So first a little background: I used to have health insurance with Kaiser Permanente. I was laid off but paid my COBRA payments to continue the health insurance. I last saw the gynecologist last February to get my yearly check up and a refill on my birth control pills. I have a skin condition called seborrheic dermatitis that flares up every time I have a period so the gynecologist prescribed me a regimen where I would only get my period 4 times a year in order to help me maintain my skin health. She suggested a generic drug where I just throw out the sugar pills instead of a new high priced drug that doesn’t have the sugar pills like Seasonale. I have no problems at all with my insurance company wanting to save money, especially when the two drugs are pretty much identical.
I ended up finding a new job and now have insurance with Anthem, which started 7/1/2009. 36 days into my new insurance I got kidney stones and I got to spend a fun filled night in the emergency room. I was told the best part is when I got a MRI scan and my husband got to see all the cool gadgets and computers that do the MRI. I on the other hand would like to permanently forget it ever happened. Anthem is currently trying to dispute my insurance claim with the emergency room on a pre existing condition. I find this ridiculous and insulting. I had kidney stones. I have never had such pain in my entire life. I can’t imagine going weeks with that kind of pain. I’m sure this will eventually get resolved, but not without a ton of time, hassle, or money.
This last week I needed to refill my birth control prescription from Kaiser. Since I no longer have Kaiser Insurance I took it to a local Rite Aid to be refilled. They only gave me a single month worth, when my prescription was for 4 months worth every 3 months. I asked them whey they didn’t give me what my doctor prescribed me. They replied that Anthem refused to let me have that many pills at one time. Of course this got me angry and upset. I tried hard not to take it out on the pharmacists at Rite Aid and I did start to cry some. I was told to call the insurance company to sort it all out.
The next day I called the insurance company. They stated that they only allowed 3 month prescriptions through their mail pharmacy and gave me a number to call there. I called the mail order pharmacy. I told them the whole ordeal that I had to go through. They then told me I would have to revisit my doctor and get a new prescription. I asked them if they could just transfer my current prescription. They said no. That’s right, every pharmacy in the nation from Walgreens, Target, Save-On, Rite-Aid, Wal-Mart, Costco, ect, except Anthem has the ability to call the previous pharmacy and transfer a prescription. Now I know the people at Anthem Pharmacy have telephones, because I called them on one, so I’m not sure why they can’t transfer a prescription. It’s pretty pathetic really.
I told the lady at Anthem Pharmacy that I could not go to my previous doctor as I no longer have Kaiser Insurance. I told her that I would have to see a new doctor, which is completely unnecessary as I last so the doctor in February. This was going to cost Anthem money that they don’t need to spend. She just repeated that all I had to do was see my previous doctor. Again I told her that I couldn’t see my previous doctor as I no longer had Kaiser health insurance. She really didn’t seem to understand this; it was like a scene in Idiocracy where Brando has the electrolytes that plants crave.
So in the end I have to set up an appointment to go see a new doctor and get a new prescription. I’m honestly just going to get the more expensive brand of birth control as I can’t trust Anthem to give me four months of generic pills for every three months.
So this is one of the things wrong with health insurance in this country. Here is my insurance company wasting money on extra unnecessary doctors visits and over priced prescription drugs due to their own bureaucratic idiocy. Oh and they spend money disputing claims on things like kidney stones where it is practically impossible to move let alone carry on with the pain for any length of time. I really hope the government pulls through and lets everyone get the insurance that they have, then I might actually have some choices in where I get my insurance from.
I know I could just buy my own insurance, but it turns out that regardless of how healthy I am (I eat right, I exercise, and rarely get sick) my seborrheic dermatitis disqualifies me from privately getting health insurance. That’s right my skin condition that requires me to maybe see a dermatologist 1 to 2 times a year and get topical creams that cost roughly $5 a tube prevent me from qualifying with many insurance companies for basic health insurance.






