Below is the bulk of a text of an e-mail that I sent to one of the leaders at my job. The purpose was to explain all of the problems that I’m having with the insurance – frankly, some of this stuff is insane…

Prescriptions: The most aggravating issue that I have is the prescription coverage. My doctor prescribed a certain drug for a condition that I have, but he gave me free samples to use first. Once the free samples were completed, I tried to get the prescription filled and the pharmacy told me that the insurance company didn’t cover the medicine (first they said I wasn’t in their system – a recurring theme as you’ll see). Instead, I have to take two generics – the free samples that my doctor gave me were working very well, too. I don’t mind taking the generics, but now I’m inconvenienced with taking two pills instead of one.

Additionally, I tried to fill the generic prescriptions and one was approved with no problem while the insurance company wouldn’t immediately approve the second one. They wanted additional information from my doctor, which the pharmacy requested. The Pharmacist said that the process should take no longer than 2 – 3 business days, so given the upcoming holiday, I might not be able to get my medication until after Labor Day. [Note: I wrote this e-mail on Wednesday, September 2nd]

Gym Reimbursement: The insurance company has a Healthy Lifestyles program that I am enrolled in. This program offers $150 for reimbursement of gym membership expenses if you go the gym 120 times in a given year. When I switched to my new gym in March I asked if it was covered in the program and they said yes. On a following call with the insurance company, they told me that the visits to this gym would only count if they were made in between certain times of the day (basically when we’re at work). That effectively kills my ability to claim this reimbursement and it makes their program useless.

Request for Information: In one of these calls to the insurance company, I asked them for a package of information that detailed all of my benefits because I, unfortunately, lost the package that the secretary gave me when I was hired (I lost it in the move to Tinton Falls). They sent me a package for those members who are 65+ years old living in Somerset County. I called them back and told them that they must have the wrong guy and that I was 28 and living in Monmouth County while being employed in Mercer County. They apologized and sent out a new package…the same package as the first time. So I threw out both packages since I’m not a senior citizen living in Somerset County and gave up trying to ask them for a listing of my benefits.

Delta Dental: When I went to the dentist two weeks ago, I had to wait an hour before I could be seen by the doctor because the assistant was told by Delta Dental that I wasn’t in the system. Apparently, she called a few days prior to my visit and I wasn’t in the system then, either. I gave her our office contact information, but I was in the dentist’s office at 8am for an 8:15am appointment so there wasn’t anyone in our office who could help that early on a Friday morning. After waiting on hold and going back and forth with the insurance company, I was magically found in Delta Dental’s system and able to see the dentist at 9am.

Optometrist: The insurance company subcontracts their vision coverage to a vision company. I went to the eye doctor about four weeks ago and it took them over an hour to figure out how to bill me AFTER I had seen the doctor. They were on the phone with the insurance company who took no ownership over their contract with the vision company and said that I wasn’t even in their system (they eventually found me). So the eye doctor’s office called the vision company, who said to contact the insurance company. This went back and forth until someone finally got on the phone and figured out what to do and how to bill me.

Pearle Vision: When I was getting my glasses at Pearle Vision, the person helping me pulled up our company’s specific plan with the vision company and it cited that we had a really great plan that covered some parts of the equipment (great discount on lenses). Then when he called the insurance company to get some confirmation number, they wouldn’t speak to him and put him through to the vision company, who bounced him back to the insurance company, who ultimately said that we had no equipment coverage. The folks at Pearle Vision were baffled since their information (which had been updated about two weeks earlier) clearly showed all of the equipment coverage that we should be getting on our plan.

This is where my e-mail ends. However, there is an addition to this mess…

Nutritionist: It turns out that my nutritionist visit (which is essentially preventive care – the stuff that everyone in America should be engaged in) is not covered either. You see, my nutritionist is not registered as a medical care provider and thus can only enter a certain billing code to the insurance company. Well, my plan doesn’t accept that billing code – they only accept nutritionists that bill as medical offices. So I have to pay for this visit out of my pocket.

