{"id":3585,"date":"2012-06-19T08:40:59","date_gmt":"2012-06-19T15:40:59","guid":{"rendered":"http:\/\/www.heatherbarton.com\/?p=3585"},"modified":"2012-06-19T08:40:59","modified_gmt":"2012-06-19T15:40:59","slug":"kaiser-insurance","status":"publish","type":"post","link":"http:\/\/www.heatherbarton.com\/?p=3585","title":{"rendered":"Kaiser Insurance"},"content":{"rendered":"

\"\"<\/a>So after the divorce I find I have to find new insurance.\u00a0 Including health insurance.<\/p>\n

For many months I debated about whether I needed or could afford the monthly expense of health insurance.\u00a0 Because lets face it, insurance is a gamble.\u00a0 Yup!\u00a0 As much as a trip to Vegas!\u00a0 The insurance company is gambling that YOU will NOT crash your car and they’ll get to keep all the money you’ve given them over the years and YOU are gambling that you WILL crash your car and make the money which you poured into the insurance company worth it.\u00a0 With health care you are gambling you’ll get hugely sick and they are gambling you won’t.<\/p>\n

Judging from the high cost of my monthly premium, the insurance company is expecting me to get very sick, very soon!\u00a0 But I really like the way Kaiser is set up.\u00a0 Its incredibly efficient.\u00a0 Which got me thinking…\u00a0 WHY are the premiums are so high? \u00a0 I can\u00a0 understand the independent doctor trying to cover costs & med school loans & malpractice insurance & office staff to process the confusing medical billing.\u00a0\u00a0 But Kaiser is kinda an all-in-one place of Insurance\/Doctor\/Hospital.\u00a0 So I would assume you need LESS staff to do all the managing.\u00a0 It certainly seemed to be run better than an independent doctor’s office or a hospital.<\/p>\n

Then 6 months into it I get a letter saying I’m up for my annual review & my rate will be going up 10%.\u00a0 WHAT!!!!\u00a0 I’m barely affording it as it is!<\/p>\n

Turns out they review my policy annually and “based on your demographic (i.e. age group) costs” it has been assessed 10% increase is necessary.\u00a0 I ask him, “Is this a regular thing?”\u00a0 And he goes on and on about demographic blah, blah.\u00a0 “No,” I interrupt him, “Is this an ANNUAL thing?\u00a0 Is this going to happen every year?”\u00a0\u00a0 “Oh.\u00a0\u00a0 Well, yes,” is all he can say.<\/p>\n

Shit, what’s going to happen when I turn 50 next year!!\u00a0\u00a0 Come on Obamacare!!!\u00a0 I think even a band aid will help this broken system!<\/p>\n","protected":false},"excerpt":{"rendered":"

So after the divorce I find I have to find new insurance.\u00a0 Including health insurance. For many months I debated about whether I needed or could afford the monthly expense of health insurance.\u00a0 Because lets face it, insurance is a … Continue reading →<\/span><\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-3585","post","type-post","status-publish","format-standard","hentry","category-twirling-my-skirt"],"_links":{"self":[{"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=\/wp\/v2\/posts\/3585","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3585"}],"version-history":[{"count":11,"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=\/wp\/v2\/posts\/3585\/revisions"}],"predecessor-version":[{"id":3721,"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=\/wp\/v2\/posts\/3585\/revisions\/3721"}],"wp:attachment":[{"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3585"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3585"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/www.heatherbarton.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3585"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}