I thought I'd share the results of my application for individual health coverage.
Although I am actually healthy (not taking any prescription drugs, a recent echo stress test says my heart is looking good, latest blood pressure reading at the doctor's was favorable, and was merely opting for the catastrophic high deductible coverage as insurance against the unknown risks), my application was denied.
I recently had minor "chalazions in the right eyelid" and they were removed in the doctor's office. It's basically acne and I could have easily covered the cost even without health insurance. I put this treated condition on my application in the name of full disclosure. The person who scored my application for risk apparently did not know what chalazions are and opted to call it glaucoma instead (which is a VERY serious health condition). Unbelievable!
Needless to say, I'm appealing the decision.
If I am dealing with a company (any company) then I pretty much expect for mistakes to be made at every step of the process these days (been dealing with Comcast a lot lately, which is no doubt "helping" the trend). Further, I absolutely cringe every time I think of my girlfriend being fired for simply doing what her boss told her to do (having her log in as someone else because he was too lazy to get her a login and password in a timely manner). Has incompetence become a national epidemic?
5 Ways Companies Breed Incompetence
Incompetence is a national epidemic.
Oh. That explains it then. Well, that's sure to make us more competitive and productive in the future if it is true. *sarcasm*
Kids leave high school not knowing how to spell, C-level executives think they can supercede macroeconomic laws, government executives practically sell incompetence wholesale.
We seem to have a glut of C-level executives trying to supercede macroeconomic laws these days (especially in finance if the government bailouts are any indicator). Meanwhile, the government executives are doing more than "practically" selling incompetence wholesale.
Govt Health Care: Lessons from the People’s Republic of Massachusetts
Without even looking at government inefficiencies, incompetence and lack of accountability, any time you dispense something for “free,” you’ll always dispense more of it.
How can one possibly argue with that logic? Perhaps I'm an easy sell. I think "free lunches" tend to be the most expensive and "sure things" are often the most risky (Madoff!).
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