Today is July 11th. I just found out the birth is not covered. United Healthcare sucks.
My policy, that was required by law at the time of employment and enrollment period, was a $4500.00 per year policy, regardless of consideration of being a poverty level family. It was required simply because I took said job, and was knocked out of the government HCA system. I paid on said policy for 5 and a half months. My position was eliminated a month before birth, but the severance package included pay and insurance through the end of May. My portion of the premiums was roughly 1/4 of the total policy premiums, the rest was covered by my employer.
That means that the policy was paid in full for the period of the birth, and the only items to even be submitted to insurance was 3 rounds of blood-work, 1 chiropractic visit, and the birth. The blood-work & Chiro visit had an amount of roughly $200 paid out in total, leaving me with another $150 to pay out of pocket.
The birth I’m told is not covered. My deductible portion would have been $2100 and the rest is not being covered because my provider is/was out of network.
So even though premiums were paid in full, and nearly as much as the medical services I received. They only paid out a tiny fraction.
How does mandated insurance fix anything? It doesn’t.
How does insurance fix anything? It doesn’t.
So much for the insurance requirement solving the medical debt crisis.
Insurance, especially when mandated, is a contrived scheme to make wealthy companies even wealthier. There are very few common citizens that actually see the advertised results that are claimed in selling insurances.
My policy was through United Healthcare via my employer. Seems we both got screwed by United. I wonder if I should tell Dial Corp (my employer was a subsidiary) that United Healthcare Corp has been selling them inferior and useless healthcare insurance policies. I wonder if Dial would reconsider where they purchase their employees’ benefits.
I’ll think on that, while I stew about how the hell I’m going to pay for the birth. Seems I may have to get a crappy short-term loan and find another job to return to 60 hr/wk madness. At least the mandate has been eliminated now.
Makes me also wonder if CARE credit and other short-term loan companies are owned by, or in agreement with, medical related organizations. Merh & grumble.