Archive for Healthcare Insurance Administrators

Every Hungry Woman Dreams of the Whipping Post; Every Slave Craves their Collar: THFWS &TTM’s

Posted in Dangerous and Unsavory ideas that are possibly harmful to the weak-mided and overly simplistic and religious, Economic Redistribution, Much Too Good For Children, Possibly Dangerous to Everyone, The Home For Wayward Souls, The Talking Monkeys, The Tyranny of Evil Men with tags , , , , on April 26, 2014 by dreamlanddancing

 

Ash was more “fired up” than usual when he wrote his next sermon, and even the ArchAngels were somewhat taken aback by not only the title and theme of that Friday’s rehearsal, but the sheer fervency with which he delivered it was unparalleled for a mere run-through.

He had even written a new song that had all the earmarks of becoming a standard theme for the band, and he told them it would be done as a gospel-style sing-along like they almost always did with “I Must be the Luckiest Man (or Woman, or Child…) in the World.”

This was to be the theme of the sermon:

When I say “Every Hungry Woman Dreams of the Whipping Post; Every Slave Craves their Collar” most people envision BDSM, dungeons and other manifestations of the Kink/Fet community, but I am talking about a completely different form of bondage or slavery that is taking place every day in this country.

Most of us are victims of it ourselves in one way or another, and as I have told you so often before, I cannot tell you exactly what you need to do about it…that has got to be your choice. I am here to council you and to encourage you to find answers for yourselves.

Today, my primary goal is to open your eyes and your minds.

Those who lack involvement, commitment, validation, recognition or a sense of belonging will embrace almost anything that will distract them from their loneliness and isolation…the Great Existential Void…the same loneliness that makes a woman think she cannot escape an abusive relationship…or that keeps someone from kicking an addiction like drugs or alcohol…people who invent unsolvable problems or refuse to face the consequences of the solutions or accept the dogma and doctrine of anyone else, rather than search for meaning or purpose themselves.

This is evidenced by the rising popularity of gang membership among impoverished inner-city youths alienated by generations of ignorance and desperation as well as the affluent suburban middle-class bored by the banality and shallow crass materialism of their self-absorbed parents.

Since the dawn of Man, there have been monarchs and there have been serfs to do their bidding.

Recall the scene in 2001: A Space Odyssey when the first primate grabs a thigh bone and crushes the skull of his opponent. Necessity may be the mother of invention of tools, but adversity is the mother of invention of weapons.

Witness the first ruler of his tribe. As adversity is confronted by imagination, ingenuity and courage, a King is spawned.

On the one hand, leadership is thrust upon (s)he who chooses to take his or her rightful place at the head of the table, but on the other hand, the crown may become a yoke, or a monster may be borne of this ascension to power.

Time passes, as feudal lords preside over serfs and fiefdoms. “The mass of men lead lives of quiet desperation…” to support the grandeur that can only exist within the divine right of kings.

Meanwhile, in another part of the village, a sorcerer, a medicine man, a witch, or other practitioner of the cunning ways of knowledge conjures and brews up another way to ascend to a position of power either within or outside of the community.

We have a king, and a priest(ess), but the circle is far from complete without the advisors, attorneys,  generals, gangsters, tax collectors, treasurers, medicine men, legislators, law enforcement,  judges and bankers that await their entrance to the stage, all of whom are looking for their own opportunity to grab whatever portion they can acquire of the general wealth that exists within the community.

To assume wealth is the only power would be naïve, but in one way or another, either wealth follows power, or power follows wealth.

Their stock in trade is built upon the fear and paranoia that they disseminate in the self-fulfilling prophesies that they mutually create and support.

Eons and millennia have passed, and as history records it, the grand stories borne of the lives of great men and women have become the legends of our heritages, yet little has changed in the dynamic between the Haves and the Have-nots.

An iconic leader requires a court and necessary support and infrastructure to be provided by those who are either born or bound to serve.

After the Dark Ages, came the birth of the Middle Class, merchants, artisans, craftsmen and scientists who managed to rise above mere servitude to a lord. The Middle Class grew with the passage of time, and so did their wealth, but it has never rivaled the wealth of those whose riches are increased by what they own rather than by what they do, make or perform.

