Sunday, March 6, 2011
You have to plan for ambushes in advance...
That's the way insurance works. The house hunk will turn sixty-five in August and officially, he will be an old guy. That means he'll be on Medicare. On the other hand, I am not old so I won't be on Medicare for a few more years. So he's been on the phone for the last week trying to find out if I'll still have insurance once his retirement benefits change over.
The answer is yes. However, it appears that I will have a new plan. And that means I have to check if all my current doctors are in the new plan. If they aren't, then I have to find new doctors. All because he's gonna be an old guy.
I shouldn't complain. I have insurance. Many citizens in our country don't have that privilege. And that's the correct word because it isn't a right, it's a privilege...decided by how much money you have, who your employer is, and sometimes even where you live.
However, just because I will have insurance doesn't mean I have a choice about whether or not to accept it. Here's the gritty truth. If I don't take the insurance provided by my husband's retirement plan, then I won't have insurance because of something called "pre-existing conditions". Yep. That's right.
I have diabetes. High blood pressure. Thyroid deficiencies. GERD. Diverticulitis. High cholesterol. Heck, there's probably something else no one knows about yet. But because all of those are pre-existing conditions, insurance companies have the right to deny you coverage.
Just thought I would give all you young chickens a heads-up. Take good care of yourselves. Insurance companies don't want to offer coverage to sick people--they're only interested in well people. So pay up. Plan well. Otherwise, you'll find out it isn't covered.