Talk about wasting money. Over decades, my employer and I paid well over $300,000 in premiums for my Empire Blue Cross, Blue Shield (BCBS) employee health insurance plan. I hardly ever went to the doctor for 30 of those years. Now that I have chronic health conditions, I am paying $14,000 to $17,000 per year in out-of-pocket expenses for treatments my insurance won’t cover because they claim that chronic conditions are not something they will pay for. What is the reason for having health insurance, if you can’t turn to insurance companies for help when you need it? It may be legal; but, it’s unethical.

Read the full letter at the Poughkeepsie Journal here.