Adulthood
You know you've reached full adutlhood when you start inquiring about life insurance policies.
Rob and I met with our State Farm agent last night (now don't get all excited, web-world. Putting a vendetta out on us isn't really worth it. We can't afford to be worth that much). We liked what we heard so we proceeded with the application papers despite having another life insurance meeting next week with the company my dad uses.
The application is crazy to fill out. He asks you all these questions and you begin balancing things in your heard, like, "Have you smoked in the last three years?" Er, well, no. I mean... what IS smoking really? Did I have a brand and light up in my home, no. Did I get completely hammered one night in a bar last summer and proceed to inhale like a full-time smoker, maybe.
Then they ask for your doctor's info and permission for him to realease his papers. Here's my favorite part. I tell him about my OB/GYN cause OBVIOUSLY, at 7 months pregnant, he's a bit of a full-time physician of mine. He has prescribed medications before; one of which, is lexapro. Now, my deciding to go on lexapro was a long, hard-fought decision that I now feel positive about deciding to do. My old job was hell (*stress*!) and we had just bought a house with all kinds of problems (leaking roof and flooding basement to name a few). I couldn't sleep at night and my heart raced all the time. The anxiety was unbearable. So, I went on the pro-pro plan and eventually began self-medicating when stressful times were ahead. Upon hearing about my pregnancy, I stopped. But the insurance company... will probably black mark me and up the premium I will pay as a result. Which, is crap, cause they don't really know the situation (or me) and just assume I'm a crazy person who is likely to end my life in suicide. Or, something like that.
The really fantastic part in all this is that the same doctor prescribed prozac when I was 3-4 months pregnant. I was really down for a few days and called to see if it was OK to take thr lexapro again. The nurse calls back with a prescription for prozac. Prozac? Are you seriously? Like Rob said, "That's like shooting a mouse with an elephant gun, you're not taking that." They called in the prescription and I never picked it up. In one day I was back on the upswing... it was probably just a mid-pregnancy "blues" point I had experienced. But now that shit is on my records. And the life insurance company will see it. and the nurse, won't correct it or remove it because he prescribed it depite my not taking it. Isn't that insane? I feel like an episode of Seinfeld.
I might pursue the pharmacy records to back up my claim (as if they do that sort of thing) but after that, I need to start letting things go. Just this week, I held a battle with the health insurance company for trying to over-charge me 50¢ over the last 2 billing cycles. It wasn't the money so much as the principle of the matter. If they charge everyone that much - that's an extra million dollars in their already greedy little pockets. And besides, I had photocopies of the last three checks they cashed and they were all for the correct amount - I never underpaid them by 50¢ and they were just hoping I wouldn't care and would let it go. But, I didn't!
*sigh*
Why is everything in this world a "situation"? Why can't I just pay things and move on? Why can't I just expect services to be done right without needing to follow-up on them (I also had to call on my accountant to inquire on where our missing tax refund was. Turns out - she never mailed it and had been 'meaning to call me these last 2 months'! Are you kidding me?). Does everyone experience this? If yes, do you all just roll with it and let it go or do you choose to take a stance on things like me? I feel like double-checking everyone is my part-time job that neither pays or is rewarding.
Anywho - enough of that rant ride. I'm an adult and with that, I need to go take a shower and listen to the weather report so I can plan my errands for today. *wink
Rob and I met with our State Farm agent last night (now don't get all excited, web-world. Putting a vendetta out on us isn't really worth it. We can't afford to be worth that much). We liked what we heard so we proceeded with the application papers despite having another life insurance meeting next week with the company my dad uses.
The application is crazy to fill out. He asks you all these questions and you begin balancing things in your heard, like, "Have you smoked in the last three years?" Er, well, no. I mean... what IS smoking really? Did I have a brand and light up in my home, no. Did I get completely hammered one night in a bar last summer and proceed to inhale like a full-time smoker, maybe.
Then they ask for your doctor's info and permission for him to realease his papers. Here's my favorite part. I tell him about my OB/GYN cause OBVIOUSLY, at 7 months pregnant, he's a bit of a full-time physician of mine. He has prescribed medications before; one of which, is lexapro. Now, my deciding to go on lexapro was a long, hard-fought decision that I now feel positive about deciding to do. My old job was hell (*stress*!) and we had just bought a house with all kinds of problems (leaking roof and flooding basement to name a few). I couldn't sleep at night and my heart raced all the time. The anxiety was unbearable. So, I went on the pro-pro plan and eventually began self-medicating when stressful times were ahead. Upon hearing about my pregnancy, I stopped. But the insurance company... will probably black mark me and up the premium I will pay as a result. Which, is crap, cause they don't really know the situation (or me) and just assume I'm a crazy person who is likely to end my life in suicide. Or, something like that.
The really fantastic part in all this is that the same doctor prescribed prozac when I was 3-4 months pregnant. I was really down for a few days and called to see if it was OK to take thr lexapro again. The nurse calls back with a prescription for prozac. Prozac? Are you seriously? Like Rob said, "That's like shooting a mouse with an elephant gun, you're not taking that." They called in the prescription and I never picked it up. In one day I was back on the upswing... it was probably just a mid-pregnancy "blues" point I had experienced. But now that shit is on my records. And the life insurance company will see it. and the nurse, won't correct it or remove it because he prescribed it depite my not taking it. Isn't that insane? I feel like an episode of Seinfeld.
I might pursue the pharmacy records to back up my claim (as if they do that sort of thing) but after that, I need to start letting things go. Just this week, I held a battle with the health insurance company for trying to over-charge me 50¢ over the last 2 billing cycles. It wasn't the money so much as the principle of the matter. If they charge everyone that much - that's an extra million dollars in their already greedy little pockets. And besides, I had photocopies of the last three checks they cashed and they were all for the correct amount - I never underpaid them by 50¢ and they were just hoping I wouldn't care and would let it go. But, I didn't!
*sigh*
Why is everything in this world a "situation"? Why can't I just pay things and move on? Why can't I just expect services to be done right without needing to follow-up on them (I also had to call on my accountant to inquire on where our missing tax refund was. Turns out - she never mailed it and had been 'meaning to call me these last 2 months'! Are you kidding me?). Does everyone experience this? If yes, do you all just roll with it and let it go or do you choose to take a stance on things like me? I feel like double-checking everyone is my part-time job that neither pays or is rewarding.
Anywho - enough of that rant ride. I'm an adult and with that, I need to go take a shower and listen to the weather report so I can plan my errands for today. *wink
posted by Brooke Ullman at 4:30 PM
2 Comments:
Gosh, how I wish i could have such simple real world problems....
I almost want to hear about your unreal world problems... makes it sound like you have some top-secret governmental operation happening.
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