My Insurer is Dysfunctional

[Voltaire2]

5. When I was desperately ill 15 years ago, I realized what an absolute crap system

employer based insurance is. I happened to have had no problems with refusing treatments, but I should have been at home trying to get better instead of dragging my sorry chemo-brained ass to work every day. The choice was: work or die. WTF kind of system is that?

My son almost died from a drug-resistant staph infection. While in the ER, one of the doctors who treated him was 'out of network', and had he not been admitted to the ICU, he would have been stuck with that bill. The infection spread to one of his eyes, and they tried to send him to the eye specialist in the hospital he had been admitted to, but they were 'out of network' so the insurance wouldn't cover it. So instead he had to see an in network specialist 30 miles away. WTF.

I think the people who keep claiming they love them their employer based insurance have never actually been seriously ill. It is a shit show. You spend days on the phone arguing with some poor person who is paid to deny you coverage about everything you need to do. Bills show up and you have no clue why. Back on the phone, again.