When I was studying abroad in London, I had some fun experiences with socialized medicine (that later led to 4 weeks in a foot brace, but that's another story). I'm not a hypochondriac, I'm not plagued by terrible medical maladies (thank goodness), but I am pretty clumsy and pretty.. well, clumsy pretty well covers it.
I also haven't had a physical in 5 years (switching insurance companies 3 times in 3 years while away at college didn't help). I'm one of the lucky few (again, I'd like to send a big "thank you" to those of you who killed our economy) who have full-time employment and affordable health care. Unfortunately, this "affordable" health care comes from that lovely company known as Humana. I've encountered Humana before, when I worked as a researcher for the Project on Government Oversight. We researched Humana and found over $125 million in lawsuit losses. What a model company.
I'm furious right now because they're denying a claim from my recent tetanus shot with whooping cough booster. I haven't had a tetanus shot in over 10 years. Unfortunately, according to Humana, after I turned 18 I lost all rights to immunization. That's right - after you're legally an adult, you can no longer get all those wonderful diseases prevented by vaccination. What a time saver!
My coworkers have also had wonderful experiences with Humana, ranging from sudden revelations that in-network doctors are now out-of-network to a policy that makes deductibles for surgeries astronomical.
Well, Humana, you messed with the wrong Jersey Girl. Thanks to your policy (page 17, section 2, paragraph 4), I, along with my coworkers, will be pressuring my employer to change providers. They may not be much better, but I'll take the risk because they're probably better than you.