Thursday, August 6, 2009

Health Insurance

Since DH is graduating this month, his health insurance will be ending. Even though it's been paid for through the end of the month, the school is cutting it off next week, because he's technically no longer a student next week (his advisor isn't very happy about THAT, since she's the one who paid for it). So we've applied to add him to my policy.

I've had this policy since Nov. 2007, so almost 2 years. They called me today with some "medical questions from the underwriters" - questions about MY medical history, even though I've been on this policy for almost 2 years now! They were asking about 2 prescriptions I had had filled in July 2006. July 2006? That's THREE years ago! One prescription was for Valium when I had Lasik surgery, so they weren't worried about that one. The other was for a drug that's often prescriped for psychosis. I didn't know that at the time it was prescribed for me. I had been suffering from chronic headaches and finally went in to see a doctor. He immediately prescribed this nasty stuff. I took it for about three days. It made me dizzy and uncomfortable, so I threw the rest out. I've never taken it since, and I've never gone back to that doctor. (What kind of doctor prescribes medication like that to someone in her twenties FIRST THING anyway??) Two months later, a chiropractor solved my chronic headache problem without drugs. I haven't had chronic headaches like that since, but the nurse on the phone wanted to know: How long had I been having the headaches before the medication was prescribed? What is the dose of my medication now? How frequent are my headaches now? Have I ever been hospitalized for headaches? Etc.

What I don't understand is why they're asking these questions NOW. The headache problem has been gone for almost three years now, I've been on the policy for almost 2, how is this information relevant? I could understand if I were applying for a new policy, but I wasn't. As a matter of fact, the application is for MY HUSBAND. They didn't ask me a single question about his medical history.

I figure that they're going to totally mess up my policy. They may or may not add DH, but they'll drop Z (because he wasn't listed on the application because, again, it was simply an application to ADD SOMEONE), and they'll raise the premiums because of this "pre-existing headache condition". If they do, I'll call and complain, and then drop the policy as soon as the health insurance from DH's new employer kicks in. They'll think I'm dropping it because I'm dissatisfied with their service, and while I would be, they don't have to know that's not the reason I'm dropping it.

(Before I publish this though, I want to add that I would MUCH RATHER go through this than be on Obama's health care plan. A bureaucrat may decide whether to insure me or not, but I don't want bureaucrats deciding whether to approve a procedure or medication for me, thank-you-very-much.)

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1 comment:

ehart said...

Insurance companies--legal thieves and high school grads who tell you and the doctor how to manage your health. UGH!