First two disclaimers: First this refers to an insurance carrier policy not under Obama care but under Medicare, and second it is a personal
experience with only one major company. Maybe there are good companies out there ???
Acting as an agent for a senior citizen over 90 years old I ran into this:
And then there is the issue of the Health Insurance companies - whose 'errors' can cause you so much pain and suffering that you may wish they had
killed you while in the hospital [hyperbole]. The grief they can cause with errors is sickening - A perfect circle you go the hospital [medical
clinic, whatever provider], and they make you well [if they don't make any mistakes[ [See: Medical Errors: STILL the Third Leading Cause of Death here
And then the insurance company screws-up [possibly deliberately] and they claim you owe a small fortune for whatever reason they can think up to
deny the payment to the provider - They make you well only to make you sick again.
See why Health Care in the USA is the most expensive in the world and is rated near the bottom of quality of care among industrialized nations ?
Now back to the main story:
I use the word 'error' loosely as I have a solid suspicion tha they deliberately make these 'errors' to avoid the responsibility for what you signed
up for - In a nutshell they are unethical, if not crooked.
Some of you might have had good experiences with your company - but if you are signing up now for health insurance be sure to Google a check on
'complaints against 'xyz' insurance and see what pops-up. You may want to think twice about signing up with an insurance carrier that may have
hundreds if not thousands of complaints against it.
When they make a 'mistake' like saying a certain hospital is 'out of network', and you have their own book of providers saying it was 'in network' and
they then refuse to update their patient responsibility column, and in fact claim you are responsible, when clearly you are not, and claim you owe
a small fortune - You know you are swimming in a cesspool of rats - and whatever you saved by using that insurance company that had a policy that
seemed too good to true - was in fact just that - too good to be true - If nothing else you will lose all you may have saved in lawyer fees.
In my case I would like to file a criminal complaint agaist them for fraud - failure to pay for and on a contracted service - But I will have to ask a
lawyer how to do it - And if they do it they will want money.
I know in one sense Obama was right - healty care in America is unsustainable - But did he really fix it - Or is it worse now than ever ?
“There is no illness that is not exacerbated by stress.”
― Allan Lokos, Patience: The Art of Peaceful Living
“America's health care system is neither healthy, caring, nor a system.”
― Walter Cronkite
“As to diseases, make a habit of two things — to help, or at least, to do no harm.” ― Hippocrates
edit on 21-5-2016 by AlienView
because: (no reason given)