Wherever there is wealth, there will be those who will try to separate those who have it from their wealth. Charlatans, con artists, burglars, armed robbers, pickpockets, prostitutes, lightening rod salesmen and rainmakers come to mind easily, but the real threat to the general population is more insidious in the way that wide sweeping economic redistribution has attempted to enslave the modern public until they are mere indentured servants who only think they are free.

There was a long dark period in the world’s history when entire races or populations of a particular tribe or region were held as captives forced to perform every manner of service to some other ruling tribe.

This is a travesty of inestimable sorrow and injustice that has run throughout the history of the world. The very concept that one privileged society could rationalize enslaving another to be treated, bought, sold and owned like chattel property seems barbaric, cruel and unjustifiable today despite the fact that the same effect has been created within our own society in such a way as to mesmerize today’s unfortunates into embracing and defending the very system that enslaves them.

Governments do it with taxes, unnatural forms of control of commerce to benefit the privileged and wars that serve no purpose other than to stifle rational discourse, circumvent civil rights and liberties, and make multinational corporations even more wealthy and powerful.

A little perceived prosperity is good, but the glut of wealth of the Great American Dream of the fifties and early sixties that allowed parents to send so many of their children to real colleges and universities in search of knowledge and enlightenment led to the discontent and social unrest of the late sixties that empowered a new generation that stopped an unjustifiable war and challenged the paradigms of social norms everywhere.

The government knows better than to ever let that happen again anytime soon.

A nation of smart people is a good thing, but a nation of enlightened citizens is a liability to the truly corrupt. They require a certain level of threat from some boogeyman like Communism or Al-Qaeda to distract the public sufficiently to keep them from questioning too much of anything.

Churches do it with endless tithing, donations and pleas for more money to do “good works” that mostly involve making the Church wealthier while the poor starve in slums, all the while decreeing that it is a mortal sin to attempt to limit procreation amongst people too poor to feed themselves already and stifling a woman’s right to maintain control over her own body.

The fact is that in addition to preaching doctrines of hatred of pleasure that would deny so many the simple pursuit of happiness or the ways of power and majik or any form of rational discourse or intellectual freedom by labeling it as heresy, they also would pit one superstition against the other to distract them even further from finding or pursuing true enlightenment.

Religion is no longer the “opiate of the people”…it is more like the syringe… and television is the heroin.

Engineered economic depressions have occurred twice in slightly less than one hundred years due to the insatiable greed of the privileged ruling and/or ownership classes of the world for the purpose of accomplishing widespread economic redistribution. Both times it backfired on many who helped participate in it, but the real owners and rulers managed to stay intact and eventually prosper from it.

But by far, the most insidious of all of the schemes to enslave the world now comes from a collusion of lawmakers, attorneys, doctors, insurance companies, pharmaceutical manufacturers and distributors, and the so-called “management companies” and “program administrators” who manipulate the entire system despite obvious conflicts of interest and ethics that go unaddressed by either the legislative or judicial branches of this country who are allegedly charged with the protection of its citizens.

“Participating Networks” and “Retail Refill Allowances” dictated by “program administrators” who directly profit from these conflicts of interest (including ownership of their own pharmacies) and the monopolizations that they create not only stifle free market economic competition, but also ensure that they do it with impunity.

Most people take far too much medication. This is because their doctors fail to address the fact that each medication has additional “Side effects”, and “untoward reactions” and it is far easier (and more profitable) to prescribe additional medications to control the undesirable effects rather than to find better palliative measures.

That’s right… “palliative measures”…something to mask or alleviate the signs and symptoms temporarily…there are virtually only a handful of drugs that can claim to actually “cure” anything, and in far too many cases there is at best only scant evidence to support the premise that they really improve the overall quality of life of those who take them, given the side effects inherent in all of them.

We have been brainwashed by the AMA to believe that we must fight disease with drugs, rather than to promote wellness in the first place, and the healthcare insurance industry insures that this misconception remains unchallenged.

That is why we are more likely to refer to healthcare professionals as medical professionals…because our mental preoccupation with drugs eclipses our understanding of health.

After a certain point, instead of Life Extension, we simply prolong Death…for a huge profit.

From the “Gomer Gardens” of intensive care units to the nursing homes and restorative centers that farm the elderly and chronically ill like vegetables, the healthcare industry is effectively strip-mining the aged and infirm for every dollar that can be sucked from the country’s social welfare programs, paid for by the working middle class in taxes.

