Some thing has took place that I could never have imagined. Anybody in the U.S. That purchases medical insurance were divided into the "Haves" and "Have not" classes.

I worked in company the usa for decades and i used to be usually capable of access a terrific doctor, pay my "co-pay", get something care that turned into needed and pass on to the next object on my "to do" listing.

Now that I started out my very own business, I now not have an "business enterprise backed organization plan" for my health insurance. I now have insurance that fees $600+ in keeping with month that i can apparently have terrific trouble getting to use.

 

In case you are fortunate enough to "have" an organization subsidized organization plan, you will have better get admission to to the use of your insurance. If you "have now not" this type of plan and have an character plan both due to the fact you very own a small business or your corporation no longer sponsors a collection plan; my sympathies are with you.

 

I rarely get unwell. (Knock on wood.) ultimate year, I went to my health practitioner who i have had for 12+ years with my "new" health insurance and become told by means of the receptionist that they conventional my coverage so I gave them a $25 take a look at for my co-pay. I simply needed to renew prescriptions. Upon leaving, i used to be notified that they did not accept my coverage and i might want to pay a further $175.00 further to the $25 test I had already given them. They gave me the paperwork to get "reimbursed." I despatched it in to the insurer the identical day. I used to be by no means reimbursed.

 

This yr, I were given a distinctive business enterprise who had my health practitioner indexed as a preferred company on the insurer website. I have a PPO plan. I referred to as my health practitioner to make an appointment and turned into instructed that she became no longer accepting coverage and would be transferring to a "cash only" provider in about a month. The receptionist said she might make an appointment for me if I had an organisation subsidized institution plan in any other case they were already only offering their service as cash simplest. I might should put up office work for compensation. I asked how tons it'd cost for this "cash" appointment. She stated she had no concept but sooner or later said "possibly" $80 after I pressed her for a solution. The identical appointment price $200 remaining yr so i am guessing the prices have now not been decreased this year.

 

This is not an isolated incidence. I've pals telling me the same story. I get it! The doctors are bored to death with dealing with coverage carriers that pay pennies at the dollar for services rendered. They also would possibly must wait months to even get that money if the office work submitted became finished efficaciously.

 

The concept that i've medical insurance and might see the medical doctor of my preference and pay a sure co-pay is a comic story. The healthcare machine is absolutely damaged. I simply desire I don't get ill!