I can’t get health insurance. If you read this blog even semi-regularly, you’d know that. I currently pay $475+ for COBRA.
The problem is is that I now know the drill. It seems that no matter how crappy the coverage, they ask the same questions on the application.
In the last ten years, have you had any of the following? What date did you start treatment? What date did you end treatment? What was the treatment? What percentage have you recovered?
Are you kidding me? Am I supposed to remember the details of sinusitis that I had 10 years ago? Am I supposed to quantify what percentage “recovered” I am from my GERD? My allergies? Should I have kept a record of all the prescription medicine that I received in the last two years… cuz I didn’t. But they want all this information, and woe to you if you screw up because they can retroactively cancel your coverage. Yep, and then you have to pay them back.
The kicker is that they want to know if you’ve already been denied coverage. Well, of course I have. Because I’ve actually been to the doctor in the past ten years! I’m actually on prescription medication right now. I actually have been sick and injured through no fault of my own. The sad thing is, is that I’m a healthy [age redacted]-year-old, and I can’t get health insurance. Yay for the private sector!
So I go to fill out the applications, and it’s just so fruitless. I’ve started and stopped twice in the past two days. It’s so dumb because I don’t know how to answer their questions, and I know I’ll be denied regardless. So for now, it’s $475/month for sucky coverage. I just paid $50 for ear drops on Thursday. Thank God for health insurance. Whatever would I do without it?