More like furious with occasional episodes of rage, but as post titles go, “Angry” seems a little less like something written by the scary old woman who won’t let the neighborhood kids play in her yard, right?

So, I’m pissed off in an extreme way and I intend to express that here. If you don’t want to read anger, cussing, or hard core liberal politics? You should leave now because I’m in no mood to hold back.

You have been warned.

I’ve written before (often) about how bloody expensive our insurance is. The premiums are huge and the deductible is high. And with the deductible plan (to which Brian’s employer switched 2 years ago), I expected that once we’d paid the deductible, the insurance would then start paying 100% of our medical costs, right?

No. Seriously, no. Once we’ve paid off the deductible, we start paying co-pays. This seems to me like the most fucked up, abusive, unfair system ever, but in fact, when I called the insurance company to get a better understanding? It turns out (this might not surprise you) that I am a complete idiot. Also? A nag, a bore, and a whiner, but mostly an idiot.

Let’s segue to a conversation I had about a year ago with a representative of our health insurance company. I was trying to make sense of our policy, because really? Co-pays after we pay off a deductible makes no fucking sense at all. It’s all the worst of a PPO combined with the worst of an HMO, like the love child of a hyena and a buzzard.

Plus, there are the costs associated with services that the insurance doesn’t cover, or for which it covers only a small percentage, but that’s not what this post is about so we’ll lay that aside for now.

Did I mention that this is a Blue Cross and Blue Shield policy? And it’s expensive because it’s one of the “best” policies?

Back to that conversation with the insurance company representative. First thing the rep says to me: Yes ma’am, I understand your concern, but are you aware that you won’t pay a co-pay for preventative care visits?

No shit. We don’t pay for those during the first part of the year when we’re still paying our deductible.

Next up from the rep: I’m sorry you’re frustrated, ma’am, but we find that our system encourages healthy-living habits. A great deal of chronic illness can be prevented with healthy lifestyle choices!

In case you were wondering, that was the first time during the conversation that my head exploded. Newsflash: not all illnesses can be prevented. I know it’s the Official Religion of the United States, this belief that none of us are victims, that we are all masters of our own fates and captains of our own souls. Sorry to bust your bubble, but I call bullshit. Yes, fat people are more likely to get diabetes and most of the people with lung cancer are smokers, but they are not the only sick people in the world. There are millions of people who are ill to the point of disability through no fault of their own. People like Carter.

Hey, have you heard what we do with disabled people in the US? We drive them to total financial devastation because they’re easier to ignore if they’re living in poverty, away from the nice neighborhoods and the respectable people.

Finally, from the rep: Yes, ma’am, but we have to control costs by discouraging the frivolous use of medical care.

That was the sound of my head exploding for the second time. Who the fuck are the people who go have a frivolous MRI? Is that a fun thing to do on a Sunday afternoon? Or how about laparoscopic gall bladder surgery? That sounds like a total hoot! Oh, I know! A mammogram! And let’s follow that up with a colonoscopy! Yeehaw!

Seriously, if you are one of those frivolous users of medical care? I want you to call me because I think you’re a damn rare breed.

My problem last week, though, had mostly to do with the company that manages our flexible spending account.

You know what those are, right? Here’s how it goes: Brian and I, in an effort to pretend that we are responsible adults, allow Brian’s employer to take some money out of every paycheck and put it in a dedicated account from which we are allowed to pay for all things medical. This has a couple of advantages, the primary one being that the government can’t tax the money we use to pay for medical care and medicine. The other major benefit is that all our medical costs are removed from our budget; we never get a chance to choose food or electricity over medicine because the medicine money is already there.

That’s the idea, anyway. I’ve written before (often) about how our huge medical costs keep us living hand-to-mouth. With almost no wiggle-room in our budget (OK, honestly? Here’s our budget: try like hell not to overdraw the checking account. Also, try like hell to never let the electricity get shut off.), removing the money for medical care from our day-to-day decisions is handy as hell.

When it works.

We’ll come back to our depleted bank accounts later. Don’t forget about that.

You know how when you go to the doctor there’s a sign right there next to the receptionist that says, “Pay up right the fuck now or we’ll shoot you between the eyes!”? It probably says something more like, “Payment is due at time of service,” but we all know what they really mean.

My doctors have that sign in their offices, too. Pretty much if I don’t pay, they don’t let me through the door.

The flex plan people, though? They have a different idea. I’m not allowed to pay. I’m supposed to tell the doctor to see me first, then bill the insurance company, and then (and only then) is any money supposed to change hands.

