Bone In The Throat

Okay, 

So we all know we have to have insurance, be it auto, home, rental, or health.

The problem is, that insurance costs keep going up and the quality of their services keeps going down.

Case(s) in point. 

The miserly manner in which unemployment insurance, that we’re forced to pay for is administered. In California, they literally have a don’t call us… we’ll call you, policy. The only way to reach them is via their web page. Then they’ll call you if they feel like it, when they feel like it, and god help you if you’re unable to answer the call. You know it’s bad form to interrupt a job interview to answer a call from EDD. But you’re going to pay for your insolence… 

I recently got a quote from a healthcare provider for $795 per month. SAY WHAT?

That’s more per month than any single doctor’s visit including labs and prescriptions. A single month of insurance costs $100 more than my yearly prescription cost. I see a Doctor only once a year typically. My prescription cost has dropped since I am paying over the counter.

Yeah, figure that one out… the cost of my prescription over the counter is less than what I’d paid when I had insurance.

Doing the math, why in the living hell would I pay that kind of money?

Well here is a possible explanation.

It’s simply to make us, you know, we the people, totally dependent on some kind of government entity. Under Covered California I’d pay $77.00 per month for the same damn coverage.

The State picking up the remainder of the cost. If I go on Medi-cal then I have full coverage at no cost. Of course, the moment I get a job, or I make over a certain amount of money, Medi-cal disappears and I’m back to paying under Covered California.

This, during a time when My unemployment check isn’t covering anything more than the bare basics. Thank god I put some money away otherwise I’d already be homeless, jobless, carless, and living on the streets of San Diego, LA, or San Francisco.

But the point is this; What is the real fucking cost to insure me? You know damn well that California isn’t paying $718 a month. I’m not worth it to them. I’m the wrong fucking color and speak the wrong language.

But obviously the State is using this mechanism to create dependency on their supposed largess. I’m not generally a conspiracy theory kind of guy. There are things that make me wonder though.

In this case I wouldn’t be surprised to learn that the state is paying something. They’ll call it “Negotiated” but there is no negotiation involved. I think the more likely case is that there has been some back room bullshit where the State (meaning from a federal level all the way down to the State government has figured out that they can create and maintain a dedicated pool of voters for one party or the other.

If everyone is dependent on some kind of subsidy then voters will vote for whoever is going to give them the most. Or rather, whoever promises the most.

Medicare for example is totally protected by a rather substantial voter block and a pack of lobbyists. But it’s the tax payers that foot the bill.

I’m not suggesting that we flush Medicare, what I am saying is that it’s a sacred cow and any politician can swing that voting block their way by promising, not only to protect Medicare, but also to expand the coverage.

Consequently, medical costs go up, prescription costs go up, and the care remains the same or substandard. This creates yet another opportunity for the insurance companies to fleece the people with supplemental care policies. These policies tap into the retirement checks of our elder population and manage to literally screw retirees until they die.

The insurance companies get richer, and the average person gets poorer.

Auto insurance is starting to follow the same model. Increasing administrative costs, leading to increasing costs of repair. The cost of parts to repair your vehicle (the RAW cost) probably hasn’t increased by the same factor as the cost to insure our cars.

But the administrative costs, the repeated phone calls, the repeated appraisals on the damage, etc are driving up the cost to repair our cars. 

This has led to a philosophy on the part of the repair facilities of “Your Insurance will cover it” leading to jacked up costs and the Customer being caught in the middle.

The insurance company doesn’t want to pay, the repair facility want’s to clear your car off their lot and nobody can do anything until some appraiser gets their ass out to look at the damage. But even after the appraiser hauls their ass out tot he repair facility, they lowball the cost, and the customer ends up making multiple calls to bitch about the appraisal. 

Eventually, after enough phone calls,  the insurance company relents and approves the cost of the repairs. But meanwhile the car has been sitting on the repair lot for weeks, limiting the ability of the repair facility to turn over vehicles. This directly impacts the repair facilities bottom line.

Make no mistake, the repair facility is also paying for a variety of insurance and if they’re not making money, they can’t add employees which in turn add to the amount of insurance they can pay. 

This leads more and more people to just pay for the repairs on their own, and yet they’re still paying the insurance companies for coverage that they’re not using. 

And another branch of the insurance industry gets richer.

Like ticks on a dog, they get fatter and fatter and once the dog manages to scratch them off, then the insurance company poor mouths it, telling us all how the costs are are increasing and they need another rate increase.

What any insurance company is saying when they increase our rates is really, “We need to increase our profits.”

Like many parasites, the insurance companies are heading toward a level of un-sustainability, In living systems, this culminates in fatality for the host.

In America with insurance, we have government subsidies prior to the host death. Personally, I think we need to send a message to all of the insurance companies.

I think we all need to find a way to stop sending payments to organizations who have forgotten that they work for us and exist at our suffrage.

Dry up the insurance companies income for a couple of months and see if they don’t start singing a different tune.