This is a guest post from my DH Micah. He was so eloquent when describing his thoughts on all this that I asked him to write a post about it.
It was last week. I was working on school stuff. Then suddenly I remembered my health insurance bill must be imminently due.
Leaping from my computer onto the nearest pile of mail, I found not only my own bill, but (shock!) Mrs. Micah’s.
We’re insured separately, you see, because I’m certifiably insane.
Not really. I just have a hereditary mental condition.
I’m just kidding. But not really. I do have to take prescription medication for depression. And depression runs in the family.
Anyway. If we applied as a couple, we thought I’d get rejected and that would slow down Mrs. Micah’s acceptance. So we decided to apply as individuals.
In the end we were both accepted. But only after Mrs. Micah was put through a veritable Spanish Inquisition.
I sailed through without the insurance company’s even batting a corporate eye.
Now, back to last week . . .
Checking the due dates, I decided it would be best if I did the check-writing this time. And ASAP. Mrs. Micah normally writes her own checks for her own bills, but she was out running errands.
I was about to make out both checks for the same amount, when I had a stroke of intelligence. I double-checked Mrs. Micah’s bill.
Turns out she has to pay a full eleven dollars more than me per month.
The insurance company knows more about Mrs. Micah than me. They interrogated her and waved me through.
And yet some computer or bureaucrat decided Mrs. Micah and I aren’t even equally risky? She’s $132/year more risky?
A couple days after the bill-paying incident, we went to visit a couple friends. When it comes to health-insurance risk, we and they are practically identical.
And from what they told us during our visit, we’re more the same than we ever thought.
Their insurance company put A (the safe, Mrs. Micah analogue) through the wringer and never broke a sweat about B (the risky, Mr. Micah analogue).
So, who designed this system?! If it happens to you, you think it must be a fluke. If it happens to you and your friends, it’s got to be a conspiracy.
But one of those conspiracies of stupidity. (What was it Greenspan just said about people who’ve failed to master even the basic art of acting in their own self-interest?)
I just find it saddly amusing that the tool with which we’re supposed to manage risk couldn’t pick risk out of a line-up with Bob “Safety” McGoodbet and Sam “Longshot” McNochance.
My response: Maybe it’s because both girls had a history of depression and weren’t currently being treated for it. While you boys both had an even worse history of depression and were….no, you’re right, you should be as risky. There’s always a risk of relapse for me, but I’ll probably never be worse than you. Neither will “A.”
I take comfort that we should be paying the opposite of each other, so we’re paying the same amount total.