J honey, when the computerized voice asks you a question, try talking in jibberish. After a few times of hearing the computer say "I'm sorry, I did not understand you....", it will eventually say "I am transferring you to someone who can help you.
Ive done this a few times. I chatted away in Chinese *really fast*, saying things like "pork fried rice, sweet and sour chicken, ig black sig black fleeng man choo..." or sometimes I will use Pig-Latin. And THAT is a true story
I would have to say that my biggest frustration with my insurance company is when I have questions (more than just basic) I will get an answer, but it doesn't seem right to me, so I call again and get someone else, only to get a different answer. So which one is correct? I say, the one that benefits me the most! lol
Oh, I didn't use to have to pay a co-pay when I had an MRI or CT scan, but now I have to pay a $250 copay for each!! Wtfooboo? lol So I found a way to beat their system - I applied for financial assistance at one of our hospitals (because of previous surgery) and I qualified for 100% coverage for the entire year. SO, from that point onward, if I needed an MRI, I told my doc that I needed to have it done at a certain facility and that way I didn't have to pay the $250, the financial assistance did! So screw you, insurance! lol
Other than that, I've been fairly happy with my insurance - sure beats having none!
Forgiveness is letting go of the hope that the past could have been any different --Unknown
Mine would be : 5) Lack of providers who take our insurance.
* * * THIS is my biggest peeve right here, there are only a few docs in town or in my county for that matter that accept my insurance, and most are quacks which leads to my next peeve. * * *
6) Lack of GOOD providers who take our insurance.
* * *And when you pay extra for the "GOOD" insurance that covers the "GOOD" doctors, everything else is so ridiculously expensive in co-pays that it doesn't matter anyway because whatever that Dr rx's or refers you won't be able to afford anyway! * * *
7) Getting the runaround when all you want to know is if something is covered or not by your insurance.
* * * Gone through this many times... * * *
10) Lack and/or cost of coverage for certain procedures. yep!
9) THE COST OF PRESCRIPTIONS!!!! (Although that most likely is out of their control.)
* * * this one pertains more to my kids than me because w/my medicare xtra help my meds are really cheap, but my kids insurance requires a $150 deductible so there were/are many times I can't get the medicine they need because simply cannot afford them, so they go without... * * *
So they're going to force everyone to have "health insurance" problem is everyone's then probably going to have crappy insurance that still won't cover a lot or have crazy co-pays and be basically worthless anyhow
I used to have a PPO, co-pays on everything, drugs cost me $20-$40 or $60. Urgent care cost $50 and ER cost $250. High deductable and monthly charge for having the insurance.
We switched to a HSA PPO. The monthly cost has went up, we have a deductable of $2,500, which is what our deductable used to be anyways. The employer puts in $300 cash for us to use on our Dr. bills, meds, ect. Which isn't something that the employer did before. Once we reach our deductable EVERYTHING is free. So right now I will be billed by my Dr.s and will have to pay cash. So we will reach our deductable really fast and plus the $300 a month from the employer helps too. Also, right now, before we have even met our deductable, our perscriptions costs have went WAY down. Im talking like $3 to $70 each. Most of them cost between $3 and $20. I don't exactly know why this costs us less in the long run, but boy am I happy it does. It boggles the mind.
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