Blue Cross Blue Shield markets insurance policy to young adults in their 20's called HMO Essentials. THIS IS BY FAR THE MOST RIDICULOUS POLICY I have reviewed. $230 a month for a $7000 deductible. You get 3 PCP office visits for a copay of $35, then after that each visit is full rate up to the deductible. No prescriptions other than birth control are covered.
http://www.liveyourlifenow.com/
Thursday, February 27, 2014
Monday, February 24, 2014
Monday, February 17, 2014
Calling MassHealth
Here's my actual conversation with Mass Health. I wish I recorded it. TRUE AND FUNNY.
Ring....Ring...Ring..
Mass Health: Good afternoon and thank you for calling Mass Health, my name is Shana may I have your first and last name?
Me: Hi yes. Daniel Smith; S-M-I-T-H
Mass Health: And how may I help you today?
Me: Well I'm trying to get health insurance and the website says it cannot verify who I am and can't process my application and that I needed to call this number.
Mass Health: Yes, I do apologize but I'm unable to process your application on the phone right now because our system is down.
Me: You can't process me even though the site says it cant process me and that I need to call you?
Mass Health: That's right sir. Both systems are down.
Me: But I've been trying to get health insurance for the last 7 days and I've gotten the same shit from you people. I just waited on the phone on hold for 40 minutes!
Mass Health: Sir, at this time I am only able to mail out a paper application to you. You will get it in 2-3 business days and after you return it to us it will take about 7 days to process.
Me: Ma'am ! I need insurance tomorrow! What do you want me to do? How can your system be down ALL MONTH!
Mass Health: Sir we are doing the best we can to fix the problem.
Me: What is the problem?
Mass Health: What sir?
Me: What is the goddamn problem!? I have a right to know. I am good with computers I can understand if you tell me what the problem is!
Mass Health: Sir i don't have that information. We apologize and we are working on it.
Me: How about if I say I tell you that I can't pay my taxes this year on time. Sorry, my pen ran out of ink and my computer crashed, so I can't do my taxes this year. Please accept my apology, I'm working on it. You'll get it eventually, but I'm working on it, sorry.
Mass Health: Sir you still have to pay your taxes.
Me: So you tell me I still have to pay for something I am not getting?
Mass Health: Well sir I can send you our a paper application.
Me: No, I did not pay for a paper application. I paid for a website.
Mass Health: Sir...
Me: I want to know who's fault this is.
Mass Health: Who's fault?
Me: Yeah. Who's fault?! Let me explain something to you.... if this was the private sector, and something like this was as fucked up, SOMEONE WOULD BE FIRED! I want to know WHO will be fired over all this. Who's fault is this?
Mass Health: I'm sorry I do not have that information sir. I can have a supervisor call you back.
Me: Can he get me insurance?
Mass Health: No sir. We are at the mercy of the computer system. Do you want me to have you call you back?
Me: FOR WHAT? He cant't help me. AND I DONT WANT TO JUSTIFY ANOTHER MORON'S PAYCHECK. If he calls me back, my tax paying dollars are going toward his paycheck and he can't even help me!
Mass Health: Do you want a paper application sir?
Me: Ma'am, the website and phone service was supposed to streamline and make the process efficient and affordable. By sending a paper application that means someone has to process it. SO YOU PEOPLE ARE JUST CREATING CUSHY JOBS! Why was a site even made?
Mass Health: I'm sorry sir.
Me: No. I'm sorry. We all have fool written across our foreheads. I'm done. Goodbye.
THE END.
Ring....Ring...Ring..
Mass Health: Good afternoon and thank you for calling Mass Health, my name is Shana may I have your first and last name?
Me: Hi yes. Daniel Smith; S-M-I-T-H
Mass Health: And how may I help you today?
Me: Well I'm trying to get health insurance and the website says it cannot verify who I am and can't process my application and that I needed to call this number.
Mass Health: Yes, I do apologize but I'm unable to process your application on the phone right now because our system is down.
Me: You can't process me even though the site says it cant process me and that I need to call you?
Mass Health: That's right sir. Both systems are down.
Me: But I've been trying to get health insurance for the last 7 days and I've gotten the same shit from you people. I just waited on the phone on hold for 40 minutes!
Mass Health: Sir, at this time I am only able to mail out a paper application to you. You will get it in 2-3 business days and after you return it to us it will take about 7 days to process.
Me: Ma'am ! I need insurance tomorrow! What do you want me to do? How can your system be down ALL MONTH!
Mass Health: Sir we are doing the best we can to fix the problem.
Me: What is the problem?
Mass Health: What sir?
Me: What is the goddamn problem!? I have a right to know. I am good with computers I can understand if you tell me what the problem is!
Mass Health: Sir i don't have that information. We apologize and we are working on it.
Me: How about if I say I tell you that I can't pay my taxes this year on time. Sorry, my pen ran out of ink and my computer crashed, so I can't do my taxes this year. Please accept my apology, I'm working on it. You'll get it eventually, but I'm working on it, sorry.
Mass Health: Sir you still have to pay your taxes.
Me: So you tell me I still have to pay for something I am not getting?
Mass Health: Well sir I can send you our a paper application.
Me: No, I did not pay for a paper application. I paid for a website.
Mass Health: Sir...
Me: I want to know who's fault this is.
Mass Health: Who's fault?
Me: Yeah. Who's fault?! Let me explain something to you.... if this was the private sector, and something like this was as fucked up, SOMEONE WOULD BE FIRED! I want to know WHO will be fired over all this. Who's fault is this?
Mass Health: I'm sorry I do not have that information sir. I can have a supervisor call you back.
Me: Can he get me insurance?
Mass Health: No sir. We are at the mercy of the computer system. Do you want me to have you call you back?
Me: FOR WHAT? He cant't help me. AND I DONT WANT TO JUSTIFY ANOTHER MORON'S PAYCHECK. If he calls me back, my tax paying dollars are going toward his paycheck and he can't even help me!
Mass Health: Do you want a paper application sir?
Me: Ma'am, the website and phone service was supposed to streamline and make the process efficient and affordable. By sending a paper application that means someone has to process it. SO YOU PEOPLE ARE JUST CREATING CUSHY JOBS! Why was a site even made?
Mass Health: I'm sorry sir.
Me: No. I'm sorry. We all have fool written across our foreheads. I'm done. Goodbye.
THE END.
Saturday, February 1, 2014
What's Really Wrong With This Picture
YOU MUST READ THIS !This is what is wrong with health care: this is my actual benefits summary for December. The prescription valued at $278.47 is the same medication as the prescription valued at $17.97...... it's just different prices because it's prescribed for different reasons. Get this one! The more expensive price is for the purpose of smoking cessation! The cheaper one is for panic attacks. ITS THE EXACT SAME DRUG. BUT IF YOU TAKE IT TO QUIT SMOKING IT COST MORE!!! And Obama WANTS you to quit smoking!!! My ass! The govt should have fixed this illegal and deceptive practice by pharmaceutical companies. Not mask our issues with this bullshit Robin hood healthcare plan.
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