Posts Tagged ‘Health Insurance USA’

Shopping for Health Insurance in America

March 29, 2012

My senator, Mark Kirk, had a stroke about 2 months ago.  He is still in the hospital. Not in a nursing home, or a convalescent center—but the hospital. He has excellent health insurance.    Why wouldn’t he?  He is an elite in America .  I want what he has.

He is one of those people who has health insurance— passing judgement on how the rest of us should  have health insurance. So are all the journalists who write for newspapers & magazines.  Seems the one thing they haven’t thought about  (in the age of  Obamacare—as the insurance portability act is being called), is…if we have to BUY  health insurance (and we can’t all be part of Medicare), who regulates what the insurance companies charge?

Here’s what happened to me when I  got my homeowner’s insurance renewal:  it went up 25%. The company, Farmer’s, claims the replacement cost of my house went up.  Maybe—but what more likely  happened is that so many homes are in foreclosure, that fewer home owners are buying insurance (see—to get a mortgage—you must have replacement insurance—usually called fire & casualty).  The  mortgage holders—the banks, don’t have to insure the  buildings they’ve foreclosed on—-so  the rest of us have to make up the profits the  companies are losing.

Same with health insurance.  You want to know why America s think liabilities are ‘toxic assets’ Assurant Health raises my health insurance premiums every 2 years by about 30%—then, tells me they are giving me a discount of 10% for  answering some questions. No joke!  I even have a letter from them.  They have to keep their profits, of course.  In this reality, shareholders are much much more important than people needing  insurance.

So,  stupid me, I shopped for health insurance on where  they tease you by having you answer a bunch of questions, tell you  that you qualify for a plan that costs $150 per month, & then…. you click &  suddenly it’s more complicated.  I answered all the questions, but  they wanted  confidential health records.

Ok, I call my physician, whose practice got taken over by a huge company:  Northshore University Health Systems, and the people in the office tell me I have to  fill out a waiver.  I have to  let my confidential records be tossed around.   I ask them to fax it to me at work (I don’t have a fax @ home—so they fax me where I work), I fill it out, fax it back (Feb.16)…& a few days later, someone from     calls me to tell me they haven’t gotten my records yet. I tell them I just made the request to my  doctor’s office, & the representative tells me it might take a few days.  Not to worry.

Then, on March 8, I got an email, telling me they ( haven’t gotten my health records yet(but it’s not really but Untied Healthcare, so, I  AGAIN called my  doctor’s practice, and  I am told they will go out in the next day or so.  But them, March 19, I got another  email from  (still ,    United Healthcare )  telling me they are closing my application.  HOWEVER, I call them, & they tell me I actually have to call their underwriter. It’s not like they won’t sell me insurance.

The next day, March 20,  I was a judge of election (primary—14 hours of nothing, but can’t yammer on the phone),  I could not call, but when I got home, I  had a letter from the UNDERWRITER telling me they could not provide me with insurance.  I call Golden Rule– the underwriter—-&  it turns out they have a company that actually receives this CONFIDENTAIL information:  RSA medical.  So I had to call RSA.

But not only that—-it turns out my  doctor’s practice doesn’t send out the information, either:  they give my (YOUR)  confidential medical records to a company called  HEALTHPORT.

So, RSA tells me that they’ve been calling & calling Healthport, and have not been getting any response. So I call my doctor’s practice manager. She tells me she will look into this.  She calls me back. The reason Healthport is not responding to RSA is that they are waiting to get paid!  Huh?  So—if you want to get paid, how about responding & telling RSA you want to get paid!

& this—apparently—is—beside the profits the insurance companies must make for their stock holders—part of the reason health insurance is expensive:  so many people involved—ALL WITH HEALTH INSURANCE—-who  can’t  manage to communicate with each other…& deciding whether YOU get health insurance.

Damn straight—I don’t think this part of  Obamacare makes any sense. We wanted single payer, & we got this.  There is no logical reason I (or YOU) shouldn’t have the same  great medical insurance that Sen. Mark Kirk has…except the wars, & giving food aid to North Korea (so they can disrespect us & launch rockets instead of feeding their people).

If we must buy insurance—we must pay what the sellers want us to pay.  I’d go without, but I own a home, & have a few assets. My net worth is about $500,00. Any catastrophe, &  I am living in a tent.  They have us by the short hairs…as they say.

What’s interesting to me is that all the billionaires who claim to be progressive have not come up with a NON-PROFIT (Blue Cross? Don’t make me laugh) health insurance company based overseas—like everything else, which wouldn’t cost more than 1/2 a day’s pay.