Wednesday, October 13, 2010
This is not a post about Obama-care but I can say that we've been having hell over the medical insurance. To make a long story short, Lori the wife had a public school job with cheap insurance, she left, COBRA didn't work although it would have been nice for 18 months, and we're faced with monthly payment of over $850 and that includes a $5000 deduct on major hospital stuff. After applying with several places and getting quotes, they're calling back wanting to know when's the last time I had sex, and personal questions like that.
Humana rejects people for being slightly overweight and another says that mild hypertension is cause for WWIII. Asthma, forget it!
Then I got to figuring. Assuming I'm healthy and including the dang dentist, we spend no more than $5000 a years on drugs and doctors, both of us. But the insurance costs $10,000! I guess they're banking I won't stroke out or something ... but remember they want $5000 if I get the farts and think it's one, just to visit a hospital.
Now something is wrong here. I want my insurance to cover my arse for the regular stuff and if I want the hospital stuff, well I can add that on as the economy comes back all rosy and ducky-wucky. Ten years and I can draw retirement, retirement insurance, Medicaid, and all kinds of freebies. I have to wonder about this all ... but I plod along, and send them documents, and keep going because it is the American way, being a good boy. It is getting tiresome, though.
For all this, Lori is seriously thinking about working for the man again, like a school district, since they insure you for everything even if you are a walking medical time-bomb. That's about half the cost, perhaps $400 to $500 a month. It just doesn't seem right to screw the independent small business person, though.