I am one of those lucky ones with health insurance, for a cost. BUT,...

[Just Me]

,...my health insurance is denying medication my son NEEDS for his migraines. The cost will make me choose among food, necessary transportation or heat.

I fucking HATE insurance companies!!! I fucking HATE THEM!!!! AND I HATE the horror of healthcare in this nation. Without insurance, my choices were limited,...with it, my choices are STILL being limited by profiteering ASSHOLES!!!!

I am just sick of this shit! WHEN IS OUR HEALTH GONNA' BE A PRIORITY?

Hmph!!!!! :rant:

[babylonsister]

1. I don't get how they can deny (100%?) if your son's

doctor prescribed it. Are they even suggesting a generic or alternative?

[Just Me]

7. Nope. It's expensive therefore it's denied.

Seriously. It happened to me, first: denied necessary medication ('cause it's costly) and prescribed a "compromise" that doesn't work. Of course, the insurance company doesn't SAY that. They assert other bullshit but that is how they work.

Life was tough without a job. Life is tough with a job. It's insane. There is no light at the end of this tunnel. No wonder there's so many desperate people. You can't win no matter what you do,...unless you are at the top.

This is bullshit. I'm sick of being screwed, of the American people being screwed, 24/7 by the "capialist" advocates. FUCK THEM!!! We deserve dignity, too,....you elitist bush-sucking assholes!!!!

[babylonsister]

10. I'm sorry, Just Me. And in order for you to fight them,

you'd have to spend money hiring an attorney. You can't win, and in any event he needs meds now.
It's just one thing after another with this bunch of crooks. :grr:

[Just Me]

13. And I AM ONE OF THE LUCKY ONES!!!! This is sick!!!

This is REALITY under this regime,...it's ALL ABOUT MONEY,...ALL ABOUT MONEY!!!

Those fuckers sit there and shove delusional rhetoric, bullshit commercials, every damn day. Meanwhile, they are literally KILLING people, here and abroad,...FOR MONEY!!!

I am sick to death of anyone who says such stupid shit like, "people don't want to pay for healthcare" or "Americans don't want jobs" or "we want to help young and old people by giving them alternatives".

Those are the money-lovers,...not the patriots for democracy or freedom or compassion. They are lying assholes and deserve to be JUDGED for what they do, what they are!

EW!!! :grr: EW!!! :grr:

[redwitch]

2. I'm with you on this one.

Hubby needs a minor surgical procedure that we absolutely cannot afford right now. But which would potentially save the insurance company many thousands down the road. Not to mention save hubby lots of pain. It's very frustrating! Our health insurance for hubby, me and two kids is ten grand a year now. It's really, really hurting us.

[Warpy]

3. When enough people DEMAND for it to be a priority

and won't accept he half measures, the yuppie programs both parties are offering. When we stop letting these assholes treat health care like a choice, illness as a consumer decision. When we realize we're lagging far behind the rest of the developed world because the population as a whole is getting sicker and sicker, thanks to denial of care by for profit insurance. When we stand up to the GOP and the DLC and let them know we're not going to take their dismissive attitudes toward us any longer and when we start holding their feet to the fire by VOTING AGAINST THE DAMNED INCUMBENTS WHO WON"T ADDRESS THE ISSUE OF NATIONAL HEALTH INSURANCE, NOW.

That's when.

[HockeyMom]

4. Hear Ya.

I took a major pay cut to get "good" health insurance. Now, I am finding that because of my pay cut, I cannot afford to pay the DIFFERENCE in what the health insurance doesn't pay for. I feel like I am just waisting what little money I have to pay the premiums. What good does it do if I cannot take advantage of it? Maybe that IS the plan?

[tsuki]

5. And that is why 54% of medical bankrupcies are by people who

have medical insurance.

[Name removed]

6. Deleted message

Message removed by moderator. Click here to review the message board rules.

[Just Me]

8. "prior authorization" which has been denied.

There is NO MORE to the story. The medication is the ONLY kind that can be safely utilized for teens. The insurance company doesn't want to pay.

I pay for insurance. I pay for the first $600 in healthcare expenses. I pay for between 50% to 20% of bills. I pay and pay and fucking PAY!!!

The insurance companies and pharmaceutal companies profit and profit and fucking profit!!! When are THEY suppose to sacrifice for our freedom and security and well-being? They exploit us, fuck us out of every dollar we have.

