As a private business owner and under 65 years old, my healthcare for my wife and I cost us $2700 per month, with an out of pocket of $5,500 each year. How it got here I'll never know. I'm a middle-class guy and this is my largest expense. The killer for me is the way they add insult to injury and refuse everything our doctors recommend.
When I was in the middle of cancer treatment, that included a team of over 12 doctors that had to be on my plan, they notified us we had 2-weeks to find a new carrier because they were closing shop in New York. It was a Cigna company Health Republic. At that point, we had to scramble to find another company that would accept the same team. Hell, I was in the middle of radiation and chemotherapy and the last thing I wanted to do was change doctors. So I co-signed for everything and I'm still fighting it today. I'm actually seeing bills from things that should have been paid in the past. They refuse every scan my doctor tells me I need and just about everything they can.
As you can imagine it is bad enough struggling to survive let alone dealing with this shit.
Now my wife is dealing with a rare newly diagnoses called a New Daily Persistent Headache. She has had a horrible headache each and every day for the past 4 1/2 years. We've been to numerous doctors, and anything they want to be done, insurance doesn't agree with. It's a constant battle and I know I'm not the only one going through it.
And no offense, but please don't make any suggestions for the headache cure as this is a totally different animal and we've seen every specialist on the east coast and they just don't know enough about it yet.
Today we find out that will not pay for some special testing on her that was requested by our newest neurologist.
I hate dealing with an insurance rep telling me they know more than the doctor. That is where we are today.
Do you have a story to tell?
When I was in the middle of cancer treatment, that included a team of over 12 doctors that had to be on my plan, they notified us we had 2-weeks to find a new carrier because they were closing shop in New York. It was a Cigna company Health Republic. At that point, we had to scramble to find another company that would accept the same team. Hell, I was in the middle of radiation and chemotherapy and the last thing I wanted to do was change doctors. So I co-signed for everything and I'm still fighting it today. I'm actually seeing bills from things that should have been paid in the past. They refuse every scan my doctor tells me I need and just about everything they can.
As you can imagine it is bad enough struggling to survive let alone dealing with this shit.
Now my wife is dealing with a rare newly diagnoses called a New Daily Persistent Headache. She has had a horrible headache each and every day for the past 4 1/2 years. We've been to numerous doctors, and anything they want to be done, insurance doesn't agree with. It's a constant battle and I know I'm not the only one going through it.
And no offense, but please don't make any suggestions for the headache cure as this is a totally different animal and we've seen every specialist on the east coast and they just don't know enough about it yet.
Today we find out that will not pay for some special testing on her that was requested by our newest neurologist.
I hate dealing with an insurance rep telling me they know more than the doctor. That is where we are today.
Do you have a story to tell?