Here’s my question – if I’m paying for health insurance and I have all of these needs that aren’t being met by the insurance company…why am I paying for health insurance again?

Ha ha! I love it! Talk about having some impact on the internet!

As for the topic itself, no Howard Stern is not on vacation this week. Granted, I can understand why some fans feel the need to have the internet confirm this for them – I mean the man and his crew seem to take off every other week. Show producer Gary Dell’Abate claims that the crew gets 10 weeks of vacation every year. I don’t know about that – it certainly seems like they take off a great deal more time than that each year, especially when you consider that they get off every Friday and holidays in addition to those 10 weeks.

I think that it’s for reasons like this that Sirius XM subscribers and Howard Stern fans get frustrated when Stern talks about how he’s exhausted and he wants to hang it up when his contract is up. Sure, as a stockholder I want to see Howard stick around because I think it helps the brand. However, as a fan of the show I don’t want to hear about how this guy is tired and exhausted all of the time. He is on air at most for 20 hours each week (not including commercial and not-live-content breaks). Some folks out there do that much work in 2 days. Stern and the on-air talent do it in 4. That’s not a bad gig.

Anyway, the point of the post is that while Howard and his team go on vacation way too much as it is, they are not on vacation this week. Labor Day seems to have fooled some people.

My plan for this staycation is to relax and accomplish some of the nagging errands and items that are on my “to do” list. For example, today I’ll go to the university where I’m an Adjunct Professor and sign-up for the free membership to the brand new gymnasium (built in the last few months). Sure, I already have a membership at my local gym, but it would be nice to have the option to workout on campus after I teach my class twice a week. Also, I’ll take care of the rent payments and some minor banking that I need to do during the course of today.

I also have some prescriptions to drop off at Wegmans and some phone calls to make for the Sigma Pi Educational Foundation (of which I am a member of the Board of Trustees). Then I plan on doing some work for Usable Web Solutions, LLC (which includes preparing future entries for this blog) as well as getting over to the gym to do some working out and reading on the treadmill before dinner. At some point I want to clean out my DVR today, too. Oh, and I brought just a little bit of work home with me from the office – to fill any gaps that I might have during the day.

I said this would be a relaxing vacation, right?

So whatever it is that you decide to do tonight, have fun and be safe. Happy New Year’s everyone!

Bear in mind they also took off the first two weeks of July. Ummm…that’s four full weeks off in the summer months. I know that Howard’s brainwashed fans will say that he’s earned the break, but there are many millions more of us who are just fans of the show and feel like they’ve been sold a bill of goods with the Howard Stern gang. We were told about commercial-free radio before he made the jump – we now get frequent 15-minute, non-live content breaks in the middle of his shows.

We were told that the show would be in the studio on the occasional Friday to surprise the audience. Bullshit on that! He spent a few Fridays in the studio when he started Sirius – more than two and a half years ago now.

Then we were told about all of the great content that we’d get after Sirius XM and Stern bought back his tapes from CBS Radio/Viacom. What do they give us? A completely randomized selection of shows from all over Howard’s history with no rhyme or reason as to why they were playing certain shows. This crappy “Master Tape Theater” was so poorly received that the Stern folks were forced to move it into some weird Sunday afternoon time slot when no one is listening anyway.

Before he made the jump, Stern sold us on something like 33 cents per day or 45 cents per day to hear him on Sirius. Okay – then let me pay just the 45 cents on each day that he’s in the building. In August, I would have paid $3.60 to hear Howard and his crew.

I can’t tell you how happy I am that the merger went through. I really do like satellite radio and I really do enjoy listening to the Howard Stern Show. But paying the $14 that I pay each month (tax included) is not worth what I’m getting in terms of service. I hear that with the merger there will be an option to get 50 channels of your choice and pay $6.99 per month. Let’s get that figured out and in motion already!