Feb 17, 2009

Frustrated!

Musings of A Beautiful Mess
When we found out Husband was going to get laid off and lose our insurance, I did the responsible thing and got insurance for my kids. It was state insurance, but they were covered. I didn't care what I had to do, as long as the children would HAVE insurance. It's important, obviously.

Apparently our state decided to get fancy new cards. That's great! So, instead of getting two new insurance cards every month, we'd have just one. Less paper work and less things for me to keep track of. AWESOME! The problem with this is that, nobody knows what type of insurance we have. I don't know if it's an "open" plan or it's a specific plan that only certain doctors will take. I've called every doctor's office in town and NONE of them takes our insurance. I've called an office in a different town and they only take a certain type that I will find on the top of my card. I looked, it wasn't there. So, I'm assuming it's not the kind they take. I called a different office in ANOTHER town and they do take the state plan, ONLY if it's an "open" plan. Which again, I should find on the top of my card. I looked it wasn't there, either. A few calls later to the state office and no calls back, I'm at a loss as to what to do.

I understand that the doctors don't get as much money for their services on the state plan. I know this because I've worked in a doctor's office. The doctor got about 10% of what he would get on a private plan. I understand everyone wants to make money and needs to make a living and pay bills. I honestly get that. BUT what about these children who have insurance but can't go to a specific doctor because nobody takes that plan? What do I do? Do I go to the ER when my child has an ear infection, and cost the state more money? Wouldn't it just be easier to have more doctors take this plan? Wouldn't that save some money? Somewhere? Obviously, I don't work for the state and I'm not an accountant, it just seems like common sense.

Of course, I'll do what I can to keep my children healthy, but why am I having to run through all this damn red tape when I am TRYING to do the right thing? I'm not taking advantage of anyone. I'm not breaking any laws. I'm not working under the table so my benefits don't get taken away. I am using these services as they were intended to be used. We had something happen to us, so we used these services to help us and our kids.

I've seen people take advantage of the system for YEARS. It disgusts me and pisses me off. All I need is just ONE doctor to take our insurance plan so I can get my kids into the doctor for their yearly check up. Am I asking too much? If anyone has any advice for me on this, I would appreciate it immensely! Or an opinion stating I am not one of those people? Of course, only if you really think that. If you think I'm a dead beat...how about you just not say that. I'm frustrated enough as it is....

8 friends have commented:

Kristin on February 18, 2009 at 5:01 AM said...

{{{Hugs}}}...I honestly hate almost all medical insurance companies.

seussgirl on February 18, 2009 at 8:19 AM said...

Oops, I still owe you a post on the award you shared with me! Thank so much! I'll try to get to it...And I'm thinking about the Pay It Forward thing, too!

As for insurance, that really stinks. Do they have a number or website that lists eligible providers? Is there any sort of non-network clause? Like, you'd pay a little more, or if there's nobody within a certain range, they have to honor somebody close by? We have a PPO, which is way different, but that's how they work, so I thought I'd suggest it! I hope you find somebody and that they're good!

KimboSue on February 18, 2009 at 8:29 AM said...

See....this is the type of situation where "government aid" is necessary. Not like that super bitch Octo-Mom. GRRRR. Don't EVEN get me started.

Hope you find some answers soon.

seussgirl on February 18, 2009 at 10:17 AM said...

P.S. I did it, and tagged you back!

The Muser (aka Beautiful Mama) on February 18, 2009 at 10:56 AM said...

Hey Girl, how frustrating! Is it the S-CHP (or similar) program? When I was on it years ago I had to go to the emergecy room, but I think it was different for kids and that was a long time ago and in CO, not where you are...If it's S-CHP and at all like the program in CO, there might be organizations set up to help people navigate the system. You might just google it and see what comes up. Good luck!. ((Hugs))

The Muser (aka Beautiful Mama) on February 18, 2009 at 10:57 AM said...

Hey Girl, how frustrating! Is it the S-CHP (or similar) program? When I was on it years ago I had to go to the emergecy room, but I think it was different for kids and that was a long time ago and in CO, not where you are...If it's S-CHP and at all like the program in CO, there might be organizations set up to help people navigate the system. You might just google it and see what comes up. Good luck!. ((Hugs))

honeywine on February 19, 2009 at 7:28 AM said...

Sadly, having been in a few different systems, I can truly say that the best healthcare I got in my little town was Medicaid. But, that may have a lot to do with being in an area where doctors have to take it or they wouldn't have many patients.

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