If it weren't for bad luck, I'd have no luck at all - Sitcoms Online Message Boards

dawsongirl · 04-14-2005, 11:00 PM

I am so upset and depressed. Okay, so I don't get insurance thru work, so I have to buy my own. Well, the stuff I had was worthless. It was supposed to pay for 2 doctor's visits, but it paid for none. And it went up to $2000 a year. So now we're shopping around for something else. Of course, it really doesn't matter, because it's all overpriced and a waste of money, but I'm afraid that either I won't be able to see a doctor without it or something will happen that we won't be able to afford. Last night, this dude comes to our house to show us a plan. He's showing us a prescription brochure and I look at it and my mom nonchalantly asks if mine is on there. Then the salesman asks what I take. I tell him Paxil. He asks what it's for. I say anxiety. He asks if I'm seeing a doctor for it and if I've been clinically diagnosed. Well, DUH, but I say yes. He then tells us that I probably would get denied because I have anxiety. Then a friend of my mom's, who is also in insurance, tells her virtually the same thing. Excuse me?! I have anxiety, and suddenly I'm a huge expense risk, like people with cancer or chronic diseases. Do these companies not understand what anxiety/depression is?? It's a disorder, not a disease. All it costs me is one doctor's visit a year and 12 months of pills. But suddenly I'm like a person with 15 bankruptcies and a bounced check trail a mile long. All over something I can't help. It's a damn chemical imbalance, you &*!@$^&5s.

It actually made me cry because these people are mean and I already felt like a loser because I can't get a full time job with benefits. I took what I could. I hate this country and its completely ****ed up health care system. I might as well just get sick and die for all this government cares. It's cheaper that way.

TripperFan · 04-14-2005, 11:33 PM

I know how you feel. I got turned down for life insurance at work and the only reason they gave was because I had rheumatoid arthritis!! As if anyone has ever died from that. Gimme a break!

Mijada · 04-15-2005, 10:21 AM

A lot of insurance companies won't cover pre-exising conditions. Now had you already had insurance coverage and while you were on it you discovered you had this disorder they may have covered you. It's so unfortunate and I feel for you. As much as I love this country, I agree that the health care system here really sucks. I know people who are in their 20's and 30's who are unmarried, have a houseful of kids, no HS diploma and no job who get Medicaid and are fully covered. Don't have to pay for prescriptions, office visits, nothing. Makes me want to bang my head against the wall, it is so unfair.

Rebel Queen 1980 · 04-15-2005, 10:55 AM

Well it's true that sometimes insurance won't cover sometimes.Maybe you
look for help on various web pages about insurance and stuff. I feel that
sometimes but I hope you find help and more comfort soon.

dawsongirl · 04-16-2005, 12:10 AM

I don't mind having to pay for Paxil; I already do anyway. I just think it's ridiculous to get turned doen for health insurance as a whole because of one thing I'm not gonna die of.

Quote:

Originally Posted by TripperFan

I know how you feel. I got turned down for life insurance at work and the only reason they gave was because I had rheumatoid arthritis!! As if anyone has ever died from that. Gimme a break!

That's ridiculous too.

Quote:

Originally Posted by Mijada

As much as I love this country, I agree that the health care system here really sucks. I know people who are in their 20's and 30's who are unmarried, have a houseful of kids, no HS diploma and no job who get Medicaid and are fully covered. Don't have to pay for prescriptions, office visits, nothing. Makes me want to bang my head against the wall, it is so unfair.

My mom's insurance friend told her I should get Medicare. And I probably could, because I don't make much. But then I thought that was rude because I'd be taking it away from someone who really couldn't pay. And then I got all snotty and thought that would make me look poor. Which is a rotten attitude to have.

dawsongirl · 04-16-2005, 12:12 AM

Quote:

Originally Posted by Rebel Queen 1980

Well it's true that sometimes insurance won't cover sometimes.Maybe you
look for help on various web pages about insurance and stuff. I feel that
sometimes but I hope you find help and more comfort soon.

I think I've looked at all the companies around here. I got one bonus in that the clinic I work for had a list of a bunch of them on their website. So I looked at a bunch of them at work.

04-14-2005, 11:00 PM	#1
dawsongirl Member Forum Icon Join Date: Jan 04, 2001 Posts: 53,140	If it weren't for bad luck, I'd have no luck at all I am so upset and depressed. Okay, so I don't get insurance thru work, so I have to buy my own. Well, the stuff I had was worthless. It was supposed to pay for 2 doctor's visits, but it paid for none. And it went up to $2000 a year. So now we're shopping around for something else. Of course, it really doesn't matter, because it's all overpriced and a waste of money, but I'm afraid that either I won't be able to see a doctor without it or something will happen that we won't be able to afford. Last night, this dude comes to our house to show us a plan. He's showing us a prescription brochure and I look at it and my mom nonchalantly asks if mine is on there. Then the salesman asks what I take. I tell him Paxil. He asks what it's for. I say anxiety. He asks if I'm seeing a doctor for it and if I've been clinically diagnosed. Well, DUH, but I say yes. He then tells us that I probably would get denied because I have anxiety. Then a friend of my mom's, who is also in insurance, tells her virtually the same thing. Excuse me?! I have anxiety, and suddenly I'm a huge expense risk, like people with cancer or chronic diseases. Do these companies not understand what anxiety/depression is?? It's a disorder, not a disease. All it costs me is one doctor's visit a year and 12 months of pills. But suddenly I'm like a person with 15 bankruptcies and a bounced check trail a mile long. All over something I can't help. It's a damn chemical imbalance, you &!@$^&5s. It actually made me cry because these people are mean and I already felt like a loser because I can't get a full time job with benefits. I took what I could. I hate this country and its completely ***ed up health care system. I might as well just get sick and die for all this government cares. It's cheaper that way.

04-14-2005, 11:33 PM	#2
TripperFan In God's Arms Now Forum Star Join Date: Sep 14, 2003 Location: Heartbreak Ridge Posts: 12,086	I know how you feel. I got turned down for life insurance at work and the only reason they gave was because I had rheumatoid arthritis!! As if anyone has ever died from that. Gimme a break!
	__________________ If I don't see you in this world, I'll meet you in the next one.....don't be late James Marshall Hendrix Voodoo Chile The Forum Legend formerly known as TripperFan "religion is for people who are afraid of hell--spirituality is for people who have been through hell"---anonymous

04-15-2005, 10:21 AM	#3
Mijada Spencers mom Forum 4000 Club Member Join Date: Dec 02, 2001 Location: eastern US Posts: 4,093	A lot of insurance companies won't cover pre-exising conditions. Now had you already had insurance coverage and while you were on it you discovered you had this disorder they may have covered you. It's so unfortunate and I feel for you. As much as I love this country, I agree that the health care system here really sucks. I know people who are in their 20's and 30's who are unmarried, have a houseful of kids, no HS diploma and no job who get Medicaid and are fully covered. Don't have to pay for prescriptions, office visits, nothing. Makes me want to bang my head against the wall, it is so unfair.

04-15-2005, 10:55 AM	#4
Rebel Queen 1980 Member Senior Member Join Date: Nov 05, 2002 Location: Watching Classic Sitcoms 24/7.... Posts: 1,509	Well it's true that sometimes insurance won't cover sometimes.Maybe you look for help on various web pages about insurance and stuff. I feel that sometimes but I hope you find help and more comfort soon.