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government
February 2009 
Insurance and Social Security...President Obama Has to Listen!
Posted on Jan 13th, 2009
by 
gina
gina
I have two pet peeves that I am looking to change. I will probably work on these until the life has been taken away from me.
The first one is Insurance.
What is insurance?
The word Insurance was defined in Merriam Webster's Dictionary in 1651 as
1 a: the business of insuring persons or property b: coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril c: the sum for which something is insured2: a means of guaranteeing protection or safety <the contract is your insurance against price changes>
So therefore, we should expect to be covered through our co payments and employer contributions for medical coverage, home coverage, car coverage etc. However, this is not true. Our nation has become so greedy (except with the banks and the creation of money for the conglomarates), that we cannot have the protection that we need for any medical reasons other than what the insurance companies deemed necessary. I use the term "deemed" widely. When I became wary of the insurance industry was when I was working in the Trauma section of our hospital. I worked for trauma surgeons. One incident came across...a patient involved in a motor vehicle accident was severely injured, head trauma and various broken bones. He was in a medically induced coma to help the swelling go down. His insurance company called our office and said and I quote "we are not going to be able to cover his procedures and we deem it is not necessary to have the coma medically induced. We will only pay for his hospital stay up to three days". My doctors had a holy war attack on this company. This young man, after many weeks in the hospital ended up being transferred to a rehab center to regain his walking and speech patterns. Our hospital took the case to court. This representatives in the insurance offices do not have the foggiest idea of any type of injury unless they have experienced it themselves. They are reading it by their guidelines without a shade of gray area. Let alone that they do not have any gray matter between their ears!
Now I will proceed to the next issue.
I was speaking to my daughter the other day and she said that her father was having trouble with her insurance (covered under NYS Child Health Plus...Company Fidelis). First off, they put my name as the responsible party (I don't live up there), secondly, they are refusing to pay for her ob/gyn appointments and her birth control medicine. I will elaborate a little on this one. Birth control serves two purposes: preventing unwanted pregnancies when taken properly and regulation of menstruation, helping to ease the severity in the pain and blood flow. Their reason for not paying for her birth control was this "We feel that it is inappropriate for a child her age (16) to be on birth control!"
Give me a break. Yet it is okay for those children to have a child, and the social service department which we as citizens pay into, that we can support this. What has this nation come down to? We are able to pay for every one's mistakes yet the medication which is ordered by a doctor, cannot be given? What is wrong with this picture?
Next issue:
Social Security: Social Security as we know it is our money that we give toward our golden years. This money is supposed to be kept in a trust fund. However, by the year 2010, our government says our social security fund will be depleted? Why? Because our government has taken our money and has spread it around toward the immigrants so that they can make a good life here in the "the land of opportunity". My social security so far if I were to retire by age 62, I will get 1012 per month.
Let me break that down:
1012 less 500 for rent, brings it to 512, less 50 for gas brings that to 462 less 30 for water, brings that to 432, 200 for upkeep on a vehicle not including insurance, brings that to 232, less 150 for groceries for the month brings that to 82 whopping dollars left for the month. This does not allow any for medications, our own input for AARP nor Medicare, nor any doctor visits should we require. It also does not include a hospital co payment of 100 before insurance or medicare picks up. Does anyone have any solutions to this?
All I can say is that our country has provided for the conglomorates, yet they cannot take care of the citizens of this fine country..."the land of opportunity".
The first one is Insurance.
What is insurance?
