Healthnet – “we can’t give you that information”

The last few years, I’ve become more involved in how my health insurance works. Before – I’d just go to a doctor – pay what wasn’t covered and move on with my life. But due to changes in my life, understanding what is covered and what isn’t has become a big deal.

This is where I’ve run into this nasty loop that occurs between myself, the insurance company, and the doctor/provider.  It looks like this:

Version 1:
Me: Will this procedure be covered
Doctors Office: You need to ask your insurance
Insurance Company: It depends on what your doctor does
Me: So basically, we won’t know if it is covered until afterwards?
Insurance Company: Your Doctor will know what is covered
Doctors Office: We don’t know what is covered – that is up to your Insurance. Please sign this document saying you are liable for all charges.
Me: I can’t get this done until I know if it is covered or not

Version 2:
Me: Will this procedure be covered
Hospital: Yes
Insurance: Yes
Me: Hi – why did I get charged for this?
Insurance: This doctor isn’t in network
Me: I thought this hospital was in-network
Insurance: Yes, but this doctor is not
Hospital: Next time, make sure that all doctors are in-network

Version 2.1:
Me: Will this procedure be covered?
Hospital: Yes
Me: How do I make sure that the doctors are in-network
Hospital: Well it just depends who is working that day
Me: So How do I make sure that they are in-network
Hospital: You will need to confirm with that doctor
Me: How am I supposed to do that if I’m fucking unconscious and a different anesthesiologist is working that day? Or when my wife is asleep after giving birth and you come in to do an ear-test on the the newborn?
Hospital: Well, we won’t know in advance who is working
Me: FML

Version 3:
Insurance: It is covered as long as the doctor uses the correct code
Me: Ok, which code is that
Insurance: I can’t tell you that
Me: Can’t, or Won’t.
Insurance: I am not allowed to give you that information

I’m sure there are more. Oh right – when the doctor does procedures that aren’t considered “preventative”, so they aren’t covered. Or when the doctor just uses the wrong code for it. Normally they just re-bill and it gets sorted out, but I had one doctor who REFUSED to resubmit the code.

Hrm, I’ll save my Doctor rant for another day.

 

 

Democrats for Donald Trump. How to worship our new King.

donald_trump_cinco_de_mayo_590Watching the transition process has gotten me thinking about what is motivating Trump. Fame, perhaps and always money. Personally I believe he will struggle with the negative attention he will receive as president. He truly does lack the temperament for the job.

I don’t believe he has a hard set political philosophy that guides him. As best I can tell Adoration and Profit are what moves him. I’m sure there is more, but that is what I have seen in the past. I’ve been wondering if if Donald Trump might not be a great vehicle for the liberals.

He has no loyalty to the GOP. Does he have loyalty to the people who elected him? I think it is telling that he reportedly wants to keep having rallies (!). What if the left could become his new cheering squad? What if we could give him the things he needs, and get our policies passed in return?

I have no doubt that Donald is corrupt – to the point that the only questions he might ask himself are “Is this legal” “Will I get caught” “How large the impact if I’m caught”. I don’t believe there are any ethical considerations of his. Well maybe “loyalty”. He does seem to respect that.

So knowing he can be bought – how do we go about doing it. The money part is straightforward. Make our policies be profitable for Donald. The Adoration part.. would be more complicated, but perhaps a vocal “Democrats for Donald” that encouraged his liberal moves – just total Donald fandom and basically worship – like that of a king. I think if there were cheering groups of people outside his building, it would do more to get his attention. Sort of like positive attention for a child, vs Negative.

What if Obamacare could make him rich? What if a conservative Supreme Court would somehow hurt him?

I think that self interest is the fulcrum on which to shift him.

 

2016 Election: Disappointment

djt_homepage_desktopbI’m not sure where to start – we lost the election. I don’t understand the sense of betrayal and alienation that I feel today. It feels as if 8 years of work has been undone, as if America chose their President via TV Show call in vote.

I feel betrayed by a Democratic party that couldn’t seal the deal against one of the most disgusting candidates in modern history. A party that continues to get pushed around by the GOP – and never stands up for itself.

I feel betrayed by polls that put us ahead – and were wrong at so many different levels.

I feel alienated from an America that would choose Donald Trump as their president. For the first time in a long time I look at family and friends – and see enemies. I see “other”. I see Olds and Dumbs – people I don’t want to be around anymore.

I see a President-elect who is bereft of morals. His second rate conman routine has somehow fooled half of our nation – and the platform he ran on is a disgusting reminder of the global elites at the top of our ladder. Destruction of the environment for short term financial game. Banning people of certain religious belief from immigrating to our country. Pushing the tax burden back towards the people who can least afford it. Cutting the programs that I believe are integral to our stability, our prosperity and our sense of humanity. Feeding fear and hate, promising everything, delivering nothing.

After listening to the preaching and wailing of the religious right for decades – their savior is a thrice divorced, adulterer, hate preaching conman. They call him a “flawed vessel” or refer to accepting him “warts and all”. The Right complains that the Left mocks their religion – and there is truth to that. But how can we not when this is the example you set. When you talk about “Jesus” but nothing in your life reflects the messages your “prophet” left behind. You are small, and petty, and your tribe is made up of other small minded people. Your spirituality is dull coated and bland. Whatever power you connect to in your heart – it pay be painted with forgiveness sacrifice and love, but underneath is just the same old selfishness and self preservation.

I have never looked at the “other side” of an election and wished harm upon them. And today I do. There is a sick part of me that will enjoy watching Donald Trump break promise after promise to the people who elected him. I wish I could talk to the banks he now longer does business with… at what point does the con stop? Does it ever stop? When did you realize how screwed you actually were. And how did apply the appropriate pressure to bring him in line.

We have an obstructionist GOP – who has worked for 8 years to prevent progress in basic human dignity – gay rights, universal healthcare. These “Christians”. They are worse than whores. Sex for sale is an honest, if disapproved of trade. They are the thousand hooked little claws of a predator that feeds on America. They are rot that should be trimmed. Sickness that should be cut from the living body.

I felt our country was moving in the right direction – and today I am reminded that no – it is not. I feel helpless. I feel scared. I feel betrayed and confused. And the anger that rises out of that would enjoy seeing half of this country fed into a wood chipper. Watching with other eyes to see their souls sluggishly drift up, to be fed upon by the Eagle in the sky.

I