Okay folks, it has officially begun. The crappy insurance era where probably most of us will be forced to pay way too much, for way too little. Or, in my case, just do without because it’s too damned expensive!
I don’t qualify for disability because after working & paying into the system for 20 years, I “chose” to stay home and raise my boys.
We have medical bills piling up to the roof that we are trying to pay off. And on January 1st, our new insurance took effect. If you can call it that! To keep our old insurance, we would have had to pay exactly 1/2 more in premiums, with less coverage.
So, to save money (being able to make the house payment & eat is still a priority), we changed our policy. The problem? We have to pay out-of-pocket all expenses up to a certain amount before the policy kicks in. And that includes prescriptions.
Today, I discovered that because my Baclofen is dispensed by a pain management physician, they are required to see me every 30 days before they can refill the Rx! So this means, I have to pay for the office visit every month ($100 easy), plus the cost of the prescription out-of-pocket. The old insurance won’t cover a visit every 30 days, so that wouldn’t have helped.
The doctor’s hands are tied because of the new “rules”. This boils down to one very real, very disturbing & frightening reality: I will no longer be able to afford my pain medication!
My husband feels like he’s letting me down and I feel pissed off because we have “played by the rules” our entire life, but keep getting kicked down! I’ve always made the joke that if we got divorced, I would qualify for “aid”. We then could afford all the name brand products we can’t now. I also joke about having 5 or 6 six more kids so we would qualify for all those lovely “I have them but I can’t afford them” benefits!
Do I sound bitter? Damn right! Free medical insurance, free housing, free phones, free food, free schooling, etc…. and all I’d we’d have to do is NOT WORK!
Playing by the rules suck!!!!!!