“Have Not” Health Insurance

One thing has occurred that I may by no means have imagined. Everybody within the U.S. that purchases medical health insurance have been divided into the “Haves” and “Have Not” classes.

I labored in company America for a few years and I used to be at all times in a position to entry an excellent physician, pay my “co-pay”, get no matter care that was wanted and transfer on to the subsequent merchandise on my “to do” listing.

Now that I began my very own enterprise, I not have an “employer sponsored group plan” for my medical health insurance Click here. I now have insurance coverage that prices $600+ monthly that I’ll apparently have nice problem getting to make use of.

In case you are lucky sufficient to “have” an employer sponsored group plan, you’ll have higher entry to utilizing your insurance coverage. If you happen to “haven’t” this sort of plan and have a person plan both since you personal a small enterprise or your employer not sponsors a gaggle plan; my sympathies are with you.

I not often get sick. (Knock on wooden.) Final yr, I went to my physician who I’ve had for 12+ years with my “new” medical health insurance and was advised by the receptionist that they accepted my insurance coverage so I gave them a $25 verify for my co-pay. I simply wanted to resume prescriptions. Upon leaving, I used to be notified that they didn’t settle for my insurance coverage and I would wish to pay a further $175.00 along with the $25 verify I had already given them. They gave me the paperwork to get “reimbursed.” I despatched it in to the insurer the identical day. I used to be by no means reimbursed.

This yr, I received a unique firm who had my physician listed as a most popular supplier on the insurer web site. I’ve a PPO plan. I referred to as my physician to make an appointment and was advised that she was not accepting insurance coverage and could be transferring to a “money solely” service in a few month. The receptionist stated she would make an appointment for me if I had an employer sponsored group plan in any other case they had been already solely providing their service as money solely. I must submit paperwork for reimbursement. I requested how a lot it might price for this “money” appointment. She stated she had no concept however lastly stated “maybe” $80 after I pressed her for a solution. The identical appointment price $200 final yr so I am guessing the costs haven’t been lowered this yr.

This isn’t an remoted incidence. I’ve associates telling me the identical story. I get it! The docs are fed up with coping with insurance coverage carriers that pay pennies on the greenback for companies rendered. Additionally they might need to attend months to even get that cash if the paperwork submitted was accomplished accurately.

The concept I’ve medical health insurance and might see the physician of my alternative and pay a sure co-pay is a joke. The healthcare system is totally damaged. I simply hope I do not get sick!

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