Can somebody please define for me the term “underinsured” as it relates to health care? As far as I can see anybody who has a deduction from their weekly pay check for health insurance that their employer’s human resource manager has chosen as the right plan for every employee and their families but still cannot afford to go to the doctor to have something checked out. By something I mean a rash, a persistent cough or a sprained limb. Not for a sniffle during cold & flu season. These are things I would call a health concern. 10 years ago I paid less for my employer provided health plan. It was simple and I was comforted knowing that if I sprained my ankle I would not have to skip a care payment or take out a loan to pay for a doctor visit that because of some clever medical biller who knows the terminology to get the highest billable amount that the insurance will gladly remind me that I am responsible for a $2500 dollar deductable that must be satisfied before they can pay for 80% less the co-payment of $20.00 of a doctor bill that usually has a billing code and maybe some kind of vague description of the procedure. If you get your ears cleaned out because of wax build up and they want to call it surgery. I mean, who am I to say that isn’t what it was. They could have called it something like audio sensory extraction in both hemispheres of the cranium for all I know. Anyway health care is the most expensive joke there is. I don’t like doctors because when they tell me that I must do things such as do not use this for 2 weeks. All I can hear is you will get fired if you tried to stay home from work that long and besides that, this advice is going to cost a lot of money that 2 weeks of pay will just about cover. I’m pretty sure that the drug he just gave me a prescription for probably isn’t on my formulary list, it isn’t a generic and what a pain it will be to get a new prescription that will probably have some horrible side effect that non generic wouldn’t have. Thanks for letting me share some satire about my health care experience. I’m really not a fan of any of Obama’s policies about anything. Health care reform? Lets face it the money will be stolen misspent and will probably pay for a lot of administrators salaries who once worked for private insurance companies, who by the way have will win their case where they have alleged competing with the federal government will adversely affect their ability to make a profit. Lobbying Congress for tax payer money. Sort of like that fee I get in my electrical bill that has something to do with paying their competition. I’m still not clear what that really means and I’m sure that’s what it will be like when it is billed to us. I think it is called “A Competition Transition Fee”. LET’S SHAKE IT UP. At least we will have a chance to get the real story about the many ways that we are being screwed by the current system in place. Outrageous medical cost i.e. $20.00 dollar Tylenol when you stay overnight. Insurance premiums that are out of control with a government, I’m sure they will say the last Republican administration, letting them get away with it.

DEFINE FOR ME “UNDERINSURED?”  NOT  UNINSURED.

THANK YOU