Maybe the current law isn't the right law but it's better than *no* law at all because the health insurance industry needs to know that someone somewhere is watching them. And they need this because they're fucking assholes.
Not that anyone can really argue this premise but my personal evidence:
- refusing to pay for the medication prescribed by my doctor because they insist there's a cheaper version I should take
- sending me harassing phone calls and emails demanding to know if the recent MRI's have had for a bad knee was due to a car accident (no, I'm just getting old, thanks)
- several years of repeatedly harassing me to know if anyone in my family was covered by someone else (no, no and no)
- denying to pay for treatment recommended by my doctor in favor of older and more drastic surgery (again they know better than my doctor AND a second opinion)
It goes on. I don't get it. It's not like I have a history of medical visits that would label me a hypochondriac. I certainly don't abuse the system, (even though the whole notion of a 'deductible' where you have to fork over for the first X amount of coverage might encourage something like that.) Nope I'm the ordinary type, I see my GP twice a year for a specific condition and maybe once or twice a year (maybe) a specialist for this thing I busted or that thing I bruised badly. Same goes for my family. Thus I resent the constant badgering from my insurance company looking for a way out of having to pay something or anything in return for the premiums they receive.
But now there's bigger insult. After five years of coverage my insurance company is demanding proof that anyone is related to me. I must, within a month, provide birth certificates for my kids and a copy of my marriage license or they'll stop covering my family.
When I signed up I gave them everyone's Social Security numbers, plenty damn proof enough to verify who they were, but now BCBS is doing anything they possibly can to delay, defer, or deny coverage to my family. Luckily I have copies of all these documents handy but I can imagine others might not. Especially those who might be close to retirement.
It's bullshit. The insurance companies are evil, run by evil and spend more of my premiums on fighting the job they signed up to do than just fucking doing it. I can't imagine what the cost of managing, filing, copying, logging all this paperwork will be, but I'm willing to bet my coverage that it's going to be far more than just paying for the services they said they'd cover.
So Fuck You to all the insurance companies out there. I know you're fucking salivating in the hopes that the healthcare mandate will be struck down, but we're on to you motherfuckers. We're on to you.