In case you have forgotten, I recently took the time in New Year, New Rant to blog about an unfortunate doctors visit I had the first of January. Well, the other week I got a bill for a pathology test and then last week I got a bill from the doctor's office. The grand total was $133.41. I ignored them because I figured that something had been billed to my insurance incorrectly and it would be straightened out. After all, I shouldn't have to pay more than my $25 copay for an annual well visit, right?
WRONG.
I called the lovely folks at Blue Cross/Blue Shield this morning to find out what the dealio was (because I also had to find out my copay for a little upcoming hand surgery I am having). I was told that I have to meet a $150 deductible before my doctor's visits, etc. are covered beyond my copay. So not only did I get shitty treatment at the doctor's office, but I am now paying for that privilege to the tune of $158.41 (the $133.41 I have been billed and the $25 copay I laid out at the office the day of). Nice, really nice. And what makes this all so much more galling is I don't go to the doctor except for annual visits usually. So basically I have met my deductible first thing this year and it will do me no good, because if I were to stay with this insurance, it would all start over again come 2011.
Now let me break this down for you gentle readers in plain, ole dollars and cents. Currently, the spouse and I are paying a reduced Cobra amount for our insurance of just under $400 a month. The spawn's insurance policy is $125 a month. The spouse's prescription costs are $300 a month and he is still paying for his colonoscopy in 2008 and back surgery in 2009 to the tune of $200 a month. Grand total—$1,025. Bear in mind this does not include a copay should any of us have a doctor's appointment in the month. Our mortgage is under $850 a month. That, very simply, gentle readers is FUCKED UP. If we didn't qualify for the reduced Cobra that total would be $1,725.
But we don't need insurance/healthcare reform, no, not at all . . .
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