But they’re so acute!
[sub]Sorry, I needed some pun therapy. You are an innocent victim. I apologize.[/sub]
Stop being obtuse.
Sounds like someone deserves some… punishment.
I’ve had plenty of punishment. Any more would be pointless.
Anyway, I think we’ve had enough of this tangent.
God, I hate my health insurance.
It pretends to be a plan that covers in-network at 100% after I’ve met the (extremely high, mind you) deductible.
But actually, there’s a maximum yearly cap on like, every form of on-going care out there. Therapy? Oh, 10 visits a year. Because everything can be solved in 10 visits. Chiropractic? $1000 per year max. And unless it’s perhaps the cheapest chiropractor ever, that’s what, 7 visits? Maybe?
I pay thousands of dollars out of pocket for the supposed privilege of having my medical care completely covered after I’ve done so. Why am I paying so much when you don’t actually do so??
This doesn’t even get into the fact that they fought me for over a year on a lousy $300 payout – peanuts to them, but for me, especially at the time, a huge amount of money. And the end result? They finally acknowledged that they shouldn’t lie and say it was variously “experimental” or something they didn’t cover at all. (It was a light therapy box, not only extremely common therapy, but backed by research done by the fucking Mayo Clinic, among others.) So they covered it at fucking 10%. That’s right, I got 30 bucks. On a policy that “covers at 100%.”
Holy fuck, where’s my healthcare reform? Please? I need it now!
Does anybody else remember The King of Soup? I can’t think of stupidity+staples without thinking of this post.
Where do you get your chiropractic done that 7 visits cost a grand? The most expensive Chiro I went to charged $75 per visit, and I know many more who will do it for much less (assuming you get on a “program” with them, which I have never done…not a big fan of chiro anyhow).
We should probably terminate this line of discussion. It was a regrettable arc.
All the stuff you’re complaining about would have been described in the documentation you should have read before you signed up for it. If you want to say “health plans like this blow!” I will agree with you 100%. But don’t complain that you didn’t know; if you didn’t, it was your own fault.
That’s assuming, of course, that you had a choice of health plans, versus everyone in your company being covered under the same plan.
On the limited visits for therapy thing: Assuming you live in the U.S. (and I can’t imagine otherwise), those limits are due to be removed by the changes to the Mental Health Parity Act. The new bits are phasing in, though, so I’m not sure when it will take effect.
Well aren’t you just a ray of sunsine. I don’t think it’s gotten to that degree yet.
I just don’t feel we were complementary.
Anybody want to start a petition against these puns?
I’ll cosine.
I might get a-round to it.
Lookit, birds, if you’re going to nest in our eavestrough, would you mind looking after your babies a little better? Two eggs died earlier this year, and I just scooped up and bagged a dead and very stinky fledgeling. Pew.
Okay, but hurry, I’ve got a plane to catch.
Its just the mini-rants thread. I’ve never seen any rules that differentiate what kind of posts can be made in this area.
It’s all just hyperbola anyway.
At least no one is making graphic threats.
Is that just a fancy Canadian word for what we in America would call a gutter?
You don’t call 'em eavestroughs? No eavestroughs on your parkades? 
(You have encouraged me to look it up; yup, usage is Canadian. Whaddyaknow?)
Not yet, but by my calculations we probably aren’t far off that mark. Everbody has their limit and I don’t think we can keep functioning like this, a large fraction of posters will demand we stop. I think it’s reached a terminus. I will probably be forced to wear the cone of shame for my part in this.
I’ve never done chiro before, so I don’t know how much they charge. I just know that they’re good enough to be recommended by my therapist, and that my back and shoulder hurt.
My therapist’s session fee is up to around $110 or $120 nowadays, though. I’m using that as a rough estimate.
Darlin, why do you feel a need to pick fights with me? On every little thing, including making up circumstances which don’t exist? I never said I didn’t know. However, the insurance scams being what they are, I was really fucking lucky that anyone agreed to cover me, at all. It’s not like I had any kind of choice in choosing a plan, unless you count “go without insurance and pay hundreds of thousands of dollars out of pocket” as a “choice.”
I am really fucking sick of caps on medical coverage that is claimed to be 100% coverage. It is a LIE that it’s 100% when they have such ridiculously low caps on care. Yes, I knew it was a lie. It was this or nothing. I’m tired of being screwed no matter what I do.
I don’t have company health insurance. I pay for this myself, because I’ve not had a corporate job ever last long enough to rely on their coverage. Until the new rules for pre-existing conditions phase in, I’m absolutely screwed if my coverage ever lapses. This was the only plan I could (barely) afford the premiums on. The deductible gets partially written off by the hospital under charity care, and the rest… well, sometimes I might have a spare $20 to throw their way.
So now I find myself in a situation where I need healthcare, but I’ll need to stop, whether I’m well again or not, once we hit the $1000 mark. That pisses me off. Bean counters have no business telling me how much care I need. That’s my doctor’s job.
I know this too. Doesn’t change the fact that I’m drowning in medical debt because I’ve dealt with coverage limits on healthcare that I really need for the last 5 years. I can’t wait for the new rules to go into effect, but that’s years away, and I’m broke right now.
Well, now you’re just being derivative.
Don’t take it personal-like. She picks fights with everyone.
Someone needs a hobby, I guess.
For the record, I’ve never known any insurance company to provide a fully exhaustive document of everything that is and isn’t covered. I get a 30 page booklet that lists the most common things, and speaks in vagueries to other things, but if I want to know if they cover (for example) Essure, specifically, I have to call them, because the docs don’t mention Essure, specifically. I don’t even think they mention sterilization in general.
I don’t recall any specific mention of chiro in the booklet, either, although given how much info is missing I don’t even bother to check if I need to know something specific.