Fuck you, insurance companies!!

The BBQ Pit
1

I FUCKING HATE INSURANCE. Can I just say that? I FUCKING HATE INSURANCE!!!

Let’s just start with car insurance. Yes, I know, we all feel the same way. And it’s the goddamnmutherfucking law. But unfortunately I live in NJ and my goddamn car insurance is more than my rent. Ask me if I’ve ever had a ticket. I had one accident in the 15 years I have been driving and it was a no fault, and I only hit the side of the road after slipping on truck grease going 20 miles per hour. I had to fucking pay for the new front end of my car myself cause my car insurance would have risen to the size of the national debt. FUCK YOU CAR INSURANCE!!!

Now let’s take health insurance. I’m not a gambler by nature. However, I am forced to for the safety of my familys financial future to pay $800 a month for COBRA. I DONT HAVE THAT MUCH FUCKING MONEY, ASSHOLES, THAT’S WHY I’M ON COBRA TO BEGIN WITH!!! Do you know how many times I go to the dr? My kids? Yes my husband goes a lot, however, I’d be willing to pay for his shit out of pocket, but I would have to pay the ridiculously elevated price of having my kids immunized, which they have to be BY LAW to go to school. Apparently, we make $40 a month too much to qualify for state health insurance. FORTY FUCKING DOLLARS. Can’t the fucking rules be bent a little bit, seeing as my husband is disabled? FUCK YOU HEALTH INSURANCE!!!

Now let’s go to my biggest fucking gripe, Disability Insurance. My husband paid for disability insurance, as did his company. After he had a stroke at 30 years old and was rendered disabled, the fucking disability insurance company wants to keep cutting us off. FUCK YOU ASSMUNCHES, we paid for your fucking insurance, now pay us!! DING DING DING YOU LOST, pay me or I’ll fucking break your thumbs!!! I know people cheat the system. However, people DO cheat the system because these so-called account representatives fucking drive them to it!!! And believe you me, if I could, I could pimp myself out and make more money than you dingleberries pay us. However, that too is against the law, and since I have two children to raise and a disabled husband to care for, I can’t. WHY AM I MAKING EXCUSES – FUCK YOU, WE PAID FOR YOUR ASSMUNCHING INSURANCE AND NOW THE UNTHINKABLE HAPPENED, SO PAY ME!!! THAT WAS THE AGREEMENT!! THAT WAS THE CONTRACT!!

I am not looking for handouts. I am not looking for welfare. I just want what’s fair. ISN’T INSURANCE SUPPOSED TO BE A SAFE HAVEN??? I know you dickmunchers need to make a profit so your CEO’s can fly in their private jets named after their 22 year old trophy wife’s third pink poodle, and so they can live in a 2,756 bedroom mansion to impress their golf buddies. However, you do this at the expense of my family barely paying rent and being unable to afford to buy retail. FUCK ALL OF YOU!!!

Please add your similar gripes below. Thanks for listening. I feel better now.

2

I just had my $1200 medical claim rejected.

Why? Apparently the insurance company excepts certain diagnosis ranges from coverage.

And no, they cannot tell anyone what those ranges are. God forbid they try to tell doctors how to bill.

Time for another fight.

3

I have no health insurance. I hope I stop bleeding, and I pray to Bob that I don’t get sick or injured.

I have no life insurance, so I might be a financial burden on someone else if I’m killed in a way that they can’t sue someone for being liable.

I have no dental insurance, and I had to stop eating gummi worms (one of my favorite ‘foods’), because they hurt too much when they pressed into my cavities.

I spend a month of every year’s salary on car insurance because the state forces me, so if I’m grossly negligent, the other guy is covered. However, if I get in a fender bender, I’d be fucked and my car would be totalled.

4

I’m not an expert, but I can’t help wondering how much the unaffordability of the premiums and/or the low level of payouts on claims are the result of idiotic jury awards somewhere else in the system. Certainly, medical insurance has to attempt to cover the cost of doctors’ malpractice insurance as well as the cost of actual treatment. When juries award millions for people’s “distress” every time shit happens - which it always has and always will - everyone else has to pay more.

5

Well, to add to this rant, I resent the power of insurance companies to dictate the quality of health care.

You go to the doctor and find you need some kind of “procedure” - tests, whatever. Thru experience, the doctor knows what the particular Ins Co will or will not pay for. He either tweaks the diagnosis to match a covered category, changes the test or fails to prescribe it, 'cause he might not get paid.

