Tuesday, October 25, 2011

Food for thought: Insurance companies are the evil in health care.

Food for thought: Insurance companies are the evil in health care.: About our health care,what can I say,I'm 62 I've had health care thru the company I own,for thirty years I provided my employees with health...

Insurance companies are the evil in health care.

About our health care,what can I say,I'm 62 I've had health care thru the company I own,for thirty years I provided my employees with health care coverage,which my company paid for,entirely. I felt it was important to provide health care coverage,since it is so important to know if you become sick and need care,the last thing you should worry about is being able to afford your care. Well guess what the insurance industry is playing games with our care.my company has always paid for health care never late with our payments,always got a yearly increase and paid those increases,and making sure the coverage remained the same,and now that I personally need the coverage they have stuck it up my ass.

Here is my story which I'm sure most of our citizens can relate to. In May of 2011 I was diagnosed with early stage breast cancer,which was discovered after my annual mammogram. On May 10 I had a partial mastectomy. After my surgery I needed 6 weeks of radiation every day. Prior to the radiation treatments the hospital got the ok from my insurance company,and they were told by Oxford (the freedom plan) that I was 100% covered for my treatment as well as completely covered for the surgery. Ok stay with me on this, the radiation treatments began on July 1st. I had the treatments all summer up to the end of August. During this time the anniversary date came up for my policy with Oxford which was on July 1st. So I called our broker prior to the due date to make sure we renew the policy as is even though the premiums were going up again. I told the broker just renew it again and next year in 2012 we will see if we should change to another carter. So my broker renewed the policy we got the bill with the increase and continued to pay monthly for our coverage. Keep in mind that the hospital called the insurance company in June at which time they were again told with the coverage we had I was 100% covered. Well guess what,in October I received a bill from the hospital for my radiation treatment of almost three thousand dollars,stating that this is what wasn't covered,and I had to pay this amount. Well I went ballistic,I called my broker,and after back and forth with the broker I was told that Oxford,along with almost all health carriers had what is called a forced increase in the premiums,and as a result decided not to cover everything,which was news to me. I said I was never informed of this and if I was before the anniversary date I would have changed the policy to cover everything. So bottom line my broker wrote an appeal and we waiting for their decision.

This whole ordeal is has been unbelievable. How can an insurance company decide with out notification that your policy has been changed eliminating certain coverage and not covering the entire cost of my radiation which was needed to prevent the return of my cancer.

Once again you do the right thing,you pay your bills on time,you provide health insurance for your entire staff and you get fucked up the ass. When does this stop. If Obama did what he said he was going to do ie universal health care we would not have this type of situation. The insurance companies and the entire industry including the medical profession is destroying this country,and the government is allowing it to happen.

Also what came first the doctors and hospital charges that I noticed on my bill were outrageous,over sixty thousand dollars for two months of radiation,and each treatment was less than ten minutes,wow what an hourly rate,and that did not include the surgery. The insurance company paid about forty thousand,what the hell is going on. The charges are padded and the insurance industry knows this so they decided to pass the charges onto the person who needs the care. Yes once again the general public is the one who gets screwed.

Somehow this has to change people need to be treated fairly,the greed is killing us literally. Please Mr Obama if you are president again do the right thing and make sure we have the same coverage you have and we should all be covered equally,health insurance keeps people alive,unless your thoughts are well older people are to expensive to keep alive. We need help to pay for our medical treatment,either get the medical profession in line or the insurance industry, both are to blame for all of this. I would not doubt that some people in this country had their lives cut short because they could not afford to stay alive. Please help.thanks for listening.

Thursday, October 20, 2011

Food for thought: What Is Going On?

Food for thought: What Is Going On?: What is going on, yes another phrase I frequently shout out loud when listening to the news. It seems to me there is a significant increase ...

What Is Going On?

What is going on, yes another phrase I frequently shout out loud when listening to the news. It seems to me there is a significant increase in brutal murders involving families. Fathers killing their wives and young children,then themselves,mothers killing their children,and then going on tv,hysterical about their missing children. I'm sixty two years old,and I can't remember hearing so much of this type of brutality. I also can't help thinking that the stress of families falling apart,because of the horrendous financial crisis is significantly increasing this type of crime. Every person in this country,with the exception, of the most fortunate,that is the wealthy,are suffering,not knowing how to feed their children,hold on to their homes,keep their jobs ,find a job,all of this is just so overwhelming,I truly believe all of this has contributed to this type of brutal ending. When the security of food on the table,a roof over your families head, is jeapordized,the basics are no longer affordable people snap,and I think that is what is occurring today. I blame most of this on our representatives, the government in general,has stolen the way off life that we held so prescious. Their greed has destroyed the fabric of this country. They have taken away the very basic needs of the American family, all so they can profit while the rest of us lose. I believe the Corporate,and government individuals who perpetrated this whole crisis should be held accountable for their crimes, someone should be held responsible for the state we are in. I wonder how these people sleep at nite,each time they hear the horror stories,of a family being destroyed,a child murdered by a distraught mother or father how the hell do you look at yourself in the mirror and call yourself a human being. There is an old saying " What goes around comes around" do you get it. Thanks for listening.

Tuesday, September 27, 2011

Food for thought: Answer The Question

Food for thought: Answer The Question: Yes answer the Qusetion, this is a phrase I believe I I shout at my TV at least once a day if not more. One of the most frustrating situatio...

Answer The Question

Yes answer the Qusetion, this is a phrase I believe I I shout at my TV at least once a day if not more. One of the most frustrating situations I encounter involves not answering the question. I don't understand nor comprehend why it this is so difficult to do. Also it is so obvious that the individual being asked a question avoids responding by going on a tangent about nothing remotely connected to the question. I recently viewed this happening on CNN with Candy Crawley,she asked a very pointed question to a representative of the Obama administration, and his reply was so out there that Ms. Crawley just looked him straight in the eye and moved on,and this was the third time she asked the same question. I wonder doesn't the individual who is not answering the question realize how frustrating it is to listen to such garbage,and also how rude not to respond to a question. I also wondered did Mr. Obama watch this exchange,and if he did wasn't he upset with the reality of the exchange,and how unsettling it is for his constituents to listen to this. You know I ran my own business for almost thirty years,and if one of my clients asked me a question you better know I answered it, I would not want my client to walk away from our conversation wondering what I said. My dream is one day someone like Ms. Crawley will not let the person they are interviewing off the hook and demand that they answer the question,or at least put some pressure on the individual to acknowledge they did not respond to what was asked of them. You know if we answered the questions asked of us by not answering the question,either at work or at home there would be consequences. So we should somehow try and get our politicians to please answer the question, or let them pay the consequences.

Friday, September 23, 2011

Food for thought: A Peaceful Nation

Food for thought: A Peaceful Nation: I just read a comment about my last blog which was about corruption and why we are stuck paying for it,this person asked about wether people...