My doctors are not down with this. They have the shocking notion that they are owed actual money for actual services rendered.

I, however, am not down with, you know, not seeing doctors. Call me crazy, but I have this wacky idea that maintaining my health is the right thing to do. So I went to the doctor.

I used my flex plan card to pay the doctor, seeing as how a) they won’t let me in the door till I pay, and b) my bank account is sadly depleted because the health insurance company and the flex plan managers have all my fucking money.

Two weeks later, I got a threatening letter: Submit supporting documentation for this visit to the doctor, you evil, stupid wench who paid the doctor with your own money! How dare you?

I printed said documentation, faxed it, and promptly forgot about it.

Two weeks later, another threatening letter, this one screeching as loudly as printed words on paper can screech, We will not let you use your card, you moron! Send your documentation or suffer the consequences! I again printed, faxed, and forgot.

Two weeks later, I went to pick up Carter’s monthly prescriptions. Raise your hand if you don’t know what happened next.

You know when a big company makes a mistake, but it’s never their fault? Yeah.

As soon as I returned home from the pharmacy (No meds in my hand; remember that perpetually depleted bank account? I didn’t happen to have on hand $876 for Carter’s monthly allotment of sanity-inducing pills.), I faxed my documentation again and called the flex pay people.

Me: I’ve just faxed my documentation again. How long will it take for our card to be re-activated?

Her: It takes 48 hours….blah blah blah long explanation about the process over there at Money Held Hostage Headquarters…blah blah blah…You’ve probably been using the wrong fax number blah blah blah… (Oh, remember how I’m an idiot and all that? Funny thing: I managed to swim through the fog of my stupidity and double, triple, and quadruple check the fax number when I got that second letter. I never used the wrong fax number. Never.)

Me: What can we do to speed up this process? My son will be out of medicine by tomorrow.

Her: There’s nothing you can do.

Me: Can I submit the documentation online?

Her: No.

Well. If there’s one thing Brian has taught me, it’s that I shouldn’t give up so easily. I faxed the documentation three more times and called the flex pay people again in hopes that a kinder, more knowledgeable person would answer the phone.

Me: (after explaining the whole sorry saga) What can we do to get our card re-activated faster?

Her: Did you submit the documentation online?

Me: . . . . . . . . . . ? (Thinking of various replies and rejecting them all.) Where do I do that?

Her: Well, you click on this and sign over your firstborn and you stand on your head while you gargle peanut butter and of course somebody over here at Money Held Hostage Headquarters will be verbally abusing you during this process…

So I submitted the documentation online. The rep says uh oh!

Go to hell, you and your uh oh.

Turns out, I paid the doctor $175, but the insurance only authorized $115. Our card won’t be re-activated till I send the flex pay people $60.

Me: Can I pay you now? (Because while I didn’t have $876, I could swing $60.)

Her: No, we’re not allowed to take phone payments.

Me: OK, where should I go on the website to submit my payment?

Her: Oh, no, you have to send a check or money order. Your card will be re-activated 48 hours after we receive your payment.

You are probably familiar with the sound of my head exploding by now.

I had, by that time, gone to the pharmacist and begged for three days of meds to keep Carter going until the day on which I believed, at that time, our card would be re-activated. The pharmacist was lovely and kind and happily loaned the medication (a good pharmacist is almost as important as a good doctor), but really? How was I supposed to go back and ask for 5 more days?

But how could I let Carter miss even one dose of any of his meds, much less do without them for the better part of a week?

I could go walk up and down Central Ave, but I’m pretty sure my ass isn’t worth $876 anymore, if it ever was.

So I counted pills and made decisions and went and bought the medicines Carter absolutely had to have. $442, plus a $20 overdraft fee. I submitted all of the receipts to the flex pay people (Online and via fax. Twice.), and I have my fingers crossed that the reimbursement check shows up in my mailbox before we run out of food or the electric company shuts down this whole operation.

Welcome to the USA, land of the free and home of the brave.

I suggest that you do not get sick.

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61 thoughts on “Angry”

  1. OMG

    How can you cope with such a disgustingly flawed medical system?

    It’s getting slightly bad here. But in no way that bad.

    1. Honestly? We have our eyes on leaving when we can. We’re a blended family, but when our three eldest children are grown, we might try to move to England or Canada. (Brian’s company has people in both countries.)

      It’s awful. Of course we’re willing to sacrifice everything for our child, but it’s not right that we should have to.

