Tag Archives: health insurance

Arg!! Oh what a terrible morning

Greetings, readers. What a morning Rebecca and I are having. If it was not dealing with a serious matter to me, I could have seen Tim Conway doing this in a comedy sketch. It would have been hilarious. Here’s what happened.

I had one simple phone call to make. All I had to do is tell a human being on the other end of the line that I wanted to verify a piece of medical information for my insurance. In 45 minutes, readers, and after calls to three different phone numbers, do you think we actually got a human being? No. I don’t count the person who told me that I did not call the right number. I can see Tim Conway on a speaker phone – push 1 for English, 2 for Portuguese, 3 for Spanish, etc. Fifteen different languages all the way to Scandinavian. Meanwhile, Harvey Korman would be laughing at the faces Tim Conway would make in exasperation. Yes, folks, on TV it is funny. In real life, not so much. Rebecca suggested that we take a break and write the blog entry while my phone charges a bit. I think it was an excellent idea. I feel better already.

I already have in mind the idea for the next short story blog entry. As one of my readers requested, it is going to be a continuation of Toby’s adventures in the attic. I’m going to let my creative juices flow and push the envelope, as people say.

As I may or may not have mentioned in a previous post, my speech recognition program, for lack of another term, got set back to factory specs and I am in the process of re-teaching it my speech patterns. It should not take too long. The more I use it the more it will work. I have two appointments this afternoon, but I am going to write this evening and much of tomorrow. By then I should have the speech recognition program back to the way it was. It had actually learned my voice quite well, I was most pleased, but then it re-set. Sometimes, though, I still want to be that Tom Hanks character on Cast Away, who was all by himself; on an island or in a cabin in the mountains, and just write, write, write. However, this is something called the real world and I do have a plethora of appointments to go to.

Okay, I have sufficiently ranted and raved, and I feel better. When Rebecca and I wrap up this blog entry we will try again to contact the agency I need to talk to.

I bid you all a great weekend and that short story will be ready for Rebecca to cut and paste into the blog on Wednesday. Until then, take care, have a great day, and happy reading.

Frustrations with health insurance

Greetings, readers. For the past half hour, Rebecca and I have been calling numbers trying to find out information about my soon-to-expire health insurance coverage. The deadline for the marketplace is two days away and I was supposed to get a letter from the state telling me rather I qualify for medical assistance through them or not. I looked in my mailbox today and got all the mail from this last week; no such letter was in the pile.

This brings me to a problem. I cannot proceed on the marketplace website without said information. Sometimes I think the government does this on purpose. Their mission: give Joe grey hair. Just now, Rebecca and I called three separate numbers; two of them were not the department I needed to talk to and one was a non-working number. Thanks Yahoo!, get your information updated please.

With many of my co-workers sick with colds, flu, and such, I feel like I am going to need my health coverage very soon. I’m praying I won’t have a lapse in the coverage, for knowing my luck, that’s when I’ll get double pneumonia.

Yes, it seems the town bug has hit, mainly because of the sudden drop in the temperature. Yesterday morning, I walked from the bus stop into work and said to myself, yep, winter is here alright, even if it isn’t officially here until the 21st of this month. I’ve had to forgo my comfortable hoodie for the bulkier down coat. The pockets are not as deep so I have to my cell phone and keys in my backpack.

On Monday, we’re having a code inspection in the apartment building, starting on my floor around 9am, and the notice said I need to contain any pets. I’ve asked the restaurant manager who hired me if I can work a later shift on that day. I’m hoping she says yes. If not, poor Keekee will either be locked in the bathroom or crated up until I get home. She will not be a happy kitty cat. I used to work the 3pm to 8pm shift, and that wouldn’t be bad. If I was put on the 5pm to 11pm shift … well, let’s just say I’m used to going to sleep at 9:00. My fuel tanks would be running on fumes. I hope to get a response from my manager by this afternoon.

Rebecca is not certain quite yet if she is coming down with something or not. I’m sure she hopes to make it tomorrow but her body might rebel and say no, you need to sleep today. If that is the case, either I will put a blog entry up or Rebecca will from home.

Speaking of the blog, I’ve made an executive decision. Beginning in Feb 2018, I am going to begin to compile blog entries from years two, three, and four for my second blog book. I’ve been meaning to do this for quite a while, and I was going to call it Greetings, Readers 2, but I think I will use my creativity and come up with a different name. My target date to have that out is mid-April. Between the novel and my new blog book, there are many positive achievements for our creative endeavors coming out before I go to camp in August.

Well, that just about does it for today. I’m going to call it an early session and let Rebecca go home and recoup, if she is indeed catching something. I am going to rest my feet most of the time today and tomorrow before I go back to my fast food job for the Friday and Saturday shifts.

