Sunday, January 18, 2009

Insurance is crazy.

I hate January. Then you start all over with the deductible, the out of pocket max, and all that fun stuff. I just picked up two of Jax meds and had to pay 75 dollars! Outrageous. Then I had to check my insurance card to see why I was paying more than my copays. I still haven't figured it out.

And then you have to get five hundred pieces of paper for one visit. You get their statement that says they sent it to your insurance. Then you get the Explanation of benefits from your insurance, then you get the actual bill. Do they really have to kill that many trees. I don't really need to get 5 to 10 envelopes every day. I'm being buried in paperwork and trying to figure out what I actually owe.

And I have good insurance, and I still pay about 200 a month for Jax meds. I just cry for other families who don't have good insurance. I just hope Obama concentrates on our insurance companies, because its so out of hand. When they charge 1500 dollars a month for a special formula, and 1000 for the feeding pump. And they wouldn't let me have two oxygen regulators because they only pay for one. I just went online and I can buy a regulator for 37 to 69 dollars. So thats what I'm going to do. Buy my own and give the one back to the insurance company and say here you go, then I'm not paying 200 a month for the regulator. And these poor kidos on medicaid are being denied everything right now because of the economy. Jax therapists are bored because the've lost all thier medicaid kids. No child should go without insurance. Period.

And go read Emersons journal, they need help because she maxed out their insurance and now medicaid won't cover her because she's being treated out of state. She can't be placed back on the transplant list without coverage. and she will die in 6 months without a transplant. Ridiculous.
Ok I've vented now, I can't end on a sour note so here's a cute pic of Jax that his artist made for him.

13 comments:

hjoy said...

Oh yes, I agree it is out of hand. We deal with medicaid and haven't had therapy for several years now.

Love the picture of curious Jaxson.

The VW's said...

What a cute picture of Jaxson! Insurance issues can definitely be a nightmare! Gavin is looking forward to seeing the finished product, that's so cool that you had just bought blankets in those colors! You are a sweetheart!

tara @ kidz said...

I love that Curious George pic of Jaxson! So adorable!!! And yes, insurance, oye. Don't get me started.

I gave you a 'kindred spirit award.' Enjoy!

Phoenix's Mom said...

Hey you! Right click on the picture, click on save picture as, and name it. Then upload it as a picture onto the blog.
Angela

jessica @ raising joey said...

Gotta love insurance companies, and I love Curious Jaxson!

Celine said...

Hey there!
i'm coming from Tara's blog and I just wanted to say hi! :)
What a lovely picture of Jaxson!

Larkinsmom said...

Our primary for Larkin is a local company which is AMAZING for us!! Her secondary which I like to call Impersonal Care - I could push off a cliff. No Coverage Care is what they should name the company.

They make me tired.

Keep your chin up!

WheresMyAngels said...

I do so wish that we could all have affordable health care. Many people don't understand my I don't have more money. I'm a live in where I work at so my family lives for free. I would like to have my own home but medical bills and scripts keep us from that. I choose a new vehicle to get us places over a home. It is so frustrating.

Your son is beautiful!

Melissa said...

Insurance companies are enough to drive us up the wall!! I completely agree with you on the waist of paper;)
Curious Jax...how cute!!!

My Three Sons said...

I just bought the Curious George book for Carson the other day. I call him Curious Carson all the time. Very cute.

therextras said...

I'm still trying to figure-out why people think that insurance is bad, and then think everyone should have some. Why if Medicaid poorly serves the poor, why should more people get it?
Barbara

Lacey said...

You must be high if you don't think that every child should have insurance. It is bad right now, but its all we have. They charge outrageous prices, and some people, like Emerson, have medicaid because the've maxed out thier insurance policies already. Not all people on medicaid are poor. Its the poor that take advantage of it and don't find work. And even if you have insurance, and money, having a sick kid will make you poor in a nanosecond.

Tammy and Parker said...

Medicaid in the state of Utah is on the extreme cutting block this legislative session too.

We are really concerned as Parker's private insurance maxes out soon.

erg.