Tweet
FacebookF@#$ 
f@#$ f@#$ f@#$ f@#$ f@#$ f@#$ f@#$ f@#$ f@#$ f@#$ f@#$ f@#$ .
I thought that would make me feel a little better but it does not.
My insurance tried to screwing me over (again) and I thought a good string of expletives would help me feel better. Unfortunately cursing is like bailing out GM–a lot of big words with little results. I can’t tell you how much I hate the insurance business–I must’ve written about it a dozen times now. Whenever I start talking about insurance at home, The Wife immediately tries to calm me in soothing voice because she knows I’m about to go off. That’s because insurance is a scam–a complete and total useless scam. You pay for services you never receive; you have to pay for the expensive stuff out of you pocket. It’s utterly useless. Either that or I have the world’s worst health insurance.
I’m on Expensivcine and my insurance won’t cover it. Well, they think they do–but in actuality, they don’t cover it. My insurance only covers generic medicine. If I opt to buy the brand-name version, I hafta buy it at full retail price until I reach $150. The insurance will cover the amount spent after $150…as long as I’m willing to pay a $25 copay. Since a 30-day supply of Expensivcine retails for $158 and a generic isn’t availble, I’m shit out of luck.
But I’ve noticed my symptoms aren’t as bad as they use to be and thought maybe I could get by with a different medication. My doctor prescribed something else for me–a medication that’s available as a generic–that isn’t as effective as Expensivcine. I figured it was worth a shot because the copay would only be $10. A year’s supply of Genericine would cost less than a month of Expensivcine.
But it’s just not that easy. It’s never that easy. Why? Because insurance companies like to you! My insurance would not approve a prescription of generic Genericine. According to the pharmacist, Genericine is expensive (“about $150”) and insurance companies don’t like to pay for drugs that are that expensive…even though they’re perfectly fine letting me pay $158 for Expensivcine. So when it comes to MY money, they’ll gladly “cover” anything. But when they hafta pay for it, it’s something they won’t approve of.
So I get on the horn to bark at my insurance company and I get this tidbit of wisdom: “certain” drugs (e.g., expensive) are not automatically approved of by the insurance. “Certain” drugs are only approved after “alternate” drugs (e.g., cheap) prove to be unsuccessful. Somehow, someway, in the mind of my insurance, this second-rate drug that retails for less than Expensivcine is considered an upgrade. Even though Expensivcine is a more effective drug, even though Expensivcine is more expensive, the insurance views generic Genericine as an elite, upgrade drug because they have to pay for it!!!! Isn’t that the whole purpose of insurance–so they can pay the bill?
Silly me–of course not–the sole purpose of insurance is to make money.
I’m at a loss here. Why am I throwing my money away with this company? Nothing gets covered. The deductibles are unreasonable. The service is lousy. We’ve already seen the banking industry collapse. I’d like to see the insurance business go next. It’s the same damn thing–a shell game of bureaucratic red tape and useless procedures. As soon as people start to wise up, insurance is gone, man. Or at least it should be. Unfortunately for my own sense of satisfaction, the health insurance industry will never go away because they’re raking in cash hand over fist. ers!
I’ve been skimping on the Expensivcine because I know it’s expensive. Instead of taking it seven days a week, I only use it three times. If it cost the insurance company $150 a month for Genericine, you can bet your ass I’m getting that refilled every 30 days–even if I gotta flush the pills down the toilet. I would love to see those bastards pay for something they don’t want–I can’t think of anything that’ll make me happier.