So, until next time, have a great day, take care, and happy reading.

Health insurance is expensive

Greetings, readers. I am continuing the search for affordable health insurance. The options are bleak. If I do nothing and let my policy ‘roll over’ my premium will jump from the $400 range to the high $600 range. That is not acceptable to me. With the help of Rebecca I have been looking on the computer at different companies and not finding much of a lower price. Very bleak.

What to do? I have a couple of options. I can drop my coverage and pay the penalty, which my accountant says I shouldn’t do in case I get really hurt or sick and need the hospital – that could ruin me in a manner of days – or I can keep hunting until I find something that I deem acceptable. I really don’t want to pay anything higher than $500 a month. I might not have a choice.

From what I understand, the effects of Obamacare AKA the Affordable Care Act really kicked in this past year, causing higher prices when insurance companies saw their profits dwindle. If Obamacare is repealed, I understand that a lot of people might lose their coverage completely, but something has to be done. There must be a solution to have everyone covered for a decent fair price.

Okay, I’m done ranting and raving. I have an appointment with my accountant shortly, so we must close this entry to have time to edit it.

I bid you all a great weekend. Take care, and as always, happy reading.

Merry Christmas eve and Christmas

Greetings, readers. This will be a short blog entry today, because I have a gazillion things to do before tonight’s Christmas Eve light ride and tomorrow’s Christmas festivities. As has happened in the past, things that I need to find disappear into the black hole that I call my apartment. The latest lost item is my electric shaver charger cord. There are two places that it may be hiding in. If it’s not in those two places, I’ve got a problem.

I was listening to lots of Christmas music yesterday and I’ll be sad when the season is over. Somehow it just seemed to go quicker this year. I feel like Traci and I just got back from Thanksgiving a few days ago. In actuality, it was really three and a half weeks.

Some time next month, I hope to begin my new budget as planned, though the beginning of a new insurance policy year may blow up my expenses for medication and co-pays until my deductible has been reached.

Finally, I will let everyone know that the first blog of the new year will be my annual New Year’s resolutions. I’m going to choose resolutions that are realistic and that I can attain. Spoiler alert: One of my resolutions will be to keep up with old friends better than I have been. So to my Facebook reader friends, you might just get that invite for coffee sometime.

Again, happy holidays to everybody, and here’s to a great 2016. Until Wednesday, take care, enjoy, and happy reading.

No, I am not prepared for life

Greetings, readers. After spending three days working with healthcare.gov, two with Rebecca and one on my own, I have come to the horrible conclusion that I am ill-equipped to handle real life challenges. I’m just fine listening to music, perusing Facebook, and playing video games. When it comes to real life situations that require me to use my brain, I am a cross between Herman Munster and the Swamp Thing. Today when my accountant was looking over the health plan I chose and saw a couple of problems, I actually caught myself feeling the same way when Herman “goofs it again.”

This all stems from – and Mom, I love you to death – me not being prepared for real life. As far back as I can remember, everything was done for me. My parents were fairly well to do and I was physically challenged, so I really wasn’t encouraged to get a job early in life. I know I’ve blogged about certain topics like this before, but this recent phone call and possible health care blunder, has brought these feelings back to the surface. Luckily, it doesn’t last very long. Much to talk about with my therapist on Monday.

Let me explain what happened with the healthcare phone call. First of all, the 40 minute hold time did not put me in a good mood. Second, once we got going, of course, there were many questions to verify that I am who I said I was. After that was taken care of, we got down to business. I explained that I didn’t want my current plan to roll over and wanted to choose another one. Looking at my new plan in more depth today, however, I realize I probably made a mistake. Yes the premiums are a bit cheaper, but my out-of-pocket money for drugs per month will be more. Ouch!

Since the new policy doesn’t begin until January 1st, I might still have time to change it. But I’ll have to talk to them tonight. I’m going to take a piece of paper and jot down specific questions to be answered.

My problem is that I’m not thorough. I don’t think things through. My health care policy is a perfect example. I saw a $30 a month in savings in the premiums, with the next choice higher, and said I’ll take that one, without asking exactly what the plan does and does not cover. Before we began this blog today, I must admit I was angry with myself and Rebecca knew it. She’s a good friend not to give me any I told you so’s or you should have done this or that. The reason I was angry was because my mother would never have allowed this to happen. She was the queen of organization and not leaving any stone unturned. Every question would have been answered to her satisfaction or she would not have taken the policy. Oh, mother, how I wish you were with me now. Since that’s not possible, the only thing for me to do is to accept the encouragement of my friends and say I will do better next time, learning from my mistakes.

Until Friday, take care, throw good thoughts my way to be strong, and happy reading.