Nothing but a damned rip-off!

I can't hear you!

but if pushed, I will say it and spell it correctly.

Fricking and Effing and F(*#ing are too tame for insurance. Scum sucking jackasses.

I am sorry you have to deal with their bs.

what are they doing to you Tab? capping?

lost a lot of blood, spent yesterday in the emergency room, slept for 18 hours, don't really have the energy yet to get into the insurance thing. But I was forced to change insurance companies. 'nuff said. And there's fights on what's covered and when coverage started.

I'm sure it'll work itself out, either in the form of bankruptcy court, ridiculous debt, or endless phone calls (or a combination of all three). I just can't deal with it right now. My wife is trying, so that helps, but it's just a long process. I have to put it out of my mind for a few days, at least.

Thanks

- Tab

I wish you the best. Take care of yourself first and foremost.

There's no excuse for our constantly being fucked by insurance companies. They are raking and billions while we deal with the mess caused by their absurd rules The requirements - it's just not fair. The last thing sick people should have to do this battle with these assholes. I truly feel your pain.

A good friend, living on a very limited income ($15,000), was diagnosed with ovarian cancer. All was going pretty well considering - until the FKG insurance company eliminated the co-pay cap. Then all fckg hell broke loose for her economically speaking.

My "provider charge" for a round of IV drip I took home for 2 days (chemo, which was conventional and has been around for decades) was $40K/round. I was told to ignore that and look at the "allowed charge," which was about $23K. But an NIH site showed my chemo to cost $3500/round for both drugs + admin. And that was exactly my out-of-pocket charge.

I believe these insurance cos. are either getting tax deductions by contracting with providers and governments who pay much less than the "allowed charge" (thus the insurance cos. have big "losses" on every round of chemo), or they're getting kickbacks for accepting less than the allowed charge. I'm told by those who know about billing that insurance cos. don't go by their allowed charges; they have separate contracts with providers and drug cos. So actually the billing is a total fabrication.

Something illegal is going on, I just know it.

but I took Stivarga last year, it was still relatively new. Although thanks to my insurance at the time, I didn't have to pay much, when I got my "explanation of benefits" it turns out they were charging $12,000+ a month for this oral chemo. That's just outrageous.

I do better understand when I hear "if you can't afford your prescription, Astra-Zeneca may be able to help" (although that wasn't my med). I used to wonder how they could give it away for free. But that's not the case. They mean, "if you can't afford your CO-PAY", because they'd rather pick up the piddly co-pay on my behalf and collect the real money from insurance.

If the U.S. had collective bargaining for prescription meds, like most real countries, we wouldn't have half the trouble we do now.

Last edited Thu Jan 28, 2016, 02:17 PM - Edit history (2)

Americans are Stupid and Brainwashed for Putting up with NOT Having a NATIONAL HEALTH CARE SYSTEM




I'm a US Citizen - Born/Raised Spent All My Time in The US / Have Known Only The Bullshit System we Have in Place Here




Until a 10 Plus Year Marriage To a Canadian - Two Adult Step Children & Four Canadian Grandchildren To GLIMPSE What NATIONAL HEALTH CARE is Like / Something You are Born into - (Basically)




Give Them Your Card - Need a Doctor or Hospital / Never Turned away or Receive a Bill




Card Looks Something Like our US Social Security Card




Here in US, Health "INSURANCE" Crooks and Leeches Shouldn't Even Exist - They Should Be Shot and PISSED on




This "INSURANCE" we Have here is usually Tied To Employment - which is more Bullshit




But Most People CAN'T afford it on Their own




A Former Co-worker who Had This Happen Told Me "One Major Medical Event Can wipe You out Financially for Life"




Which is Total Fucking GARBAGE That Can Even Happen and We Put up with it and DO THAT TO OURSELVES HERE




But wouldn't Ruin You Financially if We Had NATIONAL HEALTH CARE




I was 49 in 2009 - Lost My Job and Insurance / APPLIED for BADGERCARE for Adults without Children - Not Enough FUNDING To Get a Card / Got Put on a "WAITING LIST" for 5 Years




