Bills, Bills, Bills

I would have updated this blog sooner, but everytime I even think about the bills, hospital and insurance companies i get extremely angry and can feel my blood pressure rising fifty points.

My insurance company, Beechstreet insurance (through McDonald's), will only cover $2,000 for outpatient procedures.  Even though I took the highest option and pay approximately $150 a month, the lousy insurance company will only pay  $2,000 for outpatient surgery.  What surgery do you know of that costs less than that? A patient is lucky if they can even book an operating room for that kind of money.

My hospital bill was $10,000.  i got some type of discount which lowered it to around $8,000-- after the minimal payment from Beechstreet, I owe the hospital $6,500.  That's in addition to all of the money i owe for the tests, doctors visits, etc.

The hospital sent me a form to fill out to see if they will lower the amount, but since I having been saving most of the money from my paychecks, holidays and birthdays for a car,  i am almost positive that the money hungry hospital isn't going to do a thing to lower the bill.  Even though I owe over $11,000 in student loans and make less than $15,000 a year.

Before you say anything, yes the limit is in the fine print.  And I did sign the papers, but my point is that the limit is extremely low, considering the fact that there is not a hospital in the entire county that would charge less than $2,000 for outpatient surgery.  This is one of the reasons that we need health insurance reform.  How can anyone get the proper medical treatment, if they know that doing so could cause them to go into bankruptcy.  Sometimes I wounder how these insurance company CEO's sleep at night?  Do they ever think about all the people who die (or at the very least go hungry or lose there house) because they cannot afford to get necessary medical procedures?  Do they even care?  Or are they so rapped up in their bonuses that they don't even bother to think about it?


I'm guessing that I can kiss my car goodbye.