United Health Care Insurance Company has come up with a great scam, and you as an employee are paying for worthless insurance. Does that make you angry?
United Health Care has come up with a new policy with super high deductibles. The deductibles are 3,000 individual with 5,000 out of pocket, 9,000 per family deductible, with 10,000 per family out of pocket. There is no longer any co-pays for doctor visits or anything else, except for medicine.
The average doctor visit for me so far has been about 250.00 with no coins (added services such as x-rays and blood tests). My family income is just a little above the poverty level for a family of five. We live week to week, especially now that energy prices have soared. It's almost impossible for us to come up with 250.00 for a doctor visit, so in effect the insurance is worthless to us, because just coming up with 250.00 is hard enough much less trying to meet a 10,000 out of pocket to get all our health care expenses met covered by insurance.
When we do manage to scrape up enough to see the doctor, we can afford no coins (add-on services). Much less any out-patient services the doctor may want us to get. We may get a generic medicine prescribed but usually not a new and safer drug, because the physician is afraid the insurance company may make them call and authorize it, which will take many additional days for us to get the medicine, plus more of the doctor's time. If the doctor deems it neccessary to get the more advanced new medicine, UHC will often call the medicine a tier III med which means the co-pay on it will be 50.00, if we are lucky. Many times they will not authorize it for this, and will make you pay full cost, which can go from hundreds of dollars to over a thousand a month.
If you get cancer, or any other disease that forces you to spend a giant portion of your income that year on there giant deductibles and out of pockets, then they have a cure for that also. They will raise your deductible to 50,000.00 a year for just your family, making there worthless insurance even more worthless.
Now here's the big kicker, if you want to get this insurance, that the worthless company you are working for went out of there way to save lots of money on, so the investors will be happy, you have to pay quite a bit out of your paycheck every week for it.
So you work hard, pay your dues, and the people on welfare with medicaide have it better than you do, if one or more in each family falls ill. Because they are much better covered.
Employers please don't do this to your employees. Employees if you work for a person who cares so little about you to enroll you in this worthless insurance scam, so he can make an extra buck, leave that company, and tell others so they will not do business with that company.
Action Company run by Donald Motsenbocker is one of these companies. Donald also has many other companies such as Simco, SaddleSmith, Longhorn, Horse and Rider, Action Realty, and Dover. Please don't associate with this man or his company until he decides to quit using and abusing his employees. Help make America great again, only do business with people who care about other people.