From: “Mr Moses” <firstname.lastname@example.org Greetings From Mr.Moses, Dear partner, I know that this message may come to you as a surprise since we have never met before. However, I decided to reach you through email due to urgency and confidentiality which my proposal demands. I am Mr. Moses , A Banker, and Head of Operations … Continue reading
From: “email@example.com” <firstname.lastname@example.org I need your help in this Lucrative business,40/60 percent of the whole sum. If interested, please mail me. ___ 2 From: mr.fred Obi” <email@example.com Dear Friend, I did not forgot your past efforts and attempts to assist me, now I’m happy to inform you that I have succeeded in … Continue reading
From: Mrs Sara Carney Fundation” <firstname.lastname@example.org Hi,I am Sara, I’ve been diagnosed with cancer and it has eaten deep into my system, I have undergone laryngectomy,now I’m dying.I have decided to donate the sum of $18.7 million to you for the good work of the lord.I am also donating my body after i am gone … Continue reading
From: Adams Helena Nnenna” <email@example.com Dear Sir/Mrs, Compliment of the day to you, After several much thinking and meditation, I decided to contact you directly. Though I got your contact through my research for a reliable person to assist me in this transaction . I want to clearly notify you that you are not oblige … Continue reading
From: Mrs Melissa Ann” <firstname.lastname@example.org Dear Friend, I am Mrs. Melissa Ann an aging widow suffering from long time illness,(Cancer).I have some funds I inherited from my late husband, the sum of (US$50,000.000)FIFTY Million Dollars, and I needed a very honest and God fearing person that will use the fund for God’s work … Continue reading
From: UAE Central” <email@example.com ACH Payment Canceled The ACH transaction (ID:690794), recently initiated from your checking account (by you or any other person), was canceled by the other financial institution. Rejected transaction Transaction ID: 8574210438982 Reason for rejection: See details in the attachment Transaction Report: document.zip (self-extracting archive, Adobe PDF) 13450 Sunrise Valley Drive, Suite … Continue reading
I am so very tired of being ripped off.
In September of last year, our drug benefits (through my husband’s workplace) were switched to a company called MedImpact. We received a letter, telling us about the change. It said we would soon be receiving new identification cards.
January came, and we still didn’t receive the cards. So I wrote to them explaining the situation.
In April, I had to pay a pharmacy $49 for Alendronate, because we still didn’t have our identification cards. I called MedImpact to say once again that we needed the cards, and to request a drug reimbursement form for the Alendronate. It took 45 minutes to navigate MedImpact’s menus and finally reach someone. Part of the problem – speaking to someone requires an identification number – which only appears on the front of the ID card.
A week later the claim form arrives, but I can’t fill it out because I still don’t have the card and the crucial identification number. The cards arrives a couple of weeks later.
Anyway… I file the claim form and wait. Then I receive a statement saying the claim has been denied.
So I call again. “I don’t know why you received that,” said the customer representative (ironic term). “It says here your claim was approved. You’ll be receiving a check in about a month.”
So several months later, I’m calling again. I’m told that the patient is never reimbursed if they pay more to the pharmacy than MedImpact does. In most cases, the $10 copay is greater than the amount that would be returned to the pharmacy. In my case, I paid five times that – so I’ll receive no reimbursement.
So not only am I out $40 (and tons of time), but I now know that the vast majority of drugs should cost less than $10 for a one-month supply. In the case of Alendronate, the pharmacy is paid $7 for the $49 drug. So why am I not feeling better?
However, I was reassured that a few drugs cost hundreds of dollars. In those cases, the copay’s a great deal. (But most of the time we’re being ripped off? Still not feeling it.)
Meanwhile… My husband was trying to change the oil himself, and somehow managed to crunch the oil filter. He couldn’t get it off so we took it (against my protests) to the local Ford dealer. They said they could get it off, and would charge us $9.95 for the oil change. Hurray.
But then they told hubby that the tires were askew and that it would cost $95 in labor per tire to fix the problem. I wasn’t happy, especially when they called to say they’d be keeping the car overnight.
“They’re going to walk you up,” I said, “This $200 job will probably be $500.”
Hubby didn’t think so.
But first thing this morning Ford calls. The car is ready, but it took more time to fix than anticipated. The cost is now $360 – an 89% increase in the estimated cost.
I have no love for the place. Ever since they charged us roughly $285 for two keys and to replace a light bulb last year. And to add insult to injury, it took them all day while I sat in the waiting room.
I’m honestly not sure if our system is free enterprise or open theft. But I do know that it’s annoying to clip coupons to save perhaps $300/year, when these large companies will steal that same amount away in a matter of weeks. So I’m penny-pinching so I have more to hand the robber?
And then I read about Super-PACS, basically corporately funded, Supreme-Court sanctioned, campaigns for those seeking public office. Some are owned by billionaires. So I get to vote to select which company will represent us? Too Orwellian.