*blows the dust off* Wow, it's been awhile. I don't think there's even anyone around to scold me anymore, since they've all probably assumed I'm dead by now. Hey, look! Still breathing!
I guess it's been so long since I posted because a lot has gone on in my life that wasn't really fit to share with the universe. That's still the case, unfortunately, but I figured I'd share something that was funny, non-offensive and not likely to send any minors or family members into cardiac arrest. Well, minus the language part... we all know I'm part sailor.
So the other day I was thinking about how much I pay for insurance (private, since I don't get it through an employer) and, after keeling over sideways and spasming for awhile, I sat up and decided to call my insurance company to see what we could do/change to lower my rates. Now, I have my insurance payments set up on my automatic bill pay through my bank, controlled at MY end, not my insurance company's. Same amount, same date, every month. No worries, right? Well, back in December I called to check on something else and was told I was $30 behind... what? How could I be behind when I actually pay a little over the 'have to' amount every month? Well, it turns out they'd raised my rates in November (for reasons known only to those that work in the mysterious health-care universe... they don't have to tell the likes of ME or YOU, they just get to DO IT) and not told me about it. I guess that whole idea of notification is outside their reality and not to be considered. So anyway. I say fine, I pay the difference, and change my bill pay to reflect the new amount. $290 a month. And this is NOT even for fabulous coverage or anything, mind you. God, $290... even typing it out is painful.
So a couple of weeks ago I call in, as previously mentioned, for that 'how can we lower my rates?' call. I'm told I'm $65 behind. (...) Seriously? What the FUCK? I'm told that my rates went up yet again in January. And, again, WITHOUT TELLING ME. So I'm now at three hundred and whatever a month, right? AU CONTRAIRE! That is what I've been at since JANUARY... it's going up AGAIN, she tells me, in APRIL. To the tune of? *insert foaming-at-the-mouth drumroll here* Another $100 a month. So we're now in the range of $430 a month, come April. All without notice. And all when I've not cost them a fucking DIME. The few doctor's visits I've had have been more than covered by my goddamned premium that they rake in every month, and the one time I had to go to E.R. for something, I had to pay for that OUT OF FUCKING POCKET, so so far? They've collected over SEVEN THOUSAND DOLLARS from me and paid out maybe, oh, let's say $800, max. And they're RAISING MY RATES OVER AND OVER? Oh. my. GOD. I was about ready to reach through that phone and strangle that twit right where she sat. Unfortunately, it's really not her fault. She doesn't set the prices. It sure would have felt good, though. Instead I did the only thing consumers can do... I started shopping around.
For those of you that haven't had to shop for private insurance, let me just tell you that it sucks BALLS. They're all going to fuck you, in one way or another, and so it becomes a case of just trying to see who is at least going to kiss you afterward. And maybe buy you a drink.
I finally settled on a company. I did all the deductible comparisons, picked a plan, blah blah blah. Now we're finally getting to the funny part. I told you it was coming, right? I do try and keep my promises.
So I'm on the phone with this complete BITCH named Jennifer whose job it is to take all my health history information. I find this hysterical, since they then go get your health records, anyway, and all that information is in there, but whatever. I guess they just need to justify giving people like Jennifer a paycheck. All part of the torture, no additional charge. So we're winding our way through approximately 3,012 questions about 'have you ever had diarrhea?', and she gets to the winner...
"Have you ever committed suicide?"
(...)
Seriously. I'm not making it up. I couldn't MAKE up something like that.
I sat there for a minute and then laughed and said, "Um, no, surprisingly enough... I'm still here."
Nothing. I had found, unwittingly, Jennifer's Achilles' heel... bitch was born without a sense of humor. She repeated the question, I suppose because she was bored?, and I said, "I'm sorry, but I have to laugh... don't these people KNOW what they're giving you on those sheets of paper to say to customers on the phone? I mean, really... have I ever committed suicide?" I was literally wiping tears from my eyes and nearly wheezing.
Jennifer was not amused.
I so heart insurance companies.
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