health insurance is a fucking joke - GoFuckYourself.com

96ukssob · 09-23-2010, 01:58 PM

$300/mo for some health insurance that is impossible to use. I've been waiting over a month now for two prescriptions (one for Nexium for acid reflux and another for an allergy medicine).

Insurance company required that the doctor send in a pre-authorization form. Done. Three weeks later after failed attempts to pick it up, they say they need some other form from the doctor because no generics are available. Done. Past two weeks I'm on the phone with them today and they say "we need another form filled out and we will fax it to their office tomorrow"

REALLY? Meanwhile they said for me to just buy the Rx and I can submit a claim but (and this is what the lady told me) it wont go through and I wont get my money back because it was not authorized at the time.

Fucks sake, this is ridiculous and I have to sit and wait because I can't even buy the Rx anymore because it was past the 10 days to pick it up

Sly · 09-23-2010, 02:01 PM

Is your insurance company called ePassporte?

Please submit more documents, bitch!

Jdoughs · 09-23-2010, 02:03 PM

Quote:

Originally Posted by Sly

Is your insurance company called ePassporte?

Please submit more documents, bitch!

Those meds were covered under your 'Virtual' insurance. It is not available at this time.

OneHungLo · 09-23-2010, 02:04 PM

What insurance company is that?

I've been paying for my own health insurance for about 12 years and I've only used to 2 or 3 times but whenever i needed any type of medicine I just went to the DR and he cut me a prescription...I never had to wait.

BTW, I have Blue Cross and Blue Shield PPO.

IllTestYourGirls · 09-23-2010, 02:04 PM

Health insurance is just out right wrong. Good thing the United States is forcing its citizens to buy a product that is directly related to the massive problem in our health care system.

sperbonzo · 09-23-2010, 02:30 PM

Quote:

Originally Posted by OneHungLo

What insurance company is that?

I've been paying for my own health insurance for about 12 years and I've only used to 2 or 3 times but whenever i needed any type of medicine I just went to the DR and he cut me a prescription...I never had to wait.

BTW, I have Blue Cross and Blue Shield PPO.

I'm with the same company and I've had the same experience. No problems at all.

.

TheSenator · 09-23-2010, 02:33 PM

Quote:

Originally Posted by IllTestYourGirls

Health insurance is just out right wrong. Good thing the United States is forcing its citizens to buy a product that is directly related to the massive problem in our health care system.

On point

tiger · 09-23-2010, 04:06 PM

Quote:

Originally Posted by IllTestYourGirls

Health insurance is just out right wrong. Good thing the United States is forcing its citizens to buy a product that is directly related to the massive problem in our health care system.

How else would people pay for things like cancer treatments and heart surgery without insurance? Just one set of lab tests can easily run you in the thousands. If you are actually hospitalized time to go bankrupt.

GregE · 09-23-2010, 04:22 PM

Here's hoping that they relent and finally spring for your meds.

Private insurance sucks. Single payer, like the rest of the civilized world has, is the way to go.

Failing that, we should go back to what we had before Obama.

This business of mandating citizens to purchase overpriced health insurance from the same crooked companies that have in the past quite literally murdered people is beyond fucked up.

Chris · 09-23-2010, 04:26 PM

i wish they would let me pay 300$ a month for insurance

i cant get anyone to even accept me ;/

IllTestYourGirls · 09-23-2010, 04:44 PM

Quote:

Originally Posted by tiger

How else would people pay for things like cancer treatments and heart surgery without insurance? Just one set of lab tests can easily run you in the thousands. If you are actually hospitalized time to go bankrupt.

If you got rid of insurance the costs would drastically go down.

icymelon · 09-23-2010, 05:09 PM

maybe its time for a different insurance company you could go with a cheaper plan and then just pay for the meds yourself. its the real expensive stuff that you need insurance for.

GatorB · 09-23-2010, 05:13 PM

Quote:

Originally Posted by bossku69

$300/mo for some health insurance that is impossible to use. I've been waiting over a month now for two prescriptions (one for Nexium for acid reflux and another for an allergy medicine).

Insurance company required that the doctor send in a pre-authorization form. Done. Three weeks later after failed attempts to pick it up, they say they need some other form from the doctor because no generics are available. Done. Past two weeks I'm on the phone with them today and they say "we need another form filled out and we will fax it to their office tomorrow"

REALLY? Meanwhile they said for me to just buy the Rx and I can submit a claim but (and this is what the lady told me) it wont go through and I wont get my money back because it was not authorized at the time.

