A little busy today

Well, I finally have a doctor's appointment for the boys. Thank God! It took long enough. The insurance kicked in June 1st but by the time you go through all the hoops and get an appointment set up... here we are the 26th of June. But at least they have their appointment and I can get the ball rolling.

Which brings me to another point. (I know you're thinking ut oh here she goes lol) Seriously though think about it. You pay for Medical Insurance - ahead of time . So in May your pay for June. Whether your payment is $20 or $200 or $600 a month, it doesn't matter really to prove my point. But for the sake of argument and round numbers let's just say you pay $100 a month for insurance. You make the payment in May for June insurance. (This applies to people just starting coverage or getting new coverage etc) Now you need to wait for your insurance cards and most people I have seen, they don't get them until after the "covered" month has begun. So now you're out what? A week, maybe two all depending. Now, you need to call the doctor to make an appointment but they are always out at least a week, usually two or three depending on the doctor. And to keep track now we are at least two weeks into our "covered" and PAID FOR month. Then, GOD FORBID you are like me and have a plan where you can't get to the doctor you need because FIRST you must go to your primary doctor. Now you can add AT LEAST two weeks. By the time you get your card, make the appointment, make the second appointment and get to the Doctor you really needed in the first place you are well over a month. Now my point is - and I will need to back track now - you have PAID for the month of June and probably not gotten your cards and your appointment until - like me - the end of June. Nearly 4 weeks into the insurance before I can get anything done for my boys. Now you may very well say, yeah well you have insurance and technically you are getting to use it for June. Ok fine, I will give you that, but think about this. The only reason why I got it so fast is because I am tenacious. If someone doesn't return my phone call I call again - within reason I give about 24 hours in-between calls but I will continue to call until I get what I need. So now, here are these huge Medical Insurance guys charging Joe Schmo $100 for a month that he pretty much can't even use. Hmmmm..... now let's just multiply that by 1,000 people.....see where I am going with this? That's $100,000 they have collected for insurance, they don't give out. And that is only for 1,000 people, you know there are way more than that. I think that at the very least they should charge only half the regular monthly fee because they know full well that they will most likely not be giving out anything in insurance claims the first month of coverage. Most of the time they don't cover pre-existing conditions either, so if you are getting coverage for a specific reason - forget it. Unless you have been able to be diagnosed somewhere else and are going to start over with a new doctor and play it off like you don't already know what is wrong. Of course, my main thing is to have coverage for the boys, medical dental etc., The boys are hardly every sick (Thank God) but you just never know and my youngest DS has allergies and they are both ADHD so I need regular check-ups for those conditions. Me, I don't have insurance, I could use it but I don't have it and I refuse to do the welfare thing, not happening. So I pay for my Doctor and my medication. I can't get done what I need to because I can't up the $5,000 they want just to set me up, so instead I'll just wait until either they have no choice but to take care of me (which is how I got my appendix and gall bladder removed) Sigh, we really need to do something about the medical insurance in this country. Almost time to go. Catcha later ;)