Monday, April 9, 2012

Never Grow Up.

Reason number 6578909867 that I hate being an adult... Health insurance. Since neither my husband or myself get health insurance through our employment we are on the open market for health insurance. We chose BCBS because we both previously had them as our providers growing up.

I am just going to throw some numbers out there to so that you can understand the magnitude of my frustration right now. We currently pay 1472.00 quarterly for the two of us to be insured. That is 5,888 that we pay from our pocket each year.

In the two years that we have had our insurance together we NEVER, NOT EVEN ONE DAMN TIME, have went to the doctor. So now we have paid 11,776 dollars for our insurance that we have NEVER, NOT EVEN ONE DAMN TIME even used.

Needless to say, Josh went to the doctor last month for his allergies, our first time using our insurance, and imagine this... his claim was denied from BCBS. He went to the allergy specialist, paid the copay, left there under the assumption that whatever the hell they were doing to him was covered by his health coverage. Turns out it was not. We owe the damn allergy specialist a grand. My husband (the badass) says, "F' em, "Let 'em sue me."

Since I am a little more calm I tried to call BC today, after speaking to a computer for 20 minutes I finally got a human man on the phone but he couldn't help me because even though I have all my husbands information and pay for the DAMN insurance, I am not him.

This is a terrible post, I know. But anyways, I am never going to the doctor ever again.

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