Unemployment Benefits Ran out - unable To Find work




2003 Got Recurring SORE THROAT and Swollen Lymph Nodes / Both would come and Go - But Then The Lymph Node Never went Away - GREW THE SIZE OF A GOLFBALL




I Did Not have "INSURANCE" or Money To Pay a Doctor CASH or I would Have Seen an ENT Right away




and waiting for a BADGERCARE/FORWARD HEALTH Card That NEVER Showed up




Calling Them for weeks They Could NOT even Tell Me what The Status was - Just Kept Telling Me To CALL BACK at Least 5 Times - Probably more Like a Dozen




A Low Income Clinic Referred Me To AURORA who Slammed The Door in My Face By Telling Me it "WASN'T MEDICALLY NECESSARY THAT I BE SEEN UNTIL I HAVE INSURANCE"




***My Version is: it's Not Monetarily Necessary That I Be MEDICALLY SEEN Until I Have MONEY




It Took The City Health Nurse To Light a FIRE under The States Ass To Get My Medical Card




Just Before That Though / I went To a DIFFERENT HOSPITAL System and BEGGED for Help




After Filling out a Four Page Form / Providing over a Dozen supporting Documents / Took two Days To Gather - Copy / Put All This Crap Together: Bills / Bank Accounts / Vehicle Blue Book / Real Estate / Retirement Accts and on and on and on and Turn it ALL in ***WHICH IS NONE OF THEIR FUCKING BUSINESS




They Agreed To See Me




EXAM - NECK ULTRA SOUND - NEEDLE BIOPSY All Equaled STAGE 4C BASE of TONGUE CANCER




Back to Back Referrals To Radiation Oncologist and Chemo Oncologist / 7 weeks of RADIATION 5 Days a week and Chemo for 3 Hours once a week for 7 weeks at The Same Time




Seem To Have worked - I Have Had Several CLEAR SCANS 1-1/2 Years Post Treatment Now




Somewhere Along The way someone Told Me I Probably Qualify for SSDI - I Applied and GOT IT / But Now The State Said: "You MAKE TOO MUCH MONEY" and TOOK My HEALTH CARD AWAY




Told Me I Had To Get Health "INSURANCE" Through The Marketplace at HC.gov




I Applied There But Before They would Allow My New Insurance To Complete - They said They Had To Check with The State FIRST To See if There's Anything I Qualify for There




***YOU FUCKING IDIOTS - The State is Kicking Me Out - TO YOU / which is WHY I am Here in The First Place / Kicked around Like a Fucking Ping Pong Ball




The Left Hand Doesn't Know what The Right Hand is Doing - FUCKING JOKE




The Shit was for ONE MONTH December 2014 / Requires form 8962 Be Filed with Your Taxes




CONVOLUTED HEADFUCK FORM




I've Done My own Taxes ALL MY LIFE with No Problem




Months after Filing I Get a Letter from The IRS Claiming I owe Them $184




I Triple Checked This Crap / I KNEW This was WRONG / I Owed Them NOTHING




Called Them - Took Forever To Get Through / AGENT SAID:

I Think IRS Made a Mistake But Can't Figure out form 8962 - Have to work it Line by Line "We'll Get Back To You" / ***But DON'T PAY TILL YOU HEAR FROM US




IRS Letter = Need 45 more Days To Figure it out




IRS Letter = 2nd Notice Failure To Pay




IRS Letter = Need Another 45 Days To Figure it out




IRS Letter = Pay ASAP or IRS Seizure




SEIZE: BANK ACCOUNTS / VEHICLES / REAL ESTATE




***Are You Fucking Kidding Me? / FUCK YOU / SUCK MY DICK MUTHERFUCKERS




Who The Fuck Do You Think You are




So Another Phone Call / HOW Can I owe $184 on ONE MONTH $419 Credit?