  2. I HATE insurance companies, and I work for an insurance company. I’m so damned sorry for all the bullshit you have to go through. I completely understand though. I’m on your side of the crap more than on the business side, since I work on a government contract, and really am just one of the people you speak to when you call (and I swear that I’m the nice one you always want to get on the other end). We are blessed that my employer (being an insurance company) pays for the insurance. We have a pretty decent deductible, but have to pay copays ALL the time. In addition to the deductible and even AFTER our maximum out of pocket is met, we still have to pay the copay. If you EVER want to vent, I’m here. email or on twitter (@havenlilianna)

    1. Thanks! The second woman I talked to? I could tell she was really upset by the whole situation and wanted to help, but her hands were tied. When I told her that my little boy could end up in a psychiatric hospital over this, I think she was in tears.

      What a fucking mess.

  3. Holy Shit! That is so fucked that you even have me cursing! FUCK! I’m so sorry for all this crap. Nothing like trying to find some solace in the hopes of people helping you out when everything else seems so out of control.

    1. Oh, I know! Carter had SUCH a hard time last week, and then to pile this on top of it all? Gah! I wanted to get my hands on some top-level BCBS people and shake them till their teeth rattled!

  4. Oh wow… I’m so sorry you have to deal with this on top of everything else! I don’t know what else to say – I mean, WTH is the point of insurance if you generally end up paying most of it yourself! I’m glad I live in the Netherlands, but this post sure serves as a reminder to those people who are all “blablabla prevent illness blabla make people pay for their own lifestyle” and think this means it won’t affect them. Unbelievable that you actually get spoken to like that by a rep!

    1. Yeah, that’s what I’ve asked a thousand times – why do we even have insurance? It’s basically catastrophic coverage, only useful if someone needs long-term hospitalization.

      And yeah, all those people up in their ivory towers pontificating about “responsibility” and all of that? I want them to come over here for a month.

  5. Uuuugh! I’m furious for you. As in, spitting mad. This should not happen. To anyone. Ever. But especially not you. You do not deserve to deal with this on top of everything else. I wish I could do something. I guess all I can do is listen if you ever want to vent. You know where to find me. ::hug::

    1. Thanks, lovey. Yup, it’s pretty much the most ridiculous thing I’ve ever experienced. They act like I owe them money and they don’t have to give me anything in return. I guess that’s what we call advanced capitalism.

  6. Ok…just for the record this is messed up but I’m hoping this will help for the future.

    I worked at an insurance brokerage before my baby and had to explain this to Dr’s offices approximately 80 bazillion times using small words and a lot of patience.

    HSAs, FSAs, and high deductible plans are not all that uncommon anymore. They really need to understand that you cannot pay at the time of the visit in the same way that they would not receive a check from your insurance company on the same day you were seen. They need to pretend you have a $0 copay (because you do!), bill the insurance company, let the bill process through the insurance company, and then bill you the insurance allowable rate. This is all done in less than a month usually but even if it’s not dr’s offices are used to waiting for months for insurance payments. This is the same thing except written by a personal check from you instead of the insurance company.

    Stand your ground. Ask to speak to the billing person. Inform them that their contract with Blue Cross/Blue Shield indicates that they will accept this billing structure. If they refuse to see you, report them as they are violating their contract and trying to steal from you. If your insurance is through your husband’s company try to speak to an HR rep there and see if you don’t have a broker that you can use to fight insurance battles with you. They get paid to it and have a lot of insider contacts that can often magically turn 48 hours into an afternoon miracle.

    Just so you know for next time! It in no way excuses this time. It seems like a boatload of fail on every provider’s part.

    1. Wow, thanks! That’s really helpful, and it totally makes sense. Love this, too, because I’m a big fan of reporting people to any and all authorities when they do me wrong. Potentially useless, but it gives me a certain feeling of satisfaction.

      Thank you! I love to be armed with information, especially when people have apparently been counting on me NOT having that information!

