Ok, this may be more than a “small” rant.
I am royally pissed off.
I had a meeting with an Aflac insurance lady today for my new job.
After giving me a bunch of brochures, she asks the dreaded “pre-existing” question.
God damn it.
I do know that a lot of insurance companies deny people coverage if they have a “pre-existing” condition.
What I didn’t understand fully was why and how disgusting these policies are.
Makes every good human instinct turn into a sick black mass of evil.
So they want me to pay them $40 a month ($20 out of every paycheck) so that they can cover me… but only if I’m pregnant (apparently my progeny will help them prosper in some way or another).
But if I happen to have a seizure because of my diabetes, or need a leg amputated, they don’t give a shit.
45 states are allowing this to happen.
I went online and did a little research.
And the more I read…
The more I became pissed off.
States make it legal for insurers to reject applicants who are survivors of domestic violence, citing the history of domestic violence as a pre-existing condition (DC , Idaho, Mississippi, North Carolina, North Dakota, Oklahoma, South Carolina, South Dakota, and Wyoming).
ARE YOU BLEEPING KIDDING ME?!
A pre-existing condition.
I wonder if citizens in these states know about this so-called “policy”.
Time to start sending hate mail.
And whomever came up with that policy should be put smack dab in the middle of a domestic violence situation.
See for themselves the damage violence does to these women and how much help they and their children need.
Insurance companies are also allowed to do “rescissions”. What this means is that let’s say I fill out my health questionnaire 4 months before I am diagnosed with cancer.
The insurance company can go back to my questionnaire and deem it invalid because I “falsified” information on it by stating I had no previous conditions.
Then promptly kick me off their policy.
This stuff makes me so angry, I can’t even form a full sentence.
In the last three years, over 20,000 rescissions were put into effect, saving the insurance companies over 300 million dollars that instead had to come out of our pockets-even when we thought we were covered.
And it goes further. One major insurance company based their employee reviews on how much that employee saved the company based on rescissions.
So of course it’s my fault that I have a hereditary disease that has no cure.
Of course it’s my fault I need insulin to survive.
Of course it’s my fault that the cost of insulin is so high that I cannot afford it without insurance.
Of course it makes sense that you would make more money off me if I died.
I’m just an inconvenience to them.
Well let me help.
Beware imbecile insurance companies, I will find you.
I will be sending you an email once a day stating how idiotic I think your policies are (thank god for Mailing Lists).
I will be blasting you on twitter, Facebook, google +, and any and every social media site I can get my hands on.
I will be telling the world how evil and unjust and greedy you are.
I will be writing the television stations telling them of said evils…they do great investigative stories.
If I get pissed off enough, I may just call your offices until I reach a higher being and asked them why they feel that domestic violence is a “pre-existing” condition or why my death would benefit them.
No, I will not stop calling.
I’m one persistent bitch when I want to be.
I will be enlisting the help of any organization, company, politician, person, plant, or animal that will help me become…
The. Biggest. Pain. In. Your. Ass.
Inconvenience that bitches.