Medicare and Rx insurance hold ups / Robbery

I composed this 11 years ago and I believe it still seems to apply today. The dissatisfaction has grown from prescription drug coverage to OTC item coverage. The incessant drip, drip, drip of restrictions continue to plague an individual’s interaction with their health plan.

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I feel threatened when I read about the penalties imposed upon individuals that do not sign up for Medicare plans within the designated periods. Insurance is a dirty word these days and immersing yourself in the jargon of the coverage descriptions can be most overwhelming. So this very sharp cleaver is held to your throat and you are given the option to pay now or pay much more later.

How does one decide when none of what is being offered seems to be helpful and only seems to have the promise of plaguing one for not choosing the right plan to cover your hospital, accident incidents while traveling, prescription, or long term recovery bills. Where is my crystal ball anyway?

I am being hounded by my past prescription plan providers because I did not pay them. Why I did not pay them was because I did not want the prescription coverage but they would not let me cancel it. I was automatically signed up due to the fact that I had social security disability. The first year did not cost me anything. The next year they said I had to pay for the coverage and I said I did not want it. The insurance cost me more than my scripts did. I just have thyroid meds. My disability is due to bipolar, personality disorder, sleep disorder, fibromyalgia, and other problems for which I choose not to be a script guinea pig. As long as I can squirrel away when I feel muscular or psychological pain, I am able to surface on occasion and interact with the world.

I have tried writing to the company and stipulating that I did not sign up for the insurance. They still insist upon billing for a service, a policy, that I neither wanted nor used. So the torture continues like constantly dripping water from an inaccessible tap. Drip. Drip. DRIP!

I received important plan information about my Medicare Advantage Plan today. Drip. Drip. DRIP! I also received a collection notice about the past Rx plan, Drip. Drip. DRIP! The one forced upon me, one I did not request nor signed up and sent a written request to drop coverage. DRIP! DRIP! DRIP!

If one is not ill when they MUST sign up for the Medicare plans, I suspect they will become so as they embark upon deciphering the morass of details that surrounds each plan description. The psychological harm, nervous tics, hospitalizations, heart attacks, and funerals brought about by suicide, imposed by the process should be covered for free without any imposed deductibles. Now this is a process that should be declared a national emergency.