Insurance. It’s something we must have, to protect us, to give us comfort.
But, man, it is a pain in the ass when you need to file a claim. If you’ve ever dealt with insurance claims, you know what I’m talking about. I’ve always had cheap insurance, so I’ve never known the customer service of Allstate or State Farm (according to their commercials, at least.) Once I wrecked my car and my agent said I shouldn’t have wrecked it. Now that’s service! Even still, that insurance company was hardly the worst I’ve worked with.
Civilians have no idea what bad insurance is.
The military’s provider is called TriCare, and they make a living out of screwing soldiers and their families. I contracted Lyme disease while on duty and went to civilian doctors. Of course, at the time, I had no clue why I was vomiting, had Bells Palsy or felt like spikes were being driven through my head. At first, I used my civilian insurance, which denied payment after discovering that I was on duty at the time of the tick sinking its fangs into my flesh and giving me a nice spirochete. Long story short, I filed claims through TriCare and they denied everything, and everybody I talked to said I needed to talk to somebody else. After filling out 40 forms, they eventually began making payments on some of the bills. Three years later, TriCare has yet to pay in full my entire hospital bill. I’ve called and called, complained and complained, and there is still two months worth of rent outstanding in bills. I’ve done everything but sue the company. And all I really care about is my credit.
Well, that’s my story about TriCare. And sadly, it’s hardly the worst. Here’s another about a soldier soon to be deployed and his family.