Fucks sake, this is ridiculous and I have to sit and wait because I can't even buy the Rx anymore because it was past the 10 days to pick it up

And if the GOP takes over and repeals "Obamcare" expect things to get even worse. If the GOP has to decide who to cater to; the average American or the insurance and pharmicudical companies which side do you think they'll choose?

SallyRand · 09-23-2010, 05:16 PM

Your insurance is in motion and damned sure keeping YOU in motion trying to get something done!

Just sayin'.

Sally.

Coup · 09-23-2010, 05:21 PM

IllTestYourGirls · 09-23-2010, 05:24 PM

Quote:

Originally Posted by GatorB

And if the GOP takes over and repeals "Obamcare" expect things to get even worse. If the GOP has to decide who to cater to; the average American or the insurance and pharmicudical companies which side do you think they'll choose?

Undoing Obama care will undo the back room deals that Obama made with big pharm and big insurance. New studies have found that health care costs will now grow at a faster pace under the health care bill than if nothing was done at all.

Overload · 09-23-2010, 05:36 PM

... only in america ... fuck, go on hols in CUBA and you get better and faster med treats

(even your 9-11 firemen heroes got treated there - BETTER than they were treated in their HOME country) ... the US and health care = 3rd world country

GregE · 09-23-2010, 05:52 PM

Quote:

Originally Posted by IllTestYourGirls

If you got rid of insurance the costs would drastically go down.

I don't know how much you have sitting around in your checking account, but I don't see costs for that kind of shit going down enough to be covered out of pocket by anyone I know.

Having said that, I still maintain that mandating the purchase of health insurance from private companies is wrong.

Spunky · 09-23-2010, 06:23 PM

50 bucks a month and all the free healthcare I need

Supz · 09-23-2010, 06:25 PM

That is not insurance, that is just shitty insurance. I have my doctor call in Rx all the time and I just go pick them up, no matter what it is.

Aetna

AmeliaG · 09-23-2010, 07:28 PM

That sucks about your insurance, bossku69.

The US government permits big business to buy big business insurance with massive tax breaks (versus if they just properly paid the workers and let them manage their own earnings.) Most workers still have copays of one sort or another and amounts deducted from their paycheck above and beyond employer contribution.

If you add up all the money that is spent on insurance for an average American family over a lifetime, even if every single member needs something major like cancer care of heart surgery or kidney transplants, the overall cost for all that insurance plus employee contribs will still equal more than just the family's medical care alone.

Argos88 · 09-23-2010, 10:11 PM

Lol, I have similar problems with my health insurance and it's damn expensive...

I may swtich over to another one soon.

Health insurances are doing a lot of money, they are one of the biggest business right now in the western world. Along with Pharmaceutics...

.

tiger · 09-23-2010, 10:26 PM

Quote:

Originally Posted by IllTestYourGirls

Undoing Obama care will undo the back room deals that Obama made with big pharm and big insurance. New studies have found that health care costs will now grow at a faster pace under the health care bill than if nothing was done at all.

So for example lets say you need 100k worth of treatment. You think that would go down to what say 50K or 50% or what? I still don't see the average person being able to pay 20k-50k for a semi major surgery/hospitalization and that is assuming costs would go down by 50-80%. I agree with the costs being ridiculously high. But you can go to Mexico and get insurance that covers 100% of everything for about 300 bucks per year and I mean a real 100% not with the BS fine print insurance companies get away with here. It's not just the insurance that drives up costs and its completely possible to have insurance and reasonable medical costs.

09-23-2010, 01:58 PM	#1
96ukssob So Fucking Banananananas Industry Role: Join Date: Mar 2003 Location: If I was in your ass you'd know it Posts: 12,991	health insurance is a fucking joke $300/mo for some health insurance that is impossible to use. I've been waiting over a month now for two prescriptions (one for Nexium for acid reflux and another for an allergy medicine). Insurance company required that the doctor send in a pre-authorization form. Done. Three weeks later after failed attempts to pick it up, they say they need some other form from the doctor because no generics are available. Done. Past two weeks I'm on the phone with them today and they say "we need another form filled out and we will fax it to their office tomorrow" REALLY? Meanwhile they said for me to just buy the Rx and I can submit a claim but (and this is what the lady told me) it wont go through and I wont get my money back because it was not authorized at the time. Fucks sake, this is ridiculous and I have to sit and wait because I can't even buy the Rx anymore because it was past the 10 days to pick it up __________________ Email: Clicky on Me

09-23-2010, 02:01 PM	#2
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,330	Is your insurance company called ePassporte? Please submit more documents, bitch! __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

