Wednesday, October 1, 2008

My Hair is on Fire!!

Today is October 1st, the day they roll out the insurance contract for 2009. There was ambiguous language in the '08 contract regarding prosthetics. I had several discussions about this with KHPA and was assured that it would be made "more clear" for '09. Still giddy from my phone call last night, but also realizing that the contract was written LONG before my phone call, I didn't expect a revision in my favor. Instead, what I found made it abundantly clear that the discrimination towards amputees continues:

"Coverage is limited to the basic (standard) appliance or device which will restore the body part or function. If you elect to purchase a prosthetic appliance or device with deluxe enhancements or features such as electronic components, microprocessors or other features designed to enhance performance, the Plan is only responsible for the amount that would have been allowed for a basic (standard) appliance. You will be responsible for paying the additional cost of the deluxe enhancements, electronic components, microprocessors, performance enhancements, comfort, convenience or luxury items."

You talking to ME?!

I feel really ripped off. I wanted the performance enhancing, comfort model with the convenience features, luxury socket, deluxe-enhanced toes and all I got after paying 25% of my after-tax, after-insurance-premium annual salary was this microprocessor. Dang.