Healthcare Reform and the Maley house

I don't pretend to know how health care reform will affect the country. I doubt anyone knows. Our current system has been built over the last 6 decades and I'll bet there wasn't a soul back in 1950 that could have predicted what health care would look like today.

Anyway, I opened Saturday's mail and (like almost every day) I received another letter from our insurance company. I opened this one and it was about my daughter Annie's recent fall at a school playground where she broke her wrist.

The insurance company wanted to know where the fall happened. Someone else's property? A school (in this case, yes)? I filled out the form and let them know she fell on St Dominic's school playground. Then I started to wonder...are they going to call St Dominic's and ask their insurance company to pay for this? Why did they need to know this information? It couldn't get more routine...4 yr old climbs on playground equipment, falls and uses her arms to break her fall.

After I filled out that form there was another 2 page document filled with legalese about who was going to pay, reimbursement policies etc etc...really I didn't have the time to read it and understand it. It requires a lawyer to tell you what it all means. But they wanted me to sign it and send it back. Why?

If a 4 year old falls and breaks her wrist do insurance companies really chase each other down and fight to see who pays for it? Who pays for that fighting? My guess is we all pay for that fighting.

I didn't sign the second form because frankly I couldn't understand it. I filled out the first form (the one snitching on the local school) and hopefully that will get things paid.

Let's see how things go but I'll bet I haven't heard the last of Annie's broken wrist.