This is bullshit. The minute corporations' interests exceeded the people's interests, we became a tyranny.

[The Anti-Dittohead]

11. National Healthcare Once and for all

We need the progressives and the liberals in the Congress to stand up and demand that the dumbass cowboy and fucked up party address healthcare for average americans. We WIN on this issue everytime. people know that the right wing nut jobs are for big business and the insurance companies and will fuck us in the asshole everytime.

Stand up you weak kneed progressives and tell the fucken crooked right wing and feeble minded president that people need national healthcare. We fucking waste to much money paying insurance whores who don't give a rats ass about whether they offer a good product just about how much the can gouge us. Fuckers all of them.

[elehhhhna]

12. what's their excuse? & what's the med, btw? Not prying, just curious...

[Tonya]

17. Insurance Companies rely on your ignorance

and most people are ignorant of the ERISA laws. These are FEDERAL laws that define how insurance companies can operate.

Your insurance probably has a contract with a formulary, meaning they contract with specific drug companies and they expect and want you to stay within the contracted companies.

Here is the out in this one: You need to get your Dr. to write out on his/her RX Pad that you need this specific medication and that's it, no substitues.

They cannot deny you this medication if your Dr. does this, and you have drug coverage and of course if the medication is FDA approved.

The only area you might get into a little more work is if you are using a drug for something other than it was perscribed for.

It's frustrating I know (believe me!!) but whether you like to hear this or not, we are the most fortunate on the planet when it comes to medicine.
I've been all over the world, and have worked in medicine in many countries, you're not going to find any better care.

The problem is accessing it. Unfortunately health care is insurance driven right now and that lends to a great deal more trouble for some.

[Just Me]

19. He did that.

Called the company.

Still denied.

I can't afford the additional $150 per month on top of our other prescription and medical costs. I certainly can NOT afford an attorney (and they prolly know that, already).

The economic predatory practices of these asswipes is so out of control,...not just here,...hell, they've been pulling this crap EVERYWHERE!!! If ONLY the richest among us can get such "excellent" health care,...what's that care really worth? Apparently, not MOST human lives. Geez.

I will say this, my son's doctor is AWESOME!!! If we can't work this out, he'll probably solicit drug (pharmaceutical) dealers to get us enough samples to get through this. Ridiculous that he would HAVE to do something like that, but I'm thankful that he would be willing.

[FearofFutility]

16. The drug probably isn't in their formulary

My son has bad allergies and the only medication that gives him relief isn't in our insurance companies formulary so they pay NOTHING for it.

[Faux pas]

9. Face it, you're only important to them as long as they can take

your money. Sad, sad, sad...;(

[SmokingJacket]

14. My family hasn't had prescription coverage in years.

We are self-employed and have catastrophic insurance that kicks in once we have paid $10,000.

We are definitely solid middle class people, but often are prescribed medicine that we can't pay for -- or more accurately, choose not to, because it costs too damn much.

Sometimes I can't believe how crazy things have gotten in this country...

I actually have the beginnings of a migraine as we speak -- had them as a kid, now they're coming back -- and I'm hoping my husband gets this job he applied for, so we can go to the doctor and get medicine like normal people!

:hug: for your son...

[Just Me]

18. I can't believe how crazy things have gotten, either!! (((HUG)))

:hug: backatcha' and your family.

This "terra, terra, terra" shit means nothing if we can't live. We can't LIVE because we have to fight just to survive. It's insane. The "terra" being wielded to profit assholes is criminal,...it's just fucking criminal.

Yet, here we are,...being exploited by cons defrauding a whole nation of their own people. Heartless bastards!!! :grr:

H.E.A.R.T.L.E.S.S.N.E.S.S. in charge. Fuck 'em!!!

[FearofFutility]

15. It's infuriating

Cost of insurance per month $350
Cost of son's medication $150 per month. Yep. That's my copay.
Cost of breathing treatments in MD office. $100. No, they wouldn't cover it.
Cost of home nebulizer. $300. Sorry. Not covered.
Every office visit $25 plus all the shit insurance won't cover.

Funny thing is, our insurance is supposed to be one of the better ones. We pay so much more than we used to in monthly premiums, but are getting so much less.



:mad:

[lastknowngood]

20. Dim son thinks we are over insured. Thinks we can do better by

putting asside a couple of hundred dollars out of our meager wages per month to cover it. What he wont
say is that if you don't use it by the end of the year then your company gets it back as free money.