This is the time of year when many people have to make their healthcare choices for 2013.
I'd rather have my fingernails pulled out ... if it was covered.
What bothers me about the selection process is it makes you focus on things you generally try not to think about, you know, like surgery, and disease, and the prospect of a proctologist asking you to say ah … so to speak.
If that stuff isn't depressing enough, there are also what I call the serial killer provisions, you know, the sections that deal with death and dismemberment coverage.
Don't get me wrong, I feel fortunate to have employee-provided healthcare, and the human resources people do a good job of explaining things. The problem is that you have to actually assimilate the information, and trying to understand health insurance is not good for your longevity.
Seriously, sometimes I think the reason Medicare has a Part B is to knock off those who didn't prematurely buy the farm trying to figure out Part A.
Anyway, one of the first things I do when going over a healthcare plan is look to make sure there are no provisions for "death panels." I don't know if "death panels" actually exist or if they are just a figment of Sarah Palin's imagination, but it doesn't hurt to check.
After I am sure there isn't a corporate numbers cruncher somewhere empowered to pull the plug on me, I try to understand this thing called healthcare savings accounts. It's a lost cause. What throws me is the juxtaposition of the words healthcare and savings, which may be the biggest oxymoron since jumbo shrimp.
Another concept I have problems with is preventive care. Let me see if I have this right:
If I go to the doctor when I'm not sick, so the doctor can tell me I'm not sick, the visit is 100 percent covered. But if I go to the doctor when there is something wrong with me, I have to pay a co-pay. Oh, and what about when I go to the doctor because I think there is something wrong with me and he tells me it's all in my head, which happens a lot, right?
Oh, and don't even get me started on in-networks and out-of-networks.
You know what, never mind, where do I sign.Copyright © 2015, CT Now