Ohiocore

In the mail today, AnthemBlueCrossBlueShieldOfOhio has sent me....
A Guide to Your Benefits
"You've made a good decision in choosing HIPAA CMM Standard Individual."

Yeah, and a bad decision choosing Anthem. What a bunch of crooks. It's been 3 months you chumps! A month ago you raised my rates retroactive to the first day of my coverage, and NOW you finally get around to spelling out what that coverage is??

We all love coverage.

Deductible: Amount you will pay no matter what. Like having no insurance.
Co-Insurance: % you will pay no matter what, after you pay the full deductible. Like insuring yourself. "Maybe that why we call it 'Co-Insurance'."
Premium: Amount you will pay no matter what each month to the INSURER for this "coverage". Like a fuedal subject.

Then there are caps involved, a max threshhold on how much you have to co-insure before they cover 100%, and the maxes they will pay for given types of service and a lifetime "most this policy could ever get you". They get a lot more caps than you do. $3000 for Maternity Services? Can you even prenatal for $3000?

I must be in the wrong line of work.