United Health Care It's not what is seems! A real ripoff! Dallas Texas

I thought I had health coverage but when I fractured my legs, I was amazed at how little coverage I had. The pretty book they send to the employees stating we have $250 deductible sounds all so good. It is a wonderful layout and so many beautiful illustrations! They don't tell you up front the $250 deductible is for the surgeon, the hospital, the anestheology and everybody else on board. So you end up with about $1200 in deductables alone plus inpatient hospital expense of $1400. I went to a chiropractor because I had back pain after surgery. My co pay is $50 a visit. His charge for a person without insurance is $65 a visit. As far as I am concerned the math does not add up. I think I should be paying the $15 per visit and the insurance should be paying the $50. And by the way my co pay for followup with the surgeon is $50 per visit and I go once a week. My co pay for P.T. is $30 a visit. Again, I can only afford to go once a week. And when I had the severe back pain, my internist felt I should have an MRI and I agree, but I have a deductible of $2000 for a MRI and my co pay is $1200. I put off the MRI and elected to go to the chiropractic person to see if my back pain could be resolved. This is ludicrous and sickening. They had been paying $17,000 for lapband surgery. Too bad I didn't eat myself to death! If I need a MRI, I can't be diagnosed for further TX as I don't have the $1200 co pay! They have a wellness program. One gets $100 from Target or some other such company if the employee follows the program, usually an on line assessment. Well, most of us are busy and don't have time for that Tom foolery and the insurance company knows people don't followup on such stuff. So, they win again. Wouldn't that $100 for the few who do participate be better spent helping truly sick people? The hospital calls every day. They want to turn me over to a collection agency. I told them I could pay $20 a month and they would not agree to it. My disability is 60 per cent of my earnings and I can barely make my house and car payment and pay all the weekly bills for my followup care plus my co pay for perscriptions. One medication alone cost me $100 co pay. My brother served in the Armed Forces four years. The V.A. covered all expenses for his open heart surgery. He goes to the clinic free of charge. He is so lucky! I'm in the health care field and I feel I am treated like the waste I dispose!

Patricia
Fort Worth, Texas
U.S.A.