Personal diatribe against the insurance industry

I'm not asking for much, really. I just want to have a bun, have it in a healthy environment, with proper medical attention. I have insurance. You'd think that would mean something, wouldn't you? But lemme tell you something. If you or your loved one is self-employed, and you are forced to pay out-of-pocket for your own health insurance (an "individual plan," they call it) watchthefuckout! You may not see it coming, but you're going to get reamed.

Here is what's offered in a crappy "individual" plan: high deductibles (ours? one thousand simoleans per person), mandatory waiting period for maternity coverage (one year--we're covered), and fifty percent coverage for "hospital services" when you're popping out a bun.

Let me repeat that last part again: FIFTY PERCENT COVERAGE FOR HOSPITAL SERVICES.


This enrages me on so many levels. Not the least of which is that, could there be a more mundane treatment? Hasn't everyone on this planet been, in fact, BORN? Should people be forced into the poor-house because they decide to procreate? And why are Maternity Services singled out? All the other services are covered at 80%.

Now let's do some math.

Average hospital stay, per day, barring complications, at 50%: 5,000 bucks/two days. Cost of "Doctor Services:" 2,000 bucks. Deductable: 1,000 bucks. Cost of tests, lab work, anything but regular, boring old visits: 20 percent of 500-1000 dollars per test/visit (4 tests = 500 dollars at least, if not much more). ____________________________________________________ Grand Stinkin' Total, for a woman who is insured: 8,500 Simoleans.

This is all subject to change, of course, depending on how many tests I get, if there are complications (C-section, shit like that), and whether or not I decide to become a Canadian citizen before the baby is due. Which is looking like a better idea all the damned time, let me tell you.

I'm actually having nightmares. I dream about insurance. I worry about every little added cost that might rack up because my insurance sucks. I dream about next year's election and voting "Medical Reform" all the way.

This is ridiculous, and yet another example of how the insurance and medical industry need to be overhauled. If you're uninsured, you're screwed. If you're insured, you're screwed. If you're underinsured, you're screwed. As far as I can tell, the only people not being screwed are the insurers themselves.

At this rate, "Tiny" will have already spent a large portion of the college fund before s/he's two days old. Bravo, America! Good show!