Everyone Is Stupid

Earlier this year I organized our bag collection. We have grocery bags and tote bags and reusable bags and bags full of bags. If my goal was to have the most bags, I would be so happy.

I always feel bad bitching about my health insurance because I know so many people struggle with health care but I feel like my healthcare’s stupidity contributes to the problem.

My plan has a wellness program and I’m not completely sure how it works. The website is confusing to navigate and the information mostly incomprehensible. Sometimes when I login they tell me to complete a survey to get money I can use for health care. So I tell them that I eat salad and exercise.

They sent me a card and told me it had money on it. I didn’t need any health care at that time so I didn’t use it. Then I had a prescription, but I forgot about the card so I didn’t use it.

I did another program where I had to login, and go through multiple levels of authentication every day, to tell them I exercised. You know what? I exercise all the time and I really resent spending 10 minutes a day logging into a website to “prove” it. They put more money on my card. I understand I can also do a diabetes thing and a few things that aren’t applicable like have a baby or quit smoking.

I did some physical therapy earlier this year and used the card for my co-pays. Great, I guess this thing works.

Then I had a general physical which I didn’t think I needed since I am perfectly healthy but they were super aggressive about scheduling so I did it. (Do a search for “Do I need an annual physical?” and let me know if you come up with anything that says, OMG-yes, because I don’t think you will.)

And they did a whole bunch of tests because of course they do. And I got a bill because some of them weren’t covered. I went to the clinic to pay my bill and I thought I had a few bucks left on my “wellness” card so I asked them to try that and it covered the whole thing.

Huh. Okay.

TODAY — I got a letter in the mail asking me to provide all kinds of documentation from my appointment to prove those were covered charges on the wellness card.

Picture me in a rage with flames shooting out of my ears, because honestly, the amount that they covered does not cover the dollar value of my time to comply with their petty request. The card covered charges at the doctor. What else is the “wellness” card for? Not like I bought pizza and hookers – which of course now I wish I did.

If I thought I could go to the clinic and pay for the services and charge back the “wellness card” I would but I am certain that is more trouble than it’s worth so now I’m going to stew on it all weekend and then waste my time dealing with them.