That’s why I never believe medical statistics like this:

from this site http://www.bayho.com/i31.htm

Insurance Companies- fie on you!

6

If you truly want to understand what fuckheads Insurance companies are, and always have been, read The Invisible Bankers, by Andrew Tobias. It is sub-titled "everything the insurance industry never wanted you to know.

Great Read.

7

In the Sunshine State, we have a Hurricane Deductible - most companies set it at 2% of the covered value of your house. However, as my agent explained it to me, if a hurricane goes thru, say, Pensacola, the same day a tree limb falls thru your roof in Jacksonville, even tho the hurricane had nothing to do with the falling tree limb, you’re still liable for the hurricane deductible. How’s that for a racket??

Yet another reason I’ll be glad to leave this place.

8

How about this one? A few years ago, I hit a slick on the turnpike and hit the guard rail (no other cars were involved, fortunately). I get a bill for $400 from the Turnpike authority because they have to “replace” the guard rail (my car can no longer run. There is no damage to the guard rail). Needless to say, the guard rail I hit is still the same old piece that was there before I hit it. How’s that for a racket. You get paid for damage that never happened and instead of replacing the “damaged” item, the State pockets the money. It must be so comfy in the bed that NJ and the insurance industry shares.

9

For years, I had to drive “naked” (ie, without car insurance). I had to do this because I simply could not afford any insurance. ANY. I was lucky to put food on my table…period. Insurance, savings, telephone…not gonna happen.

But I have NEVER had an accident, and the last moving violation I had was in 1972…but when I finally could afford to start paying insurance, guess what? Despite having a PERFECT driving record, I was classified as a High Risk. Why?

Because I had not been paying them any money over the years.

So my driving ability does not determine what kind of a driver I am classified as, but rather my income.

Fuck you, insurance companies indeed. Fuck you up the ass with a large cactus.

10

cleosia that seems amazingly corrupt. Is there a chance that the $400 was to cover the cost of some highway official to drive out, take a look at the rail, and make an expert assessment that it didn’t need replacement?

11

I think the biggest scam insurance companies ever pulled off was getting government to make it illegal to drive without insurance. I’d bet it’s the dream of every industry to have your product be legally mandated. (Granted, there are others.)
To top it all off, if you ever need to actually USE the product you were paying for, they penalize you for it by raising your rates. Like my mother says, insurance companies are in the business of collecting premiums, not paying claims…

My company (maybe most do, I don’t know) requires us to pay for their medical insurance unless we provide proof of other insurance. So there’s money every month that I spend of medical insurance that I have never used.
I can think of much better things to do with that money than send it off into a black hole of “medical benefits”. If I get hurt, I can take care of it on my own. And if I need some MAJOR procedure, I’ll deal with it when the time comes…who know’s, maybe I’d rather just die. Either way, I don’t need my company telling me how to take care of myself. I bet they get a kickback from Aetna. Fuckers.

:mad:

12

I work for a company that also requires medical insurance, but they have a really cheap “catastrophic” option that only costs like $12 per month and has like a $5000 deductible. So Its pretty damn cheap and if anything really serious happens you’re still covered after 5K… The company implemented this when one of our managers got in a major car accident, then had a stroke 3 months later. She is disabled and unable to take care of herself, even after her family sold off damn near everything, they still owe something like $120,000 in medical bills. If they had this $12 a month plan, they would still have their home and her teenage kids would not be working full time to support themselves in addition to taking care of her.

13

Your auto insurance rant should be against those who file false insurance claims which cause all of our rates to go through the roof.

I wrote a policy the other day for a 17 year old driving a 2002 Ford F-150. Clean license, but only licensed for 1 year. His annual rate was over $4,200. This may seem extremely high but, for the insurance companies it’s all a matter of weighing the amount risk, and a 17 year old male driving a newish vehicle is a huge insurance risk. You are lucky not to be living in New York.

Insurance is currently rated on a number of factors. You will get the best rate if you are married, own a home, have current insurance, have current insurance with more than the basic limits required by your state, have excellent credit and have a good driving record. All of these are looked upon by the insurance companies as being a stable low-risk person.

I can’t help on the health insurance aspect but, $800 per month seems awfully high. I haven’t had health insurance In over 5 years. Mr. Honey is covered by his work, Little Honey is covered for $100 per month through a state plan “Healthy Kids”. I am the only employee in my office so the cost to my employer or myself is prohibitive. I haven’t even had the basic female checkup in over 5 years. (Who knows what might me going on down there).
:wink:

Honey