|
|
|
|
Equine insurance provides extra levels of protection compared to many other forms of animal insurance. Find out why it's an essential for all horse riders.
|
New Today: 12 Last 30 Days: 393 Total Published: 9,510 Total Pending: 195 Contributing Authors: 2,815 Article Views: 5,591,257
|
|
|
|
Articles » Finance » Insurance » Man Goes Psycho Over Cost of Health Insurance
|
|
|
|
|
- Article Views: 445
- Word Count: 981
- Date Contributed: Feb 25, 2008
|
|
- -
|
| Man Goes Psycho Over Cost of Health Insurance |
I’m hearing voices again. It happens every month when my obscenely large health insurance premium is due. It feels like there are two birds, one sitting on each shoulder, talking into an ear. On one shoulder is Frustrated-Cynical-Warbler, who is telling me that enough is enough, it’s time to stop being a fool and drop the health insurance. On the other, is Overly-Prudent-Squawker, who is telling me if I drop it I’ll lose everything I own and die from an easily treatable ailment.
It’s not fair. Other people who hear voices get talked to by Jesus or Julius Caesar, or at least Elvis. Who do I get? Two birds who want to talk about affordable health insurance. That’s sick. I’m going to do something about it right now.
Ok you two birdbrains, listen up. You’re going to settle this whole health insurance thing once and for all. Put on your boxing gloves, or razor blades, or whatever it is you use when you mean business, and have at it.
Frustrated-Cynical-Warbler comes out swinging. “You never get sick! What do you need health insurance for? Look at your father, he lived to 103 and wasn’t sick a day in his life. He’d still be with us if it wasn’t for the mountain climbing accident.”
Overly-Prudent-Squawker punches right back. “Genetic pedigrees have nothing to do with it! Accidents and illnesses happen at all ages. Your feelings of invincibility and positive mental outlook don’t change the fact that no one knows what tomorrow will bring. It’s just whistling in the dark.”
That was pretty weak, Prudent. Round one goes to Frustrated.
Frustrated keeps Prudent on the ropes. “Do you know that a hospital cannot deny you emergency medical care? It doesn’t matter if you have insurance or not, they have to treat you. Don’t be a chump. Why pay when you can get it for free?”
Prudent slips away from the ropes. “Free? Are they going to say you don’t have to pay the bill? No! They’re going to send you a bill so big it will be delivered on a pallet by a fork lift. And when you can’t pay, they will garnish your wages and place a lien on your house. And what about non-emergency illnesses that aren’t life threatening? The hospital can and will send you right back out the door. They don’t have to treat you. But don’t listen to me, I’m just being overly prudent….”
Alright already, you made your point. You don’t need to be melodramatic. Round two goes to Prudent the drama queen.
Frustrated is undaunted. “Look at this health insurance premium! How many years have you been paying it? Month after month, and for what? Nothing! You never get anything! You pay and pay and get nothing back.”
“Oh, this is classic,” says Prudent. “You want something back? Would it make you feel better to have a nice heart bypass surgery, or at least a hemrhoidectomy, so you know you’re getting your monies worth? You pay for car insurance. Do you want to have a wreck so you get something back? Or maybe your house can burn down so you get something from your homeowner’s policy.”
Sorry Frustrated, you’re starting to get your butt kicked. Honestly, I was expecting a little more out of you.
“Oh, you were, were you? Well just watch this. Do you know that your health insurance premium has gone up over 100 percent in just the last 4 years?”
Prudent takes that one on the chin and her eyes roll to the back of her head. She goes down hard. Hello, Prudent, can you hear me? Are you there? Do you have anything to say about all these rate increases? Wait a minute. Her mouth is moving. I think she’s still got some fight left in her.
“Are you my mommy?”
Great, my health insurance rates are going up faster than hot air at a political convention and you’re looking for your mommy. I don’t think I need to tell you that you lost this round.
“I’ve got the perfect plan,” says Frustrated. “You cancel your health insurance, wait until you get sick, and then re-apply.”
Overly-Prudent-Squawker makes it back to her feet. “Wait until you’re sick before you get insurance? I’d like to hear that phone call…‘Hello, Blue Cross, good news, I’m ready to sign up. Can you send over an agent? I’m at St. Vincent Medical Center, room 311. And can you make it snappy, they’re taking out my spleen tomorrow morning.’ Somehow I don’t think that’s going to work very well.”
Frustrated punches right back. “The health care system is broken, and every time you pay your premium you are supporting a broken, unfair system. Is that the type of person you are? Are you afraid to fight?”
“Yeah, that’s great,” says Prudent. “We’ll show them. We’ll move to Montana and live in a bomb shelter and declare ourselves a sovereign nation….”
Stop! Stop! This isn’t working. You two are just trading punches and nothing is getting resolved. And you know what else? I just realized something. Affordable health insurance isn’t my only problem. You pests are my problem too. Every month you haunt me with your incessant squawks. You use my head for your own private ping pong table. Well, I’ve got some bad news for you. You weren’t able to make my health insurance problem go away, but my health insurance is going to make you go away. I’m going to use this insurance to see my doctor, and I’m going to tell him about our little monthly get-togethers, and he’s going get a worried look on his face and frantically scribble notes on my chart. And then—drum roll please—he’s going to give me a prescription for some really strong pills that will make you two disappear forever. Ha!
About the author: Tim Patrick developed http://www.HealthPlanInfo.com to give consumers an easy-to-use website where they can find and apply for affordable individual & family health insurance.
Article Source: UnArchived Articles
|
|
|
|
|