If a fraction of the cost of pharmaceutical research was spent for determining the true causes and prevention of disease instead of marketing even more medically questionable medications, the health of the world might actually improve.

Our obsession with cholesterol for instance, flies in the face of well-documented research that concludes that cholesterol levels are independent of the prevention of heart attack in the absence of other inflammatory processes.

In the last few years, even the television advertisements have been forced to disclaim any proven relationship between lower cholesterol levels and decreased cardiac risk, but you have to know where to look for it in the ads or you will miss it entirely.

Not to mention that non-steroidal anti-inflammatory medications (NSAID’s) themselves can trigger asthma or liver disease and kidney failure, or that steroidal drugs can cause a resurgence of varicella virus (as either Shingles, or Herpes) thereby requiring treatment with anti-viral agents or that glucocorticosteroids are also implicated in the degeneration of bone and cartilage, skin integrity, and heart disease.

Anti-depressants are now as irresponsibly and indiscriminately prescribed as antibiotics were in the fifties and sixties. The indiscriminant and irresponsible prescribing of antibiotics created MRSA and other “super” bacteria that have become so antibiotic resistant that the only cure is almost as dangerous as the disease.

Depression and anxiety are frequently the dysfunctional sibling offspring of modern society, and the drugs that are used to treat either of them can trigger the onset of the other, although this is rarely ever definitively addressed by psychological healthcare professionals.

If you stop to think for a moment, it makes perfect sense…anxiety springs from the conflict created within the mind to attempt to find meaning or purpose in what appears to be a senseless existence and depression is the natural outcome of the overwhelming hopelessness of the “poison thought” of recognition of the sorrow of the human condition.

Anti-depressants (especially the selective serotonin reuptake inhibitors) have a marked propensity for causing anxiety reactions, and anxiolytic medications are notorious for inducing depression.

And there has yet to be discovered a drug that can treat inadequate parenting. Granted, there is much evidence to indicate that many of the food additives to which the young are subjected may be implicated in the geometric and disproportional rise in hyperactivity and attention deficit disorders diagnosed in this country, but you only have to look around you to see lazy, self-absorbed, selfish parents everywhere who lack the compassion or understanding to recognize or acknowledge the commitment and effort required to responsibly raise their children and who seek a quick fix instead.

Most psychiatrists merely write prescriptions and no longer council patients, preferring to push the responsibility off on less trained individuals who all too frequently work in an independent vacuum, rather than in conjunction with each other. Less time spent with more patients resulting in higher profits is the prime motivation.

The net sum result is that because all of the involved parties are free to overcharge each other for everything only to pass it onto the patient/victims of their unbridled greed, it is only possible due to the ability to have it paid for by insurance.

The insurance industry is rivaled only by pharmaceutical manufacturers, the oil industry and defense industry contractors for sheer wealth, and in fact, insurance companies own a large portion of many of the other companies and industries in America.

The Affordable Healthcare Reform Act is now responsible for promoting insurance that routinely costs as much as one thousand dollars per month per family with a five to ten thousand dollar deductible.

That means twelve to seventeen thousand dollars up front just to be eligible for the so-called “benefits” despite widespread denials of many medications that had been routinely covered for many years prior, even denying coverage for certain brands of insulin or test strips.

Generic medications that cost less than twenty dollars retail out-of-pocket last year now often cost eighty dollars or more as of January 1st, 2014.

Worst of all, the private insurance companies offering commercial insurance are following the lead set by the HRA policies, using the Affordable Healthcare Reform Act as an excuse to further increase their return on investment with widespread profiteering not justified by their actual cost.

When it comes to abridging your rights and liberties, as well as the quality of your life, everything is incremental, insidious and unrelenting. The Patriot Act and the formation of the NSA are the new bastions of the Fourth Reich.

What makes you think healthcare is going to be any different?

This is why all truly great gangsters and criminals aspire to “go legitimate”…it not only involves less risk, but they are generally free to utilize the same unbridled and ruthless practices of their past in the pursuit of wealth and power as long as they hire enough attorneys and buy off enough legislators to sufficiently disguise their corrupt methods.

I used to joke about my fear that the government was trying to take over the country, but got tired of having to explain what I meant to people who did not understand the definition of a republic…but in truth, my real fear is of those who pull the strings of the marionette that we have allowed them to make of our government.

