m thinking great that’ll work.

Except that’s not the way they do things. They direct me to a credit card company…

Yep, you read that right, a medical credit card.

This card also works for Vet bills too, I think that’s an interesting connection. I may have to start taking the dogs drugs.

I haven’t worked in 2 years I hardly think a credit card company is going to say, “Sure! Lets give you a credit card.” 

Really? I’m trying to not run up credit bills. I don’t want more credit cards. I’ve been closing accounts.

Why? Because I’m over paying interest and living above my means. I know absolutely where that leads and I don’t want to do it anymore. (I’ll have a credit card, because in an emergency it could be a lifesaver. I’m just not looking for 80 lines of credit.)

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But the dentist wants his money before he begins treatment.

This tooth ain’t getting any happier, and I don’t want to go through the exam dance with yet another dentist to get an estimate.

I guess I’ll call this an emergency and charge it. On one of my emergency cards.

I just find myself asking the same question I’ve been asking for years. Why is medical care so damn expensive?

If ever the government could have stepped in to make a real difference in our lives it would have been by finding out what the REAL cost of care is.

Then publish those costs and let the consumer decide.

As an example, the cost difference between my new dentist and the guy my old dentist sold her practice to, is $450. Yep, same procedure, same everything but $450 less at the new dentist.

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That’s the question the government should have been answering. Why is there such a variance and is it justified?

I guarantee the prices would have gone down if the consumer had some guide about the real costs of time, materials, and treatment.

With this kind of information, a consumer could tell a doctor their quoted costs are way out of line.

Which means Medics would have to compete, not just live under the yoke of government or private insurance providers.

As a point of interest, I’d probably have had a pricing discussion with my old dentist.

I’d have told her flat out $1700 is way too much. We’d have negotiated a solution, even if the solution was a bit higher priced than going to a “Factory” setting. There’s something to be said for paying a higher price for really personal care.

But you can’t have that kind of discussion with the office staff, they’re just following orders aren’t they?

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I’m going to be in a dentists chair for a while in the near future. 

I’ll be counting the individual pains and annoyances then I’ll divide the price I’m paying by the number of pains to figure out how much I could charge a masochist for an hour of pain.

Hey, if you think about it, it’s a great way to price out BDSM services!

I know you didn’t see that coming…

Have a great day.