Retired Educator here.
A week or so ago, I received my usual hefty packet of health insurance Explanation of Benefits forms from Bull Crap Bull Skeet of Tête-de-Hergé. The trouble was that only one of the enclosed EOBs related to me. The other five reflected insurance use by four different individuals whom I'd never had the pleasure of meeting. Now, however, I knew their full names (and for two, their spouse's moniker), Social Security Numbers, employers, employee ID numbers, doctors' names, and what medical facilities they use. Just by the type of coverage they opted for, and their met or unmet deductibles, co-insurances, out-of-pocket, in-network and out-of-network payments -- it's easy to form a financial picture of my four new buddies. A couple of them are strapped for cash.
Somehow, knowing exactly where they were, what they were doing, and what was being done to them, on a certain day -- well, I think an e-vil person could parlay that into Deceitful Gain. (The term came to me in a dreamscape wherein I walked unseen around the current President of the United States as he stood at a podium, in the proverbial jeans with rolled cuffs, blue shirt with rolled cuffs, cowboy boots, and herniated stance. He was speaking a fiction, talking about "bad guys," those reprobate E-vil Doers, when -- unbidden -- he found himself salivating over the notion of the E-vil Doers reaping Deceitful Gain. He tossed it out to the press like a verbal hand grenade.)
Choo? Choo? Train of thought? Ah, yes. Knowing such specificity, anyone could return to the scene of the ersatz "benefit," posing as:
Celeste S. T. or as her husband Dale A. T. -- I do hope Celeste is recovering from her surgery in early July. Maybe I should contact Dr. Stuff's office to get the date of her next appointment. Without breaking a sweat, I know that Dr. Stuff is an OB/GYN and even that his PA's name is Courtney. I checked him out at the Composite State Board of Medical Examiners, and wow, is he an impressive doctor, currently Department Chair at one of the local medical schools! Oh, a bit of trivia for you -- Dale, it turns out, is a graduate of G. J.'s Comedy Workshops, so he is bound to take all of this confusion with good humor.
or
Doretha A. D. or as her husband Clark O. D. -- he works for PoDunk Seal & Stamp, "a bonafide mover-and-shaker in the world of embossed aluminum products." Now, I don't know if we're talking about the same Clark O. D., although most of the personal information does line up for this, but it looks like this guy was one of the original Gospel Intrepids: "God blessed the group to record their first album "I Want To Be Adored" which became a hit and carried the group around the country with some of the great gospel artists of our time. The group was then signed to a recording contract with Spotless Sounds Records. They recorded six (6) albums during the seven (7) years they were with Spotless Sounds Records." But back to Doretha -- wow, would you look at this! Thank goodness case law is public domain, eh? It turns out that sometime back in the 80s (those were the days...) Doretha and Clark appealed to a Court of Appeals about a Big Bad Creditor's e-vil lien, and they were successful in having the lower court's opinion reversed! Yay, Doretha! Yay, Clark! Hmm, so now I know a great deal more about them, including the fact that their lawyer back in June of 1984 has since become an inveterate ambulance chaser and horrific TV commercial maker! And lessee, what else? Ah, just by doing a little lazy genealogy work, I have found Clark and Doretha's son, L. Heathcliff.
The Fredster just stuck his head down to see what had me tsk-tsking so much, and went pale. Seriously, he turned white as a sheet. Well, white as a *white* sheet. (I have an Analogy Disability.) "You can't do that," he said. "You had better not mess with Bull Crap Bull Skeet of Tete-de-Hergé, Retired Educator, I mean it! And you cannot publish other people's private information, either. You have crossed the line this time." Then he fairly ran away, knowing by my big smile that I am going to proceed anyway -- he didn't even get to hear my assurance that I have made as many changes to my "case presentation" as the sainted nurses and doctors do in their HIPAA-fied blogs. Shoot, probably *more*.
So I guess I will honor Fred and forego telling you about Willie E. J. -- nice guy, works for the state. The great news for Willie is that he only owes $15 on his X-ray bill at County Hospital...
The day these EOBs arrived, I weathered the idiot telephone computer to reach a Customer Service Representative. (See? I can be nice. I did not even mention the word oxymoron.)
Never have I been treated so well! Warm tones, terms of respect, adequate time to present my issue, immediate recognition of the problem, and an equally swift offer of a solution. Solution? Well, no, what was done was done. The questions I had related more to ascertaining whether my personal information, like those of these lovely people that I now knew intimately, was in the hands of someone who did not work for good, as I do, but for e-vil.
Customer Service Representative Number One told me that he had a real, live specialist lined up for me to talk to, and would I mind very much holding just a few seconds? "Not at all!" I crowed.
Hmmm. Customer Service Representative Number Two? Smarmy, very, very smarmy. We danced around a few issues. Like how Bull Crap Bull Skeet of Tête-de-Hergé knew who had received whose information, like how "they" had plugged all leaks, and -- my favorite -- like how they knew that my information had not been compromised. She issued reassurances that *no one* could fulfill and Retired Educator stopped pulling her punches.
"Retired Educator, we will send you a stamped, addressed envelope in which you can return those EOBs to us at no cost or disruption to you!" (Like I had just won the Lottery.)
"Customer Service Representative Number Two? I have a shredder. It's taken care of. So if you will just note that on your little computer? Actually, come to think of it... Might it not be more righteous, and righteous *is* what we're reaching for here, yes? -- Might it not be more righteous for me to contact these poor folks by phone, and then mail *them* their EOBs? They are the rightful owners, you might say! Whaddaya think? Oh, and about your reassurances that none of my EOBs were sent erroneously to some e-vil Deceitful Gainers -- that's what the gol' darn President of these United States of America calls them, you know? Deceitful Gainers. They're out there, Customer Service Representative Number Two, they are out there. Anyway, I need for you to tell me exactly how you know that my EOBs are not in the Evil-Doers, Deceitful Gainers little hot hands, 'kay? Come on, put my mind at ease, Customer Service Representative Number Two!"
"Retired Educator, can you hold?" she whispered. I was wearing her down.
When she returned, she launched a cock-and-bull story worthy of Bull Crap Bull Skeet, all about how they had crosschecked the triplecrosser doo-hicky with the appropriate top secret incantations and by golly, my name remains unsullied. That envelope that she'd mentioned was on its way, and if I would just return those errant papers...
"Right-O," I told her. "I'll get right on it. The shredder is warming up, as we speak. Oh -- do you mind if I blog about this?"
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I have indeed shredded the EOBs in question.
Yesterday, I received a notice from BCBS that my personal info had, in fact, been compromised, and so would I please accept a free year's subscription to Equifax Credit Watch (Gold level!).
"Well, that's okay. Yeah. Cool," thought I. I love getting free stuff, even if it is my own financial history. I logged on at Equifax, gave every bit of data requested, then entered my free year's subscription code... and was told that it was an invalid number.
Why am I not surprised?
