Just wanted you to know that I received your letter today, letting me know that due to your rising costs/dwindling profit margin, you are again raising my monthly premium, which covers only me, from $750/month to $880/month with a $2000 deductible.
It would be really nice if you would pay for my Vitamin C infusions or some of my supplements or hormones, but I understand that you have priorities, and I am not one of them. I'm nothing but a drain on your resources, a real pain in the neck, what with my having breast cancer and all.
But at least my desire to do non-toxic treatments that actually work, or at least might work... as opposed to treatments that have been proven NOT to work (take Avastin, for example, or chemo or radiation), lessens your financial burden, since you pay for none of those. I mean, it's great that you paid for my surgeries and MRIs and Pet Scans and ultrasounds, but I've done my best to see to it that pretty much all my other treatments I want are ones that you don't cover, even though they cost much less than the conventional treatments.
Life is so funny, isn't it? Kinda wacky and hard to figure out.
I apologize for any inconvenience that my breast cancer may have caused you over the last five years, and I can see why you felt you had no choice but to continue to raise my premium, which was $320/month in July of 2005.
I'm starting to think about "downgrading," but that's going to require some real number-crunching and reading of fine print, because what if I make such a change, thinking I'd actually (bizarrely) STILL be better off paying for any surgeries and MRIs and Pet Scans and ultrasounds, etc. on my own...only to discover that the plan I've downgraded to doesn't provide something that I didn't realize it didn't provide, because the print was sooooooooooo very tiny, I missed it! Even with my trifocals on PLUS a magnifying glass!
So anyway, thanks so much for your promptness and efficiency when it comes to raising premiums. One suggestion: Maybe you could apply that same promptness and efficiency to my reimbursement requests, which usually get lost, requiring me to resubmit them all over again. Or maybe you could apply it to things like, oh, NOT changing your codes so often, which tends to confuse both me AND my alternative doctors, who have a tough time keeping it straight. They use the codes they think are right, we submit the bills to you (the tiny percentage of the ones that you might pay SOMETHING on, even though we know it's a longshot to try), and after weeks or months, you finally reply only to say that the claim was denied because we didn't use the right codes. So we call you up, wait on voice mail, get transferred all over the place, disconnected, etc. until finally we get to a real person who tells us that the codes were changed.
Stuff like that. I'm sure you know what I'm talking about. So many details to remember, huh? I know, I know. I hear ya. It's not easy running a business. I know! I run one too!
Speaking of which, I must get back to work now. Gotta figure out what I can do to pay that extra $130/month.
Thanks again for letting me know.
All the Best,