Understanding Your Health Insurance Policy
Isn't Always Easy
I have no idea why the rates on my health insurance policy keep going up. At one
time both my husband and I were covered on his insurance, and we had a very low
deductible. Now, about five years later, he is being charged for some of the
monthly bill –which is taken straight from his paycheck- and our deductible has
doubled. Unless we were to have a major catastrophe, the company that insures us
is making out like a bandit. Not only that, because everything is so confusing,
I don’t even know what I am covered for and what I would have to pay for myself.
When I have questions about my health insurance policy, I know I have to carve
an entire day from my schedule just to get it figured out. I try to find the
answer in the booklets we have, but that never works. They word every health
insurance policy in such a way that I’m sure the person who wrote it can no
longer understand a word of it. It’s impossible to read, and I swear they do
that on purpose.
The next step in trying to understand what is going on with my health insurance
policy is to contact the company. I can never get through, and I end up calling
my husband’s company so they can give me a better number. When I finally get the
right number to call about my health insurance policy, I know I am going to be
on hold for a long time. Usually the first person cannot help me, and I have to
wait longer on hold for someone who supposedly can.
Usually, I do end up finally understanding what I need to know about my health
insurance policy. I am usually disappointed, and I have no idea why we have this
in the first place. They don’t cover much, and if they do cover something, they
make darn sure you don’t stick around to heal properly. As I figure out more and
more about my health insurance policy, I begin to wonder if they pay for
anything, and why there are so many complaints about profit. They must be
rolling in it, because I can’t see where they cover anything that I need. What
is the point of paying for something each month that you can never use? I
understand that if there were an accident or something, we will be glad we have
it, but I’m not even sure they cover that.
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