The other day in the mail I received an offer from Charter Communications to join their “Live it With Charter” club. It is basically a point reward system like many credit cards. It was free and I would get 10 points for every dollar I spent with charter. I thought to myself this might be nice since I pay too much for cable anyways. In case you are wondering I pay roughly $90 every month for all the normal channels, HD channels, and DVR. Now I have to buy some channels twice because Charters HD channel line up pretty much sucks, the only HD channels worth anything from Charter are the Discovery channels, the rest of it is lifetime, bravo, tlc, and crap like that. So in order to have the Sci Fi channel I have to buy it in regular format and it comes with lifetime, bravo, tlc and crap like that. So I have all the crappy channels in duplicate (I do like project runway and top chef on bravo though). I do not however have any premium channels, no sports packages, or even any porn channels. Half the time when I DVR anything it has visual and audio hiccups through out it. I pay way too much for my crappy cable.
So when I received this points offer I was intrigued. I signed up as it was free, and they gave me a bonus 3,000 points for signing up when I did. Now I could have gotten more points if I also got charter internet and phone, but my husband works in telecommunications and we get internet and phone for free. Though as many times as I have told the damn Charter telephone sales people that, they keep calling me and asking me if I’d like to upgrade my cable to include internet and phone. I tell them on the phone roughly once a week to stop calling unless they are going to lower my ridiculous cable bill. I have been getting nasty with them, but they seem to not understand that they can not beat free internet and phone.
After signing up for the “Live it With Charter” membership I went to see just what I could redeem my points for. First I am told they are all sold out of any redemption stuff, but there is a link where I can redeem my points for charter products. I’m thinking maybe I can get a free On Demand Rental or something like that which would be nice. Now here I got really excited. I’ve never in my life seen such wonderful magical fantastic gifts! I can’t wait to spend 800 points on a White or Ivory Hex Wall Plate. The Ivory would be a great present for my mother in law who smokes. No one will ever notice that she has had her wall plates replaced recently! I could spend 800 points on a 7′ phone cord. Ooooh I need that extra 7 feet so I can extend my phone cord and attach my phone to the ceiling! Won’t that be quirky! Though the gifts really start to get good when you spend a bit more: A 2 way splitter for 2800 points, a white or black RG6 Screw Clip for 3600 points, or a 3 way bal splitter for 3600 points. I am set! I’ll never have to go to radio shack again!
Though out of curiosity I went to
There are many ways to knock yourself off. Some ways are more publicized then others. A few weeks ago we had a murder suicide where some guy went and killed his wife, all his kids and then killed himself. I see stories in the news like this every so often. A few years ago it seemed popular to suicide by cop. I guess if you kill yourself by threatening a police officer to the point of killing you in broad daylight in front of national television your family can collect on any life insurance policies. And just yesterday, a man walked into the crystal cathedral and shot himself.
This made me think of a whole new category of suicides. Destination Suicides, like a destination wedding without the in-laws. Now destination suicides have been around for a long time, though I’m not sure any one has categorized them in that fashion. A couple of months ago an old couple went on a cruise together and jumped off together in the middle of the ocean.
So then my little cynical brain began to think about promotional materials, and what might a destination suicide brochure look like, and how much would a package deal cost? Would there even be packaged deals available? Would I be able to book it with a travel agent? When walking in for an appointment would the agent bring out a handful of brochures and tell me “These are our most popular destination suicides! As you can see all of your meals and transportation is included in the pricing. Would you like a room with a view or more secluded accommodations? You simply must try the salmon dinner when your there, It’s to die for! Also would you like to leave a video suicide note? It’s all the rage now and we have our own videographer here ready to do it for a small fee. And for just a little more we can add a video soundtrack or a music video of your life. Also you will see that this package comes with a clean up crew so that afterward you don’t look too unsightly and our clients are compensated for cleaning up your remains. Though if you opt for jumping off one of our lovely cruise ships no clean up is necessary as the various ocean critters will consume you. They are so cute and efficient! So when and where would you like to off yourself? We accept Visa, Master Card, and American Express.”