XJohXJ
Well-known member
- Joined
- Mar 11, 2006
- Posts
- 972
Unfortunately, $$$4Nothin, I have to disagree with you regarding our health care. If your experience of our heath care merely makes you call it "disgusting high deductible low coverage", then you are one of the lucky ones. As you know we are self-insured. That means that in many cases our company gets to choose what is covered and what is not. Unfortunately, my experience has been that wherever our company could make a choice to offer the worst possible coverage, or sometimes zero coverage, that is exactly what their choice was.
Our health care and dental care, unfortunately, is worse than you could possibly imagine, because many things are not covered at all.
When coverage is completely denied (as it is, for example, with special needs children, which is truly despicable), then that does not count at all towards deductibles or out-of-pocket limits. Therefore offering families with special needs coverage, truly, zero coverage with 100% exposure to costs. When you have to meet a $2600.00 deductible, then spend a few thousand more on entirely legitimate but 100% not-covered expenses, that is pretty damn close to saying you are not covered at all.
When people state that families can be exposed to several thousands of dollars of medical and dental expenses every year, unfortunately that is an absolutely true statement. The families most in need are the families most likely to receive denials-of-coverage.
There is absolutely no defense whatsoever for our terrible, mean spirited, low health care coverage, and it is very hard to hit hyperbole when trying to find words to express how truly poor it is. "Zero coverage" is far closer to the truth than "coverage" is.
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