As long as people would prefer to take a pill than to take responsibility for their diet, nutrition, exercise, emotional health, stress, and parenting skills, insurance and pharmaceutical companies will enslave them.

Everywhere you look, people work too hard for too little for someone else under tremendous soul-killing stress, grateful for the “privilege” of being allowed to work overtime to afford designer clothing, jewelry, and electronic gadgets, talking on smartphones that are more intelligent than they are while they drive overpriced, almost disposable cars stuck in gridlocked traffic aspiring to live in pretentious neighborhoods in lavish but shabbily constructed homes they can’t really afford all the while consuming more and more, obsessed with owning everything they are taught to covet by the ridiculous and vapid television shows that program them to believe that “reality” shows are their only reality.

When you look back on your life and ask yourself “Is that all I did?” will you be satisfied?

Most of us are born naked and screaming in ignorance and will die alone in despair, but everything in between is your own choice if you dare to exercise your options and look for different paradigms, or better still think outside all the other paradigms entirely.

If you let yourself be brainwashed into believing that there are no other alternatives to the lives your parents lived, or what your neighbors covet you will never know. It may have “all been done before”, but not by you….

One (wo)man’s meat is another (wo)man’s poison.

One (wo)man’s ceiling is another (wo)man’s floor.

One (wo)man’s mate is another (wo)man’s person.

One (wo)man’s princess is another (wo)man’s whore.

One (wo)man’s home is another (wo)man’s prison.

One (wo)man’s excitement is another (wo)man’s bore.

One (wo)man’s trash is another (wo)man’s treasure.

One (wo)man’s possessions

may become their own obsession

that eventually possess them

and enslave them evermore.

 

 

 

 

 

 

THFWS and TTM’s: A Few Observations about Healthcare Insurance in America

Posted in Long Form, Novel, The Home For Wayward Souls, The Talking Monkeys, The Tyranny of Evil Men with tags on February 17, 2014 by dreamlanddancing

THFWS and TTM’s: A Few Observations about Healthcare Insurance in America

Insurance is one of the most insidious fear-based institutions enslaving America today. The power with which insurance companies hold all of us is evidenced by the fact that insurance companies own many of the industries of America.

For more than fifty years it has become increasingly apparent that an axis of evil represented by attorneys, insurance companies, and pharmaceutical manufacturers has held us in a crossfire from which there appears to be no escape.

Seeing opportunity amongst the glut of avarice and profiteering, healthcare insurance administrative companies have now established and ingratiated themselves so insidiously that it would appear that few people have even noticed their presence.

A Remora is a small fish that attaches itself to the belly of a shark. It is considered to be a symbiotic relationship because the shark benefits from the cleaning that the Remora provides and the Remora benefits from the free food, transportation, and the protection.

Healthcare insurance administrative companies began much like the Remora, as they were initially relatively small and benign. They did not provide the insurance; they simply managed the plan for the companies. It was symbiosis, and both parties benefitted, at no great threat to the public.

This is where the analogy falls apart, however. In recent years healthcare insurance administrative companies now steer the shark, tell it when and whom to eat, and if sufficiently provoked will represent a serious and grave threat in and of themselves. Their appetites are also now as rapacious as that of the shark itself.

At least one of them was allegedly spawned from the belly of a pharmaceutical manufacturer itself, and although the courts eventually ruled that they had to divest themselves of each other due to the potential monopoly they represented, what grew out of that entity may prove far more dangerous. Congress approved it, and no one seems to have even noticed.

Family coverage for most healthcare insurance plans costs between $300-$400 dollars per month, depending upon your insurance benefits, if you have a job that provides group coverage.

Most plans have deductibles ranging from between $1600 to $3000 per family. That amounts to almost eight thousand dollars a year just to actually receive any benefits from your healthcare insurance.

After the deductible is met, most plans pay 80 percent of allowed claims for network providers and allowed medications, excluding chiropractic and acupuncture services; (if allowed at all; almost none of them pay more than 50 percent.) Non-network providers similarly are almost never paid at a rate greater than 50 percent.

These so-called cost-sharing measures do not so much represent the necessity of providing the monies the insurance company needs to defray costs as it represents deterrents designed to discourage members from using their insurance, seeing their doctors, going to the hospital, or even taking medications at all.

Some plans provide for pre-tax flexible spending accounts, healthcare spending benefits plans or other provisions to help hedge against the deductibles and other costs. If all goes well, good for you.

