Health Insurance Woes

For the last couple of weeks I have been dealing with insurance companies. I need health insurance soon, and trying to get it is like going through hoops. After filling out pages of information online, getting medicine names, doctors, etc for three years of my history, I sent the application in. The company then called me back and I had to do it AGAIN over the phone. What was the point of the online form then? To waste two hours of my life?

The real kicker was when the health insurance rep asked me about a certain prescription - which had been filled SEVEN year's earlier! He had a database with every medical event in my LIFE.

That was kind of scary. How did he access this? Can anybody get it? He knew about my ruptured appendix at 15, even though the health insurance questionnaire only asked for three years worth.

After the headache of the time spent, then I get a letter saying I'm rejected for pre-existing conditions. He had assured me, that my thyroid condition, being over a year old, would not matter. Frustration mounts.

I have since dealth with three other companies, working on a basic policy for my health. I'm only 32 years old, decent health, and have to pay an arm and a leg to get covered.

I see why so many people don't bother. My rates are going to be just over $200 every month for premiums. Then I will have any co-pays and things that they will not cover.

For the average family, the health insurance cost can be staggering. My kids are covered, so that rate is just for me. Covering everybody would be over $500 a month! Insane.

Something will have to be done with the health insurance issue. In ten years, who can afford to go to the doctor? On top of the increased cost of living each year, it will be $400 a month to cover one person's health insurance. And to even wonder what will happen when I hit senior citizen status.

That's funny - the insurance company happened to call while I was composing this. Since I need to change my effective date to a different month to start, it will now cost $5 more every month.

I wish I knew how to get into the insurance business. I know people have expenses, but it seems like a cash cow for the insurance companies.

They might cover little things, but I feel some excuse will pop out if something big happened...you didn't sign this release or you didn't tell us about the amoxicillin prescription back in 1986 so you're policy is void.

I hope my kids have good jobs and don't have to worry about this in the future!