Working Around the Insurance Companies

A friend is on vacation this week, and she’s having fun, despite having to shave some of her medications every 2 or 3 days. Here’s the deal;

She has medical insurance through her former employer, the same medical insurance she had while she was working, but since she’s retired, the actual insurance company has changed. Apparently, this new company wants to ‘save’ every penny it can. No matter what the cost to the people who rely on them for help with medical bills.

My friend was diagnosed many, many years ago with chronic depression. After taking antidepressants and getting counseling for several years, she felt she had it under control and her doctor helped her wean herself from the antidepressants. She did well for over a decade.

Almost a year and a half ago, she realized the depression had snuck back into her life, and she asked her doctor to prescribe some antidepressants. There were some new ones available that he thought might be a good fit, the insurance company (at that time, the old one) had no problems approving them.

The insurance company changed, and the friend felt that particular antidepressant wasn’t working well, so her doctor changed her prescription. The insurance company threw up all sorts of road-blocks; ‘This drug is a level 2, and should not be prescribed without a clear indication this strong a drug is needed’, and who knew what else. Happily, her doctor and pharmacist argued with the insurance company on her behalf, and eventually, she got her new antidepressants.

All seemed to be going okay, although she still felt more depressed than not after several months. When she mentioned that to her doctor, he agreed to up her dose. She had just refilled her prescription based on the old dosage, and simply increased the number of pills she took each day from 2 to 3. Realizing her insurance company would need to ‘approve’ this higher dosage, she called her doctor’s office a FULL WEEK before she needed more pills so that the change could be made, and (she hoped), she would be able to refill the higher dosage without any problem.

She had to go for 3 days without any antidepressants before the insurance company finally approved the change in dosage. Once she started taking her pills again, it was a full week before she felt she could function.

When she realized she would be on vacation when it was time to refill her prescription, she cringed at the idea of fighting with the insurance company over an early refill. She would get home only 2 days AFTER she ran out of pills, but she didn’t want to go completely without for 2 days, and be unable to function for 4 or 5 days after that. So she’s been carefully skimming her dosage down to 2 pills every 3rd or 4th day, and taking the full dose of 3 pills the remaining days. On those days when she only takes 2 pills, she returns to her room a little earlier, in case some fogginess overtakes her as her drug level dips, and the following day, she may start her activities a little later, to give that drug level a chance to start raising.

She thinks she’s exercising some control, but the fact is, the insurance company has won. They have become the de facto death panels.

Tangled Web

A friend of mine was recently wondering how she could make a few extra bucks. A lot of people are, these days.

My friend is usually pretty savvy about all these ‘work at home’ schemes you see advertised on the internet. She’s looked into a lot of them over the years, and she’s learned to ignore all the hype. But this one didn’t have all that hype, it all sounded very above-board and fairly believable.

She signed up. She got a $5.00 bonus for doing so, and was promised she would be paid – yes, actually paid – for every survey she completed.

The next day, she sat down, intending to spend an hour filling out surveys and see how it went. After 2 ½ hours, she finally had enough and signed out of that website. She had made 50 cents, and isn’t sure how she had done that. When she calmed down, we talked about her latest experience.

“It had me fooled at first few,” she admitted. “After a while, I realized they were all yes-no questions; Do you suffer from back pain? Do you have allergies? That sort of thing. Then I realized that every time I answered ‘yes’ to anything, I was shunted to another ‘survey’. And that survey was set up exactly like the first, even asking the same questions. So if I answered ‘yes’ to a question in the 2^nd ‘survey’, I was shunted to another survey.”

“Sounds like it would be impossible to make any progress,” I suggested.

“Right. So I stopped worrying about giving ‘honest’ answers, and just answered ‘no’ to everything. Then I got to the end of one of those ‘layered’ surveys, and I was asked to choose 2 of the following wonderful offers.”

“Uh oh.”

“You know it. First, they didn’t offer anything I actually wanted. Second, if I had chosen even 1 of those ‘wonderful’ offers, I would have paid out far more than I would make on the survey. And third, if I did NOT choose any offers, my survey was not considered complete.”

“Bummer.”

“Yeah. I should have known better. Lesson learned. Again.”

She’s still looking for a way to make a few extra bucks.

What a Politician!

I call myself an Independent, because I don’t completely identify with either party. Most times when I vote, I’m voting against the one I think is the less desirable, rather than anybody I actually like.

So, Romney’s been visiting overseas. Apparently, he’s trying to show the American people that he’s ‘ready’ to be President. I’m not impressed.

He hasn’t managed to impress the people of the countries he’s visited, either. He stepped on toes (verbally) in England and Israel. When he tried to avoid any more problems by keeping his mouth shut (except for a well-rehearsed speech) in Poland, one of his ‘helpers’ lost his temper and used vulgar language telling reporters to have some respect in the holy Polish location they were in. Seems to me if the Polish people were insulted by the reporters trying to ask Mr. Romney questions, they would been even more insulted by the language used by Mr. Romney’s helper.

I did hear that the candidate’s assistant later apologized, but I have to wonder … did he apologize to the reporters for having lost his temper? Or to the Polish people for using such language in their sacred location? Is he still a member of Mr. Romney’s staff?

In my opinion, staff members are extensions of the candidate. If a staff member does something truly embarrassing, then I wait to see what happens. If that staff member faces consequences, that gives me a clue where the boss stands. If the staff member doesn’t face any consequences, then the boss is condoning whatever the staff member did.

In any case, I’m not thrilled with the prospect of having a president who insensitively insults some of our best allies. How would he treat countries we aren’t that close to?