And how do you know you have it?

Seriously.

I'm getting more than a little curious about the people who are worried about protecting their "good insurance."

Because I know a lot of people who have insurance. And not one of them has "good" insurance.

"Good" insurance doesn't cost more per month than the payment on a top-of-the-line Mercedes sedan.

"Good" insurance doesn't force small businesses to decide between keeping all their employees and continuing to pay for the employees' insurance.

"Good" insurance doesn't let you think that you are covered, and then wave fine print under your nose that justifies them shuffling off huge bills onto your already-bowed shoulders.

"Good" insurance doesn't force you to stop, in the middle of a scary and possibly life-threatening emergency, to determine whether you can afford the ambulance, or whether you have to go to this OTHER hospital, rather than the one nearest or best for your needs.

"Good" insurance doesn't make your doctor waste painful and enraging hours on the phone arguing about why you need the procedure he recommends.

"Good" insurance doesn't make you drive to the next town to see an "in network" specialist when there is a perfectly competent specialist in your own town.

"Good" insurance doesn't carefully exclude your most expensive medications from its prescription coverage, and make you get every exception re-authorized every thirty days, requiring extra phone calls and faxes and attempts to reach your doctor's prescription authorization line.

"Good" insurance doesn't refuse coverage to your baby who is born with an expensive-to-treat congenital condition.

"Good" insurance doesn't require the hospital to kick you out one day after your mastectomy.

"Good" insurance doesn't inform you that the doctor who has treated you and your family for the last ten years and who knows all about you and has your trust is 'no longer on the preferred provider list' and you have to pick a new physician and get all your records transferred.

"Good" insurance doesn't exclude your oxygen cart, wheelchair, or other medically necessary devices and technology from coverage, or make you buy them through a provider three hours away who doesn't have them in stock and will take two weeks to get them.

"Good" insurance doesn't limit coverage of hospice and respite service for your spouse dying at home to one hour three times a week.

So. Who's got "good" insurance, anyway?

And if you don't have "good" insurance, if you just have the same old crappy, expensive, pecksniffing, greedy shitheads that the rest of us have, why are you interested in "protecting" it?

curiously,
Bright