crappy interest rates!

November 6, 2000

Hi Folks,

I went to my teachers' credit union today to see how eligible I was for a

loan if (more likely when) it is determined that I will be self-pay. I have

one of those lovely exclusion policies for weight loss therapies. So I find

out this evening that I qualify for $9,750.00 and at first I'm so excited!

And then I listen to the message again to find out that the interest rate is

only 14.3%. I can buy a car for 7%. I can buy a computer for 9%. I can save

my life for 14.3%. My stomach is killing me. Tomorrow I am going to re-send

my whole packet to the insurance company certified mail. They keep telling

me that there is no record of having ever received anything from my PCP's

office. Because my case is going through something called Utilization

Review, I am not allowed to fax or send anything directly. It must all come

from my PCP. There is also no one I am allowed to call to follow up. I was

on the phone with my insurance company all afternoon Friday to find all this

out. Additionally, they will only cover 50% of the CPAP that I just found

out that I need for the moderate obstructive sleep apnea that I have. And

they are also pissed because my physician didn't get pre-approval before

ordering the sleep study and at first they wanted to pin the cost on me.

Its all so backward. I feel like a little kid playing a grown-up game but

all the players are bratty little kids who don't understand how to make a

logical decision. And ironically, many children are much more empathetic and

understanding than adults with money on the brains. END RANT.

love to all,

26 year-old the special education teacher in MD

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