Health Insurance is Fun and Enjoyable

I love dealing with health insurance. Paying their rates is just a great way to know that my family is being taken care of. What a pleasant opportunity it is to know that such a significant amount of money is going towards the possibility of my family getting sick or injured and needing their services. Even better is being a part of an HMO that requires you go to a particular doctor or pay even more money instead of receiving benefits.

Whenever I have had the opportunity to make a claim for some sort of health care needed, it is such a pleasant experience. Getting refused on a basic claim is something I look forward to. Even better are the late notices I receive when my insurance company doesn’t pay the bill promptly. What a joy it is to call on these late notices and find that the claim was misplaced, not processed, or otherwise refused without notice. Efficiency is not needed when the ultimate responsibility falls on me to be sure these bills are paid, even when it is the responsibility of the carrier. No worries, I’ll take care of it.

(end sarcasm)

I think the only thing more of a mess than our health care and insurance situation is the tax code. The cost of health care is out of control, and most of the increasing costs are in the cost of drugs. How can this be such an epidemic in our country when it affects every person and not have a significant change already be in the works? Politicians talk about fixing it, but I have yet to see any benefits trickle down to my bottom line. Health insurance is not a protection program, it is a profit center with every nuance designed to exclude the possibility of paying out more money than they take in.

I am fortunate to have insurance provided by my employer. This is something I am very grateful for. They read this site, so I have to say that, but I really do. The cost to my company is simply out of control and unacceptable. I don’t care if people in our company have used our insurance, it’s unacceptable to we get rated up to the highest legally allowed amount. There should be better controls to limit the profit these companies (and the health care providers) reap in this screwed up system. Somehow there has to be a better system, and at the current price hikes we are experiencing every year, something better come soon or there is no way the common employer can continue to pay these rates.

Edit: I found this in a recent CNN article about Ford Motor Company’s continued losses and was astounded. “Even with the changes in the health care plans, the company spent $3.1 billion on U.S. health care in 2006, or an average of about $1,200 per vehicle, putting it at a cost disadvantage with some overseas automakers who have health care costs of workers building imported vehicles paid by foreign governments.” I had no idea that much cost into each vehicle could be attributed to employee health care costs. Amazing.