They Realized I owed Them NOTHING and Fixed it / But THEY WERE GOING TO SEIZE MY SHIT

You Piece of Shit Mutherfuckers




***DANCE LIKE FUCKING MARIONETTES




***NONE of This BULLSHIT would Happen if we Had NATIONAL HEALTH CARE Including Being SEEN LONG BEFORE STAGE 4C




I woke up one Day in 2012 To a Short Letter and a Wedding Ring




My CANADIAN WIFE of 10 Plus Years Said I'm Going Back To CANADA WHERE HEALTH CARE DOESN'T COST ME / I Hope You Understand




A Month Earlier She was Very ill / Hospitalized - The four Page Charity form and Dozen Plus Pages - 2 Days of Documentation Later We were Approved 100% for a $13,000.00 Medical Bill




But I Didn't Know That / My Wife Stapled That To The Letter She Left Me




***BRAINWASH COMPARISON For You:




One Day My wife Called Me Into The TV Room - "You Gotta See This"




A 9 Year old was jumping up and Down Hooting and Hollering Shooting a Machine Gun Skyward along with MANY OTHER People in a Group Including OTHER KIDS Doing The Same




Wife Says "CHRIST They're Born with Guns in Their Hands"




It's What They DO Because it's what They're Born into / what They Know and what They're TAUGHT = BRAINWASHED




AMERICANS are BRAINWASHED into The Health "INSURANCE" Fuck Job we Have Here




We're Born into it / it's what we Have and KNOW / it's what we're TAUGHT




Only "WE" Can Change it




Watching CANADIAN NEWS a While Back - The Cost of CANADA HEALTH CARE for One Year -vs- The US with Roughly 10 Times The Population




Generically at 10 Times The Cost is a Staggering Amount of Money - YES / BUT WE HAVE IT - (Sort of)




A LOT could Be RE-Directed from Military But MANY OTHER SOURCES




We Have our Head Up EVERYONE's ASS All Over The World




There is ENOUGH MONEY in The US COFFERS That Could RE-Direct To Fund NATIONAL HEALTH CARE




The Pricks That Run The Show is Supposed To Be US - "WE THE PEOPLE"




Need To Hold These Pricks Feet To The Fire TO SET A NATIONAL PRECEDENT and CREATE NATIONAL HEALTHCARE




Fuck This Years Long Debate / Legal Horseshit




Fast-TRAC The Mutherfucker - Just Put it in Place




In The Mean Time The Bullshit HC.gov is a LOT BETTER Than Nothing / A STEP in The Right Direction




This "OPEN ENROLLMENT" Horseshit is a Fucking JOKE




By The Deadline OR ELSE / (Be Locked out




***THEY WANT EVERYBODY TO HAVE THIS THEN IT SHOULD BE OPEN 24/7/365




AND To PENALIZE Citizens for Not Having it is EVEN MORE FUCKED UP




Shouldn't Even Exist - SHOULD JUST HAVE NATIONAL HEALTH CARE




"INSURANCE" Should Be Shot and PISSED on




***MORE BRAINWASH:




A "Plan" That Meets Your Needs and Budget / Should Be NO BUDGET INVOLVED - JUST NATIONAL HEALTH CARE / We Pay for it




A TV COMMERCIAL:




The Medical Bills were Piling up / But I Got My Credit Back on Track




NO NATIONAL HEALTH CARE IS A FUCKING JOKE AT OUR EXPENSE




***WISE UP AMERICA - THIS IS A BASIC NECESSITY of LIFE - Like AIR / FOOD and WATER




///////




A Guy in Support of UNION Compensation for The Employer To Provide "INSURANCE" / While Admirable, is MIS-Guided




ALL EMPLOYERS and ALL AMERICAN CITIZENS - ***SHOULD Be DEMANDING NATIONAL HEALTH CARE - PERIOD




///////




SUPER PISS OFF:




Coming off STAGE 4C CANCER - Got a Letter: Your Plan Approved Your Doctor's Request for You To Have a CANCER SCAN / They Said it was Medically Necessary




YOU MUTHERFUCKERS




***The Medical Profession is RUN By The Insurance Industry - THEY DECIDE if They're Going To PAY for Procedures / Treatment YOUR DOCTOR SAYS YOU NEED




Ask Their Permission? / ***SUCK MY DICK YOU MUTHERFUCKRS




LINE The PRICKS UP Who DENY ANY OF THIS / infect THEM with STAGE 4C CANCER - Let Them BEG for Help / Doors SLAMMED in Their Face / DENY THEM / ***RAM NOT MEDICALLY NECSSARY DOWN THEIR THROAT