09-23-2010, 02:04 PM	#5
IllTestYourGirls Ah My Balls Industry Role: Join Date: Feb 2007 Location: Under the gold leaf ICQ 388-454-421 Posts: 14,311	Health insurance is just out right wrong. Good thing the United States is forcing its citizens to buy a product that is directly related to the massive problem in our health care system. __________________

09-23-2010, 04:22 PM	#9
GregE Confirmed User Industry Role: Join Date: Jul 2004 Location: Philadelphia Posts: 2,704	Here's hoping that they relent and finally spring for your meds. Private insurance sucks. Single payer, like the rest of the civilized world has, is the way to go. Failing that, we should go back to what we had before Obama. This business of mandating citizens to purchase overpriced health insurance from the same crooked companies that have in the past quite literally murdered people is beyond fucked up. __________________ 50/50 lifetime payout - EXCLUSIVE CONTENT - CCBill CLiCK here for your Bun Beating Dollars. Last edited by GregE; 09-23-2010 at 04:33 PM..

09-23-2010, 04:26 PM	#10
Chris Too lazy to set a custom title Industry Role: Join Date: May 2003 Location: icq: 71462500 Skype: Jupzchris Posts: 27,880	i wish they would let me pay 300$ a month for insurance i cant get anyone to even accept me ;/ __________________ [email protected]

09-23-2010, 02:04 PM	#4
OneHungLo So Fucking Banned Industry Role: Join Date: May 2001 Location: Your mom's front hole Posts: 40,906	What insurance company is that? I've been paying for my own health insurance for about 12 years and I've only used to 2 or 3 times but whenever i needed any type of medicine I just went to the DR and he cut me a prescription...I never had to wait. BTW, I have Blue Cross and Blue Shield PPO.

09-23-2010, 05:09 PM	#12
icymelon Confirmed User Industry Role: Join Date: Dec 2007 Location: Las Vegas Posts: 3,220	maybe its time for a different insurance company you could go with a cheaper plan and then just pay for the meds yourself. its the real expensive stuff that you need insurance for. __________________ Network Of Adult Blogs With Hardlink Rentals Available

09-23-2010, 05:16 PM	#14
SallyRand So Fucking Banned Industry Role: Join Date: Jan 2008 Location: In A Galaxie Far, Far Away! Posts: 3,487	Your insurance is in motion and damned sure keeping YOU in motion trying to get something done! Just sayin'. Sally.

09-23-2010, 05:21 PM	#15
Coup 🚨 PBBC International 🚨 Industry Role: Join Date: Apr 2010 Location: /👁\ Posts: 9,931

09-23-2010, 05:36 PM	#17
Overload Confirmed User Industry Role: Join Date: Jul 2005 Location: Beck's City, North Teutonia Posts: 3,185	... only in america ... fuck, go on hols in CUBA and you get better and faster med treats (even your 9-11 firemen heroes got treated there - BETTER than they were treated in their HOME country) ... the US and health care = 3rd world country __________________ There aren't enough faces and palms on this planet for an appropriate reaction to religion.

09-23-2010, 06:23 PM	#19
Spunky I need a beer Industry Role: Join Date: Jun 2002 Location: ♠ Toiletville ♠ Posts: 133,944	50 bucks a month and all the free healthcare I need __________________ *YOUR INFORMATION HERE*

09-23-2010, 06:25 PM	#20
Supz Arthur Flegenheimer Industry Role: Join Date: Jul 2006 Location: New York City Posts: 11,056	That is not insurance, that is just shitty insurance. I have my doctor call in Rx all the time and I just go pick them up, no matter what it is. Aetna

09-23-2010, 07:28 PM	#21
AmeliaG Too lazy to set a custom title Join Date: Jan 2003 Location: Los Angeles Posts: 10,568	That sucks about your insurance, bossku69. The US government permits big business to buy big business insurance with massive tax breaks (versus if they just properly paid the workers and let them manage their own earnings.) Most workers still have copays of one sort or another and amounts deducted from their paycheck above and beyond employer contribution. If you add up all the money that is spent on insurance for an average American family over a lifetime, even if every single member needs something major like cancer care of heart surgery or kidney transplants, the overall cost for all that insurance plus employee contribs will still equal more than just the family's medical care alone. __________________ GFY Hall of Famer AltStar Hall of Famer Blue Blood's SpookyCash.com Babe photography portfolio

09-23-2010, 10:11 PM	#22
Argos88 So Fucking Banned Industry Role: Join Date: Sep 2009 Posts: 1,732	Lol, I have similar problems with my health insurance and it's damn expensive... I may swtich over to another one soon. Health insurances are doing a lot of money, they are one of the biggest business right now in the western world. Along with Pharmaceutics... .