stupid, stupid, stupid!!!!!
Of course my stupid insurance policy is A-S-S!!!!!!!!!!!!!!!!Ya see, I work for myself, so I just got myself some kind of basic emergency insurance for if I get hit by a truck or something, right? So it is a nice low monthly fee, not really anything about going to the doctor - it's really ALL about major emergency coverage. And I have to admit here, insurance is like a foreign language to me, with all it's stupid little rules and big huge books and pamphlets of words all running together to make sentences that don't make any sense to me (!)
Anyway, get THIS.
My deductable is $2500. (what was I thinking?) AND every visit to the doctor, no matter how much it is - they only apply $25 towards my deductable!?!? WHAT KIND OF SHIT IS THAT?!?!??!?!?! It gets worse, but I can't even go on about it.
Bottom line is I dont think I'll be having surgery... I'll just have to pay $40 for every single fucking visit to the physical therapist until it's all better. :*( For the first time in months I'm not liking my life very much. SUCKS. SUCKS. SUCKS!!!!!!!!
UPDATE: The $25/visit deal is ONLY for the Physical Therapist/Chiro visits... but once I get into the big stuff, MRI's and surgery, all I'll have to do is flop down the fatty $2500 and that should be it, except for copays after that. (ug, it never ends) But also, just to letcha all know - If they say I need surgery, I'll totally do it. There's no way I wouldn't do it cuz I dont want to have this knee be weak forever. I've got more boarding to do, dammit!!
