Insurance

I like Chris Rock’s bit on insurance. “They shouldn’t call it insurance, but “in case shit.” I give a company money in case shit happens.” Well, shit just happened, so even though I’ve complained about how much money our insurance costs, I’m thankful to have it.  I got two bills in the mail last week from the two initial visits I had regarding being BRCA+.  One with the breast surgeon and one with the gynecological oncologist (to discuss my plans for dealing with the ovarian cancer risk).  I opened the bills with trepidation thinking, “here we go.  the first of many outrageous bills.”  They were both $10.  Phew! 
Getting these bills reminded me that I need to call the insurance company to go over what they will cover and what I should expect to pay out of pocket.  I don’t want to be surprised with a crazy bill and have to deal with the anger, frusturation and ridiculous amount of time it takes to settle insurance claims.
Dealing with insurance is sometimes like dealing with the law.  They don’t accept “I didn’t know” as an excuse. Since when has a policeman let you off the hook for ignorance sake?  “I’m sorry officer, I thought a stop sign with a white line around it meant you could simply pause. I didn’t know you actually had to stop.  How about a warning?”  (true story: that’s what my brothers told me when I learned to drive. Thanks guys!) That usually doesn’t slide with police and I don’t think it slides with insurance when you say, “I’m sorry, I didn’t realize that the lipo for my thighs wasn’t covered with my breast reconstruction.  Let’s say you get this round and I’ll get next?”
One thing I already crossed off my insurance to-do list before I even got tested for the breast cancer gene was making sure that my life insurance was up to date and for the amount that I wanted.  I was advised to do this because if I got a BRCA positive result, I may not have been able to be covered under a new policy.  I think because it’s viewed as a high risk pre-existing condition.  I’m not sure, but I believe once I have the prophylactic surgery, I will have reduced my risk so much that I will again be eligible for a new plan.  In the meantime, my old plan is set in place and it’s one less thing to worry about.

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