Health Insurance is a Bunch of Crap!

I honestly don’t get the point of insurance. You pay this ridiculous monthly payment every month for shitty insurance with a $2k deductible which means they won’t pay shit until you accrue that amount in medical bills that don’t pertain to immunizations or regular check ups. I figured pregnancy would have a lot paid for it since most of this shit is required to have/do while pregnant. Nope, my 20 week ultrasound bill came and insurance only paid $92 out of $557! So now we’re stuck paying $464 dollars, oh boy! Now I understand why most people who can’t afford kids have no problems having kids. They’re on state insurance so everything is covered. May seem harsh but it’s true.

When I had my first ultrasound to see if I had ovarian cysts, which I am pretty positive I did even though the doctors said I was ovulating (at that time I was newly pregnant, we just didn’t know). But anyways, I had to pay $500+ for that ultrasound. I figured it was because it wasn’t a mandatory testing but one to ease my mind. If I would have known this at the time, I would have suffered through the pain because it eventually went away after getting pregnant. My husband wasn’t positive or didn’t know what insurance would cover so I went ahead and went with it. /Sigh.

We redid our insurance for this coming year, only it’s still the same, otherwise if we bump up to the next one with better coverage, we’d be paying $600+ a month in just health insurance for both of us. I don’t know how they think people can afford this shit, which is why we’re stuck with the crappy one again. This time though, we’re putting $2k in a medical spending account that way we don’t get taxed on it and we can just pull it out when needed to cover our $2k deductible. Hoping that our birthing bill isn’t insanely ridiculous, but I guess that’s the price you pay to have precious babies.

Thanks Obama, all you did was make politicians and insurance companies more rich. Asshole.

Do-you-not

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3 Comments

  1. March 17, 2015 / 7:45 PM

    Just as a heads up, your situation is not everyone’s. My child has state due to a disability and we’ve got $40k in medical bills. We chose to have a second child. We make it all work. Our insurance and secondary insurance is terrible.
    I wish you lots of luck and love on your journey- I love following you… I just want you to know that everyone on state (or with kids on state) don’t get some magical free ride. We pay out the tail end.
    Chelley @ AisForAdelaide recently posted…Dear CamilleMy Profile

    • Jenny
      Author
      March 17, 2015 / 10:45 PM

      That is true, not everyone’s situation is the same but I SAS referring to mainly my siblings who have state health insurance. They don’t have to pay a thing. So that’s what I go by when I think state health.

  2. Robert Tanoto
    April 9, 2015 / 11:17 PM

    In my opinion this bunch of insurance always overshadow our kind of lifelyhood manner to whom we hold an hillarious norm conduct. We are what we perceive and i personally agree to the aforementioned ahead.

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