If not, you may find your account frozen with thousands of dollars unavailable until you send them a check or money order for as little as ten cents’ expenses that they have decided to contest for reasons that defy description. If it is not handled in a timely manner, you may even loose the remaining frozen assets allocated for that year.

Network vs. non-network as well as preferred vs. non-preferred are terms fraught with suspicious definitions that smack of collusion and impropriety to those of us who might be inclined in our “ignorance” to question the criteria for such labels, regarding them in the same manner as one might view competition for turf by rival gangs.

Physicians who charge more than the “usual and customary fees” have to be paid by the insured “out of pocket”. Those “usual and customary” fees are so notoriously low that almost no physician falls within the criteria, leaving one to wonder how those fees can be considered “usual and customary”.

Walk-in clinics (aka “Doc-in-a-Box”) usually charge the uninsured about the same amount of money as what the insured pay in co-payments. I do not personally recommend their services, based on my own experiences; it is just mentioned as a point of reference.

Allowed vs. non-covered medications, as well as terms such as preferred vs. non-preferred medications either eliminate certain types of therapy completely, or make them prohibitively expensive.

Prior Authorization is often required for many medications to be covered, based on a process called coverage review which requires the physician to take the time to make a phone call (thirty-minute wait times are not uncommon, btw) to plead your case in order to have the claim allowed, only to find out that once it is considered “authorized” you may still be required to pay one hundred percent of the total cost of the medication as if you had no insurance at all.

Just to add to the confusion, prior authorization is a term that can be used to describe completely different processes and procedures required by the insurance administrators. Imagine if a doctor used the same term to describe a hemorrhoidectomy, brain surgery, and breast augmentation.

This newspeak of medical healthcare insurance has created a state of confusion similar to that which was evidenced by the multiple meanings of “Aladeen” in Sacha Baron Cohens’ The Dictator.

It is no accident. Confusion creates delays in pay-outs, and time is money when the insurance administrators earn interest by virtue of the delays.

All insurance companies rely on a paradigm of “attrition of claims based on successive denials”. In other words, if a calculated percentage of the claimants will give up after each stage that their claim is denied, escalated, reviewed, re-submitted, processed, denied again, adjudicated, litigated, etc. eventually only the most die-hard petitioners will ever realize any satisfaction at all, and for even for those that do, your delay is their money.

This not only reduces the amount of money that the insurance companies pay, but the interest generated on the money unpaid on delayed claims makes even more money. These denials are regarded as “damage control” and have consistently made incremental erosions into what is considered a legal basis for denials of coverage.

Another feature of pharmaceutical healthcare insurance is to bamboozle the insured with a barrage of initializations that stand for premises that in and of themselves are arbitrary attempts to make the insured believe that they have no choice. In some cases, that is an actual point in fact.

Some plans use a term to disguise your inability to refill your prescription more than a pre-specified number of times at your local retail pharmacy. There is an initialization for it.

Some plans require you to call the program administrator (not the provider) to register your choice to stay with your local pharmacy. If you don’t, you pay full retail price. Others require that if you don’t make a choice by a certain date, you lose your opportunity to make any choice at all.

Whatever happened to being able to make your own choices without having to beg for permission?

January 1st of 2014 ushered in the proclamation of a list of forty-eight of the most commonly prescribed medications that were suddenly denied and no longer covered.

Almost all of these medications had previously been approved for coverage for several years and were part of well-established treatment modalities and accepted courses of action by the medical community. No good reason has been forthcoming as to the rationale for this capricious edict, as issued by healthcare insurance administrators.

Since 2012 almost all competition between healthcare insurance administrators has been eliminated.

All pharmaceutical manufacturers keep entire law firms on retainer to challenge the seventeen-year limit imposed on exclusive rights to their patents as brand-name medications, claiming excessive costs for research and development, including the costs of their failures to produce drugs that the FDA will eventually approve after several years of clinical trials, including marketing the medication in third-world countries and “voluntary” trials in prisons and on people who are willing to be paid to be used as test subjects.

Additional extensions of the seventeen-years of exclusive rights may be allowed for another four or more years.

No other type of patent is routinely granted these kinds of exclusivity.

Keep in mind that few industries other than oil and insurance realize the kind of windfall profits that are routinely made by pharmaceutical manufacturers.

