Worst Affordable Health Insurance Policy I've Seen...

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/

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.

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.

Unemployment Calculations

You know those unemployment rates they throw around on news programs...do you know how unemployment is calculated? Well, the BLS relies on information from payroll companies like ADP. They also rely on figures from unemployment offices. You are considered a statistic contributing to the unemployment rate if you are unemployed, and collecting UI. Here's the catch...say you exhaust your benefits (including extensions) and you are now neither on UI nor employed....YOU NOW LET THE UNEMPLOYMENT RATE GO DOWN. Wtf. You are considered neither employed or unemployed. You are considered gone from the labor force. So those figures don't make sense does it? Eventually, if everyone is denied extensions, then hell, the unemployment rate improves. What a scam. The figures are flawed. Its manipulated. Can we see the official figures on the number of students graduated last year that have jobs?

Masshealth Site Down!

"ONE USELESS MAN IS CALLED A LAWYER...TWO ARE CALLED A LAWFIRM....AND THREE OR MORE ARE CALLED A CONGRESS!"

Can't log in to mass unemployment site. Says server is down. Can't log in to Mass Health Connector. Says server is down. Can't claim my unemployment insurance. Can't get my health insurance. Thank you. Oh and BTW, America, Go fuck yourself AND Obama's economic plan.

As of yesterday, millions will no longer be able to collect emergency unemployment benefits after 6 months of not being able to find a job. Ending the EUC was a stipulation in the passing of the budget by our brilliant congress.

Obama's commie care site cost us 600 Million dollars. It was designed to fail.

25% of health insurance applicants won't even need to use the Obama site. Many states have their own site like the Mass Health Connector.

My affordable health insurance is $407 per month for the absolutely worse plan with a $3000 deductible. Thanks for nothing.

I Can't Afford My Affordable Insurance

My affordable health plan is $6500 a year...for the lousy insurance option. I do not qualify for subsidies. It includes half the things my old insurance had but many new things I do not need. It would be better to not get insurance. ...take a $210 penalty hit...then just spend out of pocket $150 per doctors visit on that very rare occasion that I need a doctor. I doubt I will spend up to $6500 in a year. If something catastrophic happened and the bill was high the solution will be to just not pay it. Of course I have to carry around a fake id with a fake name so that in the ambulance when they are looking through my wallet to see where to send the medical bill...they know to mail it to Garfield Ave.

Masshealth Scam

MA HEALTH CONNECTOR/OBAMA CARE = FUCKING SCAM. Hundreds of MA residents are filling out forms online and being tricked into providing marketing firms, telemarketers, and insurance companies with personal IDENTIFIABLE information. ObamaCare was created to make Insurance companies WEALTHIER, the Low-class to HAVE MORE than what they should be entitled to at the EXPENSE OF THE MIDDLE CLASS. The stupid healthcare.gov site is estimated to have cost nearly $600 MILLION dollars. For a website! Not to mention that the 16 day government shut down which was fueled by this healthcare debate cost America 23 BILLION dollars. Obama says "i am sorry." Not good enough

The Bronze Plan

BRONZE PLAN: "A good choice if you expect to use a low amount of health services during the plan year." OK, let me ask my body if it plans on using a low amount of health services this year. Let me also ask the car that might hit me while crossing the road not to hit me too hard because I only have insurance to cover me for low amounts of health services.

Fighting Fire with Satire

The Patch blogs are a matter of free speech. We do not care that these blogs do not "entertain" you or make you feel that the patch does not "represent" Medford. What do you think the purpose of this site is? How does it not represent Medford? The posts are from Medford residents arguing freely about an issue in Medford. It is a matter that has gone on for 33 years. We are arguing over the incompetence and hypocrisy of incumbents. It is an election year! More than ever people want these old-timers out and will go to extreme means to discredit them. This is how it works.

Just because they are city councilors does not mean they deserve any of my respect. Just because they go to ribbon cutting ceremonies, benefits, art shows, farmers' markets, and local diners, does not mean they deserve our respect. At the end of the day, less than 10% of Medford voted in the elections last term. It is because of these 10% that 7 councilors work poorly to represent the other 90% of Medford. 

The "photo-shopped" images are a matter of parody. Better yet, it's called political satire. "Political satire is a significant part of satire that specializes in gaining entertainment from politics; it has also been used with subversive intent where political speech and dissent are forbidden by a regime, as a method of advancing political arguments where such arguments are expressly forbidden."

There has been no other weapon so great in the matter of politics than that of a satirical joust.