The word Insurance was defined in Merriam Webster's Dictionary in 1651 as
1 a: the business of insuring persons or property b: coverage by contract whereby one party undertakes to indemnify or guarantee another against loss by a specified contingency or peril c: the sum for which something is insured2: a means of guaranteeing protection or safety <the contract is your insurance against price changes>
So therefore, we should expect to be covered through our co payments and employer contributions for medical coverage, home coverage, car coverage etc. However, this is not true. Our nation has become so greedy (except with the banks and the creation of money for the conglomarates), that we cannot have the protection that we need for any medical reasons other than what the insurance companies deemed necessary. I use the term "deemed" widely. When I became wary of the insurance industry was when I was working in the Trauma section of our hospital. I worked for trauma surgeons. One incident came across...a patient involved in a motor vehicle accident was severely injured, head trauma and various broken bones. He was in a medically induced coma to help the swelling go down. His insurance company called our office and said and I quote "we are not going to be able to cover his procedures and we deem it is not necessary to have the coma medically induced. We will only pay for his hospital stay up to three days". My doctors had a holy war attack on this company. This young man, after many weeks in the hospital ended up being transferred to a rehab center to regain his walking and speech patterns. Our hospital took the case to court. This representatives in the insurance offices do not have the foggiest idea of any type of injury unless they have experienced it themselves. They are reading it by their guidelines without a shade of gray area. Let alone that they do not have any gray matter between their ears!
Now I will proceed to the next issue.
I was speaking to my daughter the other day and she said that her father was having trouble with her insurance (covered under NYS Child Health Plus...Company Fidelis). First off, they put my name as the responsible party (I don't live up there), secondly, they are refusing to pay for her ob/gyn appointments and her birth control medicine. I will elaborate a little on this one. Birth control serves two purposes: preventing unwanted pregnancies when taken properly and regulation of menstruation, helping to ease the severity in the pain and blood flow. Their reason for not paying for her birth control was this "We feel that it is inappropriate for a child her age (16) to be on birth control!"
Give me a break. Yet it is okay for those children to have a child, and the social service department which we as citizens pay into, that we can support this. What has this nation come down to? We are able to pay for every one's mistakes yet the medication which is ordered by a doctor, cannot be given? What is wrong with this picture?
Next issue:
Social Security: Social Security as we know it is our money that we give toward our golden years. This money is supposed to be kept in a trust fund. However, by the year 2010, our government says our social security fund will be depleted? Why? Because our government has taken our money and has spread it around toward the immigrants so that they can make a good life here in the "the land of opportunity". My social security so far if I were to retire by age 62, I will get 1012 per month.
Let me break that down:
1012 less 500 for rent, brings it to 512, less 50 for gas brings that to 462 less 30 for water, brings that to 432, 200 for upkeep on a vehicle not including insurance, brings that to 232, less 150 for groceries for the month brings that to 82 whopping dollars left for the month. This does not allow any for medications, our own input for AARP nor Medicare, nor any doctor visits should we require. It also does not include a hospital co payment of 100 before insurance or medicare picks up. Does anyone have any solutions to this?
All I can say is that our country has provided for the conglomorates, yet they cannot take care of the citizens of this fine country..."the land of opportunity".
Access: Public
Heated blog … first of all, WHAT!? That is the only thing I have to say about the reason why they didn’t cover her… THEY (the doctors) put her on the medication to prevent the God awful pain she had/has been going through … for fear that she might have endometriosis like myself…. 2.) I was AT the appointment with her .. and 3.) I FILLED OUT THE PAPERWORK!!!!!!!!!!!!!!!!!!!!!! Being that I work for a doctor’s office, I know EXACTLY what I filled out (and your name wasn’t on the sheet) .. how and WHY!!!!!!!!!!!!!! Wow… ok … moving on ….
The insurance thing is a very tough subject … at this point, it almost feels like “what is its purpose?” They do more denying than they do approving now … and you need prior authorization for everything … patients don’t know this … they end up figuring out the hard way. I see this daily now too since for school, I am making my transition into working billing at Dr. K’s.
I don’t know much about social security and therefore veer away from the topic…
Good blog. Luv u…
Yeah, that is what I said. I nearly pooped my pants on that one. Insurance companies, especially those that practice in NY are terrible. Things are not covered and when they are, suddenly the insurance company changes to one that does not approve of anything. Oh, when I worked in the offices at the Trauma Center, my doctors there got into heated arguments, especially John and Jim, Dave was reserved but you could hear John yelling clear across the office. Study your statement from Social Security when it comes in. Look at when you started working, how much you contributed and then when the final tally is that is what it is supposed to be when you retire. In three months that will change…It will become lower.
Wuv u too.