Why My Health Insurance Sucks Canal Water!

May 24, 2009  
Filed under General Interest, Pastiche

My health insurance premiums just increased yet again. This time by 95.00/mo.   The reason for this latest increase, according to what I was told when I called (since they just raised my premium about 6 months ago), is “due to the rising cost of pharmaceuticals,” and rising cost of health care in general.  Whatever.  I told the person on the phone that they should just admit the real reason they’re raising my rates again – to help increase Big Pharma’s bottom line profits.  She laughed and said, “Well… I can’t actually say that.”  I then asked to speak to someone about changing plans.  She transferred me to another department, who then informed me that I had been transferred to the wrong department and transferred me to some other department… who then told me that everyone had left for the day and I would need to call back on Tuesday, after the holiday.

I know I’m not the only one this has happened to, especially since everyone covered by this particular health insurance company received the same “We’re sorry, but we have to raise your rates again” poison pen letter.  With all the increases, my monthly health insurance premiums now equates to about half my mortgage payment, and if I factor in all of my other “must have” insurance payments (home, earthquake, fire, and auto), my insurance payments exceed my mortgage payment. The worst part is that I’m paying out ridiculous monthly premiums for health insurance that doesn’t pay, or finds a way to get out of paying, when I actually need it.  As an example: I had an MRI done that came to 1500.00.  The insurance company flat out refused to pay based on what they claim is some “pre-existing condition.”  The problem with that is the ONLY time I had been to a doctor previously to this was when I went to an Endocrinologist.  The diagnosis was Menopause.  So, as it turned out, my “pre-existing condition” is MENOPAUSE!  WTF!?!  Regardless of how much I tried to convince them that Menopause is NOT a “pre-existing condition,” and that it should be filed under “Right of Passage,” they still would not pay for that MRI.  The dipshits.

The cost of conventional health care is way out of control.  It’s far more cost-effective to use alternative therapies.  In fact, that’s one of the reasons why more people are turning to alternative therapies. In the near term and the long term, the cost of natural therapies tends to be less up front, and less in the long run, than on going conventional medicine.  In addition, you don’t have those medical bills that keep trickling in month after month, and often from doctors you never even heard of.  The bill for the x-ray (and other lab tests),.. another bill for the technician who read it… then the doctor’s bill to tell you the results, which is in addition to all of h/her other charges… drip…. drip… drip.

Another reason to use alternative therapies and holistic remedies:  they are far less invasive.  Alternative therapies and natural remedies work with the body’s innate ability to heal itself.  Can’t say the same for pharmaceuticals, which can often times, do more harm than good.

Then there’s the matter of Self-help.  Some alternative therapies can be learned and practiced on your own such as Yoga, Meditation, Nutrition, and Reiki.  There are times when you will need to go the “self-help” route.  Times when your doctor has absolutely no clue as to what the problem is, like with my recent trip to the Urgent Care Center because I had passed out for no apparent reason.  I was told, “Your white blood cell count is high…. But not TOO high.  Your sugar levels are high… but not TOO high.”  What the hell does THAT mean???  Then he tells me “it’s probably stress related.”  Stress?  Ya think??  So now I’m using various homeopathic remedies to lower these “not TOO high” levels. Not that I have any idea what, exactly, is causing this. Obviously the doctor has no idea either.  But if I go back again in about 3 months, and spend another 500.00, who knows… maybe I’ll be told that these levels are lower, or are STILL “not TOO high.”

After this rant, I should at least tell you how I “cured” my “pre-existing condition.”  Naturally, I opted out of HRT (darn good thing since the doc was prescribing the very same HRT that shortly thereafter hand been proven to cause cancer).  So, here’s what you need to do – and this is will probably be more than what your doc is currently telling you:

First off, pick up a copy of “You’re Not Crazy, it’s Your Hormones.”  (I’m thinking of asking the author to write a sequel to this and call it, “You’re Not Crazy, It’s Your Insurance Company!”)  You can get  that here.  The reason why you NEED this book is because it’s more than a “book to read,” it’s also a workbook. It’s designed to perform as your personal hormone manager; however, it is NOT a complete list of every hormone problem known to women. It explains the most common hormonal problems and how to determine which screening studies should be performed to “rule out” a particular diagnosis.  It also tells you which lab tests to get, and what they mean.  None of that, “It’s high… but not TOO high” stuff.

As for the hot flashes and other fun menopause-type things, I use homeopathic remedies.  Ones that work for me are:
FemaLube and MellowPause.

There’s also Dong Quai.  A lot of people swear by it, but personally speaking, I didn’t think it did a thing for me.  Maybe it will for you. From what others have said, it’s worth a try.

So… yeah.  My insurance company sucks canal water!   And I would be willing to be that I’m not alone in this school of thought!

Bottom line is: the more you look into alternative therapies, the more you’ll find that you have other options when it comes to your health care.  And the more you look at your ever-increasing health insurance premiums (or if you’re one of the 40 million or so people who do not have health insurance – and I’m seriously considering joining that group), the more you will WANT to use alternative therapies.

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