Watch Them SUFFER and DIE / Shot and PISSED on Mutherfuckers




///////




Sir, Your Language Sir - if You're Going To Swear I'm Going To Have To Disconnect The Call




GET OVER IT YOU FUCKING FRUIT LOOP




Per FRANK ZAPPA:




What Do You Make of a Society That is SO PRIMATIVE That Cling To The Belief That Certain WORDS in it's Language are SO POWERFUL That They could Corrupt You The MOMENT You HEAR Them




TOO FUCKING BAD




This is Not a DEBATE or Discussion Blog / NOT Looking To Commiz with Anyone on Anything - Complete WASTE of TIME




It's HOW I SEE IT from MY BOOTS




Not Asking Anyone To Like it or Don't Like it / Don't Give a Fuck if You Do or Don't - It Doesn't Matter




This is Just ONE MAN's BULLSHIT




BUT THIS CRAP IS NATIONWIDE / AFFECTS THE WHOLE COUNTRY / EVERYONE IN AMERICA




///////




Why Anyone would Fight To Keep The Same Miserable INSURANCE BULLSHIT The way it is / is a TOTAL MYSTERY - BRAINWASHED IDIOTS That Don't Know Any Better - (There's Plenty of That)




AND The MONETARY STAKE INSURANCE LEECH COCKSUCKERS = Lose Money if it's Done Away with




Some Could work in The New Health Care System / Let The Rest SCROUNGE Like I Have To

/////////////////



***PEOPLE That DON'T GET IT are BRAINWASHED By The Current Status of / and The SYSTEM we're in and Likely Have NOT BEEN DEATHLY ILL and Facing BANKRUPTCY / FINANCIAL COLLAPSE or ABJECT POVERTY Because of it



There is NO REASON Why You Should LOSE EVERYTHING You Have worked for ALL Your LIFE BECAUSE YOU GOT SICK



Until IT HAPPENS TO THEM PERSONALLY and The LIGHT GOES ON... THEY DON'T GET IT and would Fight To Keep The SAME MISERABLE BULLSHIT SYSTEM in Place That RUINS LIVES and The Economy



if Money Spent on The INSURANCE CROOKS were RE-DIRECTED Toward NATIONAL HEALTH CARE We'd Be WELL on our Way To FUNDING IT



With ALL The TV Ads By Insurance Companies BLOWING SUNSHINE up Your ASS about How Great Their Insurance is GOOD LUCK EVER FIGURING IT OUT



NATIONAL HEALTH CARE Beating The MASS BRAINWASH AD CAMPAIGNS - People Eat it up



***PEOPLE GOT TIRED OF STARVING TO DEATH and LOSING EVERYTHING When They Lost Their Job



***SO THE UNEMPLOYMENT SYSYTEM WAS CREATED By FDR During The Great Depression as a SAFTEY NET To Stop That from Happening



***HOPEFULLY AMERICANS Will Quit Smacking Their Thumb Repeatedly with a Hammer AND FIGURE OUT WE NEED NATIONAL HEALTH CARE



HOW MANY PEOPLE Have To Be Turned Away AND DIE Because You Have NO "Insurance Scam" or LOSE EVERYTHING You've worked for ALL Your LIFE BECAUSE YOU GOT SICK and Medical Bills Bankrupted You



***YOU SHOULD NOT HAVE MEDICAL BILLS - PERIOD



How LONG Does That Have To Go On BEFORE YOU FINALLY FIGURE IT OUT AMERICA?



/////////////////





CAN'T STAND ANY SOCIAL NETWORK BS / Want NOTHING To Do with ANY of it




But The Cute Lil Fluffy Dog Crap Goes "VIRAL"




So if I Find a Place(s) To Dump This Crap / SOMEBODY CUT and PASTE it So THIS Can Go "VIRAL"




Get The Fucking word out / if ENOUGH PEOPLE DEMAND IT - US NATIONAL HEALTH CARE Will Happen Eventually