Once generic licenses are issued to manufacture a medication, it is not unusual for the original brand-name manufacturer to withhold what is considered “proprietary” information (i.e. secrets) about how to manufacture that medication so as to make it a true generic equivalent of the original.

Once the FDA approves the generic medication, the insurance companies (by way of insurance administrators) will make it increasingly difficult (expensive) to purchase the original brand name medication, regardless of how many patients report decreased effectiveness, allergic reactions and undesirable side effects.

Although in theory, the FDA requires adherence to certain quality standards for those generic medications if they were manufactured in the US, this country is being flooded with a plethora of “Dr. Bombay’s Bathtub Batch” manufacturers from overseas third-world countries where safety, sanitation, and other concerns are much lower than in the United States. These medications are also allegedly subject to the same standards, but the actual products themselves seem to indicate otherwise.

How some of these medications ever pass the allegedly rigorous standards we have been taught to believe we are guaranteed in this country defies imagination.

Many of these medications are so poorly produced and pressed that they disintegrate before they are received by the patients, especially if they are then “mail-order” shipped to their victim/recipients.

Some of those medications taste and/or smell so bad as to be almost impossible to ingest, despite the fact that the original brand-name medication did not possess those same undesirable characteristics.

I was recently shipped a generic medication that I had taken for more than two years that previously had no discernable odor at all and had a slight coating to it that made it easy to swallow. The new generic version of this medication had a rough finish, was poorly pressed and possessed an odor of what smelled like plasticizers that reminded me of cat urine on a small children’s toy. I now no longer take the medication. They won.

Nausea, vomiting, dysphagia, dyspepsia, diarrhea, horrific flatulence, possibly accompanied by “unexpected oily discharges”, rashes and even anaphylactic reactions are among the laundry list of complaints registered by users of these generic medications allegedly declared safe, assuming that the medication works at all, or doesn’t need to be increased by two hundred percent to achieve desired or even consistent results.

Even the quality and durability of the containers themselves and their labeling, (including poor print quality or legibility) has deteriorated rapidly over the last two years to the point that the pill containers themselves do not always survive mail-order shipment.

The new containers are so thin and flimsy that I could easily crush them between my thumb and forefinger. The old containers could have resisted hammer-blows, had I been so inclined, and apparently some post-office workers are….

Increasingly, insurance companies are often relying on “administrators” acting as management services to accomplish their avaricious schemes. Insurance companies are required to have their policies approved by each state’s Bureau of Management Services under the board of Financial Management of that state. In theory, this insures that the policy that the insurance company alleges to provide their policyholders matches certain state standards.

Ironically, at least one state’s office of financial management uses insurance that utilizes a healthcare insurance administrator to regulate (diminish) the claims of their employees.

If you regard the administrators of the insurance in the same light that one might view some of the private sub-contractors of the defense department or other government contractors who essentially do the dirty work that even the CIA won’t touch by providing deniability of responsibility for actions tacitly condoned, but publicly disavowed, you may get a feeling for exactly how it is that America is becoming enslaved by them.

Imagine that the administrator of your insurance also provides home delivery of your medications, if you so desire, for several years, but then with increasing regularity starts to require you to get home delivery after the second or third refill, or pay the full price of the medication.

For the first few years, it is for generics only, but eventually all “maintenance medications,” (brand name or generic) can only be filled by mail-order. Once again, it is the incremental erosions of your benefits that continue until you begin to question what benefits you have at all.

Now you no longer have control over who fills your prescriptions. Now you no longer have a choice as to which manufacturer you use, if it is generic.

Next, they sell you on automatic delivery, since they do not consider themselves responsible if you forget to order them until it is too late and you run out, so you agree to have them decide when to ship them.

The law states that once seventy-five percent of what your scheduled dosage is estimated to have been used, they can now send you another order. This also helps make sure that you don’t get your doctor to prescribe your medications so that you can break them in half, and make the supply last twice as long.

This should ensure that you get them anywhere from two and a half weeks to ten days early…in theory…although it is not uncommon for patients to receive their prescriptions so early that they have six weeks supply or more on hand when their new prescriptions arrive (unbudgeted and unexpected), while other patients report their medications are so late that they have to go to their local pharmacy to pay out of pocket to avoid doing without medications upon which their life may depend.

Whether this is the result of some kind of collusion or just plain incompetence is essentially a moot point. It does, however smack of arrogance as regards quality of services rendered.