  7. I’m sorry you had to go through that. Insurance companies are something that really just get me pissy. I’m currently in a similar situation where my insurance company is not paying for ANY of my pregnancy related appointments due to not having proof I was insured prior to switching companies. Only, we’ve faxed it 5 million times. Turns out the rep was just too lazy to actually look in the file, but it’s finally there and getting taken care of.
    I used to work for a general practitioner that was quite possibly the most understand doctor’s office on the block. Don’t have your copay/deductible? That’s fine. Need sample medications? Here you go. Don’t have the money yet to pay for your prescription but we don’t have sample offerings? We’d call the pharmacy for you and explain so they could give you a week’s worth or so until you could pay for the rest.
    And you’re exactly right, a good pharmacist is as wonderful and important as your doctor, especially when you are refilling meds often. Good pharmacist are very lovely people.
    I really hope all this bullshit gets settled for you guys soon. Insurance companies are all just huge dicks who like rough anal sex. (Sorry if that was a little…vulgar)

      1. Gah! How nuts is that? Thank God all that pre-existing condition bullshit will soon end. Most messed up thing ever.

        And I LOVE that there are doctors and pharmacists out there who are willing to help but really? They shouldn’t have to, or should only have to on rare occasions. I mean really, when patients and doctors are doing all the flexing and the insurance companies, with their HUGE profits, don’t? That’s messed up.

    1. I don’t know you and came upon your blog accidently, but cried as it truly broke my heart. So sorry that anyone has to go through what you have been going through. So hope that things get better for you soon!

    2. I think big companies don’t realize that they are humans dealing with another human. I’m so sorry that you have this piled on top of everything else.

      1. Exactly. They’re so busy looking at how they’re doing for their shareholders, they forget that there are real lives on the line. Lacking the few options I have, this could mean Carter would end up in the hospital, or even risk his life. Unconscionable, but of course a corporation lacks a conscience.

        We’ve decided that, if we’re ever REALLY up against it? We’re calling the TV stations. I’m happy to capitalize on Carter’s adorableness in the name of calling out the insurance companies.

    3. I totally feel your pain! My diabetes medications are astronomically expensive and despite what many people think – there is NOTHING I could have done to prevent my diabetes. I am in good shape, I eat well, gym 5x a week, run 3x a week. I do everything I can do depend less on medicine but when it comes down to it? MY PANCREAS DOESN’T WORK – why the fuck would I CHOOSE for that to happen? I’m so sorry for all you and your family are battling to be able to care for Carter – it simply isn’t fair.

    4. No parent should have to go through having to try to figure out how to make it through something like this.

      Bureaucracy infuriates me like nothing else. Being forced to jump through hoops to help keep your child in a good place is disgusting.

      There should be far more kind people like your pharmacist.

      May that reimbursement check arrive soon!

      1. Thank you! The second woman I talked to was so kind and really wanted to help, but she just couldn’t. That’s so frustrating, when good people have their hands tied because the company isn’t thinking about anything but profits.

    5. Oh my…I feel your pain here. We’ve had similar tussles with the ins. company (also a BCBS company). My oldest needs meds that are quite expensive, even with a copay from the insurance. We base our whole budget around these meds…and the meds are worth every fucking penny, believe me…but we’ve had to put up with unbelievable shit from pharmacies and doctor’s offices. I, too, have had the preventative medicine lecture from an ins. rep. I asked how, exactly, was a genetically aquired illness preventable? Was she suggesting that I go back in time and not have this particular child? Or was she suggesting I take him out back and shoot him? Oh, and could she check and see if this call was being recorded for “quality control” because I’d like to speak to her supervisor and let him or her know that this insurance company was advocating childlessness or killing off the “non-perfect” children who had the audacity to get ill.

      Ever since then I’ve gotten much better customer service from these folks. Heh.

      1. Good for you. I find, too, that drawing out their line of reasoning to its logical conclusion can be effective.

        Americans just love to spout personal responsibility rhetoric. We’re very fond of taking good ideas way, way too far. We also like to throw the baby out with the bath water.

    6. I firmly believe healthcare and education are basic human rights. What you and other Americans have to go through blows my mind away. I hardly have any words for it.

      Canada is underpopulated. I’m sure we’d welcome your family.

      1. I am collecting Canadians so we’ll have lots of people to vouch for us when the time comes for us to move. Can I count on you? 😉

        I quit my job because Carter needs me at home, but really? Dealing with all the administrative stuff that his illness and its care requires is almost a part time job.

        1. Consider me a “Collected Canadian.”
          I hurt for you so badly, I don’t know what I would do in your shoes. Even though most drugs aren’t covered here, all dr appts are as well as the frivolous stuff like MRIs, lol. Also, a good employer will have a drug plan that covers anywhere from 80-100% of any prescriptions.
          Come to our neighborhood as soon as you can!

          1. I really, really hope so. What people who oppose reforming the US healthcare system don’t understand is this: a HUGE percentage of every dollar we spend goes to administration. Our system is horribly complicated, whereas your system, while not perfect (of course; no system is perfect!), is much simpler. So a much higher percentage of what Canadians spend on healthcare goes to actual healthcare. Here? It’s all going to people whose job it is to argue with frustrated customers and doctors!

