Documentaries

I don't know why but I'm a big fan of documentaries. I am beyond ignorant when it comes to anything related to politics, history, geography or economics, but for whatever reason I am all about documentaries about politics or economics (not so much history or geography...).

A few months ago I raved about Sicko and have since been up in arms about the health insurance system. It's the kind of thing I can't really think about too much because it just makes me so mad it ends up depressing me because it's such a lost cause--I don't even waste time trying to dispute the fact that my health insurance inexplicably denied payment for the exact same routine doctor visit that they have faithfully covered the other three times I've gone. After seeing that movie it just seems futile to waste time trying to plead my case--all to get them to count the full $120 out-of-pocket towards my $500 out-of-pocket per year limit. Even though it costs $120 out of my pocket, somehow they only will count $53 as my out-of-pocket expense. So I'm paying $100 a month to have the luxury of being able to go to "out of network" doctors--a privilege almost non-existent in these days of managed healthcare--yet before they will cover any of these out of network doctor visits I have to shell out an additional $500 per calendar year. Except now it turns out that the $500 limit isn't what actually comes out of my pocket; it's what they THINK should be coming out of my pocket. So even though I'm out $120, they only count it as $53. So basically, the $500 out of pocket limit becomes $1,200 a year for the insurance premium, then $500 THEN another who knows how much--at least double that--in out of pocket expenses that they consider to be outrageous or whatever.

So, as it's turning out, I can go on the much cheaper (half the cost per month) HMO insurance which covers the same as my current plan except no out of network benefits, and just pay the visits myself as I'm already doing, and I'd come out $50 richer every month. Anyway, I digress....I hadn't really thought of it that way until just now.

ANYWAY...back to today's documentary: Maxed Out. It's about the whole credit card debt crisis in this country. For some inexplicable reason I am fixated on the whole subject of debt and American excess. Don't ask me why because, as I said, I know nothing about economics or business; the main thing I know about money is how to spend (hence, I guess, the quest to keep my finances in line with horror stories of others' financial ruin). At any rate (no pun intended!), any news item, book or movie about anything having to do with crazy debt intrigues me.

Since I went off on that health insurance tangent I have now lost my train of thought about Maxed Out, but maybe that fact says it all about this movie: it wasn't that memorable. It was ok and I'm a big fan of Elizabeth Warren, a Harvard law professor who writes about financial issues. Actually, I am only a fan in principal, seeing as I have yet to actually read one of her books, although I have read excerpts from them in other favorite books like The Feminine Mistake by Leslie Bennetts. (like I said, I have for some reason become totally fixated on the subject of money, especially as it pertains to women and, in particular, women with children.)

ANYWAY, I clearly can't keep a straight train of thought here but I would say yes, you should see Maxed Out then read The Feminine Mistake and all of Elizabeth Warren's books, then we can discuss.