Responsibility

I just heard a commercial on the radio that makes me want to scream.....

Someone please tell me when we as a world, nation, city, family, individual are going to start taking responsibility for our own actions.

Since when is it perfectly acceptable and expected that I can sue anyone for any dumbass decisions that I make?

And I am sorry but ignorance is not an acceptable excuse.

In this age of immediate information and gratification, few, very very very few people can really lay claim to living under a rock.

Sorry, I forgot that all of you were not in my bedroom folding laundry listening to the rise up show on the radio to hear the same commercial I just did, so let me fill you in. I can not remember the commercial verbatim but the crux of it was if you do not have proper car insurance, it is not your fault. It absolutely must be the fault of your stupid car insurance agent for not giving you all the coverage you need! The commercial ended with saying that if you do not have bodily injury coverage and someone with no insurance hits you, call us, we will personally go after your insurance agent on the grounds of omission and not making sure you have all you need and have your best interest and your familys safety at heart!!

Are you freakin' kidding me? I have been driving for almost 20 years. I have had many different insurance companies, and yes, some I questioned whether they were legit. BUT.... through it all, I have always been given the options of what insureance I wanted to choose. If I didn't understand something, I asked. Yep, even when I was 19, a college student, more interested in partying than insureance. I STILL ASKED!

Seriously, this to me is as stupid as the whole spilled McDonalds coffee incident.....

PEOPLE NEED TO WAKE UP, STOP BLAMING THE REST OF THE WORLD FOR THEIR STUPIDNESS AND START TAKING RESPONSIBILITY FOR THEIR OWN ACTIONS.....

Ok, sorry if this offended anyone....I usually do not share my personal opinion on many issue's like this with all of you..... but I feel better now...maybe I should start a new blogging category...soapbox sunday...whatcha think? LOL!!!

Back to folding laundry now...

My who's on 1st moment

The following conversation takes place between me and United Healthcare.

It is true, it is accurate. I couldn't make this one up.

From this moment on I will refer to me, Tracy, funchaos.
Tracy will refer to Tracy, UHC representative.

Tracy: Thank you for calling United, this is Tracy, may I please have your name.
I: Tracy
Tracy: Yes it is.
I: No, my name is Tracy also.
Tracy: Hi Tracy Also, may I verify some personal information with you please, what is your subscriber ID #?
I: (chuckling) Yes, my member ID# is 55555555 and my name is Tracy Ko...
Tracy: I am sorry ma'am I do not have a member ID # 55555555 for a Tracy Also
I: I am sorry, there has been a misunderstanding, my name is Tracy K0%(!#
Tracy: Ok, yes that is the name on the account. (This is where we accurately verify more personal info) How can I help you today?
I: I am calling about a bill and an explanation of benefits that I received for my daughter Katie and my son Jason. (We verify the date of service and provider)
Tracy: What seems to be the problem?
I: I am curious as to why I am getting billed for this service and what the code on the bottom of the EOB means?
Tracy: The code EJB means that we need proof of pre-existing conditions and that is why we have not paid the bill and you are receiving it.
I: Ok, but this was for a stomach virus, not something that would be a pre-existing condition.
Tracy: I understand.
I: ok, what do you need from me?
Tracy: What we need from you is a letter certifying you had prior insurance coverage
I: What does a letter about having prior coverage have to do with having a pre-existing condition?
Tracy: Is this a pre-existing condition?
I: No ma'am is was a stomach virus, you just said I needed a letter certifying prior coverage because you won't pay the bill until you have proof of a pre-existing condition.
Tracy: I am sorry ma'am. Code EJB means we need proof of pre-existing coverage.
I: Ok, prior coverage from when?
Tracy: Your policy with us started on 2/1/2008. We need proof that you had insurance prior to this?
I: The claim in question is from after that date, it is from December 8, 2008
Tracy: Yes, however, we need to make sure you had continuous coverage prior to this before we can pay the bill.
I: You need to make sure I had coverage before February to pay a bill for lab work from December?
Tracy: Yes
I: I have had insurance with you guys since Sept. of 2005
Tracy: My records indicate your insurance began 2/1/2008
I: Okay.
SILENCE (I=slightly wore out and tired of this conversation)
I: What do I need to prove to you that I had insurance through you since 2005?
Tracy: Have you had a different employer from 2005 to 2/1/2008?
I: Yes my husband has, but we had united health insurance with both.
Tracy: Yes, but your group # is different with different employers..
I: Ok, can't you just look in your computer and see we had insurance with you under a different group?
Tracy: No, sorry.
I: Ok, what do I need to do in order to get this bill paid?
Tracy: You need to provide us with proof of insurance.
I: How do I do that?
Tracy: We should have sent you a certificate of prior coverage when you cancelled your previous insurance.
I: Ok, let me look (searching to no avail)
I: I can't find a letter. Is there anything else I can do?
Tracy: You can call customer service and request another letter be sent to you.
I: Aren't you customer service?
Tracy: Yes
I: Can't you then just look it up?
Tracy: No ma'am, that is not my department.
I: Can you just call the other dept. and get a copy of the letter from them?
Tracy: No, only you can do that.
I: So let me get this straight, you need a letter from yourself proving that I have had insurance with you from before February 2008 for a claim from December 2008?
Tracy: Yes.
I: Furthermore, if I do not have this letter than I can call you and get a copy of this letter.
Tracy: Yes
I: But you can not look up this letter yourself
Tracy: Sorry, we need to have a printed copy of this certification.
I: What happens when you get this letter
Tracy: We will list the information under this group number
I: Can you just look up the information on another computer and put it under this group #
Tracy: No, sorry
I: But, your dept. can look up this information?
Tracy: Yes, but we need a printed copy.
I: Do your computers have printers?
Tracy: I'm sorry?
I: Sorry, it just seems if your dept can give me the information that I need and you have access to printers, then why can't you just pull the information off your computer, print it and then re-enter the information into this group number?
Tracy: I am sorry, I am not authorized to do that.
I: Ok, just to clarify, I need to send you a letter, that I can get from you if I do not have it, to show you that I had insurance with you so you can input that letter back into your computer.
Tracy: That is correct
I: But you can not just copy that information from one screen to the next.
Tracy: I am not authorized to do that and I need.....
I: a printed copy, I know. I will find my copy. Thank you. Can I fax it to you.
Tracy: No, sorry, we need a hard printed copy.
I: What is the address I can mail it to?
Tracy: You can mail it to the address found on the back of your insurance card or on the bottom of your letter.
I: Great, thanks.
Tracy: If there is anything else I can help you with, please let me know.
I: No, thanks you have done enough already.



AND WE WONDER WHAT IS WRONG WITH THIS COUNTRY? All of this to get the insurance company to pay a $680 bill for lap work for a stool sample of all things. Excuse the language, but all of this crap for them to test a bunch of crap!

U.G.H!!!!!!!!!!!!!