I am one of those people that rarely goes to the doctor. I pretty much have to be on deaths door before I go to a doctor(and even then I might wait a few weeks).
I am an insurance companies wet dream. I am a guaranteed profit.
With all that said, I went to Cigna's urgent care(my insurance provider) due to an eye infection that was going on for nearly 3 weeks or longer. The doctor prescribed eye drops and waived the $50 dollar charge for the visit.
Cigna, in all of its generosity, denied any subsidy for the eye drops that cost $100 dollars and then decided to charge me the full price for the Urgent Care visit. For this year alone, I have Paid over $1000 for their insurance and this was my only visit. So what is the point of health insurance if it doesn't cover anything medical. I was better off back when I was uninsured.
This wasn't cosmetic or a lifestyle choice. My eyelids were swelled out to the point that I looked like someone punched me in the face. Luckily, I have recently quit my current job and will soon be starting somewhere else that has cheaper insurance. Will the coverage be better?
I have no idea, but it will be cheaper which is closer to being uninsured which in this current day and age seems to be the best solution. Who needs death panels when we have insurance companies?
Product or Service Mentioned: Cigna Health Insurance.
Monetary Loss: $150.