It is with great regret that I am nearing a milestone. I don’t want it, but am pretty much required to take it. We all have to take it because we are slowly and inexorably forced into that proverbial corner. For decades, my family and I have had a really top-notch insurance plan. There were only rare hassles or disagreements over the years and by now, I am comfortable with their predictability. This quiet love affair is about to become a menage a trois. Medicare is rearing its ugly head.
My private insurance company raises my monthly fee annually and for no other reason than another birthday has rolled around. They are making it hard on the pocketbook knowing that Medicare is around the corner. I have to find out if my costs will decrease if I only use them as a supplement and ultimately what is best not only for me but also for my pocketbook. But daily, my reluctance to start this learning process turns procrastination into an art form.
Somewhere along the line, I have developed a strong aversion to Medicare. It might have been when I had to straighten out a huge mess with my father’s insurance company and Medicare after he was incapacitated by a malignant brain tumor. It took six months to get his insurance company and Medicare on board and get all the providers paid for services rendered.
After the first few weeks, I stopped speaking to any person who answered the phone. They couldn’t help me so immediately asked for a supervisor. After explaining the entire situation, said supervisor would provide me with numbers to reach them directly which was a huge boon. I never abused their offer since I was as dependent on them as they were on me. For six months, I dealt with both insurance companies, took care of my three small children and one big husband, kept up with my Dad’s medical situation, and somehow came through it all with my sanity intact.
Therefore, it is with great trepidation that I am now facing being forced into the Medicare system. They assume that I will welcome them with open arms eternally grateful for their almighty presence and assistance. They would be wrong. These people are with the government and have the ability to affect my life in a negative manner. I have already had to hire a lawyer to defend myself from a government agency that was “helping” me. I knew they were wrong; they didn’t agree and wouldn’t listen to me, but when the attorney became involved, everything was dropped.
A year or so later, another Social Security lady called saying that I was going to make a phenomenal amount of money for the year. I told her that I wished I were but being retired I didn’t see that happening. After appropriate goodbyes, she hung up. I know what happened. I had returned a form they sent me and somebody or some computer input that data putting an X in the wrong box.
There is no reason for me to jump with joy at the even more dysfunctional Medicare system entering my life. Adding insult to injury, the government will take money out of my income to pay for using a service I don’t even want. I have time to get a handle on all their rules and regulations that exist and they are legion. There has to be a better method. Perhaps, I will be pleasantly surprised. Wouldn’t that be wonderful?