Once you are on their auto-refill list, even though you may call them to inform them that your doctor has taken you off that prescription before the medication has even been shipped, they may nonetheless claim that it is still too late to cancel the order because it is already “in process”… (whatever the f*ck that means), which now means you are stuck paying for a ninety-day’s supply of something you are no longer taking, even though you told them so before they shipped it. No refunds…tough shit for you, even if you don’t open the container or accept delivery.

If you don’t use auto-refill and you don’t order the medications when they call you to tell you it is time to order more, they will cancel your prescription, forcing you to go back to the doctor to get it re-written.

If somebody steals the prescription from your mailbox, and you notify the postmaster and the police in a timely enough manner that even they can’t weasel their way out of acknowledging that a crime was committed (they will initially, by the way try to intimidate you by implying that the criminal is you until proven otherwise) they will still charge you for that medication and keep the money for (in theory) sixty days “to ensure that it has actually been lost or stolen before you got it” (as if it is reasonable to expect your prescriptions to take two months to reach you by mail-order).

(No matter how convenient it may seem, never, EVER agree to let them autocharge your credit or debit card.)

Then, (again, in theory) they will credit your account against future charges (maybe) if you hound them relentlessly until they do, all the while claiming that it is “in process” in the Accounts Receivable Department (somewhere), and you get no interest on the money they have extorted from you in the meantime.

If you can’t afford to pay for it twice and your account is too far overdue waiting for the credit, they will suspend your prescription delivery and even cancel your prescription.

After that, they will require your signature to deliver the medications so as to further inconvenience you for having asserted yourself. If you are not home at the time that delivery is attempted, you have to go to the post office to pick it up.

In years gone by, the members who suffered these practices would simply cancel home delivery and not pay the unfair charges or suffer such poor service or unreasonable demands.

They once had a choice, but after the healthcare providers began to realize that they could significantly cut the cost of their benefits to their employees, all the while denying responsibility for the actions of those who acted on their behalf, the popularity of requiring the members to accept this kind of shabby treatment has increasingly become the norm.

In this way, it is the healthcare insurance administrators who are responsible for effectively preventing you from receiving the benefits for which you pay so dearly.

One might be inclined to think that no right-thinking public official or healthcare provider would allow, let alone encourage this sort of action, or utilize the services of such deplorable characters, but like the character “Deepthroat” said in “All the President’s Men”: “follow the money”.

One such company paid millions in fines for illegal use of influence several years ago, and lost over two hundred million dollars in state-subsidized medical insurance contracts and still had the colossal gall to issue a statement that neither the fines or the loss of the state contract would significantly affect their profits for the year.

Protection from monopolization of industries such as the media, and the management of insurance or the vending of pharmaceuticals has become a thing of the past, a mere anecdotal reference on the timeline of the rape and pillage of the rights and civil liberties of all Americans by the rich and privileged who live above the law and have the same respect and regard for the quality of your lives as the strip mining companies had for the state of West Virginia.

We have Congress to blame for allowing this. Although it might be argued that because we voted them into office, it is somehow our fault, if you consider the fact that all the above-mentioned entities contribute heavily to both political parties, it makes no difference. The only difference between bullshit and horse shit is the smell.

America has the best government that money can buy.

Then again, maybe that’s just me speaking…just another random, unfocused rant by some alienated, disgruntled ne’er-do well.

If you think that this piece lacks specific examples, you would be right; there are plenty of examples which I have purposely withheld because I don’t have the money to defend myself against the lawsuits to which I would reasonably expect to be subject, regardless of their validity.

Civil law, like civil war is an oxymoron devoid of any connection to justice, truth, or civility. It’s all a matter of Trial by Money.

I can only hope to point you toward the truth…after that, it’s up to you to recognize these examples. They are full of terms like “Choice”, “Allowance”, “Select”, and other words whose meanings are frequently the opposite of what any normal person would infer. All of it is ripe with the “Newspeak” of George Orwell’s “1984”.

If you have never experienced any of these injustices and outrages, I am happy for you, and hope you never are forced to ever wake up to the reality of what is being done to so many others all around you. You are probably in reasonably good health and are currently well enough to not even need healthcare insurance, if you weren’t forced to live in fear. I wish you continued good fortune.

…Hey, who wants some pie?

And now, back to our regularly scheduled programming….

 

 

 

 

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