by Pa Rock
Patsy
Patsy
I am well insured. I
have Medicare, Parts A, B, and D, which covers a big portion of my medical
needs including hospitalization, doctor visits, and prescription drugs. Because Medicare falls short of covering all
of my medical needs, I also have a standard Blue Cross/Blue Shield policy that
I transferred over from my last job. The
BC/BS policy acts as a supplement and, in theory, covers all that Medicare
fails to take care of. I pay dearly for
all of that coverage.
Blue Cross/Blue Shield, being omnipotent and having a
predisposition toward making life difficult for their customers, occasionally balks
at doing their supplemental share. My
most recent bout with the company occurred when it questioned my doctor’s
judgment on a particular drug, one the company deemed too expensive, and wanted
the physician to provide a written justification for his decision on the type
of treatment I required. It took me, the
patient, several different sets of phone calls, both to the insurance company
as well as to the doctor, to get the matter resolved.
But this is America, and in America doctors prescribe,
insurance companies impede, and the patients are left to do the
hard work of ironing out any problems along the way. Individuals without the support, time, or
resources to fight their way through the medical and insurance jungles that
pass for modern health care in this country are poop-out-of-luck.
A few years ago, right after I retired and moved back to the
Ozarks, Blue Cross/Blue Shield began sending me occasional checks, usually for
an amount of somewhere between ten and twenty dollars. I didn’t know what they were for – and really
didn’t care. I just put them in the
bank, secure in the knowledge that no one at BC/BS was missing any meals on my
account.
After a year or so of these sporadic donations to my
retirement, I got a very uptight letter from BC/BS telling me that I was in
receipt of more than two hundred dollars which did not belong to me. Not wanting anyone on their end to miss
Christmas, I hurriedly sent off a check in the amount the insurance giant
demanded. I also spent the better part
of a day on the phone until I reached a lady who was able to locate me in the
company’s database. She assured me that
the error was theirs and it would not be repeated.
Then, of course, another check arrived. I began a careful register of each check to
include the check number, the amount, and the date it was written. I am currently in receipt of more than a
hundred dollars of BC/BS money. At some
point in the not too distant future I am sure that I will be receiving another
angry demand that I immediately return the money – which I will. Again, it falls on the customer to fix
things.
Last week I got another check from the accounting geniuses
at Blue Cross/Blue Shield. That check
was for twenty-eight cents – undoubtedly not even enough to cover the
“pre-sorted, first class” postage that it took to mail the check. I haven’t deposited that check yet because I
am thinking about having it framed – or saving it to use as the down-payment
when the company rages at me with its next demand for repayment.
All of that grief is from a private insurer. Medicare on the other hand usually gives me no grief
whatsoever.
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