Anal Insurance
At some point, about nine months ago, my glasses were attacked by a baby grizzly bear. I'm not sure where this grizzly bear came from, as I was in Brooklyn at the time it happened, but I do know that one night I put down my glasses for a night of sleep, and when I awoke the next morning, my glasses had deep, inch-long gashes in both lenses (It isn't inconceivable my glasses had been attacked by Abaddon, King of the Locusts, a demon I regularly do battle with during my frequent nightmares ..).
As you can imagine, when your lenses have scratches over the entire surface, it severely impairs your vision. Everyone appears like that dude in Edvard Munch's "The Scream" . A single light bulb becomes a pyschadelic glitter ball of disco proportions. I had to watch television with my head cocked at a 29-degree angle, to see through the single undamaged area of the lens (hold your "cocked" jokes to yourself, please). The only thing keeping me from buying new glasses? I was freelancing, and thus did not have vision insurance.
Well, that recently changed, and so last Saturday, I found myself at Cohen's Fashion Optical on Montague in Brooklyn Heights. I wasn't exactly sure what my insurance covered, but I had signed up for the deluxe version, so I knew I had the best. In the past, I've been seduced into purchasing the high-end Italian frames, things like Gucci and Prada (which, incidentally, break just as easy as the Roger Rabbit frames i had as a child). This time, I was dilligent, and picked out a pair of "Legre", which sounds Italian, but was half the price of the others. I think Legre is actually an Albanian swimwear manufacturer, but no matter.
With the frames in hand, I ordered the lenses. I got all the anti's: The anti-reflective, anti-scratch, anti-gravity, all of that. I proudly gave her my vision insurance info, and stood back with a smile.
She rung up the total: $423.80.
Upon my request for explanation, she produced a card detailing my insurance coverage. 20% off of frames over $120. Co-pays for all the anti's. No coverage for high-index lenses. No coverage included after a one time payment for contact lenses.
In other words, my vision insurance was totally useless. I would have virtually paid the same without it. And my dental insurance? Didn't help me when I needed to get two cavities filled two weeks ago. I owed $110 for that. It just about beats what I pay for dental insurance in the first place. After seeing Jill's $300 dollar bill for a minor trip to the hospital, I'm not planning on testing my medical insurance any time soon if I can help it.
So of course I was not suprised in the least when I read today that State Farm Insurance is refusing to pay any home insurance claims made immediately after Hurricane Katrina. Apparantly, State Farm is only required to honor their insurance policies when insured houses are destroyed from disasters involving wind, not wind and water. And Hurricane Katrina ruined houses using both wind AND water, so they have no obligations. Thankfully, the courts decided State Farm is totally full of shit.
I think the point is clear. Insurance companies are 100% liable for being full of total shit. They make decisions consulting their spreadsheets before their consciences. Maybe a world without insurance companies would be better, seeing as all they really do is take your money without actually being legally obligated to do what you were paying them for: help in a time of need.
The good news is I can now see clearly again. My insurance company didn't have much to do with it, but at least I can watch TV with a cock in my head, er, I mean, with my head cocked.