Insurance Companies & The Ninth Circle of Hell

11 Jul

by Roger White

A dubious milestone of this haphazard voyage we call aging is the unique privilege of having one’s most private of bodily parts probed, scoped and examined with cold, silvery steel instruments and high-tech cameras that lay bare one’s innermost of innards for the whole world to see. This, and a whole host of other expensive and excruciating invasions, is surely the primary reason old folks have that constant sourpuss get-the-hell-off-my-lawn look about them.

 getoffmylawn

If the seasons of one’s years can be parceled into 20-year increments, then I figure I’m now in the late autumn of my earthly existence, and I’ve recently been invaded in ways I never quite imagined. If you still have the green leaves of youth on your person and haven’t undergone such a procedure, picture one of the “Saw” movies, except with anesthesia and hospital food. And I even pay for the privilege—quite a lot, as a matter of fact. Which brings me to the point: Insurance companies are the instruments of Satan. It is true; strip away the fur of the MetLife Snoopy character or the feathers of the Aflac duck, and you’ll find the gnarled skin, boils and jagged horns of Beelzebub himself.

Oh, insurance people make all the requisite noises of friendly service and compassionate care, as long as you’re shelling out those monthly premiums on time. But try to call on your amiable insurance guy for actual coverage and you’ll witness the meek Smeagol flash to the snarling Gollum faster than you can say what’s my co-pay. Ya see, when I was first invaded a few years ago (see First Battle of Colon), I got the standard percentage of coverage—minus the hefty co-pay, of OLYMPUS DIGITAL CAMERAcourse. In that First Battle of Colon, the general—I mean doctor—captured a few rebel polyps. I hate and fear that word: polyp. When you hear the word “polyp” in a sentence in reference to your body, you can be sure it isn’t good. The very word sounds rubbery and unpleasant—malevolent, even.

“Did ya hear about Rodge?”

“No, what?”

“Polyps.”

“Oh, my God.”

Anyway, these rebel polyps looked suspicious, so they were executed—and I was ordered to succumb to a second invasion in a few years (see Siege of Polyponesia) to determine if there was another uprising. So just recently, in preparation for the second great invasion, I received a call from the general’s—er, I mean doctor’s—office. The pleasant woman on the line asked how I would be paying for the procedure, and I said the same way I did for the first pleasant outing. She said sorry, but my insurance company pays for this type of invasion only every 10 years. Because of my—ugh, polyps—I have what is known in the insurance world as a preexisting condition. Sorry, Charlie. Yer on yer own. Well, she didn’t say it that way; she asked if I would consider a payment plan. As in paying the Ass Man a couple hundred dollars a month for the rest of my seasons.

Needless to say, I was flummoxed. Gobsmacked. Flabbergasted, even. Let me get this straight, I said to the pleasant woman. My insurance company will chip in its rightful portion for this god-awful event if I’m just doing it on a whim, but if it’s been determined that I really need it, then they won’t pay up. How convenient for them.

 insurance guy

Yes, she said. Welcome to the world of the preexisting condition. Gadzooks, people. Where will this lead? Will the Satan-worshipers insurance people eventually come to the greedy conclusion that everything is a preexisting condition?

Emergency room administrative person: “So how will you pay for surgery on your cracked skull?”

Guy with cracked skull: “I have insurance.”

ER person: “Sorry, we contacted them already. They determined that your clumsiness, which caused you to fall on your head, is a preexisting condition. Do you have any credit cards?”

I’m hunting down that damn duck. Anyone for Aflac à l’orange?

Roger White is a freelance writer living in Austin, Texas, with his lovely wife, two precocious daughters, a very fat dachshund, and a self-absorbed cat. For further adventures, visit oldspouse.wordpress.com.

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3 Responses to “Insurance Companies & The Ninth Circle of Hell”

  1. Margie July 19, 2013 at 9:00 am #

    The average insurance document is now about as long as a medium length novel, and is filled with far more items that they don’t cover than they do cover!

    • oldspouse July 19, 2013 at 9:10 am #

      I’m with ya, Margie. You could use an insurance document as a nice, warm blanket on a cold night. Bastards all.

      • Margie July 19, 2013 at 9:37 am #

        Our community was wiped out in the floods here in Alberta. So far all insurance claims have been denied. I picture them (and the various levels of Government and the petty thieves) more as Vultures!

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