I have spent the majority of today shopping around for medical benefits for myself and my family. Only it wasn't very much like shopping; not at all. It was more like going through a divorce, or a death, or some other traumatic event that causes the rest of life to be put on hold while you do lots of typing, talking, researching, worrying, counseling, fretting, waiting anxiously, and spending money you didn't have to begin with.
Some of the other "required" industries (those things that everybody needs and has to have) have figured out how to actually be a positive experience in people's lives, like (in my opinion), the real estate, auto, and shopping industries. But the healthcare industry as it exists today...they know that you need them and therefore aren't all that concerned with simplifying the process or making it a pleasant experience anywhere along the way. Simply applying for benefits can nearly bring a person to tears. They scrutinize every aspect of your life and make summary judgments and assumptions about your future health, demand their giant premiums UP FRONT before they'll even CONSIDER approving you (don't worry! If you're denied, they'll return them to you as soon as they've earned a wee bit of interest off of your money!), and arbitrarily DENY you benefits on what I consider to be a discriminatory basis.
Take Assurant Health for instance (. Today I called them up to ask their help choosing a medical benefits plan that was right for my family and I. I spoke with a nice gentleman named Brian who graciously offered to walk me through the process. So he begins asking me the usual questions about mine and my wife's height and weight, our tobacco usage, and then about my dependents. My oldest son is 24 and autistic. I had the understanding that any dependent over the age of 18 had to have a good reason for being covered under my benefits, so I voluntarily told Brian that Joshua was autistic. There was a brief pause, and then a somber "oh no" that suddenly had me a bit worried. "What kind of autism is it?", Brian asked me, "can you tell me more about it?". Knowing full well that autism has no connection whatsoever with physical health, I volunteered "well, he's non-verbal". Before I could give him any more detail whatsoever Brian told me that I had been summarily judged and that Assurant would not be able to offer me medical benefits for my son. "But, we can proceed with adding your other dependents if you would like", he gleefully added. I had to laugh, and asked Brian to please help me understand the correlation that Assurant Health ( had made between AUTISM and PHYSICAL HEALTH. He stammered a lot, and like most under-paid customer service reps do, retreated to the safety of his pre-written script, chanting it like a mantra in response to each of the analogies I drew and asked him to enlighten me about. In a nutshell, he hadn't a clue, nor was he ever once regretful, but staunchly stood his ground and told me repeatedly, "the Assurant Health ( underwriters will not approve dependents with autism".
Let me tell you, my son Joshua is as healthy as a horse, and among all his siblings doesn't get sick any more and probably even less. He's non-verbal, yes, but not one time in his 24 years on earth has that ever equated to an increased risk of contracting influenza, heart disease, cancer, or any other condition that would require tight fisted Assurant Health to outlay cash unecessarily. In a word, Assurant Health is blatantly discriminating against my son, and how can that be permitted in today's society? I wouldn't then be surprised at all if some of the screening questions Brian had not gotten to had to do with my family's eye color, hair styles, or preferred sock heights, as perhaps they may have managed to also draw correlations between THOSE unrelated facts and their risk of having to pay on a claim! Assurant Health, congratulations, you have joined the ranks of those corporations whom I consider to be guided and directed by individuals with a much less than average IQ, and I do not intend to stop calling you out publicly in every forum I have access to until you put an end to your corporate-supported discrimination. On my side is the fact that you are a publicly traded company, and I believe and hope that your "owners" will see my point of view and empathize completely.
Back to my original theme, though, then there's the whole process of actually trying to USE the benefits you pay so mightily for. Making your visit to the doctor, supplying your benefit card only to receive a bill for amounts that should have been taken care of by your provider, only they decided to judge the item "out of scope" and defer it back to you to pay. After taking precious time out of your life to show them obvious facts from their OWN POLICY, they concede that it's their responsibility and eventually pay it. In the meantime, your credit suffers while their slow motion bureaucratic gears leisurely fulfill the obligation you paid them to. Bah.
I'm very frustrated right now, completely drained mentally, and am out $468 while I wait to find out if the mildly retarded underwriter sitting comfortably in their air conditioned office at one of these monolithic conglomerates will be merciful enough to accept me into their broken system and add me to the masses who posess what amounts almost to vaporous benefits. In terms of monetary costs, costs in time, and pain and mental suffering, I do believe I'd almost be happier investing the time getting a degree in homeopathy and just leaving the whole Gordian mess behind. Unfortunately, on occasion I do need the medical expertise that exists out there, and since it's priced way beyond the reach of the average family, I have very few choices in the matter, as do we all.
I guess I have no solutions to offer, I just want to immortalize the discriminatory actions of good ol' Assurant Health against my autistic son, and to vent with the rest of my good citizens who I know are having to endure the same frustrations as myself. I do not believe that we should just accept it all because "that's the way it's always been", nor should we learn to be okay with it simply because it appears that we have no choices. Systems, like little children, will live up to the expectations placed upon them. Sometimes it takes a long time, but change can happen if enough people are consistent in the pressure they apply and the stands they take.
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