        2. Hey– I am so sorry for you. I hate insurance but it’s a need not a want thing! Also, I actually do understand a little of what they meant by frivolous medical care though. My dad had his stomach tube tied up – or whatever you call it when the tie it up to make you eat less and lose weight. Well, he lost weight and all is great and it will benefit him in the long run, and I am thankful his insurance paid for it… except that he and his doctor worked together to get insurance to pay — his insurance needed doc approval that my dad had tried to diet, exercise first and that it didn’t work. The doc and him worked it out so he did not diet nor exercise – instead added a little weight on – they did that for a couple months and the doc approved it – encouraged it – and my dad didn’t care– he had tried many diets before – but never stuck to any– he ate poorly and drank way too much – and was lazy really. I’m not bitter, I love my Dad. But they pulled one over the insurance companies head and got away with it. I know most cases are SO not like that — but I am sure they do exist. I just had to chime in on that — as much as I hate our insurance – and I get screwed too– who loves their insurance? Hmmm,no hands. It’s just a system. Systems usually suck.

          1. Oh, I know that abuses exist. I just think they’re a tiny expense in proportion to the insurance companies’ responses. They’re being penny wise, pound foolish.

        3. I’m so sorry. It’s hard to have all that stress on top of everything else. We don’t do the flex spending account for this very reason. It’s unfortunate too because if you were just totally broke you could get Medicaid and have it all paid for 100%. The irony of this country is incredible.

          1. Yeah, we’re definitely in that income bracket where things are most complicated. Too much money for Medicaid, not enough money to manage well without help.

            Which is ridiculous, really. I’ll never reveal any real numbers in public, but Brian has a good income. We should be able to swing this business of me not working, and we could if healthcare wasn’t so exorbitantly expensive. Such a complicated mess.

        4. Pingback: This post involves lots of cussing and bold words | Dino Momma

        5. oh adrienne…i’m so sorry that this is happening to you. where is the common sense in these “higher” ups? is it cost effective for them to pay for hospitalization when meds could’ve prevented the problem? i struggle with the same kinda shit, only way not so devastating, cause my insurance doesn’t cover the preventative care…pay for smoking cessation help? nah…let’s just wait til you have lung cancer and then maybe we’ll come on board.

          i’m prayin for ya! and i know you will fight the good fight and not let the bastards beat you down!

          1. Thank you, and yes, I think that SO many of their decisions are penny wise and pound foolish. How silly, to charge us SO much for meds and risk further deterioration or hospitalization! It’s the same thing with them refusing to help people quit smoking. Or one of my favorites is, our insurance won’t pay for you to see a dietitian for the purpose of weight loss, unless you have diabetes. WTF is up with that? Silliness.

        6. I have nearly had what my mother would have called a “shit-hemorrhage” over some of the things various health plans have pulled on me. One was to send me to collections for a bill I had paid on time. A plan rep. said “Oh, we applied that money to something else.” Like what? Your groceries? I didn’t owe anything else.

          That’s not the only incident. There are clearly pencil necks making medical decisions (not approving a med) because of cost when they have no medical background what so ever. But hey, overhauling health care is socialism.

          1. Oh, I know! For them, it’s all about paper and dollars and bureaucratic bullshit. Down here on the ground? It’s about sick people who need help. Nothing else.

            And socialism? Yup, us serfs would damn well prefer socialism because the system as it is now serves only to protect the money of the top 5% of people. You know that show Hoarders? I’d like a new one based on the people who are hoarding all the resources. It’s just as twisted and pathetic, but I guess if there are no flat cats involved, it doesn’t make for good TV.

        7. Sorry to post twice in a row, but I thought about this some more. It is extremely presumptuous for an administrative person answering a phone call to think that she or he as any ability to comment about preventative medicine, personal responsiblity, frivolous use of health care, or healthy life style. How could that person possibly have the information, which is highly subjective, to say anything about this? I have sensorineural deafness. I didn’t cause it. No thing, no one, on this earth could have either predicted or prevented it. Surgery was expensive. It will be a life-long issue. The insurance companies don’t even get this.

          1. Silly! Only a non-blogger would apologize for posting more than once. We bloggers live for two things. First? The writing, but a close second? Comments. The comments are balm to the validation-hungry blogger’s soul.

