About Insurance Companies....

So recently I had a fairly minor out-patient surgery. Now don't get me wrong, even though it was minor it hurt like hell and took forever to heal (actually I still am having some residual issues). However, my point is that in the scheme of life, it was pretty minor.

So anyway, I had until this week gotten several bills for this surgery, normal stuff that I assumed I would get. Anesthesiology $400 with insurance covering over half, the bill from the doctor for his time (or whatever) $1,345, with insurance covering all but $88. Now these things I was ok with. Hell, I pay insurance, I'm not even sure why my bills were this high, but I was ok with it.

Well this week I got another bill, from the hospital. The bill was around $7,500, insurance covered a majority of it but still left $2,110 for me to pay. My question is this, why the hell do I pay a few hundred dollars a month for health insurance if they aren't going to cover a doctor recommended necessary surgery? And why the hell did the itemized bill have among several items I did not recognize, a $400 bill for anesthesiology? Am I paying for this service twice that made me sick for two days after surgery?

So here's the thing about insurance companies...they are crooks. They are crooked sneaky bastards. My parents told me that I would have to call and argue with them about the surgery and they will adjust some of the payments. My question is why do I have to do this? I pay them a few hundred dollars a month to take care of this shit for me, so that I don't have to do it. Right? No? So what the hell am I paying them for? The last few years of health insurance I was purchasing could have paid for this surgery outright if I'd put it into a savings account instead. I hate insurance companies. I hate their greediness, I hate their uselessness, I hate their policies that are meant to screw honest hard-working people out of their very little money.

I hate them, and I hate that my next week is going to be consumed on the phone going back and forth between the insurance company and the hospital trying to figure out who did what and what codes need to be changed in order for my health insurance to pay for my health issues that they are meant to be paying for.

Usually I can end my blog and still be angry, and yes this pisses me off, but right now I feel more like crying. We have just made a major life decision that requires a fair amount of money (buying a house) and then this comes along. What are we going to do?

I'm not sure, but what I am sure of is this: I hate insurance companies, I really do.

About blog backgrounds....

So here's the thing about holiday decorating, it's never too early.


I'm working on a rant, I know I've been MIA, but I'm back and I've got some stuff to say.