The useless state of todays medical insurance.

So I read an article, the number one cause of bankruptcy in USA? Medical debt!

And you know what I think about this! It is because of the horrendous amount of crap one must endure to figgure out medical bills and confusing insurance claims. None of them make sense, none of them are written in plain english.

Get this, I recieved a collections notice for services rendered last year. So after the initial WTF!! OMGYUPOS! I started digging. And this is what I found.

The claim was for a Dr. whom I have seen numerous times. (but due to this, and other reasons, will NEVER GO BACK THERE AGAIN!). And she is in network. But for some ungodly reason, the insurance company processed it as out of network (so in essence go impale yourself on a blunt object and pay the full price out of your bodily orfice).

Then they re-processed it as in-network. And supposidly sent ME a check for this in-network Dr. Needless to say, if I did get the check, it was mixed in with my flex spending checks, and I had no clue they sent it to me. Instead of sending it to the F-ing provider!

So then flash forward, now the collection agency is demanding payment, and it has taken me three days of trying to figgure out what the flaming poo happened.

Now I have to pay the collection agency and all I want to do is scream and say all of this is such a hemmroid that it just makes me so pissed that NO ONE can do their job right, and in the end I have to somehow "fix" everything in some sort of a rush before they threaten me with all this rediculous crap that sounds like I am trying to screw them out of a million dollars!

In short, I HATE healthcare! I HATE insurance language and medical biling is such a joke, I want to tear someone limb from limb! Somehow average Joe americal gets screwed every time because we are supposed to be all knowing and versed in the secret codex of medical billing!

GRRR....