Bliss List Attempt Goes Awry

So I got up today with the intention of doing a "Bliss List" post today. But apparently I'm now in a foul mood and going to vent.

I have been trying for 2 weeks to find out if one of my meds is available under generic pricing under our new pharmacy plan. (The insurance company switched pharmacy providers on us). Our insurance company Allegiance (yes, I'm outing the SOBs) tells me to call CIGNA (ditto). CIGNA tells me to call Allegiance. Neither one will answer one freaking simple question.  ^%$%$#!%$

I've spoken with our agent twice as well. And now I've had to provide her with specifics on what prescription it is to see if she can get me an answer. Frankly, I don't like having to do that. Yes, she's our agent. But I also have to deal with her as a customer. I don't like her knowing what medications I take. It's nothing major; it's the principal. And what's the point of finding out now, since I was required by my employer and the insurance company to turn in our FLEX plan paperwork last week? That's why I needed the info. And since the insurance company takes your money if you don't spend it, I put the minimum amount in. Let's hope it's enough. (We're talking a difference of $400 here.) I told all this to my agent and both Allegiance & CIGNA. I also told all of them I'm 2 seconds away from filing a complaint with the insurance department. It really should not be this difficult to get this question answered.

Not that complaining will do any good. Their lobbyists are too powerful...hence the defeat Dec 15 of the bill attempting to get FDA approved drugs from FDA approved facilities outside of the US. Like from Canada. The way they act (lobbyists, congress), it just might kill us if we bring in drugs from Canada. Although how they survive getting their drugs from such apparently dangerous drug makers, I haven't a clue. (rolling my eyes). But what's cheaper for the consumer makes the US drug companies lose money. So the consumer - ME - gets screwed yet again.  Just take a look at what's been done to health care reform.

$%!*;%)*^# 

I need to go back to bed. Seriously. Hopefully getting that out of my system will make the rest of the day go better. I sure hope so. It's not even 9am. God.

(Did I mention my employer won't have the parking lot plowed when it snows, so the several feet we got over a week ago that keept melting and refreezing is now pretty much solid ice? My car slid into the parking lot yesterday morning. And it was worse today. A nice half-inch dusting of snow on top of the ice does wonders for traction. I slipped the second I stepped out of the car this morning. In spite of my good snow boots. Thank goodness I was being cautious...I was able to catch myself on the car. Which hurts, but at least I'm not broken. Which will most likely happen just after the new year when our deductible goes up to $2000. Yeah, yeah...I know there's work comp. But knowing my luck it wouldn't be covered....)

As a former co-worker used to say when I got all cranky "Do you need a lollipop?" Although I doubt any sugar will sweeten me up this morning. Holy smokes am I cranky or what?

Too Close to the Edge

Sitrep: Back to Zero. Just got my Girl Scout Cookie order. Why did I order so many? What was I thinking?????

So this weekend I spent quite a bit of time with my little sister's family. Her stepdad has had back problems for years. Several weeks back he "tweaked" it somehow, and it just hasn't been getting better. He has to have four vertebrae fused, which is happening tomorrow. Unfortunately, this puts him out of work for at least 3 months. And, naturally, his employer doesn't provide disability insurance, so he won't be getting any pay. In addition, he can't go back to his job (one he's been doing for pretty much the same employer for 30 years) because of the heavy lifting involved.

So he's basically been laid off for medical reasons. And starting March 1st, they are switching him to his wife's medical insurance plan (they work for the same company) so he will still have insurance. Only she has to pay the premium for him, which is an additional $360 per month. It sucks, big time.

My little's mom was freaking out. Which I can totally understand. They're losing half their monthly income. They were barely keeping their heads above water as it was. They weren't exactly the best with their finances, but they weren't that bad either. Most of their existing debt is medically related. It's amazing how fast medical bills add up even when you have insurance.

But there's just no way they can pay anything on any of their debt with just her income (and she's already working 2 jobs; one full, one part-time). It's barely going to cover basic necessities as it is. And just forget about any of the new medical bills because of the back surgery and rehab. I highly doubt insurance will cover it all. It really sucks. They've pretty much decided they'll have to declare bankruptcy once those bills come in. Because it's a minimum of 3 months until he's supposed to be back on his feet, and then he'll have to be retrained, etc, and find another job. Doesn't look like he can get unemployment because he isn't able to work (one of the exclusions listed) and it takes 6 months (per the SSA) to get SS disability. Which he qualifies for, from what we researched, but we've all heard that you get turned down the first time, no matter what.

It just makes me wonder how many of us are that close to the edge. I'd always realized intellectually how most people (myself included) are one or two paychecks away from disaster. I guess I didn't realize exactly what that meant. The reality of it. Now granted, they could have managed their money much better than they have. But they haven't been doing that bad in the grand scheme of things. It's pretty scary when you think about it.