Remember this image? It’s from a recognized insurance company. They’re trying to say that under their umbrella, they will take care of you-pay your bills-help you stay out of the hospital-be there for you.

Well, pardon my french, F-that nonsense. You might think that Obama’s Health Care program works for everyone. Don’t think it! Don’t believe it. And, if you do? You’ll get screwed like me.

Fortunately, there’s a light at the end of the tunnel for me. But, if you’re nowhere near 65. my heart goes out to you? Why?

When you call your insurance company make sure you ask these Vital questions. Get the details. Or rather. Demand the details.

  1. When the rep spouts off about the Tier 1 and Tier 2, and then tells you as long as you use a facility on Tier 1, you’ll be okay. That the insurance company will reimburse you? Don’t believe everything you’re told. The insurance company is out to get that deductible that they provided for you when you signed up.
  2. Beware of the jobberwocky my son. The claws that gnash. The teeth that bite. Beware of what comes out of the rep’s mouth. Yes, use these facilities. You’re covered. Nope, go a little further. How many visits are you allowed? How many are you given in reality time. How are the charges summed up on the invoice? Are they broken down? Will the insurance company pay all of these broken down charges? Well, why not? That’s what using a in-house network doctor, specialist, and facility is all about, isn’t it? Well, isn’t it?
  3. No, it’s not. That’s why you’ve got to ask. Insurance companies are out to make money off of you. It’s that simple. Do the math!
  4. In my case, I was allowed 15 office visits. Guess what? I’m already denied one visit. Guess what? I still have 5 office visits remaining to me. Guess what? The insurance company isn’t going to pay it. Think they’re going to admit this stuff to you? What? Is the moon made out of green cheese? Think this through.
  5. 15 visits for out-of-hospital therapy. 30 visits a year, and if you surgery, that means you’ve got 15 visits left. Seriously? I’ve got bad news for you, it doesn’t work that way. I thought it was preventive health care all the top insurers wanted. Guess what? They pulled a bait and switch.
  6. Be sure you know the difference between Occupational Therapy, Physical therapy, and the therapy you might receive after treatment or surgery. It makes a great deal of difference to the insurance company. Again, remember, Money is the root of all evil.
  7. Am I saying that all insurance companies are evil? Well, maybe not evil, but they certainly, in 2016, don’t have your best preventive health care in mind.
  8. Why is this a big deal? Well, for one thing, the therapy I was receiving was to prevent my Achilles tendons from rupturing. News to you about tendons rupturing? Well, it was news to me, too. In this case, I’ve got to stay off my feet until April when I can rejoin the ranks of health care recipients and count my lucky stars that there’s another kind of insurance waiting for me at the end of the rainbow. If I see Dorothy, I’ll send her home with a note.
  9. Happy Valentine’s Day. And don’t eat too much Sugar Free chocolate candy. It’s makes for problems at the end of the day. Just saying, have a good one!

About Lillian Cauldwell

Own and operate an Internet Talk Radio Network for 10 years, 2005 to Present Published Author of Non-Fiction Book, 1996, "Teenagers! A Bewildered Parent's Guide. Published Author of several fiction books, 2006 "Sacred Honor" and 20010 "The Anna Mae Mysteries: The Golden Treasure." Playwright of Theater of the Absurd and Black Comedies. Screenwriter, Black Comedies