Insurance that Premiums are the Fee Charged for Preventing You from Getting Healthcare

(I just sent the following letter to my Primary Care Physician.)

I am very upset.

I just got off the phone with Humana. Here is what they told me:

They are supposed to be sending you a drug-specific form for the Ergocalciferol.

They are REFUSING to provide me with the Medicare-mandated 30-day supply of the drug.

I cannot at this time afford to buy the drug myself, as I do not have any money. (A 30-day supply costs $1 less than a 90-day supply based on the reply to Target from Humana.)

They are denying the drug based on a very broad reading of the Medicare rule on the drug that says (paraphrasing) that the drug is not covered for SOME CONDITIONS, which are not specified.

It appears to me that these insurance companies are denying coverage arbitrarily, in the belief that no one at the government / Medicare, etc. will stop them -- regardless of what the law says. They believe they can get away with it. And if they kill all the poor people in America in the process, they will be dancing and singing even louder.

They are simply doing this to avoid paying. To save a few bucks. They don't care if I die or go blind. (I am having growing problems with blurry vision.)

It is the same problem that I had to fight to get my cervical spine surgery last year through Rocky Mountain Health Plan. As you will recall, I had to appeal in front of an Administrative Law Judge to get that decision changed. And it took most of a year to do it.

I think they figure they can get away with it this time because it is a small dollar amount. But that, in fact, is what makes it even more horrifying. The only people who are hurt by such decisions are those who are already in desperate financial straits, as well as in need of immediate care.

The people at Humana (and the other insurance companies that engage in such heinous practices) are from the Devil. The evil that they do is the worst kind. They want to hurt and kill those who are unable to protect themselves.

They want to pretend that the Vitamin D deficiency is something that can be addressed or not on a basis of personal preference. They are deliberately and overtly ignoring the literature on the effects of certain vitamin deficiencies on overall well-being, specific health problems, and life expectancy.

They want to pretend that the people who can't afford to choose what they want to call the "preferential option" due to poverty, simply do not deserve to have the treatment. They want to reserve it only for those who can pay.

I don't know if you will take this seriously enough to help make sure that they will cover the drug for me, as even without prescription medicines, I am already unable to cover my basic expenses on the income I have, which is entirely from SSDI. (And my rent is very low by present-day standards.)

I need your help. I can't get my medicine without it.

(Originally posted on Facebook May 15, 2015)