            I think that what you’re talking about is actually a HUGE cultural issue. We Americans WAY overestimate the power of individuals. It’s why our social programs are all so punitive, why we have so little paid leave compared to other first world nations, and why our healthcare is so lopsided and terrible. Parenting a child with a mental illness has really put it in sharp relief for me. No matter how often I point out that Brian and I are very average parents who have 3 healthy, well-adjusted children, some segment of the population needs to be convinced we caused this. This bullshit mythology about personal responsibility drives people’s attitudes so much that our public policy reflects it to the point that Clinton’s welfare reform act had personal responsibility right in its name. People don’t want to believe that bad things can happen to good people.

            Aaand did I just go off on a tangent? I think I did. Anyway, love you! Oh, and CYE.

        8. Have been there with the flex plan people. Have been there with the copays. Have been there trying not to scream at people on the phone because our out of pocket for my daughter’s psychiatrist has now piled up to an amount that is more than I make in a month.

          We too have a deductible and free preventive visits. Everybody at the company talks about what great insurance it is — until your kid needs a lab test that runs over $500 and isn’t covered, or a prescription med that’s not covered because its “experimental.”

          I have learned to hate the U.S. Insurance system. Hate. Loathe. Despise.

          I hear your anger. My head is exploding on your behalf.

          1. Hate, loathe, and despise. Yup, that about sums it up. I hate that you’re going through the same thing. I hate that our system punishes people who are ill.

        9. Oh good lord on toast…

          How infuriating. I ache for you.

          If you need me to scream on your behalf at anything…postmen, door-to-door salesmen, inanimate objects… just to vent some frustration into the universe, let me know.

          Many many soothing thoughts your way.


          1. Thank you, friend. One thing that drives me out of my head is, you never get to talk to the real assholes, you know? The person in the phone is always someone just like me – a person who’s drawing a paycheck, trying to get by. I kept wanting to scream at her but really? It’s like when I was a teenager and worked in a movie theater. People would complain about the cost of their movie ticket or popcorn when I was just the kid who ran the cash register and made $3.35 an hour. No use yelling at me.

            What a messed up system. And some people don’t want reform; I can’t even get my head around that.

        10. Back in 2003 I had a horrible health insurance plan and of course a high risk pregnancy. My doctor’s office made me “pre-pay” for my delivery even though I had met my deductible for my insurance. Then after the birth I had to request to be paid back by them. Shows the doctors don’t even trust the insurance companies.

          I now have a great HMO where I pay a copay only. No limits, no deductibles, etc.

          And yes, I know I’m lucky. But we also pay a lot for it.

        11. My stomach and heart and head all ache for you.

          Carter is lucky to have you to fight on his behalf. So many people have no one at all who knows how to fight. Or they just have no one at all.

          Much love to you. Much love.

          Give them hell.

          1. Thank you! You know, that always bothers me – the people who have no one to fight for them. What about families without decent insurance? Without education? Whose native language isn’t English or Spanish (or whatever are the primary languages in a region)? And worst of all, the people who are all alone?

            It breaks my heart.

        12. Yep, this post really shows just how messed up things are.

          My comment would be quite lengthy if I went much further. I fall into the category of people that don’t have enough money to get health insurance but make too much to get the kind that the state or government helps you with. That’s a pretty much not so pleasant place to be, too.

          I sure hope this is all worked out for you guys by now. <3

          1. Thank you! Yes, we finally got things square for now. Our flex pay card works again and everyone has all the meds they need. The whole thing makes me so incredibly angry – for my family, yes, but for our whole society, for the people like you who are in that terrible gap. Thank goodness we have the barest beginning of change; I’m hoping and praying as hard as I can that that there is much, much more to come.

        13. AMEN!!! My hubby has diabetes and even with our wonderful BCBS his meds are still astronomical. It’s not like Diabetes can be prevnted considering his father, both granfathers, his sister, his aunts, his Uncles and i’m sure, every dog he has ever owned has it. However, it appears that everyone including yourself has expressed all my setiments exactly, so, rather than repeat what has been said, I will just pack you on the back and say “Bravo”. Can’t wait to see you on Oprah!!! Hugs!

          1. Ah, yes, my great Oprah debut! 😛

            People really, really hate powerlessness. We’ll do about anything to maintain the idea that we have ultimate control over things, won’t we? Strange habit we have considering the chaos all around us.

        14. Crapity crap crap!

          This is one of the reasons why we’re planning on moving to Israel. My rabbi used to live there with his wife and 10 (count them, TEN) children. The total monthly cost of their insurance?

          $90.00 a month.

          For a total of 12 people.

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