Health Insurance – Who Understands This $#!+?

I just did benefits renewal at my employer. It’s a glorious time of year. You get to see how much more you’ll be paying to get worse coverage. And boy am I paying more. And oh, how it is worse.

At the top of the list for this crapenfest is health insurance. Now I am an educated man, but how the hell am I supposed to understand all this crap? I mean seriously. PPO, HMO, EPN, catastrophic care, indemnity option, out-of-pocket maximums, blah, blah, blah.

News flash for company benefits people – I’m not a health insurance expert. That’s not what I do for a living. I don’t know the difference between a PPO and an EPN and I don’t want to know.

Here’s what I need: reasonable medical coverage for a reasonable price.

Is that so hard to deliver? Apparently it is.

And no wonder. Have you ever seen the little form your doctor uses to select what services he or she performed during your visit? It’s two pages of 8-point font. Then the office staff has to translate that into a code for each and every insurance they take. Is there any wonder billing screw-ups are routine? If you don’t have one of these stories, either you’ve never used health insurance or you’re not trying hard enough.