I had an appointment at the clinic this week and, as is my habit, I made an ass of myself over the issue of not wanting to fill out forms with information that hasn’t changed. Now, they know that some folks will avoid giving them changed data, but they don’t know who, so periodic recollection is reasonable.
One thing that our data does is connect us to a medical database. This is important so that other medical staff, perhaps in a hospital, can use it if needed for our care. But I started to think of the people that I consider inappropriate users. Mind you, I don’t know if any of them can get access to our data, but they do get our social security numbers, so maybe. People like potential employers, and those opportunistic thieves, insurance companies. I believe that no one should be able to sit off to the side of our medical misfortune and make a profit from it. This is especially true when they consider that paying claims is best avoided.
Consider long-term care insurance, insurance that should help you when you are nearing the end. Both myself and a friend have this insurance and, since we are aging, we are nearing the point of using it. But that would mean using money that the insurance company considers to be theirs. It’s not the savings fund that we thought we were building up at all. From their standpoint, it would be best if we dropped the insurance. Then they would get to keep the money. So, the insurance company decides to make a substantial increase in cost, perhaps 30 or 40 percent, in the hope we will terminate it. Another ploy is to offer an increase in coverage, but you’ll have to allow them to judge whether you’re fit to be insured, based on information you would have to supply. Hey, maybe they’ll get to terminate your existing insurance. Guess what? Then they would get to keep the money.
Don’t make yourself vulnerable to these parasites. Get and keep the insurance, because you need it. But don’t provide them with opportunities to take the money and run if you don’t have to. They are the House in the medical experience roulette game of your life.